Insurance you
control

We will cover you for any damages that you are legally liable to pay for:

• another person's injury: or
• damage to another person's property.

as a result of an accident using your Vehicles within the territories, up to the sums insured shown in the policy schedule.

This includes accidents caused by any electric charging cables when attached to your Vehicles providing you have taken due care to avoid such an accident.

We will reimburse you, for payments made under the Road Traffic Act for emergency medical treatment.

If there is an accident covered by this policy, and as long as you follow the terms set out under 'Claiming', then we have the option (entirely at our sole discretion) to pay reasonable legal costs and/or expenses to defend or represent anyone insured by this policy:

• at a coroner's inquest or fatal accident enquiry; and/or
• in criminal proceedings arising out of the accident.

We must agree to all such legal costs and/or expenses beforehand. If we agree to pay such legal costs and/or expenses, then we will tell you at that time how much assistance we will give you.

We will not cover any claims:

• for loss or damage to your Vehicles
• for loss or damage to property which belongs to, or is in the care, custody or control of anyone insured under this policy:
• for any fines and penalties (whether civil or criminal);
• for costs or expenses of defending criminal proceedings where the driver was either:
  • under the influence of drink or drugs at the time of the accident: or
  • charged with leaving the scene of the accident.
• for injury to anyone while they're working with, or for, the driver of your bike except as required by the Road Traffic Act;
• where the liability relates to the capture of images of any persons by any camera that your Vehicles is equipped with.
• for liability for damage to buildings and contents resulting from a malfunction of the charging box or charging cable.

It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.

We do not provide any insurance for other countries. we are provide insurance only for United Kingdom.

The policy does not cover any loss, damage or liability where the vehicles is being:

• driven by someone who is not described as entitled to drive by the certificate of motor insurance or schedule;
• used for any purpose not allowed by the certificate of motor insurance or schedule;
• driven by someone who:
  1. does not have a valid driving licence and the minimum age required within the country in which the accident takes place; or
  2. is disqualified from holding or obtaining such a licence; or
  3. is breaking the conditions of their driving licence.
• used specifically for commercial use and is being driven by any person not in possession of any permissions or licences required in connection with that use;
• used to carry any pillion passenger(s) (in other words, a passenger who travels in a seat or place behind the rider/driver on your vehicles).
• used to carry goods in a way likely to affect its safe riding and control;
• used to carry any load which is greater than the maximum carrying capacity as set by your vehicle's manufacturer or if applicable any plated weight limit of your Vehicles:
• used in any way that is otherwise illegal within the territories:

This policy does not cover:

• any loss or damage to your vehicles
• loss or damage to:
  1. contents left in or on your vehicles, including personal effects;
  2. helmets and protective clothing:
  3. money, stamps, tickets, documents, promotional vouchers, or air miles vouchers;
  4. goods, tools, or samples carried in connection with any trade or business; or
  5. property insured under any other policy.

This policy does not cover any loss of or damage to your bike arising from theft.

The policy does not cover any loss or damage which is otherwise not specifically covered under the policy including, but not limited to any indirect losses such as loss of use of your Vehicles, travel costs or loss of earnings.

The policy does not cover the VAT element of any claim if you are registered for VAT.

The policy does not cover loss or damage caused by any government, public or local authority, legally removing, keeping or destroying your vehicles or any costs to secure the release.

The policy does not cover any liability:

• that you or anyone insured under this policy has accepted under an agreement or contract, unless that liability would have attached anyway;
• arising from any other business owned and/or operated by you, other than specifically stated as covered on the policy schedule.

The policy does not cover any loss, damage or liability if covered by any other insurance policy.

The policy does not cover any loss, damage or liability arising directly or indirectly of carrying hazardous goods including flammable, explosive, corrosive or oxidizing substances, dynamite, or similar explosives, or asbestos or any material containing asbestos in any form and in any quantity.

The policy does not cover any loss, damage or liability where the vehicle is being used in a hazardous location.

The policy does not cover:

• death of or injury to any person or damage to any property which is directly or indirectly caused by pollution or contamination;
• any loss or liability resulting directly or indirectly from exposure to electric or electromagnetic magnetic fields or radiation.

The policy does not cover any claims relating to racing of any description or a bike being used in any contest, competition, track days, rallies or trials, or any other form of racetrack or off-road activity, including test and training events, use on any derestricted toll road or the Nurburgring Nordschleife, as well as liaison routes between two stages of a sporting event.

The policy does not cover any claim that occurs whilst the vehicles is in or on that part of an aerodrome, airport, airfield or military base provided for:

• the take-off or landing of aircraft and/or the movement of aircraft on the surface;
• aircraft parking aprons including the associated service roads, refuelling areas, and ground equipment parking areas.

Except as required under the Road Traffic Act, this policy does not cover any loss or damage caused by terrorism, war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

The policy does not cover any loss, damage or liability arising from any cyber act or event including but not limited to:

• any virus or similar mechanism;
• any malicious act resulting in any inability or failure to receive, send, access, or use data (for any time at all); or
• any malicious creation, input, destruction, erasure, distortion, corruption, alteration, misinterpretation, misappropriation or use of data.

