• 
• 
• 

About this document

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, which can be found in the policy wording.

Insurer

UK General Insurance Ltd on behalf of Ageas Insurance Limited. Ageas Insurance Limited is registered in England No. 354568. Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA which is authorised and regulated by the Financial Conduct Authority.

Type of insurance and cover

Cover up to £1500 for damage to motorcycle clothing as a result of a motorcycle accident.

Definition

Motorcycle clothing Motorcycle protective clothing, boots, gloves and helmet that you own or are legally responsible for while being worn by you.

Settling claims

We will decide whether to pay the cost of repairing motorcycle clothing, or to replace it with a new item (in the same form and style) if it is damaged beyond repair. We will take off an amount for wear and tear in respect of leathers, boots and gloves.
We will not pay the cost of replacing any undamaged motorcycle clothing forming part of a pair or set of the same type, colour or design if the damage happens to a particular area or specific part and a replacement cannot be matched.
We will not pay the first £50 of every claim.

General exclusions

The insurance does not cover claims arising from wear and tear, radioactive contamination or war, or damage to a passenger's motorcycle clothing.

General conditions

You must keep the motorcycle clothing in a good state of repair You must advise us as soon as possible after a claim occurs.

Period of insurance

The insurance offered is a 12-month contract, which may be renewed each year. Renewal will be subject to the terms and conditions that apply at the time of renewal.

Cancellation right

We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy, without giving any reasons. If that happens you will be entitled to a full refund.

Making a Claim

Call the claimsline on 0800 977 8434. Please quote the following policy reference; Swinton Helmet & Leathers (to be quoted at all times).

Complaints Procedure

We will always do our best to ensure your complete satisfaction, however if you do have cause to complain, please write in the first instance to the: Chief Executive Officer, Qdos Broker & Underwriting Services Limited, Qdos Court, Rossendale Road, Earl Shilton, Leicestershire, LE9 7LY

Tel: 01455 850000

Tel: 01455 841000

In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following: The Customer Relations Manager, UK General, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ

Tel: 0845 218 2685

Email: customerrelations@ukgeneral.co.uk

If your complaint is not resolved having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS). The address is: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

(These procedures do not affect Your rights to take legal action if necessary).

Compensation Scheme

Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk

Your Bikes

Send us a picture of you and your machine...