This policy booklet applies to Fully Comprehensive and Third Party, Fire and Theft Cover only.
Welcome to Zego
Zego is a new generation Insurtech, empowering businesses and individuals with insurance that is more suitable for the 21st century. Zego provides innovative insurance solutions, designed to protect you whilst driving your bike.
Just so you know (and for reassurance), Zego is actually a trading name of Extracover Limited, registered in England & Wales under company number 10128841, and authorised and regulated by the Financial Conduct Authority (Firm Reference No: 757871).
Zego will be your day to day contact for this policy, and are responsible for:
setting up your policy
issuing your policy documents
responding to any changes you want to make or any queries you have
updating your bike onto the Motor Insurance Database
collecting your premium; and
helping you make a claim; and
responding to any complaints you have
to name a few things.
Just so you know (and for reassurance), Zego is actually a trading name of Extracover Limited, registered in England & Wales under company number 10128841, and authorised and regulated by the Financial Conduct Authority (Firm Reference No: 757871).
Get in touch
If you ever need a bit more help,
you can always get in touch using the details below.
Customer Service;
If you need to make a change or have any queries about your policy
Email; [email protected]
Phone; 0203 053 9815
Address: 7th Floor, Exchange House, 12 Primrose Street, London, EC2A 2EG
New Claims;
Email; [email protected]
Phone; 020 3885 0622
Existing Claims;
Phone; 020 3885 0622
Email; [email protected], using your claim reference number in the subject line.
SEVERAL LIABILITY NOTICE
The authorised insurers for this insurance are Extracover Insurance Company Limited and Wakam UK Limited. They agreed to cover an agreed share of any losses and/or costs should a claim arise. The insurers’ obligations under this policy are several and not joint and are limited solely to the extent of their agreed share. No individual insurer is liable for any amount beyond their agreed share of any losses and/or costs or responsible for any other insurer who for any reason does not meet all or part of their obligations, but collectively your insurance cover will amount to 100%.
Extracover Insurance Company Limited, authorised by the Gibraltar Financial Services Commission, Company Number 118662. Extracover Insurance Company Limited Madison Building, Midtown, Queensway, Gibraltar, GX11 1AA..
Wakam UK Limited is a company registered in England and Wales with company number 14778827, having its registered office at 18th & 19th Floors 100 Bishopsgate, London, United Kingdom, EC2N 4AG. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 995565
Introduction to your insurance
We want to be there for you when you need us, so it’s really important that you take the time to read this policy booklet in full. It sets out what you need to do (or not do) and to be aware of, so that this policy will respond when you need it most.
After taking out this policy alongside this policy booklet, you will have also received the following documents:
a policy schedule which will include any endorsements;
a certificate of motor insurance; and
an Insurance Product Information Document (IPID). The IPID does not form part of your policy but is useful to read for a summary of the main covers and exclusions.
You can read a bit more about what these documents are and what they do under the ‘What words mean’ section below, but the really important bit is that this policy is made up of your policy booklet, policy schedule, and your certificate of motor insurance. You should read each one carefully, and if there is anything that you don’t understand, then please tell us straight away.
IMPORTANT
Please also keep in mind that this policy is based on the information that you gave to us when you were buying the insurance. If anything has changed since that time, or if you are aware of anything else significant which you think may impact upon the insurance cover provided, then you must tell us straight away. If you don’t, it may mean that the policy won’t pay out.
Any change you make may result in a change in your premium and may be subject to an administration fee. Administration fees are paid to Zego for the cost of arranging and handling your policy. Details of fees and charges can be found here - https://www.zego.com/fees-and-charges/.
STATEMENT OF DEMANDS AND NEEDS
This product meets the demands and needs of those who wish to ensure cover whilst using their moped or scooter for food delivery or courier work, and for social and domestic purposes.
Hard copy documents are available at no additional cost.
