Ageas Motorcycle

Endorsement Code

Endorsement Description

Full Endorsement Wording

M23

M23 - NCD Protection

Your No Claims Discount is protected provided that no more than two claims arise in five consecutive years.

M11

M11 - Garaging Warranty - applies to Bike 1

Sections A and B of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

M12

M12 - Garaging Warranty - applies to Bike 2

Sections A and B of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

M22

M22 - Garaging Warranty - applies to Bike 3

Sections A and B of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

M52

M52 - Garaging Warranty - applies to Bike 4

Sections A and B of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

B01

B01 - Garaging Warranty - applies to Bike 1

Section 2 and 3 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

B02

B02 - Garaging Warranty - applies to Bike 2

Section 2 and 3 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

B03

B03 - Garaging Warranty - applies to Bike 3

Section 2 and 3 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

B04

B04 - Garaging Warranty - applies to Bike 4

Section 2 and 3 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

MB3

MB3 - Audio/Satellite Navigation Equipment

Amendment to ‘Exceptions to Sections 2 & 3’
Exception 8 will not apply to this policy for manufacturer fitted audio, visual or satellite equipment that has been permanently fitted to your motorcycle.
However, the Insurer will also pay for loss or damage to audio, visual or satellite equipment which is away from your motorcycle if such equipment has been designed to be removed or partly removed from your motorcycle for security. The amount payable is after deduction of any applicable excess.

MB4

MB4 - Young rider and inexperienced riders

Under Section 3 - Accidental & other damage, the 'Young rider & inexperienced riders' additional excesses are applied as follows:
* Under 21 years £150
* 21 - 24 years £100
* 25-29 years £50
*Inexperienced Rider £50
*A person who has a provisional licence or a person who has held a full licence for less than 12 months at the time of an event which you may be entitled to claim for.

MB7

MB7 - Loss of Keys

This policy is extended to cover ignition keys and replacement locks.
If the ignition key or any other ignition device of your motorcycle are lost or stolen the Insurer will pay for any necessary replacement of the keys and locks provided that the ignition key or other ignition device is not left in, on, attached to, or left in the immediate proximity of your motorcycle while  it was unattended.
Your claim will not be reduced by any excess that might otherwise apply under this policy but the maximum amount the Insurer will pay for any incident is £400.

CNA

CNA - Damage to Your Vehicle - Riding other Motorcycles (Ride Cover)

This section of the policy wording also provides the same cover when you are riding another motorcycle as long as;                               
* you do not own, or have not hired the motorcycle under a hire purchase or leasing agreement        
* you are not covered by any other insurance
* you are using the motorcycle for social, domestic and pleasure purposes only
* you are riding the motorcycle within the UK and are complying with the terms and conditions of your driving licence
* the motorcycle is in your possession and you have the owner's permission to ride it
* the owner or keeper of the motorcycle you are riding has arranged his or her own comprehensive insurance separate to this policy
* the motorcycle does not belong to you, or a member of your immediate family, and is not furnished or available for regular use
* you still have your own motorcycle and it has not been subject to a total loss claim
Cover under this section is limited to £15,000 for damage arising from any one incident subject to an excess of £750. If the motorcycle is a total loss (write-off), any settlement will be paid to the legal owner.

CNO

CNO - Garaging Warranty - applies to Bike 1

Section 2 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

CNP

CNP - Garaging Warranty - applies to Bike 2

Section 2 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

CNQ

CNQ - Garaging Warranty - applies to Bike 3

Section 2 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

CNR

CNR - Garaging Warranty - applies to Bike 4

Section 2 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

CNC

CNC - Bonus Protection

Your No Claim Bonus is protected provided that no more than two claims arise in five consecutive years.

CND

CND - Overnight Accommodation

We will pay up to £40 each for the rider and any passenger on your motorcycle towards cost of staying in a hotel overnight if this is necessary if your motorcycle cannot be ridden as a result of loss or damage covered under Sections 2 and 3 of this policy.

CNH

CNH - Foreign Use

The cover shown on your policy schedule will also apply for trips to the EU subject to your trip length not exceeding 90 days and  being of a temporary nature (such as a holiday).

