Policy Documents
Policy Wording
All policy wordings are applicable for policies purchased prior the 8th February 2022. For any policies incepted after this date you will find the most up to date versions available in policy documents section of your secure portal. Click here for access.
Car Insurance Policy Documents
If you have trouble accessing your policy documents, or you would like a copy in a different format, please email: talk2us@goskippy.com
Optional Extensions
- £250 Excess Protection
- £500 Excess Protection
- Key Cover
- Misfuelling
- Motor Legal Expenses
- Motor Personal Injury and Accidental Death
- RAC Breakdown Cover At Home & Onward Travel
- RAC Breakdown Cover European Motoring Assistance
- RAC Breakdown Cover Roadside & Recovery
- RAC Roadside Breakdown Cover
- Vehicle Assist
- Windscreen Cover
Policy Providers
Ageas
| Document Title | Applies From | Download |
|---|---|---|
| Ageas - Private Car Insurance - Policy Wording | 01/11/2020 |  |
| Ageas - Private Car Insurance - Policy Wording | 01/07/2020 | |
| Ageas - Private Car Insurance - IPID | 01/09/2018 | |
Aviva
| Document Title | Applies From | Download |
|---|---|---|
| Aviva - Motor Insurance - IPID | 18/11/2021 | |
| Aviva - Motor Insurance - Policy Wording | 01/04/2021 | |
| Aviva - Motor Insurance - Policy Wording | 17/02/2021 | |
| Aviva - Motor Insurance - IPID | 01/04/2019 | |
| Aviva - Motor Insurance - IPID | 14/12/2018 | |
| Aviva - Motor Insurance - Policy Wording | 01/10/2018 | |
Covea
| Document Title | Applies From | Download |
|---|---|---|
| Covea - Comprehensive Cover - IPID | 01/11/2020 | |
| Covea - Third Party Fire and Theft - IPID | 01/11/2020 | |
| Covea - Motor Insurance - Policy Wording | 01/08/2020 | |
| Covea - Comprehensive Cover - IPID | 02/10/2018 | |
| Covea - Motor Insurance - Policy Wording | 02/10/2018 | |
| Covea - Third Party Fire and Theft - IPID | 02/10/2018 | |
ERS
| Document Title | Applies From | Download |
|---|---|---|
| ERS - Private Car Comprehensive Cover - IPID | 01/03/2022 | |
| ERS - Private Car Insurance - Policy Wording | 01/03/2022 | |
| ERS - Private Car Third Party Fire and Theft Cover - IPID | 01/03/2022 | |
| ERS - Private Car Third Party Only Cover - IPID | 01/03/2022 | |
KGM
| Document Title | Applies From | Download |
|---|---|---|
| KGM - Private Car Insurance - Policy Wording | 01/01/2022 | |
| KGM - Private Car Comprehensive Cover - IPID | 01/04/2020 | |
| KGM - Private Car Insurance - Policy Wording | 01/04/2020 | |
| KGM - Private Car Third Party Fire and Theft - IPID | 01/04/2020 | |
| KGM - Private Car Third Party Only - IPID | 01/04/2020 | |
| KGM - Private Car Insurance - Policy Wording | 16/09/2019 | |
| KGM - Private Car Comprehensive Cover - IPID | 01/01/2019 | |
Markerstudy
| Document Title | Applies From | Download |
|---|---|---|
| Markerstudy - Comprehensive Cover - IPID | 01/01/2022 | |
| Markerstudy - Third Party Fire and Theft Cover - IPID | 01/01/2022 | |
| Markerstudy - Third Party Only Cover - IPID | 01/01/2022 | |
| Markerstudy - Comprehensive Cover - IPID | 01/07/2019 | |
| Markerstudy - Third Party Fire and Theft Cover - IPID | 01/07/2019 | |
| Markerstudy - Third Party Only Cover - IPID | 01/07/2019 | |
| Markerstudy - Private Car Insurance - Policy Wording | 01/04/2019 | |
Sabre
| Document Title | Applies From | Download |
|---|---|---|
| Sabre - Motor Insurance - Policy Wording | 01/03/2022 | |
| Sabre - Comprehensive Insurance - IPID | 01/03/2021 | |