What words mean
Throughout this policy you’ll see a lot of words and phrases in bold that have a particular meaning. If you’d like to know what that is, then this is the place to find out.
accessories/accessory: Items specifically designed to be fitted to your bike but are not related to its function as a motorcycle. This may include items such as radios, top-boxes, tank bags and luggage carriers whilst fitted to your bike.
accident: An event involving your bike that results in damage to property or injury to another person.
approved repairer: A repairer approved by us and authorised to repair your bike following a claim under Sections 2 or 3 of the policy.
bike: The moped, scooter or motorcycle that is detailed on your certificate of motor insurance.
certificate of motor insurance: Legal evidence of your insurance. It shows the bikes we insure, who may drive them, and what they may be used for.
commercial use: The use of your bike for purposes relating to your trade, business, craft or profession. This does not include commuting between your residence and place of work.
endorsement: Any extra or alternative wording that changes the terms of your policy (which we’ll always tell you about). Any endorsements which may apply will be shown in your policy schedule.
excess: The amount that you will have to pay towards any claim, and as confirmed in your policy schedule for each item of cover.
fire: Means fire, self-ignition, lightning and explosion.
hazardous goods: Any goods which are defined thin the International Carriage of Dangerous goods by Road (ADR) agreement.
hazardous locations: Power stations, nuclear installations or establishments, refineries, bulk storage or production premises in the oil, gas or chemical industries, bulk storage or production premises in the explosive, ammunition or pyrotechnic industries, Ministry of Defence premises and military bases, rail trackside or airport – other than in any area the public are allowed access.
hire and reward: Using your bike in order to legally carry goods in return for payment, as noted on your certificate of motor insurance.
ignition Keys: Any key, device or code used to secure, gain access to, and enable your bike to be started and driven.
market value: The cost of replacing a bike with one of the same make and model, taking into account its age, mileage and condition at the time of loss or damage.
period of insurance: The period of time covered by this policy, as shown in the policy schedule.
policy: This policy booklet, the policy schedule, the certificate of motor insurance, and any endorsements.
policy booklet: This document which sets out in detail the terms, conditions, and limitations of your cover.
policy schedule: The document provided to you when you take out the insurance with us, and explains the cover, excess and endorsements which apply to your policy, the bike we are insuring, how much the premium is that you need to pay, and the period of insurance.
Road Traffic Act: The Acts, laws and regulations that cover driving or using cars in the territories.
social, domestic and pleasure: Using your bike solely for private leisure purposes, which includes commuting to or from a place of work.
territories: The United Kingdom (England, Scotland, Wales and Northern Ireland).
theft: Theft, attempted theft, or taking your bike without consent from you or any driver covered by this policy.
we/our/us: Extracover Insurance Company Limited and Wakam UK Limited.
you/your/yourself: The named policyholder(s) as shown on the policy schedule and the certificate of motor insurance.
Zego: Zego sets up and maintains the policy, issuing all your policy documentation.
Your cover
So, this is how it works. You’ve agreed to pay the premium for the policy, and in exchange we will provide you with the cover set out below and within the policy schedule.
There are certain terms, conditions, and exclusions that you need to be aware of that are relevant to the cover provided, and these are also set out below and elsewhere in the policy.
The policy schedule and certificate(s) of motor insurance confirm the particular use of your bike
for which you are covered under this policy.
All cover is provided in accordance with all the other terms, conditions, and limitations noted within the policy.
The sections of the policy that apply to you are confirmed in the policy schedule.
1. Liability to other people (third parties)
What is covered
We will cover you for any damages that you are legally liable to pay for:
another person's death or injury; or
damage to another person's property.
as a result of an accident using your bike within
the territories, up to the sums insured shown in the policy schedule.
This includes accidents caused by any electric charging cables when attached to your bike providing you have taken due care to avoid such an accident.
Emergency treatment
We will reimburse you, for payments made under the
Road Traffic Act for emergency medical treatment.
Legal fees for criminal defence
If there is an accident covered by this policy, and as long as you follow the terms set out under ‘Claiming’, then we have the option (entirely at our sole discretion) to pay reasonable legal costs and/or expenses to defend or represent anyone insured by this policy:
at a coroner’s inquest or fatal accident enquiry; and/or
in criminal proceedings arising out of the accident.
We must agree to all such legal costs and/or expenses beforehand. If we agree to pay such legal costs and/or expenses, then we will tell you at that time how much assistance we will give you.
