POLICY COVER

• ●You are covered to the extent provided by the policy for physical loss, damage, theft or attempted theft of Own Property (tools, tool boxes, test or demonstration equipment) within Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland whilst loaded upon your vehicle or whilst stored off the vehicle in a Locked Building or a purpose-designed tool store.
• ●In addition we indemnify you for loss or damage to employees' effects for the limit stated within the policy whilst such property is being loaded on, carried on, or unloaded from your vehicle.
• ●We also cover tools and equipment carried on your vehicle or in your customer's premises for demonstration purposes.

SIGNIFICANT AND UNSUAL EXCEPTIONS:

• ●We will not cover Lap-top, palm-top and similar portable computer equipment, mobile telephones, smartphones or mobile communication equipment
• ●We will not cover money, credit, debit or charge cards, lottery tickets, scratch cards or property of a similar nature
• ●We will not cover theft from unattended vehicles unless all windows, doors or other openings are closed and securely locked, all alarms set and all keys removed. If the vehicle is parked overnight you must comply with the parking conditions set out in the policy.
• ● We will not cover theft from a purpose-designed tool store unless the tool store is locked and permanently fixed to the floor.
• ● We will not cover second hand property for scratching or denting unless caused by an accident to the conveying vehicle
• ●We will not cover own property being driven under its own motive power or property being towed on its own wheels
• ●We will not cover own property whilst being dismantled, erected commissioned or tested.

EXCESS

• ●£100 for each and every claim

YOUR RIGHT TO CANCEL

You may cancel this Policy in the first year of insurance during the 14 days after the policy has come into force by giving notice in writing to ARMD at [email protected]. This right does not apply at any subsequent renewal of the Policy.

If a claim has been submitted or there has been any incident likely to give rise to a claim during the period of insurance, no refund for the unexpired portion of the premium will be given.

Provided that there have been no claims or incidents likely to give rise to a claim that have occurred then, during the first 14-days after the policy has come into force, insurers will give a refund of the proportionate part of the premium paid in respect of the unexpired term of this Policy, subject to our £50 inclusive of IPT cancellation charge.

You have no other rights to cancel the policy.