This policy does not cover any claim that occurred outside of the period of insurance.

When you purchased your policy, you were asked a number of questions about you including your driving history, about any named driver, and your vehicle. You may also be asked these types of questions when you make any changes to the policy.

It is important that you, or anyone acting on your behalf, answer all of these questions fully and accurately because if any information that you provide is incomplete or inaccurate, including the submission of false, altered, forged or stolen documents, then we/SafeHavenins may be able to do one or more of the following:

• refuse or reduce any claim payment to you;
• apply additional terms or limitations to your policy:
• cancel your policy, which depending on circumstances, may be with immediate effect;
• avoid your policy entirely, which means treating the policy as though it never came into effect; and/or
• retain any premium you have paid, and if you are paying monthly the full amount of premium may still need to be paid.

You must also tell us/SafeHavenins any material facts relating to your business. A material fact is anything that an insurer is likely to take into account when considering the risk.

You must also tell us/SafeHavenins any material facts relating to your business. A material fact is anything that an insurer is likely to take into account when considering whether to offer an insurance policy or how much to charge for it. If you have any doubts at all regarding what a material fact is, or whether a particular piece of information constitutes a material fact, then please tell us straight away.

Where fraud is identified we will pass details to any fraud prevention, other insurers, and/or law enforcement agencies, including but not limited to the Police for the purposes of preventing and/or prosecuting fraud and money laundering.

If your circumstances change from those that you told us/SafeHavenins about when you purchased the policy. then you need to tell us/SafeHavenins straight away. Until we/SafeHavenins are aware of that change, and have confirmed in writing that it is acceptable (or if you may need to pay a higher premium), then you will not be covered under this policy and any claims will not be paid.

Any change you make may result in a change in your premium and may be subject to an administration fee. An administration fee may apply even if the change results in a return of premium to you.

You need to take reasonable care to avoid causing any loss, damage, or injury and make sure that your vehicles is roadworthy.

We are providing you with the cover under this policy on the basis that you pay all premiums due on time and in full. Where you have failed to pay a premium for any given period of cover then we will be entitled to decline any claims arising from accidents happening during that period. If we approve your claim, we will not provide cover unless and until the outstanding premium is paid in full.

Fraud is a criminal offence. If you, or anyone else acting on your behalf;

• makes any claim under the policy knowing it to be false, fraudulently inflated, or supported by fraudulent documents or facts,

then we/SafeHavenins may do any or all of the following:

• Decline the claim, recover any sums paid in respect of the claim and treat the policy as being terminated from the date of the fraud:
• Keep any premium which would otherwise have been returned to you for any unexpired period on the policy: and/or
• Pass any details to other insurers, any fraud prevention and/or law enforcement agencies. including but not limited to the Police.

For cover to apply your vehicles must be registered and have a vehicle registration number issued in the United Kingdom, and you are a tax resident in the territories

If under the laws of any country we/SafeHavenins are obliged to deal with any claim but either:

• you have failed to pay the premium for the relevant period of cover on time or at all; or
• we /SafeHavenins would otherwise be entitled to decline the claim for a breach of the policy's terms,

then, we will have a direct right of recovery against you for any sums paid out as part of that claim.

You can cancel the policy by contacting us at support@safehavenins.co.uk, by phone on +44 7438 109921, or by using live chat within your account.

Your cancellation of the policy (applies to 7 day and 30-day policies).

As this is a short-term policy, there is no cooling-off period. This means that if you cancel the policy, then there will be no refund of any premium paid, whether or not any claim has been made.

Your cancellation of the policy (applies to annual policies)

You may cancel the policy within 7 Working days of receiving your policy documentation (the "cooling off period").

Where a claim has been made, or there has been an accident likely to give rise to a claim, we will not provide a refund of any premium paid and the full amount of premium will still need to be paid. If you do not pay the outstanding premium we will deduct it from any settlement of a claim.

Where no claim has been made, and there have been no accidents likely to give rise to a claim, you will be charged for the number of days you have had cover, and you will be refunded the rest of the premium paid.

You can otherwise cancel the policy at any time.

Outside of the 5 working day cooling off period where no claim has been made, and there have been no accidents likely to give rise to a claim, then you will be entitled to a refund of premium in line with the scale on the next page

If you are a resident of Northern Ireland, the Channel Islands or the Isle of Man when you cancel the policy you must return your certificate of motor insurance to SafeHavenins.

Circumstances where we may cancel the policy (30 day and annual)

We may be entitled to cancel the policy (or SafeHavenins on our behalf), if there is a good reason for doing so.

