car warranty insurance uk

"A Warranty Without Weasel Words" Warrantywise the UK's Best Used Car Warranty sales: email: claims: email: web: 0800 169 7880 info@warrantywise.co.uk 0845 293 2570 claims@warrantywise.co.uk warrantywise.co.uk Policy Document Warrantywise is Authorised and Regulated by the Financial Services Authority. Warrantywise the UK's Best Used Car Warranty Warrantywise is a trade mark of Warranty Wise Insurance Services. All covers underwritten at Lloyd’s of London and subject to limitations, terms and conditions; available from Warrantywise and at www.warrantywise.co.uk. Any figures quoted are including VAT and/or IPT at the appropriate rate. The ‘UK’s Best Car Warranty’ is an opinion held by Quentin Willson. Pictures and diagrams for illustration only. "A Warranty Without Weasel Words" Warrantywise the UK's Best Used Car Warranty Designing the UK’s Best Used Car Warranty has been quite a challenge. For years I have been saying that used car warranties aren’t worth the paper they’re printed on, well here’s my chance to change all that... Quentin Willson Contents Key Facts 3-4 5 5 9 10 11 12 14 16 18 Policy Document What is Insured Policy Additions Out of Pocket Expenses Servicing Your Vehicle How to Make a Claim General Conditions What this Insurance does NOT cover Definitions Important Information 1 "A Warranty Without Weasel Words" 2 These are the Key Facts that the Financial Services Authority (FSA) who regulate the insurance industry, requires that we bring to your attention. SIGNIFICANT FEATURES AND BENEFITS These facts are not the full terms and conditions, they are in the remainder of this policy – but are a way in which you can compare insurances quickly from one company to another and decide if our services are right for you – they should provide an accurate summary but do not form any part of this contract of insurance. Cover is available for ‘all’ mechanical and ‘all’ electrical parts of your vehicle (there’s no list of parts). Repairs at any VAT registered garage, including your local garage or main dealer. Car hire, recovery, hotel and travel expenses are included together with 90 days European cover. No ‘Weasel Words’ (Quentin Willson’s phrase). We don’t insist on any Excess or exclude claims for Betterment, Consequential Damage or for failure due to Wear & Tear. SIGNIFICANT REQUIREMENTS Your vehicle must have at least 3 months MOT remaining at the policy start date and must be serviced by a VAT registered garage as recommended by the manufacturer during the policy period. SIGNIFICANT EXCLUSIONS AND LIMITATIONS Warrantywise aim to provide you with the highest level of cover, however there are some things this insurance may not provide. Importantly these Exclusions and Limitations are: • Damage to bodywork, paintwork, windscreen, interior and exterior trim including carpets and seat coverings etc. • Any consumable items replaced during the recommended servicing of your vehicle such as: spark plugs, oils, fluids, filters, wiper blades, fan belts, bulbs, brake pads and brake shoes (unless required in order to complete a valid claim). • Parts that have not suffered a failure. • The failure of parts due to wear & tear where our additional cover against wear & tear has not been included. • Faults which were present with the vehicle prior to the policy start date. • Faults caused due to a lack of correct servicing, neglect or accidental damage. • Claims in excess of the retail value of your vehicle. CANCELLATION BY YOU If having applied to Warrantywise you decide that you do not want this insurance, simply return the policy, proposal and schedule to us together with your request in writing (by Special or Recorded Delivery to ensure we receive it) within 30 days of the policy start date and providing we have not authorised any claims, all cover will be cancelled and your premium refunded in full without any deductions. You can cancel outside of this period at any time provided you have not made or attempted to make any claim, then the remaining balance of your premium will be refunded less our cancellation fee. In all other cases or where you are paying your premiums monthly, cancellation is without return of any premium. CANCELLATION BY US We reserve the right to cancel your policy immediately if; (i) your vehicle is declared an insurance category write-off or (ii) if your vehicle is stolen or (iii) if you transfer ownership of your vehicle without initiating a policy transfer (within our policy transfer conditions) or (iv) if you change your address to outside of the United Kingdom (v) if you fail to maintain or service your vehicle as recommended by the vehicle manufacturer (within our policy conditions) or (vi) if you have made any false declaration to us in order to obtain this insurance or in order to satisfy our claim conditions; in all cases by sending you notice in writing (by Special or Recorded Delivery) to you and by refunding you the balance of any remaining premium after the deduction of our cancelation fee. OUR ACCEPTANCE Once we have received your signed proposal