| Sabre - Motor Insurance - Policy Wording | 01/03/2021 | |
| Sabre - Third Party Fire and Theft Insurance - IPID | 01/03/2021 | |
| Sabre - Third Party Only Insurance - IPID | 01/03/2021 | |
| Sabre - Comprehensive Insurance - IPID | 01/03/2019 | |
| Sabre - Motor Insurance - Policy Wording | 01/03/2019 | |
| Sabre - Third Party Fire and Theft Insurance - IPID | 01/03/2019 | |
| Sabre - Third Party Only Insurance - IPID | 01/03/2019 | |
Southern Rock
| Document Title | Applies From | Download |
|---|---|---|
| Southern Rock - Comprehensive Cover - IPID | 04/05/2020 | |
| Southern Rock - Private Car Insurance - Key Facts | 04/05/2020 | |
| Southern Rock - Private Car Insurance - Policy Wording | 04/05/2020 | |
| Southern Rock - Third Party Fire and Theft - IPID | 04/05/2020 | |
| Southern Rock - Third Party Only - IPID | 04/05/2020 | |
| Southern Rock - Comprehensive Cover - IPID | 11/12/2019 | |
| Southern Rock - Third Party Fire and Theft - IPID | 11/12/2019 | |
| Southern Rock - Third Party Only - IPID | 11/12/2019 | |
| Southern Rock - Private Car Insurance - Policy Wording | 01/07/2019 | |
Watford
| Document Title | Applies From | Download |
|---|---|---|
| Watford - Comprehensive EV Cover - IPID | 01/02/2023 | |
| Watford - Comprehensive Essentials Cover - IPID | 01/02/2023 | |
| Watford - Comprehensive Premier Cover - IPID | 01/02/2023 | |
| Watford - Comprehensive Roadside Cover - IPID | 01/02/2023 | |
| Watford - Comprehensive Standard Cover - IPID | 01/02/2023 | |
| Watford - Comprehensive EV Cover - IPID | 10/01/2023 | |
| Watford - Comprehensive Essentials Cover - IPID | 10/01/2023 | |
| Watford - Comprehensive Premier Cover - IPID | 10/01/2023 | |
| Watford - Comprehensive Roadside Cover - IPID | 10/01/2023 | |
| Watford - Comprehensive Standard Cover - IPID | 10/01/2023 | |
| Watford - Comprehensive Cover - IPID | 01/09/2021 | |
| Watford - Private Car Insurance - Policy Wording | 01/09/2021 | |
| Watford - Third Party Fire and Theft - IPID | 01/09/2021 | |
| Watford - Third Party Only - IPID | 01/09/2021 | |
| Watford - Comprehensive Cover - IPID | 05/01/2021 | |
| Watford - Private Car Insurance - Key Facts | 05/01/2021 | |
| Watford - Private Car Insurance - Policy Wording | 05/01/2021 | |
| Watford - Third Party Fire and Theft - IPID | 05/01/2021 | |
| Watford - Third Party Only - IPID | 05/01/2021 | |
| Watford - Comprehensive Cover - IPID | 01/07/2020 | |
| Watford - Private Car Insurance - Policy Wording | 01/07/2020 | |
| Watford - Third Party Fire and Theft - IPID | 01/07/2020 | |
| Watford - Third Party Only - IPID | 01/07/2020 | |
| Watford - Comprehensive Cover - IPID | 04/05/2020 | |
| Watford - Private Car Insurance - Key Facts | 04/05/2020 | |
| Watford - Private Car Insurance - Policy Wording | 04/05/2020 | |
| Watford - Third Party Fire and Theft - IPID | 04/05/2020 | |
| Watford - Comprehensive Cover - IPID | 11/12/2019 | |
| Watford - Third Party Fire and Theft - IPID | 11/12/2019 | |
| Watford - Private Car Insurance - Policy Wording | 01/07/2019 | |
XS Direct
| Document Title | Applies From | Download |
|---|---|---|
| XS Direct - Motor Insurance - Policy Wording | 01/01/2022 | |
| XS Direct - Motor Insurance - IPID | 01/01/2021 | |
| XS Direct - Motor Insurance - Policy Wording | 01/01/2021 | |
| XS Direct - Motor Insurance - Policy Wording | 01/11/2018 | |
| XS Direct - Motor Insurance - IPID | 01/10/2018 | |
Optional Extensions
