Insurance Cover

Cover

Comprehensive

Cars, MPV’s, Commercial Vehicles up 3.5 ton GVW
i.e. Up to Luton Box Van

21 – 23 yoa

Hirers will be subject to a young driver charge and additional excess of £200. You must also have held a license for a minimum of 24 months, no endorsements and no accidents.

Cars, MPV’s, Commercial Vehicles up 3.5 ton GVW
i.e. Up to Luton Box Van

24 – 75 yoa

Standard conditions

Commercial vehicles over 3.5 ton GVW

23 – 24 yoa

Hirers will be subject to a young driver charge and an additional excess of £250. You must also have held a license for a minimum of 24 months, have no endorsements and no accidents.

Commercial vehicles over 3.5 ton GVW

25 – 75 yoa

Standard conditions

12 – 17 Seater Minibuses
(capacity includes Driver)

Under 25 and over 70 yoa

Cover not available.

12 – 17 Seater Minibuses
(capacity includes Driver)

25 – 70 yoa

Standard conditions with the exception that you must have held a full valid license for a minimum of 24 months.

1.

Death of or bodily injury to the driver.

2.

Liability for causing the death of or injury to any employee arising out of and in the course of employment by any person insured under this insurance if the liability is covered by an employer’s liability policy.

3.

Liability of any person covered by this insurance if that person is entitled to indemnity under any other insurance.

4.

Loss of or damage to vehicles or other property owned by or in the care of any person insured under this section of the insurance.

5.

Death or bodily injury or loss or damage caused or arising:

(a)

in connection with the bringing of the load to your vehicle or loading thereon or the taking away of the load from your vehicle after unloading by any person other than your driver or the attendant of your vehicle.

(b)

beyond the limits of any carriageway or thoroughfare in connection with the bringing of the load to your vehicle or loading thereon or the taking away of the load from your vehicle after unloading.

6.

Any vehicle whilst "airside" at any airport or airfield, i.e. in an area where aircraft are to be found landing, taking off, manoeuvring or parked etc.

7.

Any claim arising during or in consequence of an act of terrorism other than to meet the requirements of the Road Traffic Act.  For the purpose of this exception, terrorism means an activity involving a violent or life threatening act by an individual or organisation with the intention of coercing, intimidating or influencing either an individual person, the civilian population, or the Government of any country, or any act deemed by any law enforcement body to be an act of terrorism.

Accidental external and visible means.

(b)

Frost (provided all reasonable precautions are taken).

(c)

Vandalism or malicious means.

(d)

Fire, lightning, self ignition, or explosion.

(e)

Theft or any attempt thereat.

Loss of use, wear and tear, betterment, depreciation, mechanical, electrical, electronic, computer, failures or breakdowns or breakages or damage to tyres unless resulting from an accident to your vehicle.

2.

Loss of or damage arising from theft or attempted theft if the ignition keys and/or security equipment arming devices have not been activated or have been left in or on the vehicle or easily accessible.

3.

Loss of or damage to cassettes, compact discs, money, stamps, tickets, documents or securities, jewellery, radio, mobile or portable telephones, two way transmitters, television receivers, video recorders, sound reproducing equipment, Traffic Master systems, portable Satellite Navigation or similar units.

4.

Any goods, samples, tools or equipment carried in connection with any trade or business.

5.

Any amount which is more than the last known list price of any part or accessory which is obsolete or unobtainable.

6.

Any reduction in the market value as a result of repairs to the vehicle.

7.

Loss or damage caused by any person obtaining the vehicle by deception.

8.

Any property insured under any other contract of insurance.

9.

Loss or damage where adequate precautions have not been taken.

10.

Replacement of locks if the keys are stolen or lost.

11.

Damage to the insured vehicle/trailer caused by the produce and/or livestock carried therein.

12.

Any amount exceeding £250,000 in respect of any one claim or number of claims arising during or in consequence of an act of terrorism.
For the purpose of this exception, terrorism means an activity involving a violent or life threatening act by an individual or organisation with the intention of coercing, intimidating or influencing either an individual person, the civilian population, or the Government of any country, or any act deemed by any law enforcement body to be an act of terrorism.

any member country of the European Union (E.U.).

(b)

any other country in respect of which the Commission of the E.U. has made arrangements to meet the requirements of Article 7 (2) of the E.U. Directive on insurance of civil liabilities arising from the use of motor vehicles. The Company reserves the right to charge for this provision.

(c)

any other country in which the Company agree to provide cover, following a request from the Insured but only for the period agreed by the Company.

Accidental Damage       

Standard Excess as shown on your Rental Agreement.

(b)

Fire

Standard Excess as shown on your Rental Agreement.

(c)

Theft/Attempted Theft

Standard Excess as shown on your Rental Agreement.

(d)

Windscreen/Windows    

Standard Excess as shown on your Rental Agreement.

(e)

Overhead damage on LCV’s and Minibuses

Excess of £3,000. This excess is not reduced by any Excess Waiver

Any accident, injury, loss, damage or liability when a vehicle insured by this insurance is:-

(a)

being used for a purpose not in accordance with the use clause in the Certificate of Insurance and/or Schedule/amended Schedule.

(b)

being driven by you unless you hold a licence to drive the vehicle or have held and are not disqualified from or prohibited by law from holding or obtaining such licence.