we will issue you with a policy schedule, this confirms our acceptance of your policy on risk. The insurers reserve the right not to accept your proposal and to cancel your insurance forthwith without the issue of a policy schedule and to return to you any premiums paid without any deduction. HOW LONG COVER LASTS Your cover will commence on the policy start date and will continue for the period of insurance confirmed in the policy schedule up to a maximum of three years. HOW TO RENEW We will write to you on or before the date of expiry of your policy advising whether or not the insurers will offer you beneficial renewal terms. HOW YOU CAN MAKE A CLAIM If you need to make a claim simply ring our claims office on: 0845 293 2570 and follow the claims procedure outlined within the policy. THE INSURERS We only offer insurances underwritten 100% by Cassidy Davis - Lloyd’s Syndicate 5820 at Lloyd’s of London. ADVICE Warrantywise operate a non-advisory service and do not recommend any particular policy of insurance or any policy addition or course of action to you. FEES We will not charge you any fee for providing you with details or information about the insurances we offer. HOW TO CONTACT US AND HOW TO MAKE A COMPLAINT 1 Firstly, if you have any questions please contact Warrantywise by telephoning 0800 169 7880 (or) if you have a complaint by writing to the Customer Services Manager, Warrantywise Insurance Services at Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG. 2 Secondly, if you are still not completely satisfied you can write to the Lloyd’s Syndicate Underwriter at: Complaints Department, Cassidy Davis, Fourth Floor, 50 Fenchurch Street, London, EC3M 3JY. 3 Then, if, for any reason your complaint has not been addressed to your complete satisfaction you can write to: Policyholder and Market Assistance, Lloyd’s Market Services, Lloyd’s of London, One Lime Street, London EC3M 7HA. 4 Lastly, should you still remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your complaint. The right to apply to the Ombudsman must be exercised within six months of the date of any previous decision. Please write to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. 5 At any time you can contact Quentin Willson via email at: quentinwillson@warrantywise.co.uk WHO REGULATES US Warrantywise operate insurance services as a Coverholder at Lloyd’s of London and are authorised and regulated by the Financial Services Authority (FSA). Our FSA registered number is 300482. You can check the FSA Register at www.fsa.gov.uk/register or by telephoning the FSA on 0845 606 1234. FINANCIAL SERVICES COMPENSATION SCHEME You are protected under the Financial Services Compensation Scheme. If the insurers become insolvent or are unable to meet their obligations, the scheme will cover 100% of your insured benefits up to £2,000 and 90% of the remainder of any claim, without any upper limit. YOUR DEMANDS AND NEEDS It is important that you read our Information leaflet or booklet (supplied with your quotation) or the details provided on our website at: www.warrantywise.co.uk and read the policy document and then make your own choice of insurance together with any policy options or additions that you may require as a vehicle owner who demands to ensure that your vehicle warranty needs are fully met, both now and in the foreseeable future in line with the period of cover available and extent of insurance available from Warrantywise. WARRANTYWISE – THE UK’S BEST USED CAR WARRANTY? This warranty is offered by Warranty Wise Insurance Services. Quentin Willson, who has been instrumental in its design, believes it to be the UK’s Best Used Car Warranty. It will pay towards the costs of parts and labour garage repairs following a failure of an insured part of your vehicle. Provided the appropriate premium has been paid this insurance may be extended to include other applicable benefits (policy additions) details of which are to be found within the policy and at www.warrantywise.co.uk 3 4 What is Insured This Insurance will pay towards the Repair Cost following a Failure of Your Vehicle, within the Geographical Limits, during the Period of Insurance, subject to the Conditions and Exclusions herein. PARTS COVERED This insurance is designed to enable you to cover all mechanical and all electrical Parts of Your Vehicle. For Your convenience We have broken down a vehicle's Parts into named Assemblies, some of which are optional and which You may choose to exclude in order to better suit Your needs. All Parts of the following selected Assemblies are included... Included in all Policies • • • • • Engine. Gearbox and Transmission. Clutch. Drive Train. Running Gear. • Air Conditioning System. • Electrical Systems and Instruments. • Oil Seals and Gaskets (Engine and Gearbox). ...all Parts, integral and attached to each of the above Assemblies and Parts directly associated with each Assembly's function are also included. IMPORTANT You may choose to exclude one or more of the Optional Assemblies listed above (please see Your Policy Schedule for details