Are there any restrictions on cover?

• The vehicle must be used for personal purposes, including commuting and travelling to and from a place of work, and you must be a resident in the UK.
• The vehicle must not be an excluded vehicle and must not exceed 3500KG in weight.
• The vehicle is not subject to a business contract hire or lease agreement.
• The following uses of vehicles are excluded:
  • Emergency, military, courier, delivery, invalid carrier or driving instruction;
  • Hire or reward of whatsoever nature, or use as a taxi; or
  • Road racing, rallying, pace-making, speed testing or any other competitive event.

Where am I covered?

In the United Kingdom and Northern Ireland.

What are my obligations?

• To supply accurate and complete answers to all the questions we may ask as part of your application for cover under the policy.
• Observe the terms, conditions and exclusions of this policy and your motor Insurance.

When and how do I pay?

You must pay the total premium in one full payment before the policy starts unless your broker has provided you the option of paying for this insurance over time using a credit facility.

When does the cover start and end?

This policy will run for a set period from the start date listed on your insurance schedule, terminating on the end date listed on your schedule, or should you have made the maximum number of claims under this policy.

How do I cancel the contract?

To cancel the policy, you must give notice to the broker who provided you with this insurance. If you are unable to find which broker set this insurance up for you, please contact Spectrum Insurance Services Ltd on 0114 321 9876 and we will provide you with the contact details of your selling broker. If you cancel within 14 days of purchasing the policy you will be entitled to a full refund. After 14 days you may cancel your policy but you will not be entitled to any refund.