Masterquote Motorcycle insurance

Policy Summary

Statement
This is only a summary of the policy. The full terms and conditions of the cover can be found in the policy document. It is important that you read the policy document carefully when you receive it.

Type of insurance cover
Our Motorcycle Insurance Policy is available with three levels of cover:
Third Party Only: your legal liability for death or injury of third parties and damage to their property;
Third Party Fire and Theft: Third Party only plus damage to your motorcycle from fire and theft;
Comprehensive: Third Party Fire and Theft plus accidental damage and vandalism to your motorcycle and accessories on the motorcycle.

Motorcycle Policy significant features, benefits and exclusions

Cover	Comprehensive	Third Party, Fire and Theft	Third Party Only	Exclusions and limitations	Policy Section
Legal liability for death or injury to any other person(s)					Section 2
Legal liability for damage to other people’s property				Maximum pay out will be £20,000,000 per event. Iincluding a limit of £5,000,000 for expenses.	Section 2
Own damage, Fire and theft			-	Loss or damage arising from theft while the ignition keys of your motorcycle have been left in or on your motorcycle.	Section 1
Accessories and Spare Parts		-	-	Up to £100 for any one claim	Section 1
Continential Use				Up to 45 days extended European cover	Section 5
Inappropriate Fuel (all cover)				No cover in place for loss or damage caused by inappropriate fuel being used.	Section 1
Excess	* * Excess requirements are highlighted on the Schedule of Insurance * *

Period of Insurance
The length of time covered is shown in the Schedule and is only for twelve continuous months.

Cancellation
Within 14 days of receipt of the policy documents you have a legal right to decide not to proceed with the contract. You must either call us or write to tell us within that time. We will charge for the time you have been covered plus a handling charge £20. The full annual premium is payable if there has been a total loss claim.

Claims
You must report immediately to the Administrator, BDML Connect Ltd, any accident or incident that may give rise to a claim under the policy, on 0870 606 1365.
For broken glass replacement or repair please call 0800 587 6831 or 0800 363 636.

Complaints
If you wish to make a complaint please contact the Administrator first by calling our Customer Services Team on 0870 6061369; or you can write to The Quality Manager, BDML Connect Limited, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.

If you remain dissatisfied with BDML Connect Limited’s response you may write to the insurer. If the insurer is a Lloyd’s syndicate you can also write to the Complaints Department, Lloyd’s, One Lime Street, London EC3M 7HA.
If you are still dissatisfied after receiving a final response letter then you can refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Full details will be made available at the appropriate stage of the complaints process.

Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme website at www.fscs.org.uk