What is covered by Your Insurance
In the event of a Total Loss happening within the Geographical Area and occurring within the Period of Insurance, the Insurer will pay an amount equal to the difference between the Market Value of Your Vehicle at the Point of Total Loss and Outstanding Finance Balance relating strictly to the purchase of Your Vehicle, less any arrears, rebates or refunds for creditor insurance.

The most We will pay will be the amount shown on Your Schedule of Insurance.

Important notes

a).	You must have bona fide motor insurance on Your Vehicle, issued by an authorised UK insurer, which gives You cover against accidental damage, fire and theft.
b).	If You only have third party, fire and theft insurance Your claim will be restricted to a Total Loss resulting from fire or theft.
c).	For this Insurance to become effective, Your Motor Insurer must declare Your Vehicle a Total Loss, make a payment to You in settlement of Your claim, and declare Your Vehicle 'beyond economic repair'.
d).	If You make a claim on this Insurance You must do so within 30 days of the accidental damage, fire or theft occurring.
e).	You are advised not to accept any settlement offer made by Your Motor Insurer without Our prior agreement.
f).	Where the Insurance Holder or driver is under the age of 25 at the Point of Total Loss, the claim will be subject to a £250 excess.
g).	You cannot claim on this Insurance if the driver of Your Vehicle was affected by drugs or alcohol when the accident happened.
h).	To qualify for cover, Your Vehicle must be shown in Glass's Guide. Not all vehicles or their uses are covered. Details can be found in the General Conditions section of this Insurance.
i).	Certain exclusions apply to Your Insurance. Full details can be found in the 'what is not covered' section of this Insurance.
j).	You cannot claim under this Insurance if You have the option to receive a replacement vehicle under the terms of Your Motor Insurance Policy in respect of the Total Loss of Your Vehicle. (The balance of any cover hereunder will be transferred to the replacement vehicle on request).
k).	If You have elected to pay Your premium on a credit funding agreement You must be over 18 years of age at the time of Your Application. Failure to pay any premium instalment will result in the immediate suspension of cover and may result in cancellation. In the event of a claim, We may offset any outstanding premium against Your claim settlement.

1. Cover available for any vehicle listed in Glass's Guide.
2. Cover runs alongside Your finance agreement for up to 60 months.
3. Can pay out up to the original Purchase Price of the Vehicle.
4. Allows You to fulfil Your outstanding Vehicle finance commitment.
5. Available on any finance agreement of £30,000 or less.
   

1. Any claim where the Total Loss is not subject to an indemnity under the accidental damage, fire or theft sections of the Motor Insurance Policy or the first £250 of any claim where the Insurance Holder or driver is under the age of 25 at the Point of Total Loss.
2. Any excess, salvag value or outstanding premium deducted under the Motor Insurance Policy.
3. Any claim where the Total Loss arises as a consequence of war, riot, civil commotion or terrorism.
4. Any claim where the Total Loss is caused by an accident when the driver of Your Vehicle is under the influence of alcohol or drugs not prescribed by a registered medical practitioner or drugs prescribed by a registered medical practitioner in respect of which a warning against driving is given.
5. Any loss of use of Your Vehicle or any consequential loss of any kind.
6. Any claim where the Total Loss occurs outside the Geographical Area.
7. Any claim which is the subject of fraud or dishonesty.
8. Any claim where the loss is covered by any other insurance or warranty.
9. Theft committed by any person who has access to keys of Your Vehicle.
10. Radioactive contamination from ionising radiation or contamination from any nuclear fuel or from any nuclear waste arising from burning nuclear fuel, or the radioactive, toxic, explosive or other dangerous effect of any explosive nuclear equipment or part of that equipment.
11. Any claim where You have the option to receive a replacement vehicle under the terms of Your Motor Insurance Policy in respect of the Total Loss of Your Vehicle.
12. Your Vehicle if it is not shown in Glass’s Guide.
13. Your Vehicle if it is manufactured by Aston Martin, Bentley, Ferrari, Lamborghini, Lotus,
    Maserati, Rolls Royce or TVR.
14. Your Vehicle is used for hire and reward (for example, but not limited to, use as a hackney
    carriage or courier), if it is an Driving instruction vehicle, emergency vehicle, bus, truck,
    heavy goods vehicle, motorcycles, scooters, quad bike, trike, or invalid carriage.
15. Your Vehicle if it is used for road-racing, rallying, pace-making, speed testing, or any other
    competitive event or is driven by any person not holding a valid, current licence to drive
    Your Vehicle.
16. Your Vehicle if it has been modified other than in accordance with the manufacturer's
    specification.
17. Your Vehicle if it is a commercial vehicle over 3,500 kg GVM.