(c)

being driven with your permission by any person who and who has not completed and had accepted an approved drivers or supplementary motor insurance form

(d)

in any country outside the United Kingdom, apart from those covered under Section 3 (foreign use).

2.

Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, except so far as is necessary to meet the minimum requirements of the Road Traffic Act (notwithstanding any provision to the contrary within this insurance or any endorsement thereto) ; war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

This exception also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to the above.
If the Company alleges that by reason of this exception, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon the Insured.
In the event any portion of this exception is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

3.

Accident, injury, loss, damage or legal liability which occurs as a result of:-

(a)

pollution or contamination however caused except so far as is necessary to meet the minimum requirements of the Road Traffic Act.
For the purposes of this exception, pollution or contamination shall be deemed to mean:

i)

all pollution or contamination of buildings or other structures or of water or land or the atmosphere and

ii)

all death, bodily injury, illness, loss or damage directly or indirectly caused by such pollution or contamination

(b)

ionising radiation or contamination by radioactivity from any irradiated fuel or from any nuclear waste from the combustion of nuclear fuel or any consequential loss therefrom.

(c)

the radioactive, toxic explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly or any consequential loss therefrom.

(d)

an earthquake.

(e)

riot or civil commotion occurring outside England, Scotland, Wales, the Isle of Man or the Channel Islands except so far as is necessary to meet the minimum requirements of the Road Traffic Act.

(f)

pressure waves caused by aircraft and other aerial devices.

(g)

any vehicle covered by this insurance being in an unsafe, unroadworthy or illegal condition.

(h)

any vehicle covered by this insurance being used, driven or taken away by any member of your family or the family of the authorised driver of the vehicle  who has not completed and had accepted an approved drivers or supplementary motor insurance form

4.

Consequential Loss to you arising directly or indirectly from any accident, damage, injury or loss.

5.

Any deliberate damage done to any property by you or by any employee or partner and which was done with your consent or prior knowledge.  Deliberate damage caused as a result of a reasonable attempt to save life or to prevent further damage being caused to any property already insured under this policy, will not, at our discretion, be excluded by this clause.  Our obligations under the terms of the Road Traffic Act to any third party will not be affected by this clause, however we reserve the right to recover any such sums paid by virtue of the provisions of the Road Traffic Act but which would otherwise be excluded under this clause, from you.

6.

Any liability if you deliberately use your vehicle to cause loss, damage or injury to any person.  Our obligations under the terms of the Road Traffic Act to any third party will not be affected by this clause, however, we reserve the right to recover any such sums paid by virtue of the provisions of the Road Traffic Act but which would otherwise be excluded under this clause, from you.

7.

Any claim occasioned by or arising from suicide or attempted suicide except so far as is necessary to meet the requirements of the Road Traffic Act.

This insurance will only apply provided that:-

(a)

any person claiming indemnity has complied with all the terms, conditions and endorsements of this policy.

(b)

the declaration and information given on your proposal form, is complete and correct to the best of your knowledge and belief and any change in circumstance or personal position or condition which may affect the insurance is notified to Bellhire plc within a reasonable period.

2.

When an accident incident or loss or damage occurs you or your personal representative must:-

(a)

advise the Bellhire plc in writing giving the Company full details as soon as reasonably possible by completing an Accident Report Form.

(b)

wherever possible obtain the names and addresses of all witnesses.

(c)

send Bellhire any letter, claim, writ or summons immediately it is received, unanswered.

(d)

advise Bellhire in writing immediately of the time and place of any impending prosecution, coroner's inquest or fatal accident enquiry involving any person covered by this insurance.

(e)

make no admission, offer, repudiation or promise of payment without Bellhire’s written permission.

(f)

provide Bellhire with all such information, co-operation and assistance as they may reasonably require.

3.

Bellhire plc and it’s Insurers are entitled to take sole control to conduct in your name or in the name of any person insured by this insurance:-

(a)

the defence and/or settlement of any claim.

(b)

proceedings to recover any payments made under this insurance.

4.

The Company may cancel this insurance by giving 7 days’ notice by Recorded Delivery letter to your last known address.  You must return the Certificate of Insurance to us within the seven days mentioned herein.

5.

If the law of any country in which this insurance applies obliges the Company to pay a claim they would not otherwise have paid, the Company reserve the right to recover this amount in full from you or from the person who received the liability.

6.

If at the time of the happening of any accident, injury, damage or loss covered under this insurance there is another insurance in force covering the same liability, loss or damage whether effected by you or not the Company will pay only their share of the claim.

7.

You and any person claiming indemnity under this insurance must take all reasonable steps to:-

(a)

safeguard the insured vehicle and its contents from, fire, theft, conversion or other loss or damage.

(b)

maintain the insured vehicle in an efficient and roadworthy condition.  The Company shall have at all times by their authorized representative free access to examine the insured vehicle.

8.

If by reason of it’s age you must have in force a valid M.O.T. Certificate, regarding the roadworthiness of the insured vehicle, failure to have such a document could lead to a claim for the total loss of the insured vehicle being repudiated.

9.

If a part of this document is proven to have no legal validity all other parts of the document will be considered as valid in Law unless proven otherwise.  We reserve the right and without notice to replace any part of this document proven not to be valid in Law with a wording that is.