What is not covered under Section 1
We will not cover any claims:
for loss or damage to your bike;
for loss or damage to property which belongs to, or is in the care, custody or control of anyone insured under this policy;
for any fines and penalties (whether civil or criminal);
for costs or expenses of defending criminal proceedings where the driver was either:
under the influence of drink or drugs at the time of the accident; or
charged with leaving the scene of the accident.for death of or injury to anyone while they’re working with, or for, the driver of your bike except as required by the Road Traffic Act;
where the liability relates to the capture of images of any persons by any camera that your bike is equipped with.
for liability for damage to buildings and contents resulting from a malfunction of the charging box or charging cable.
It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.
EU minimum insurance requirements
This policy provides the minimum insurance needed by law to use your bike in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, Montenegro, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
2. Fire and theft
This section only applies if the policy schedule confirms that you have purchased this cover.
What is covered
This section covers loss or damage resulting from fire (other than by malicious damage) or theft that happened in the territories during the period of insurance to:
your bike; and
any accessories.
What we will do
We will:
Pay for your bike to be repaired by an approved repairer; or
Replace your bike; or
Pay you the market value of your bike up to a limit of £5,000, if it is too expensive to repair, or if your bike is stolen and not recovered.
The most we will pay is the market value of your bike at the time of the loss up to a limit of £5,000.
It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.
3. Damage to your bike
This section only applies if the policy schedule confirms that you have purchased this cover.
What is covered
This section covers loss or damage to:
your bike; and
any accessories.
Resulting from any accident that happens in the territories during the period of insurance.
What we will do
We will:
Pay for your bike to be repaired by an approved repairer; or
Replace your bike; or
Pay you the market value of your bike up to a limit of £5,000, if it is too expensive to repair, or your bike is stolen and not recovered.
The most we will pay you is the market value of your vehicle at the time of the loss up to a limit of £5,000.
If your bike is not safe to drive as a direct result of damage covered by this Section, we will pay:
the reasonable cost of transporting your bike to the nearest approved repairer;
the reasonable cost of delivery of your bike, following repair, to your address as shown in the policy schedule; and
the cost of the storage of your bike incurred with our written consent and at premises of our choosing
Conditions specific to Sections 2 and 3
You must pay your excess, as shown in the policy schedule.
We may repair your bike using parts that have not been supplied by the original manufacturer. They will be of a similar type and quality and may include recycled parts. If you insist that we use parts supplied by the original manufacturer despite alternative parts being available, then we may ask you to pay the difference in the cost.
If the bike cannot be repaired and belongs to someone else or is the subject of a Hire Purchase or Leasing Agreement, then we will pay the legal owner.
If your bike is stolen and not recovered or declared a total loss, once we have settled your claim, your bike will become our property and you must send us the registration document. All cover will then end unless we agree differently and no premium will be refunded.
It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.
4. General exclusions
These general exclusions apply to all sections of this policy, regardless of the type of cover provided. They describe the things which are not covered in any situation and apply as well as the exclusions shown in each individual section. It is therefore extremely important that you read them in full.
Driving and Use:
The policy does not cover any loss, damage or liability where your bike is being:
driven by someone who is not described as entitled to drive by the certificate of motor insurance or schedule;
used for any purpose not allowed by the certificate of motor insurance or schedule;
driven by someone who:
does not have a valid driving licence and the minimum age required within the country in which the accident takes place; or
is disqualified from holding or obtaining such a licence; or
is breaking the conditions of their driving licence.
used specifically for commercial use and is being driven by any person not in possession of any permissions or licences required in connection with that use;
used to carry any pillion passenger(s) (in other words, a passenger who travels in a seat or place behind the rider/driver on your bike).
used to carry goods in a way likely to affect its safe riding and control;
used to carry any load which is greater than the maximum carrying capacity as set by your bike’s manufacturer or if applicable any plated weight limit of your bike;
used in any way that is otherwise illegal within the territories;
driven by or is in the charge of any person who is under the influence of alcohol or drugs or does not provide a blood, breath or urine sample when requested to do so by a Police officer;
driven by someone who causes an accident through a deliberate or reckless act;
used for criminal purposes including avoiding lawful apprehension.