DP1

DP1 - Amendments to policy sections

Amendment to Section 1 – Loss of or damage to your Motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option pay for any accessories or spare parts relating to your motorcycle while these are on your motorcycle and not limited to the amount shown in your policy.
Amendment to Section 1 – Exceptions
The following exceptions apply in addition to those shown in your policy:
16. loss of or damage to any trailer whether or not it is being towed or attached to your motorcycle.
17. loss of or damage to any telephone, communication or navigation equipment of any kind.
18. loss or damage as a result of a deliberate act by any person insured by this policy.
19. any further damage caused after an accident due to your motorcycle being used under its own power.
Amendment to Section 2 – Liability to third parties
Legal Costs
Your insurer will pay for:
• legal services to defend anyone they insure under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death or causing death while under the influence of drink or drugs, provided you have asked and your insurer has agreed to provide the cover and not limited to the age or amount shown in your policy.

DP2

DP2 - Amendment to Section 2 – Liability to third parties

Amendment to Section 2 – Liability to third parties
Legal Costs
Your insurer will pay for:
• legal services to defend anyone they insure under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death or causing death while under the influence of drink or drugs, provided you have asked and your insurer has agreed to provide the cover and not limited to the age or amount shown in your policy.

DP3

DP3 - Protected No Claims Discount

Your No Claims Discount is protected provided that no more than two claims arise in five consecutive years.

DP4

DP4 - Policy Cancellation

If your policy is cancelled, any rebate of premium due will be calculated on a pro rata basis.

DP5

DP5 - Compulsory Fire and Theft Excess

£<Compulsory Excess Amount> If your bike is damaged or lost as a result of fire, theft or attempted theft you will be responsible for the first £<Compulsory Excess Amount>. This amount is in addition to any voluntary and additional riders excess applying to the policy.

M00

M00 - Policy Excess

Section 1, Exceptions 'E' of the policy booklet is deleted and replaced by:                                                                          
If your motorcycle is damaged or lost as a result of accidental damage, fire, theft, attempted theft or malicious damage, you will be responsible for the first amount in accordance with the following
All                 Amount
Under 21      £150                                      
21 to 24        £100                  
25 to 29          £50                    
In addition to:
Insurance group       Amount
1 to 9                             £250  
10 to 19                        £150
20 to 29                        £250
30 to 34                        £350
35 to 80                        £500                                                          
                                                                         
For details of the group rating of your motorcycle, please refer to your policy schedule.                                                         

PB

PB - Protected NCD

Your no claims discount will not be reduced provided that you do not make more than one claim in the period up to the renewal date of this policy. If more than one claim is made during this period, your no claim discount will be reduced in accordance with the current scale at the time.

68

68 - Voluntary Excess (Accidental Damage Fire & Theft)

In respect of each and every occurrence we shall not be liable under Section 1 for a further £nnn of any claim. The sum specified shall be in addition to any other excess shown in this schedule and in Exceptions to Section 1 of this policy.

BS1

BS1 - Bonus Protection

This insurance includes a protected no claims bonus under section 7 of your policy.

S01

S01 - Garaging Warranty - applies to Bike 1

Section 3 and 4 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

S02

S02 - Garaging Warranty - applies to Bike 2

Section 3 and 4 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

S03

S03 - Garaging Warranty - applies to Bike 3

Section 3 and 4 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

S04

S04 - Garaging Warranty - applies to Bike 4

Section 3 and 4 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

GE1

GE1 - Garaging Warranty - applies to Bike 1

Section 1 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

GE2

GE2 - Garaging Warranty - applies to Bike 2

Section 1 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

GE3

GE3 - Garaging Warranty - applies to Bike 3

Section 1 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.

GE4

GE4 - Garaging Warranty - applies to Bike 4

Section 1 of your policy will not cover you for loss or damage to your motorcycle caused directly by theft, attempted theft or malicious damage between the hours of 10.00pm and 06.00am unless your motorcycle is kept in a locked and secured garage. This endorsement applies while your motorcycle is within half a mile radius of your home address or at another address which has been specifically agreed by us to be your overnight storage address.