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Riders Legal Protection Policy Summary

Some important facts about your Riders Legal Protection insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.

The level of cover provided is stated on your receipt

RLP is underwritten by Covea Insurance plc

RLP
Significant Features and Benefits	Significant and unusual exclusions or limitations	Relevant section in the policy document
Legal Expenses Cover This policy covers the cost of legal expenses up to £100,000 in respect of any one accident, in pursuing a claim for uninsured losses.	If your motorcycle insurance is cancelled your Riders Legal Protection insurance is automatically cancelled. There must be a reasonable chance that the legal proceedings will be successful. Legal proceedings must not be commenced without the Insurer's permission. Legal expenses or other costs are not covered if they are incurred prior to the Insurer accepting the claim. You must report the accident to Swinton within 10 days of it occurring. There is no cover when your vehicle is being used as a taxi, mini cab or for hire and reward or otherwise than in accordance with your motor insurance.	Terms, Condition and Exclusions
Guaranteed Excess Refund This policy guarantees the refund of the excess you have paid under your motor insurance.	You must provide third-party details within 10 days of the accident. You must provide a receipt for the excess payment. You must report the accident to Swinton within 10 days of it occurring. There is no cover when your vehicle is being used as a taxi, mini cab or for hire and reward or otherwise than in accordance with your motor insurance.	Terms, Condition and Exclusions
Replacement Motorcycle This policy covers you for the cost of a replacement motorcycle until your motorcycle is returned to you or a reasonable offer is made for the settlement of your motor insurance claim.	The accident must have occurred within the British Isles. You must provide third-party details within 10 days of the accident. You must report the accident to Swinton within 10 days of it occurring. There is no cover when your vehicle is being used as a taxi, mini cab or for hire and reward or otherwise than in accordance with your motor insurance.	Terms, Condition and Exclusions

RLP Platinum
In addition to RLP the following applies:
Significant Features and Benefits	Significant and unusual exclusions or limitations	Relevant section in the policy document
The Excess Protection Policy provides insurance to cover reimbursement, up to the Sum Insured, for Your Excess under Your Motorcycle Insurance Policy following the successful settlement of a claim in respect of malicious damage, accident damage, fire, attempted to be stolen or stolen recovered incident or where the vehicle is stolen and remains unrecovered. Up to £500 in respect of Your Excess which You will have paid under Your Motorcycle Insurance Policy and which is not recovered from the Third Party within nine months. Covers any named riders on Your Motorcycle Insurance Policy For residents of Great Britain and Northern Ireland only	A maximum of two claims can be made within the Period of Insurance. The following are not covered under this Policy Any claim where the sum total cost of the Insured Incident does not exceed Your Excess under Your Motorcycle Insurance Policy. Any excess which is recoverable from a third party within nine months of an Insured Incident. Any claim where the Motorcycle Insurance Company do not provide indemnity under the terms of their policy. Any claim reported to Us more than 14 days after settlement of Your claim by Your Motorcycle Insurance Company.	What is Covered? What is Not Covered? (1, 2, 6 & 8)

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 the inception date or of receiving the policy, without giving any reasons. If that happens you will be entitled to a proportionate return of the total cost of this policy. If you cancel after this 14 day period, no refund will be due.

Making a Claim

Please contact the branch where you bought your policy for full details about how to claim.

Complaints Procedure

If you are not satisfied with any aspect of this policy or our service, you should in the first instance direct your complaint to the manager at the branch holding your records. In the unlikely event you remain unsatisfied please contact us:

In writing to The Manager, Customer Assistance Department, Swinton Colonnade, 6 Great Marlborough St, Manchester M1 5SW

By phone 0845 168 3676

If your complaint is not resolved you can refer your complaint to the Financial Ombudsman Service.

If you wish to make a complaint about the Insurer then please contact us as above or refer to your policy booklet.

You may be entitled to compensation from the Financial Services Compensation Scheme in the event that the insurer is unable to meet its liabilities.

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