of those that are covered). ALSO INCLUDED Consequential Damage to Parts. Where the failure of a part, not included within the Level of Cover, causes the Failure of a Part which is included within the Level of Cover. Parts Replaced in Pairs. This insurance also covers the following Parts, recommended by the manufacturer to be replaced in pairs as good engineering practice, when only one Part has suffered a Failure (for example) brake discs, brake drums, road springs, shock absorbers. Claim Limit: You are Indemnified against reasonable Repair Costs up to the Single Claim Limit and within the Sum Insured (including VAT). Excess: There is no main Policy Excess but if You have decided to include a voluntary excess with Your Policy this will be shown in Your Policy Schedule together with Your reduced premium. Exclusions: Any Part of any Optional Assembly (above) or Policy Additions (following pages) will be excluded from the Level of Cover unless You have selected that particular Optional Assembly or Policy Addition as a part of Your Policy and You have paid the appropriate additional premium (see Your Policy Schedule for inclusion). Note: For a full list of exclusions please see: What this Insurance Does NOT cover. RADIO, CD/DVD and SATELLITE NAVIGATION 10. TYRES WHAT IS INSURED If You have selected one or more of the following Policy Additions (if available as a part of Your Policy) and You have paid the additional premium (see Your Policy Schedule for inclusion) You will be entitled to the additional cover, subject to the Conditions as set out herein. IMPORTANT You can choose to include any of the applicable Policy Additions after the Policy Start Date at any time within the first 30 days of this Policy, however no claims will be authorised against such Policy Additions during the first 30 days or 1,000 miles after such inclusion, whichever occurs first. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 1. AIR BAG SYSTEM WHAT IS INSURED This Policy Addition covers You against the Repair Cost of any Part of the Vehicle's air bag system due to the Failure of a Part causing the activation of the air bag warning system where a Part of the air bag system is found to be no longer serviceable using diagnostic 9. equipment and/or diagnostic techniques recommended by the Vehicle manufacturer. Claim Limit: This Policy Addition is subject to a claims limit of £500, including VAT, per claim (or any other amount specifically noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: This Policy Addition does not provide for the replacement of any Part of the air bag system where replacement is necessary due to impact, shock, accidental damage or the replacement of the air bag itself nor the air bag detonator unit or under any circumstances where deployment of the air bag has previously taken place. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 2. ALLOY WHEELS WHAT IS INSURED This Policy Addition covers You against the cost of repairing or replacing Alloy Wheels that have suffered accidental rim damage (kerbed) including the reasonable costs of fitting and balancing of the wheel during normal everyday on the road driving, rendering the wheel un-roadworthy. IMPORTANT We reserve the right to specify the use of a similar (like for like) replacement wheel with regard to the make and specification of Your wheel(s) before the damage. Photographic evidence may be required in support of a claim. Any suspected criminal damage to wheels should be reported to the police (within 48 hours) and a Police Crime Reference number obtained which will be required before any valid claim can be authorised. Claim Limit: This Policy Addition is subject to a claim limit of £1,000, including VAT, at the maximum rate of £250 per alloy wheel, including VAT (or any other amount specifically noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: Space saver wheels. Wheels damaged due to off-road use, racing or rallying or wheels which are corroded or porous, damage to stud holes and cosmetic damage. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 3. CATALYTIC CONVERTER WHAT IS INSURED This Policy Addition covers You against the cost of repairing or replacing the Vehicle's catalytic converter, following the exhaust gas failing to meet the relevant in-service manufacturer's emissions standards or MOT emissions test, subject to: (a) The catalytic converter being found to be no longer serviceable using diagnostic equipment and/or diagnostic techniques as recommended by the Vehicle manufacturer or Vehicle Inspectorate. (b) The results of the failed test being made available to Our claims department before authorisation is requested. (c) The results print out from a successful test following the replacement is submitted to the claims department with the repair invoice. Claim Limit: This Policy Addition is subject to a claims limit of £500 per claim, including VAT (or any other amount specifically noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Schedule. Exclusions: Accidental damage to, or corrosion of the catalyst. