Short Term Car Insurance

Exclusions - what's not covered by Norwich Union Short Term Car Insurance

We've told you what's included in our short term car insurance policy, but we want you to have the confidence to know that there's no "small print" and that we'll pay out when it comes to the crunch.

Below are some examples of what is excluded under this policy. For full details, please consult the policy wording.

• Loss or damage arising from theft while the ignition keys of your car have been left in or on your car
• Loss of use, reduction in value, wear and tear, or mechanical, electrical or computer breakdowns, failures or breakages
• Loss of value following a repair
• Confiscation or requisition or destruction by or under order of any government or public or local authority
• Damage to tyres by braking or by punctures, cuts or bursts
• Loss or damage directly caused by pressure waves caused by aircraft or other flying devices travelling at, or above, the speed of sound

We will not pay for any accident, injury, loss or damage that occurs while:

• Your car is being used for a purpose not shown under the "Description of use" section of your certificate of insurance. For example, the car is being used for business purposes but you have not requested this cover
• It is being driven by any person not described in your certificate of insurance as entitled to drive

Eligibility - drivers

The customer and any other person who will drive must:

• Be resident in Great Britain, Northern Ireland or the Isle of Man.
• Be aged over 21 (over 25 in respect of group 18-20 cars).
• Hold a current, valid, full UK driving licence and have done so for at least 12 months.
• Have no more than 8 penalty points in the last 3 years, and have no prosecution or police enquiry pending.
• Not have had more than 2 fault claims in any three year period.
• Not have been disqualified from driving in the past 3 years.
• Only use the car for social, domestic and pleasure purposes or business use by the policyholder excluding the passengers or goods for hire or reward.

Eligibility - the car

To qualify for short term insurance, the vehicle must:

• Be registered in Great Britain, Northern Ireland or the Isle of Man.
• Have a current market value of less than £40,000.
• Have no more than 8 seats (including the driver's.
• Not have been (personally) imported.
• Not be used for the carriage of goods or passengers for hire or reward.
• Not be used to carry hazardous goods (other than the carriage of less than 10kg of bottled gas, or 10 litres of flammable solvents in one container.
• Not be used or driven at any hazardous location.

Any vehicles that have undergone any post manufacturer 'after market fit' modification (cosmetic or performance related) are NOT ACCEPTABLE. However:

• Vehicles modified to cater for a disabled driver or passenger can be covered under short term car insurance
• Vehicles fitted with manufacturer specified optional extras, fitted at the time of manufacture, can also be covered under short term car insurance.

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NFPOC4977 21102009