This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full

details of the insurance policy terms, conditions and exclusions which are contained in the insurance policy itself. You should refer to

your own policy document (showing reference code G240 or GR240 on the back), your policy schedule and any endorsements which

apply to your own policy for full details of the your cover.

This insurance is underwritten by Groupama Insurance Company Limited.

Type of Insurance

Commercial Vehicle - Comprehensive

LOSS OF OR DAMAGE TO YOUR VEHICLE

This policy covers loss of or damage to

your vehicle, its accessories and spare

part caused as a result of certain events

The main events are accidents, fire and

theft

Your policy outlines this cover, the

limitations and exclusions in detail

Part A1, General Exceptions and

Endorsements

INJURY AND DEATH

This policy covers you for your liability

arising from an incident involving your

vehicle that results in injury or death of

any person

Your policy outlines this cover, the

limitations and exclusions in detail

Part A2 and General Exceptions

THIRD PARTY PROPERTY DAMAGE

This policy covers damage to any third

party property arising out of an accident

involving your vehicle

The maximum amount we will pay is

£5,000,000

Part A2

FOREIGN USE

This policy provides the minimum cover

required by law for travel within countries

which are members of the European

Union, or other countries which meet the

requirements of the European

Commission Directives on Motor

Insurance

Full policy cover may be extended upon

request

Loss of or damage to your vehicle is

excluded unless the policy cover has

been extended to provide full cover

For travel outside the European

Union prior application must be made

and you must pay any required

additional premium

Part A7

AUDIO EQUIPMENT

This policy covers loss or damage to any

audio equipment permanently fitted to

your vehicle

The level of cover is unlimited for

equipment fitted as standard

Equipment not fitted as standard is

covered up to £500

This limit will apply after any

applicable excess

Loss of or damage to any telephone

equipment is excluded

Policy Schedule and Endorsement RA7

EMERGENCY TREATMENT

We will pay emergency treatment fees as

required under the Road Traffic Acts

Part A6

EXCESS

A compulsory Accidental Damage excess

applies to this policy. The amount of

excess depends on the make and model

of your vehicle.

A £100 Fire and Theft excess also applies

to this policy

Additional Accidental Damage

excesses apply if your vehicle is

being driven by an inexperienced

driver or by a driver who is under the

age of 25

If you have asked for a voluntary

Accidental Damage excess this will

apply in addition to any compulsory

excesses

Policy Schedule and Endorsements

GLASS REPAIR/REPLACEMENT

This policy covers repair and replacement

of glass in your vehicle windscreen and/or

windows

A £50 excess applies if the glass is

replaced (No excess applies if the

glass is repaired)

If you do not use a Groupama

approved glass company the

maximum amount we will pay will be

£150 after the deduction of any excess.

Policy Schedule and Endorsement WX1

PROTECTED NO CLAIM DISCOUNT

Available on qualifying risks

Your No Claim Discount will be

protected provided that no more than

two claims arise in any five

consecutive years of insurance

Policy Schedule and Endorsement FO1

FAILURES AND BREAKDOWNS

This policy does not cover and we will

not pay for mechanical, electrical,

electronic or computer failures or

breakdowns

Part A1.

DECEPTION

This policy does not cover loss of

your vehicle by deception

Part A1.

DELIBERATE ACTS

This policy does not cover loss of or

damage to your vehicle as a result of

a deliberate act by anybody insured

by this policy

Part A1.

UNOCCUPIED VEHICLE

If your vehicle is left unoccupied loss

or damage is excluded if your vehicle

is unlocked, or the windows or roof

opening are open, or the keys are in

or on your vehicle

Part A1.

DRIVING OTHER VEHICLES

This policy does not cover you when

you are driving any other vehicle

TRAILER COVER

This policy does not cover any loss of

or damage to any trailer or caravan

Part A1.

LOADING/UNLOADING

This policy does not cover any loss or

damage caused or arising beyond the

limits of any carriageway or

thoroughfare in connection with the

loading or unloading of your vehicle

by any person other than the driver

or attendant of your vehicle

Part A2.

TOOLS/GOODS and PERSONAL EFFECTS

This policy does not cover loss of or

damage to money, stamps, tickets,

documents or securities

This policy does not cover loss of or

damage to tools, stock items, goods

or samples

Policy Schedule and Endorsement CVE

We hope that you will be happy with your insurance policy. If, having examined your policy, you decide not to proceed, you have 14

days from the date you received your policy document to cancel this policy and receive a refund of premium. To do this you should

contact the intermediary or organisation that sold you your policy.

Any refund of premium given will be subject to a charge for any period that cover has been in force plus reasonable administration

charges. Any refund will be subject to the return of the policy document and any Certificate of Motor Insurance or Cover Note.

A refund of premium will not be given if you have made a claim under the policy or an incident has occurred which may give rise to a

claim under the policy.

If you wish to make a claim please telephone 0870 240 1895 if you are reporting an accident, theft or vehicle fire. For glass repair or

replacement please telephone 0800 85 44 54.

We make every effort to maintain the highest standards but recognise that there may be occasions when the particular requirements

of our customers are not met. In these circumstances please contact either the intermediary or organisation that sold you this

insurance or Groupama Insurances directly by telephone on 0870 850 8510; by e-mail at customer.service@groupama.co.uk; or via

If your concern or issue cannot be settled you may be entitled to refer it to the Financial Ombudsman Service.

Groupama Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). This means that you

may be entitled to receive compensation if we are unable to meet our obligations. Full details are available from the FSCS.

Groupama Insurance Company Limited Registered Number 995253

Registered in England Registered Office: Groupama House 24-26 Minories London EC3N 1DE

www.groupama.co.uk

Member of the Association of British Insurers

Authorised and regulated by the Financial Services Authority