Bike Damage
This policy does not cover:
the excess that applies, as shown in the policy schedule;
the amount of any repair or replacement which improves your bike beyond its condition before the loss or damage;
depreciation, wear and tear;
mechanical, electrical and electronic faults, breakdown, malfunction, failure, breakage;
loss of value of your bike following repair;
any loss or damage caused by your bike being incorrectly fuelled;
damage to tyres caused by the application of brakes or any punctures, cuts or bursts;
more than the last list or quoted price for any accessories which have become
unobtainable or are no longer manufactured in the territories;
the cost of importing parts/items of replacement glass that are not available in the country within which the accident occurred;
deliberate damage to your bike caused by you, an employee or someone who normally lives with you as part of your household;
loss or damage to:
contents of your bike, personal effects, including personal effects;
helmets and protective clothing;
money, stamps, tickets, documents, promotional vouchers, or air miles vouchers;
goods, tools, or samples carried in connection with any trade or business ; or
property insured under any other policy.
Theft
This policy does not cover any loss of or damage to your bike:
caused directly or indirectly through theft by deception;
arising from theft, when the ignition keys are in or on your bike;
arising from theft if you have failed to secure your bike with a suitable security lock when not in use for work purposes;
if it is taken or driven without consent by an employee or someone who normally lives with you as part of your household.
Loss of Use
The policy does not cover any loss or damage which is otherwise not specifically covered under the policy including, but not limited to any indirect losses such as loss of use of your bike, travel costs or loss of earnings.
Value Added Tax (VAT)
The policy does not cover the VAT element of any
claim if you are registered for VAT.
Bike Seizure
The policy does not cover loss or damage caused
by any government, public or local authority, legally removing, keeping or destroying your bike or
any costs to secure the release.
Other Contracts
The policy does not cover any liability:
that you or anyone insured under this policy has accepted under an agreement or contract, unless that liability would have attached anyway;
arising from any other business owned and/or operated by you, other than specifically stated as covered on the policy schedule.
Other Insurance
The policy does not cover any loss, damage or liability
if covered by any other insurance policy.
Hazardous Goods or Hazardous Locations
The policy does not cover any loss, damage or liability arising directly or indirectly of carrying hazardous goods including flammable, explosive, corrosive or oxidizing substances, dynamite, or similar explosives, or asbestos or any material containing asbestos in any form and in any quantity.
The policy does not cover any loss, damage or liability where the bike is being used in a hazardous location.
Pollution/Radiation
The policy does not cover:
death of or injury to any person or damage to any property which is directly or indirectly caused by pollution or contamination;
any loss or liability resulting directly or indirectly from exposure to electric or electromagnetic magnetic fields or radiation.
Racing
The policy does not cover any claims relating to racing of any description or a bike being used in any contest, competition, track days, rallies or trials, or any
other form of racetrack or off-road activity, including test and training events, use on any derestricted toll road or the Nurburgring Nordschleife, as well as liaison routes between two stages of a sporting event.
Airside
The policy does not cover any claim that occurs whilst the bike is in or on that part of an aerodrome, airport, airfield or military base provided for:
the take-off or landing of aircraft and/or the movement of aircraft on the surface;
aircraft parking aprons including the associated service roads, refuelling areas, and ground equipment parking areas.
War
Except as required under the Road Traffic Act, this policy does not cover any loss or damage caused
by terrorism, war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, civil commotion assuming the proportions of or amounting to an uprising, military
or usurped power.
Cyber
The policy does not cover any loss, damage or liability arising from any cyber act or event including but not limited to:
any virus or similar mechanism;
any malicious act resulting in any inability or failure to receive, send, access, or use data (for any time at all); or
any malicious creation, input, destruction, erasure, distortion, corruption, alteration, misinterpretation, misappropriation or use of data.
Period of Insurance
This policy does not cover any claim that occurred outside of the period of insurance.
5. General conditions
In this section you’ll find a number of terms that apply to all of this policy, and describe your responsibilities, general information and the procedures that apply in certain situations.
It’s really important that you read and comply with
these terms as any breach could make the policy
invalid or mean that we don’t pay claims in full or at all.
Tell us the truth and when your information changes
When you purchased your policy, you were
asked a number of questions about you including
your driving history, about any named driver, and
your bike. You may also be asked these types
of questions when you make any changes to
the policy.