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 4. FAILURE DUE TO WEAR & TEAR WHAT IS INSURED This Policy Addition covers You against Repair Costs where Failure occurs due, solely or in part, to Wear and Tear on any Part or Parts within the scope of this Policy. Claim Limit: This Policy Addition is subject to the Single Claim Limit. Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: The cover does not extend to Worn Parts which have not suffered a Failure. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 5. INCORRECT FUELLING WHAT IS INSURED This Policy Addition covers You against the reasonable cost of: (a) emptying, flushing, cleaning out and/or unblocking of Your Vehicle's: fuel tank, fuel lines, filters, lift pump, accumulator, regulator and fuel return system, including the disposing of wasted contaminated fuel, Policy Additions In order to enhance the cover provided and maintain the claim that this is the UK's Best Used Car Warranty, We have made available the following Policy Additions. 1. 2. 3. 4. 5. 6. 7. 8. AIR BAG SYSTEM ALLOY WHEELS CATALYTIC CONVERTER FAILURE DUE TO WEAR AND TEAR INCORRECT FUELLING KEYS and LOCKS LABOUR RATES MOT FAILURE Optional (see Policy Schedule for inclusion) • • • • Steering and Suspension. Braking System. Fuel System Cooling and Heating System. 5 6 (b) cleaning, repairing or replacing of Your Vehicle's injector pump and/or injectors, due to You filling Your Vehicle's fuel tank with incorrect fuel. Claim Limit: This Policy Addition is subject to a claims limit of £500, including VAT (or any higher or lower amount noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: This insurance does not extend to include the repair or replacement cost of any other Part(s) damaged by using incorrect fuel nor does it include the cost of disposed fuel or the cost of re-fuelling. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 6. KEYS AND LOCKS WHAT IS INSURED This Policy Addition covers You against the reasonable cost of repairing or replacing Your Vehicle's ignition and door keys or locks that have suffered a Failure, been lost or stolen or suffered criminal damage. IMPORTANT Any suspected theft or criminal damage should be reported to the police (within 48 hours) and a Police Crime Reference number obtained which will be required before any valid claim can be authorised. Photographic evidence may be required in support of a criminal damage claim. Claims Limit: This Policy Addition is subject to a claim limit of £500, including VAT (or any higher or lower amount noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: This cover does not extend to include any Part of the central (or automatic) locking system or alarm mechanism and also excludes the replacement of any key fob batteries. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 7. LABOUR RATES WHAT IS INSURED This Policy Addition covers You against the charges for a Repairer's hourly Labour, in excess of the minimum £35.00 per hour, including VAT, up to the Labour rate selected by You as shown on Your Policy Schedule. IMPORTANT In the event of a valid claim being authorised, unless You have purchased this Policy Addition, this insurance will pay towards the cost of a Repairer's Labour at the basic rate of £35.00 per hour, including VAT. Note: It is important that You consider carefully the adequacy of the hourly Labour rate that You may have decided to include within Your Policy as We will not pay any more than the rate selected, including VAT. If a Repairer charges a higher rate than the level You have selected You will be responsible for the difference. Claim Limit: Single Claim Limit. Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: For a full list of exclusions please see: What this Insurance Does NOT cover. 8. MOT FAILURE WHAT IS INSURED This Policy Addition covers You against the Repair Cost of insured Parts that have failed a VOSA annual MOT test. Claim Limit: This Policy Addition is subject to a claims limit of £750, including VAT (or any higher or lower amount noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Number of Valid Claims Allowed: One valid claim is allowed in any period of 12 months. PARTS COVERED The following Parts are covered should they require repairing or replacing during the Period of Insurance in order for a VOSA MOT Certificate (VT20) to be issued. The failed Parts must be noted on the VOSA MOT fail certificate (VT30) which must be produced to support a valid claim. Only the Parts listed under the following headings as specified on the VOSA MOT Test Schedule are included, any item not specifically mentioned is not insured. LIGHTING EQUIPMENT All lighting equipment listed within the VOSA MOT Test Schedule, but excluding cracked or broken glass or plastic lenses, bulb replacement and headlight beam aim. STEERING AND SUSPENSION All steering and suspension parts listed within the VOSA MOT Test Schedule, but excluding wheel alignment. BRAKES All braking components listed within the VOSA MOT Test Schedule, but excluding brake pads and shoes. SEATBELTS All seatbelt components listed within the VOSA MOT Schedule, but excluding cut or chewed straps and webbing. 