Hello again thanx for info so far. would like to quote the letter I received and then the actual paragraph that letter reffers to:-
We have been informed that you are likely to be prosecuted for ridding under the influence.
pending investigation of the outcome, we are unable to to deal with the repairs/total loss to your vehicle as you have failled to safeguard your vehicle as quoted on page 16 of your policy booklet.Please not that we will deal with any third party claims if presented.Please comfirm outcome of this incedent
Claims negotiator
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This is the text from page 16 :-
GENERAL EXCLUSIONS
Use and Riders
We will not pay for any loss, damage or liability caused in the following circumstances:
While your motorcycle is being used for a purpose not permitted on your Certificate of Insurance.
While your motorcycle is being used in any race, rally, competition, trial or similar motoring event.
While your motorcycle is being ridden or used on any race, rally, test circuit or on any off road course or
ground or for any purpose on a race track or private or public circuit whatsoever.
While your motorcycle is being ridden by you or is in the charge of any person, for the purpose of riding,
who is not permitted to ride as shown on your Certificate of Insurance.
While your motorcycle is being ridden by you or is in the charge of any person, for the purpose of riding,
who is disqualified from driving or does not hold a valid driving licence.
While your motorcycle is being ridden by you or is in the charge of any person, for the purpose of riding,
who holds a provisional or restricted driving licence and is not complying with the terms of the licence.
While your motorcycle is being ridden by, or is in the charge of, for the purpose of riding, any person
without your permission.
(However we do cover use for overhaul, upkeep or repair by any member of the motor trade as long as they are
permitted to ride as shown on the Certificate of Insurance.)
Safety and Security
We will not pay for any loss, damage or liability if:
your motorcycle is in an unsafe, damaged or unroadworthy condition.
you do not have a valid MOT test certificate when the law says you must have one.
your motorcycle is being driven with a load or a number of passengers which is unsafe.
your motorcycle is carrying an insecure load.
We will not pay for any loss or damage to your motorcycle unless you take all reasonable precautions to
safeguard it.
We will not pay for any loss or damage if your motorcycle is not securely locked and the keys removed when it
is unattended.
Other Contracts
We will not pay for any liability you have under an agreement or contract unless you would be liable if the
agreement or contract did not exist.
14
GENERAL EXCLUSIONS continued
War, Earthquakes, Riots, Terrorism
We will not pay for any loss, damage or liability that is directly or indirectly caused by war, invasion, act of
foreign enemy, hostilities (whether war is declared or not), civil unrest, rebellion, revolution, insurrection or
requisition, act of terrorism, riot or similar event, confiscation or nationalisation by any government or other
authority.
We will not pay for any loss, damage or liability directly or indirectly caused by earthquake.
We will not pay for any loss, damage or liability directly or indirectly caused by terrorism. "Terrorism" is as
defined in the Terrorism Act 2000 or the equivalent legislation in any other country.
Nuclear/Radioactive Contamination
We will not pay for loss, damage or liability directly or indirectly caused by:
ionising radiations or contamination by radioactivity from nuclear fuel or nuclear waste.
the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment.
Pollution
We will not pay for any loss, damage or liability caused directly or indirectly by pollution or contamination.
Airport Use
We will not pay for any loss, damage or liability arising while your or any other motorcycle covered by this
insurance is in any place where aircraft take off, land or park including any associated service roads, refuelling
areas, ground equipment areas or the Customs examination areas of international airports.
Sonic Bangs
We will not pay for loss, damage or liability caused directly or indirectly by pressure waves from aircraft or other
aerial devices travelling at sonic or supersonic speeds.
Criminal Acts
We will not pay for any loss, damage or liability caused while your motorcycle is being used by you or any
insured person for any criminal activity.
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[size="4"]Thanx to group for any advice to this.