It is important that you, or anyone acting on your behalf, answer all of these questions fully and accurately because if any information that you provide is incomplete or inaccurate, including the submission of false, altered, forged or stolen documents, then we/Zego may be able to do one or more of the following:
refuse or reduce any claim payment to you;
apply additional terms or limitations to your policy;
cancel your policy, which depending on circumstances, may be with immediate effect;
avoid your policy entirely, which means treating the policy as though it never came into effect; and/or
retain any premium you have paid, and if you are paying monthly the full amount of premium may still need to be paid.
You must also tell us/Zego any material facts relating
to your business. A material fact is anything that an insurer is likely to take into account when considering whether to offer an insurance policy or how much to charge for it. If you have any doubts at all regarding what a material fact is, or whether a particular piece
of information constitutes a material fact, then please tell us straight away.
Where fraud is identified we will pass details to any fraud prevention, other insurers, and/or law enforcement agencies, including but not limited to the Police for the purposes of preventing and/or prosecuting fraud and money laundering.
Changes to the risk
If your circumstances change from those that you
told us/Zego about when you purchased the policy, then you need to tell us/Zego straight away. Until we/Zego are aware of that change, and have confirmed in writing that it is acceptable (or if you may need to pay
a higher premium), then you will not be covered under this policy and any claims will not be paid.
Any change you make may result in a change in your premium and may be subject to an administration fee. An administration fee may apply even if the change results in a return of premium to you. Details of fees and charges can be found here - https://www.zego.com/fees-and-charges/.
Duty to prevent loss or damage
You need to take reasonable care to avoid causing any loss, damage, or injury and make sure that your bike is roadworthy.
Payment of the premium
We are providing you with the cover under this policy on the basis that you pay all premiums due on time and in full. Where you have failed to pay a premium for any given period of cover then we will be entitled to decline any claims arising from accidents happening during that period. If we approve your claim, we will not provide cover unless and until the outstanding premium is paid in full.
Claims Fraud
Fraud is a criminal offence. If you, or anyone else acting on your behalf;
makes any claim under the policy knowing it to be false, fraudulently inflated, or supported by fraudulent documents or facts,
then we/Zego may do any or all of the following:
Decline the claim, recover any sums paid in respect of the claim and treat the policy as being terminated from the date of the fraud;
Keep any premium which would otherwise have been returned to you for any unexpired period on the policy; and/or
Pass any details to other insurers, any fraud prevention and/or law enforcement agencies, including but not limited to the Police.
Bike Registration
For cover to apply your bike must be registered and have a vehicle registration number issued in the United Kingdom, and you are a tax resident in the territories.
Rights of recovery
If under the laws of any country we/Zego are obliged to deal with any claim but either:
you have failed to pay the premium for the relevant period of cover on time or at all; or
we/Zego would otherwise be entitled to decline the claim for a breach of the policy’s terms,
then, we will have a direct right of recovery against you for any sums paid out as part of that claim.
Cancellation
You can cancel the policy by contacting us at [email protected], by phone on 0203 053 9815, or by using live chat within your account.
Your cancellation of the policy (applies to 7 day and 30-day policies).
As this is a short-term policy, there
is no cooling-off period. This means that if you cancel the policy, then there will be no refund of any premium paid, whether or not any claim has been made.
Your cancellation of the policy (applies to annual policies)
You may cancel the policy within 14 days of receiving your policy documentation (the “cooling off period”).
Where a claim has been made, or there has been an accident likely to give rise to a claim, we will not provide a refund of any premium paid and the full amount of premium will still need to be paid. If you do not pay the outstanding premium we will deduct it from any settlement of a claim.
Where no claim has been made, and there have been no accidents likely to give rise to a claim, you will be charged for the number of days you have had cover, and you will be refunded the rest of the premium paid.