5. GENERAL All General items listed within the VOSA MOT Schedule. Exclusions: We will not pay for any costs caused by, arising from, or in connection with the following: 1. Any of your out of pocket expenses, including: Car Hire, Recovery, Hotel or Travel expenses during any period Your Vehicle is off the road and undergoing MOT Failure repairs. Any claim made within 90 days of the Policy Start Date or more than 30 days before or 30 days after the MOT due date notified on Your Policy Schedule. The cost of the MOT test or the cost of any re-test and Labour and Parts necessitated by failing a re-test. Any claim where the fault, causing the need for repair, was evident prior to the expiry of the manufacturer's warranty period, where the insured Part is subject to a manufacturer's recall campaign; inherent manufacturer's design fault or the problem was in existence prior to the sale of the MOT Policy Addition or any other defect previously reported to Us. Vehicles which are: modified in any way from the manufacturer's original specification, or include any experimental equipment whether or not supplied by the manufacturer, owned temporarily or otherwise (resulting from tradein or acquisition for the purposes of resale) by a car dealer, lease company or business formed for the purposes of servicing motor Vehicles or used at any time for commerce, hire or reward, or in any sort of rally, racing or any kind of competition or trial, commercial driving or tuition. Any Vehicle over 9 years of age or with higher than 90,000 recorded miles at the date of claim. Any other repair work necessitated in order to pass an MOT test such as: corrosion of bodywork or chassis; fire, frost, impact or accident, including road traffic accident; windscreen defects which may block the driver's view of the road and glazing generally; exhaust system, catalyst and emissions (unless included under the Catalytic Converter Policy Addition); general vehicle condition; cracked or broken mirror glass, fuel leaks, registration plates and VIN numbers together with any serviceable items such as wiper blades etc; loss, damage or liability which is claimable under any other existing insurance, warranty or guarantee; misuse or any kind of act or omission which is wilful, unlawful or negligent. 8. VAT where You are VAT registered or where Your Vehicle is registered with DVLA to a VAT registered business. Any costs incurred in excess or outside of the liability under this Policy Option. It is Your responsibility to meet any dealer or Repairer charges in excess of, or rejected as not being Our liability under this insurance. 9. RADIO, CD/DVD PLAYER, SATELLITE NAVIGATION WHAT IS INSURED This Policy Addition covers You against the Repair Costs due to the Failure of the Radio or CD/DVD player or Satellite Navigation equipment provided that the items were fitted to Your Vehicle by the Vehicle manufacturer as original equipment. Claim Limit: This Policy Addition is subject to a claims limit of £1,000, including VAT (or any other amount specifically noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Exclusions: Software faults or upgrades, aerials. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 10. TYRES WHAT IS INSURED This Policy Addition is designed to pay for the cost of a tyre (or tyres) that have incurred accidental sidewall or tread face damage (including punctures) rendering the tyre unroadworthy. 9. 2. 6. 3. 7. 10. Any advisory faults or parts noted on the Advisory Notice accompanying a VOSA VT20 MOT Certificate. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. 4. 7 8 The cost of a tyre repair is: the reasonable cost of repair materials, including the cost of a new valve, puncture patch if necessary; plus the reasonable cost of Labour to repair fit and balance the repaired tyre. The cost of a tyre is: the reasonable cost of an original tyre of similar make and quality as the damaged tyre, including the cost of a new valve (but excluding pressure sensing valves) if necessary; and the reasonable cost of Labour to fit and balance the new tyre. Claim Limit: This Policy Addition is subject to a claim limit of £1,000, including VAT, at the maximum rate of £250 per tyre, including VAT, during the Period of Insurance (or any other amount specifically noted on Your Policy Schedule). Excess: Nil, unless You have selected a voluntary excess which will be shown on Your Policy Schedule. Replacement of damaged, worn tyres: Tyres have typically between 6mm and 8mm of tread depth when new. The legal minimum tread depth of the main grooves of car (and similar tyres) in the United Kingdom and the European Community is 1.6 mm, this applies across the central three quarters of the breadth of tread and round the entire outer circumference of the tyre. You are required to pay a contribution towards the cost of tyre repair or replacement depending upon the extent of tyre wear as follows: Between 1.6 mm and 2.0 mm of usable tyre tread depth remaining, Your contribution = 70% Between 2.0 mm and 3.0 mm of usable tyre tread depth remaining, Your contribution = 50% Between 3.0 mm and 4.0 mm of usable tyre tread depth remaining, Your contribution = 30% Exclusions: The following are specifically excluded from the cover: Worn tyres (generally) which have not suffered from accidental sidewall or tread face damage and/or which have subsequently failed the MOT Test; tyres damaged due to; being driven under-inflated, used off-road, in competition, on track days, pacemaking, racing or rallying, damaged by police stingers, damage due to road traffic accident, spare tyres (not on the Vehicle) including space saver tyres and pressure sensing valves. IMPORTANT: (a) Tread depth is the smallest measurement at any point around the tyre circumference. The contribution applies to all valid claims made against the insurance. The insurance does not extend to worn out tyres which have not suffered damage nor tyres with less than the legally required depth of tread remaining. (b) We reserve the right to specify the use of similar (like for like) replacement tyres with regard to the make and specification of Your tyre(s) before the damage. We shall continue to provide cover on the repaired or replaced tyre following a valid claim. (c) Any suspected criminal damage to tyres should be reported to the police (within 48 hours) and a Police Crime Reference number obtained which will be required before any valid claim can be authorised. Photographic evidence may be required in support of a claim. Note: For a full list of exclusions please see: What this Insurance Does NOT cover. Out of pocket expenses - included Should a valid claim be authorised for any Part under the terms of this Policy, the insurance will pay towards the following associated costs and expenses. REPLACEMENT CAR HIRE UP TO £250 You can claim up to £50 a day, including VAT, towards the cost of a replacement vehicle whilst Your Own Vehicle is being repaired. You are responsible for the first 24 hours that You cannot use Your Vehicle. After this period You can claim for a replacement vehicle for up to 5 days and a maximum of £250, including VAT. IMPORTANT We will only be liable for car hire during the reasonable period Your Vehicle is off the road and undergoing authorised repairs and only at the rate You have been charged within the above limits. Exclusions: We will not be liable for any replacement car hire charges in respect of; fuel or insurance, any lack of availability of the correct Parts, any delay Your Repairer may have in commencing repairs or any delay You may have in finding a suitable Repairer. Note: You must obtain appropriate receipts and a hire agreement from a VAT registered car hire firm (proof required). VEHICLE RECOVERY CHARGES UP TO £200 If Your Vehicle needs to be recovered, You can claim up to £200 per claim, including VAT. IMPORTANT This only applies if You have stated to Us that You are not covered by any other recovery service. Note: You must obtain appropriate receipts from a VAT registered recovery operator (proof required). OVERNIGHT HOTEL EXPENSES OR ONWARD TRAVEL UP TO £150 If You are left stranded without Your Vehicle, more than 10 miles away from Your home, You can claim up to £150 per claim, including VAT, towards the overnight expense of a hotel room (less subsistence) or onward travel costs by railway, bus or taxi for one person. Note: You must obtain appropriate receipts from a VAT registered hotel, railway, bus or taxi firm (proof required). USING YOUR VEHICLE ABROAD This insurance is also valid whilst Your Vehicle is outside the United Kingdom for up to 90 days per annum provided You accept the following: The Failure and repair must be in a country that is a current member of the European Union (EU). This insurance will not pay more than the Labour rate quoted on Your Policy Schedule or the equivalent United Kingdom manufacturer's list prices for Parts at the date of any valid claim and subject to the Sum Insured. You will have to pay the Repairer and We will pay You in Pounds Sterling at the Sterling rate of exchange prevailing at the date of Failure, upon receipt of a VAT registered Repairers invoice. No work should be completed without Our prior authorisation unless under the Emergency Repairs provision within General Conditions. Note: You must retain copies of all related VAT receipts, agreements and booking forms showing precise details of the service provided and date, as they will be required to validate any claim (proof required). IMPORTANT If You believe You are likely to incur any of the above expenses You should notify Us at Your earliest opportunity as we cannot make such additions after a claim has been validated. Servicing your Vehicle You are required to ensure the correct servicing of Your Vehicle during the Period of Insurance: (a) at Your own cost and expense, (b) using only a VAT registered garage or franchised main dealer, (c) by following the manufacturers recommended service schedule and intervals. IMPORTANT We expect that all the following service items (when and where