£250 Excess Protection
| Document Title | Applies From | Download |
|---|---|---|
| £250 Excess Protection - Policy Wording | 01/10/2020 | |
| £250 Excess Protection - IPID | 01/10/2018 | |
£500 Excess Protection
| Document Title | Applies From | Download |
|---|---|---|
| £500 Excess Protection - Policy Wording | 01/10/2020 | |
| £500 Excess Protection - IPID | 01/10/2018 | |
Key Cover
| Document Title | Applies From | Download |
|---|---|---|
| Key Cover - Policy Wording | 01/12/2021 | |
| Key Cover - IPID | 01/10/2020 | |
Misfuelling
| Document Title | Applies From | Download |
|---|---|---|
| Misfuelling - IPID | 01/10/2018 | |
| Misfuelling - Policy Wording | 01/05/2018 | |
Motor Legal Expenses
| Document Title | Applies From | Download |
|---|---|---|
| Motor Legal Expenses - IPID | 04/05/2021 | |
| Motor Legal Expenses - Policy Wording | 04/05/2021 | |
Motor Personal Injury and Accidental Death
| Document Title | Applies From | Download |
|---|---|---|
| Motor Personal Injury and Accidental Death - IPID | 01/09/2019 | |
| Motor Personal Injury and Accidental Death - Policy Wording | 01/09/2019 | |
RAC Breakdown Cover At Home & Onward Travel
| Document Title | Applies From | Download |
|---|---|---|
| RAC Breakdown Cover At Home & Onward Travel - IPID | 01/07/2020 | |
| RAC Breakdown Cover At Home & Onward Travel - Policy Wording | 01/07/2020 | |
| RAC Breakdown Cover At Home & Onward Travel - IPID | 26/03/2019 | |
| RAC Breakdown Cover At Home & Onward Travel - Policy Wording | 26/03/2019 | |
RAC Breakdown Cover European Motoring Assistance
| Document Title | Applies From | Download |
|---|---|---|
| RAC Breakdown Cover European Motoring Assistance - IPID | 01/07/2020 | |
| RAC Breakdown Cover European Motoring Assistance - Policy Wording | 01/07/2020 | |
| RAC Breakdown Cover European Motoring Assistance - IPID | 26/03/2019 | |
| RAC Breakdown Cover European Motoring Assistance - Policy Wording | 26/03/2019 | |
RAC Breakdown Cover Roadside & Recovery
| Document Title | Applies From | Download |
|---|---|---|
| RAC Breakdown Cover Roadside & Recovery - IPID | 01/07/2020 | |
| RAC Breakdown Cover Roadside & Recovery - Policy Wording | 01/07/2020 | |
| RAC Breakdown Cover Roadside & Recovery - IPID | 26/03/2019 | |
| RAC Breakdown Cover Roadside & Recovery - Policy Wording | 26/03/2019 | |
RAC Roadside Breakdown Cover
| Document Title | Applies From | Download |
|---|---|---|
| RAC Roadside Breakdown Cover - IPID | 01/07/2020 | |
| RAC Roadside Breakdown Cover - Policy Wording | 01/07/2020 | |
| RAC Roadside Breakdown Cover - Policy Wording | 26/03/2019 | |
| RAC Roadside Breakdown Cover - IPID | 01/10/2018 | |
Vehicle Assist
| Document Title | Applies From | Download |
|---|---|---|
| Vehicle Assist - Policy Wording | 01/12/2020 | |
| Vehicle Assist - IPID | 31/08/2020 | |
| Vehicle Assist - IPID | 14/01/2019 | |
| Vehicle Assist - Policy Wording | 14/01/2019 | |
Windscreen Cover
| Document Title | Applies From | Download |
|---|---|---|
| Windscreen Cover - Policy Wording | 01/10/2020 | |
| Windscreen Cover - IPID | 01/10/2018 | |
Specialist Vehicles
Highway
| Document Title | Applies From | Download |
|---|---|---|
| Highway - Campervan and Motorhome Insurance - Policy Wording | 01/06/2018 | |
KGM
| Document Title | Applies From | Download |
|---|---|---|
| KGM - Campervan and Motorhome Insurance - Policy Wording | 01/06/2018 | |
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