You can otherwise cancel the policy at any time. Outside of the 14 day cooling off period where no claim has been made, and there have been no accidents likely to give rise to a claim, then you will be entitled to a refund of premium in line with the scale below:
Period not exceeding | 14 days | 1 month | 2 months | 3 months | 4 months | 5 months | 6 months | 7 months | 8 months |
% of premium we keep | Pro rata | 25% | 33% | 45% | 55% | 65% | 75% | 80% | 100% |
% of premium due back to you |
| 75% | 67% | 55% | 45% | 35% | 25% | 20% | 0% |
If you are a resident of Northern Ireland, the Channel Islands or the Isle of Man when you cancel the policy you must return your certificate of motor insurance
to Zego.
Circumstances where we may cancel the policy (30 day and annual)
We may be entitled to cancel the policy (or Zego on
our behalf), if there is a good reason for doing so.
Some examples of situations where we would have a good reason for cancelling the policy include (but are not limited to):
a breach of the terms and conditions of this policy
you failing to fully enable the Zego Sense app, if required
you failing to link your integrated work provider account with your Zego account, if required
you have failed to co-operate with, or respond to, our reasonable requests for information and/or documents required either to decide what your premium should be, or to deal with any claim
you harass or use any aggressive behaviour or language towards any member of our staff
your circumstances change and we are unable to provide you with insurance
non-payment of the premium due including non payment of any instalments due under a finance agreement
Where you:
become or are declared insolvent or bankrupt; or
an insolvency practitioner or liquidator is appointed to manage your affairs; or
are the subject of any creditors voluntary arrangement.
we/Zego identify fraud or any attempt to gain any unfair advantage under this policy including when you provide fraudulent documentation to a work provider or licensing authority.
Except where we/Zego reasonably suspect fraud, before the policy is cancelled we/Zego will provide you with 7 days notice either to the email address or postal address shown on your account and remove our details from the Motor Insurance Database as from the effective date of cancellation.
Refunds
Where we/Zego cancels the policy you will be entitled to a refund of the unused premium paid, other than where:
you have notified any claim under the policy, or
we/Zego are entitled to keep any premium either under the terms of this policy or any relevant law.
If any part of the premium was paid with a finance agreement and at the time of cancellation there remains an outstanding balance under the agreement, we/Zego
may deduct from the return premium any outstanding amount due to the finance company that you would otherwise have to pay them. We will then return to
you the return premium less the amount paid to the finance company.
Immediate Cancellation
Where we reasonably suspect fraud by you, any
named driver, or anyone else acting on your behalf
we will cancel your policy with immediate effect
and will not refund any unused premium paid.
If you pay monthly, you must still pay the full balance
of your annual premium.
Sanctions
We will not provide cover, pay claims or provide
benefits to the extent that doing so would expose
us to sanctions, prohibitions or restrictions under
United Nations resolutions or the trade or economic sanctions, laws, or regulations of any country.
The legal bit
The policy and any disputes relating to it (although
we hope there are none) will be governed by the law
of the England and Wales
No Claims Discount
As soon as you have 12 months or more continuous claims free cover with us, you will start to earn a no claims discount (“NCD”).
We will allow a NCD against your renewal premium
if no claim has been made, or any accident likely to
give rise to a claim has occurred, during the previous continuous 12-month period of insurance. The level
of discount applied will be in line with our
NCD scale, applicable at the time of renewal.
How claims will affect your NCD
Where we have made any payment on a claim which
we have not yet been able to recover, or which we cannot recover from any other party involved in the accident, your NCD discount will be reduced to
Nil, even if you are not at fault.
Any claim where we have fully recovered our costs will not affect your NCD.
6. Claiming
Ok, so this part sets out everything that you need to know about making a claim under the policy:
what you should do, what you need to tell us, and what you definitely shouldn’t do. It’s really important that all drivers insured by this policy are aware of all of these terms and the need to comply, or the policy may not
be valid and/or any claim(s) may not be paid.
There’s just been an accident.
As soon as it is safe to do so after an accident or incident, call us on 020 3885 0622 or via the Zego App
We will ask some questions about the accident or incident, such as when, where, and how it happened, and whether any other people were involved.
Do not admit any fault or make any offers or promises etc. to any other person that was involved without speaking to us first.
If any other people are involved, then do NOT DRIVE AWAY. Stop if any property has been damaged or if anyone is injured, and provide your name and address and insurance details to anyone who needs it. If you don't stop at the scene or report an incident you could be committing an offence and be subject to a fine and up to six months in prison.