Some examples of situations where we would have a good reason for cancelling the policy include (but are not limited to):

• a breach of the terms and conditions of this policy
• you failing to fully enable the SafeHavenins Sense app, if required
• you failing to link your integrated work provider account with your SafeHavenins account, if required
• you have failed to co-operate with, or respond to, our reasonable requests for information and/or documents required either to decide what your premium should be, or to deal with any claim
• you harass or use any aggressive behaviour or language towards any member of our staff
• your circumstances change and we are unable to provide you with insurance
• non-payment of the premium due including non payment of any instalments due under a finance agreement
• Where you:
  1. become or are declared insolvent or bankrupt; or
  2. an insolvency practitioner or liquidator is appointed to manage your affairs; or
  3. are the subject of any creditors voluntary arrangement
• we/SafeHavenins identify fraud or any attempt to gain any unfair advantage under this policy including when you provide fraudulent documentation to a work provider or licensing authority.

Except where we/SafeHavenins reasonably suspect fraud, before the policy is cancelled we/SafeHavenins will provide you with 7 days notice either to the email address or postal address shown on your account and remove our details from the Motor Insurance Database as from the effective date of cancellation.

Where we/SafeHavenins cancels the policy you will be entitled to a refund of the unused premium paid, other than where:

(i) you have notified any claim under the policy, or

(ii) we/SafeHavenins are entitled to keep any premium either under the terms of this policy or any relevant law.

If any part of the premium was paid with a finance agreement and at the time of cancellation there remains an outstanding balance under the agreement, we/SafeHavenins may deduct from the return premium any outstanding amount due to the finance company that you would otherwise have to pay them. We will then return to you the return premium less the amount paid to the finance company.

Immediate Cancellation

Where we reasonably suspect fraud by you, any named driver, or anyone else acting on your behalf we will cancel your policy with immediate effect and will not refund any unused premium paid.

If you pay monthly, you must still pay the full balance of your annual premium.

We will not provide cover, pay claims or provide benefits to the extent that doing so would expose us to sanctions, prohibitions or restrictions under United Nations resolutions or the trade or economic sanctions, laws, or regulations of any country.

The policy and any disputes relating to it (although we hope there are none) will be governed by the law of the England and Wales

As soon as you have 12 months or more continuous claims free cover with us, you will start to earn a no claims discount ("NCD").

We will allow a NCD against your renewal premium if no claim has been made, or any accident likely to give rise to a claim has occurred, during the previous continuous 12-month period of insurance. The level of discount applied will be in line with our NCD scale, applicable at the time of renewal.

How claims will affect your NCD

Where we have made any payment on a claim which we have not yet been able to recover, or which we cannot recover from any other party involved in the accident, your NCD discount will be reduced to Nil, even if you are not at fault.

Any claim where we have fully recovered our costs will not affect your NCD.

• We will ask some questions about the accident or incident, such as when, where, and how it happened, and whether any other people were involved.
• Do not admit any fault or make any offers or promises etc. to any other person that was involved without speaking to us first.
• If any other people are involved, then do NOT DRIVE AWAY. Stop if any property has been damaged or if anyone is injured, and provide your name and address and insurance details to anyone who needs it. If you don't stop at the scene or report an incident you could be committing an offence and be subject to a fine and up to six months in prison.
• Similarly, they should ask any other person who is involved for their name, address, and insurance details.
• If your vehicles is stolen or damaged as a result of an attempted theft you must report this to the police and give us the Crime Reference Number and proof of ownership before we can issue any payment

• If you receive any communication about the accident, whether it concerns who is responsible for the accident, any repairs to the vehicles, or any other costs that have been incurred, then please tell us straight away. If the communication is in writing, then please send us a copy.
• As we say above, it's very important that you make no admission of liability, promise, or offer to any person at any time, without our permission.
• Please tell us straight away if you or any other person involved in the accident are to be prosecuted as a result, or if there is to be an inquest following a fatal accident.
• If we ask you for any information or documentation which is necessary for us to consider the claim, or to deal with any proceedings, then this must be provided to us as soon as possible.
• If we want to, we will take over and conduct in your name the defence or settlement of any claim, or to issue proceedings in your name against any person to recover any payment that it has made under this policy.
• We will have full control of those proceedings and progress/settle them however we think best, but this shall always be at our cost and expense. You will not have to pay.

In the event of a claim covered by this policy you must still pay any premium as and when it falls due. If any payment is not made, then we may:

1. cancel the policy in accordance with the general conditions and seek payment of the outstanding balance of premium;
2. refuse to pay any claim which happens on or after the due date of the premium; and/or
3. deduct any outstanding premium from the claim payment

Information relating to this policy and the vehicles insured under it will be added to the Motor Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

• Electronic licensing:
• Continuous insurance enforcement;
• Law enforcement (prevention, detection, apprehension and or prosecution of offenders); and
• The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving.

If you are involved in an accident (either in the United Kingdom, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of an accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds the correct vehicle registration number(s). If it is incorrectly shown on the MID you are at risk of having the vehicle seized by the Police.

Safe Haven will always strive to provide you with the best possible service, but in the unlikely event that you should have cause for complaint, then you can reach us at:

Email: support@safehavenins.co.uk