Now this is interesting (well as interesting as insurance gets!)
My original policy book is worded as:
Not Insured:
Mechanically-propelled or assisted vehicles (except domestic gardening equipment, electric wheelchairs, pedestrian-controlled models and toys), trailers, caravans, watercraft (including surfboards and sailboards), hovercraft, aircraft (other than hand propelled or models) or their accessories or parts.
So quite clearly accessories and parts would not be covered.
However in the last renewal there was the following additional definition:
Motorised Vehicles Any vehicle or toy propelled by a motor of any kind, except for the following whilst being used for their intended purposeand by a person for which they were designed: Domestic Gardening Equipment, Motorised wheelchairs and Mobility Scooters, Electrically powered children's ride on toys, Electrically assisted pedal cycles and pedestrian controlled vehicles.
That definition is indicated as being added to the 'Not insured' section.
So this new 'Motorised Vehicles' definition seems to encompass a lot of those items described in the original text, but not accessories and parts. However what is not clear is whether this new definition supersede's the original text, or is in addition.
This policy is with the nodding dog company.
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