Similarly, they should ask any other person who is involved for their name, address, and insurance details.
If your bike is stolen or damaged as a result of an attempted theft you must report this to the police and give us the Crime Reference Number and proof of ownership before we can issue any payment.
When we’re handling the claim, what else do you need to do?
If you receive any communication about the accident, whether it concerns who is responsible for the accident, any repairs to the bike, or any other costs that have been incurred, then please tell us straight away. If the communication is in writing, then please send us a copy.
As we say above, it’s very important that you make no admission of liability, promise, or offer to any person at any time, without our permission.
Please tell us straight away if you or any other person involved in the accident are to be prosecuted as a result, or if there is to be an inquest following a fatal accident.
If we ask you for any information or documentation which is necessary for us to consider the claim, or to deal with any proceedings, then this must be provided to us as soon as possible.
If we want to, we will take over and conduct in your name the defence or settlement of any claim, or to issue proceedings in your name against any person to recover any payment that it has made under this policy.
We will have full control of those proceedings and progress/settle them however we think best, but this shall always be at our cost and expense. You will not have to pay.
In the event of a claim covered by this policy you must still pay any premium as and when it falls due. If any payment is not made, then we may:
cancel the policy in accordance with the general conditions and seek payment of the outstanding balance of premium;
refuse to pay any claim which happens on or after the due date of the premium; and/or
deduct any outstanding premium from the claim payment.
7. Data protection
When we say 'we/our/us' this means Zego in this sub-section.
For a full copy of our Privacy Notice, which outlines in detail how we and any other parties (including, but not limited to, Extracover Insurance Company Limited) may use any personal data, together with all of your rights and how to exercise these, just follow this link: www.zego.com/privacy. To find out how Wakam UK Limited will use your personal data as one of the authorised insurers, please go to this link which will detail their Privacy Notice. wakam.com/en/privacy-policy
Your privacy is important to us and we assure you and we will respect any personal data and only use it as specified in our Privacy Notice.
All phone calls, emails and any other written or electronic communications with us may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes.
For details about your rights and how to exercise them, please visit the link to our Privacy Notice above.
You can ask us at any time for details of the information that we hold about you. You can submit a request through our Privacy Notice Page (‘Exercise your rights’ button at the bottom of the page) or use the following link:
https://app-de.onetrust.com/app/#/webform/b465b7ff-18b1-4e10-8f8c-58913317f088
If you need to make changes to your or the named driver’s details on your Zego account or Policy, please contact our Customer Service team on:
Email: [email protected] or
Post: 7th Floor Exchange House, 12 Primrose Street, London, EC2A 2EG.
Motor Insurance Database (MID)
Information relating to this policy and the bikes insured under it will be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
Electronic licensing;
Continuous insurance enforcement;
Law enforcement (prevention, detection, apprehension and or prosecution of offenders); and
The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving.
If you are involved in an accident (either in the United Kingdom, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of an accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds the correct bike registration number(s). If it is incorrectly shown on the MID you are at risk of having the bike seized by the Police.
You can check that all vehicle registration number details are shown on the MID at www.askmid.com
8. Complaints
How to make a complaint
Zego will always strive to provide you with the best possible service, but in the unlikely event that you should have cause for complaint, then you can reach Zego at:
Zego, 7th Floor Exchange House, 12 Primrose Street, London, EC2A 2BQ.
Financial Ombudsman Service
If you are still unhappy with the final response to the complaint, or if Zego does not provide a final response letter within 8 weeks, then you may be able to take the complaint to the Financial Ombudsman Service at:
Financial Ombudsman Service
Exchange Tower
Harbour Exchange
London, E14 9SR
Telephone: +44 (0) 800 023 4567
Email: [email protected]
Financial Services Compensation Scheme
The authorised insurers are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if any of the authorised insurers cannot meet its obligations. This will depend on the circumstances of the claim.
Further information about the compensation scheme arrangements can be found on the FSCS:
website: www.fscs.org.uk
or by writing to:
Financial Services Compensation Scheme
15 St Botolph Street
London, EC3A 7QY
Telephone: + 44 (0) 800 678 1100