Steam engine insurance

• Model road steam – for steam road vehicles up to 6in scale.

• Portable and restoration steam – for portable engines and road-going engines under restoration.

• Steam car – for steam powered cars.

• Steam traction – for full size steam road vehicles.

• Van lorry and low loader – for commercial vehicles used for social domestic and pleasure purposes only which includes the transportation of models, steam road vehicles, portable engines, vintage tractors and the like.

Please be aware that there are a number of exclusions from this policy, including:

• Any damage caused by wear and tear is not covered.

• Any damaged to any equipment caused by a date change or computer virus.

• Gradual operating cause or any process of cleaning, repair, restoration and re-siting other than costs involved following insured damaged.

• Any costs that are not directly associated with any insured incident.

• Any damage to your own property that you have deliberately caused or allowed to happen.

• Any damaged that occurred before the commencement of cover.

• We have provided a summary of the key features of the policy, above. For full details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Cover is not provided for:

• Any physical property you own that is not recorded on your policy schedule.

• Legal liability arising from you performing any employment, trade, profession or business activities.

• Excesses – this is part of the claim you have to pay.

If you would prefer to spread the cost of your steam engine insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Everywhen, please read our Regulatory Information.