appropriate) will have been replaced: Lubricants, fluids, filters, coolant, refrigerant, sparking plugs, heater plugs, fan belts, timing belts and tensioners. In particular We would draw Your attention to the servicing of camshaft belts and tensioners which can fail and cause serious engine damage which would not be covered without proof of service. TIME PERIOD - WHEN YOUR VEHICLE IS DUE FOR SERVICING You are allowed 1,000 miles either side of the service mileage or 30 days either side of the time period, as recommended by Your Vehicle manufacturer (whichever comes first) without any further allowance. PROOF OF SERVICING - REQUIRED TO SUPPORT ANY CLAIM YOU MAKE Servicing at a Franchised Main Dealer: If Your Vehicle has full main dealer service history and Your Repairer is from the same main dealer network then we will accept the main dealer's confirmation as proof of service (or) if You have the details of when the last appropriate service was carried out, such as a correctly completed and stamped entry in Your Vehicle's service book, also by a franchised main dealer, then that will suffice. Servicing at any VAT Registered Garage: If Your vehicle service book contains a stamped entry by any other VAT registered garage then We will require to see a dated and detailed service VAT receipt and/or service schedule (in either case) showing exactly which service items were replaced and attended to, as proof of the last service in question. SERVICE PARTS This Policy will not pay for the cost of any routine replacement of any service Parts unless such Parts are required in order to complete repairs under a valid claim. If Your vehicle is within 30 days or 1,000 miles of its 9 10 next service You may be required to contribute towards the cost of such service Parts. NOTE Any failure to maintain and provide proof that the above servicing has been completed correctly, as recommended by the Vehicle manufacturer, may result in Us declining any claim You make and invalidate this insurance Policy and under such circumstances We reserve the right to cancel this Policy. (a) The full warranty Policy number (found on the Proposal Form and Policy Schedule). (b) Your Vehicle registration number and Your name and address (when requested). (c) The date and mileage that You believe that the insured Part(s) failed. (d) A detailed Parts and Labour estimate of the Repair(s) Cost. (e) Details of the last appropriate service (proof required). We will then issue You with a claim form and the Repairer with a repair assessment form. Please ensure that the Repairer does the following: Completes and returns the repair assessment form. Obtains authorisation to carry out repairs and makes a note of the Claim Number issued by the Claims Department. Carries out the repair and sends their VAT invoice, Claim Number and copies of any VAT service receipts (if applicable) to: Warrantywise, Claims Dept, Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham BB12 7NG, or provides You with copies if You are making the claim Yourself. Your Repairer must not carry out any repairs without first obtaining authorisation and not without Us issuing a Claim Number, otherwise We may decline Your claim. IMPORTANT 1. You should stop driving Your Vehicle immediately if You become aware that there is a dashboard warning light showing a fault where You should stop or any other indication such as an unusual vibration or noise, leaking water, oil or steam. 2. If You believe that the fault may become the subject of a claim under the terms of this insurance (even if You are not sure) You should report the fault as soon as practicable and in any case within 7 days. Any failure to notify Us about any fault within 7 days may result in any future claim being rejected. No repair work should be started before We have approved it and issued a Claim Number. Should You decide to give permission to the Repairer to commence work, without a Claim Number being obtained, You do so in the full knowledge that We reserve the right not to meet Your claim because You have denied Us Our right under this Policy to inspect the Vehicle and any insured Part prior to its repair or replacement. 4. How to Make a Claim This section sets out (in order) what You should do if You need to claim. Telephone Our Claims Department on 0845 293 2570 to initiate Your claim, then take Your Vehicle (if safely drivable) to a VAT registered Repairer of Your own choice (if using a main dealer check to see if the cover You have selected will meet the main dealer Labour costs specified). You, or Your Repairer, should request approval for repairs by telephoning the Claims Department on: 0845 293 2570 and by providing the following information: It is Your responsibility to authorise any preliminary diagnostics together with any dismantling of Your Vehicle and its Parts as may be required for a proper examination of its faults to be made. We will only pay for such diagnostic and/or dismantling work if reasonable and if assessed by Us as being within the costs of a valid claim and We will not be liable for the cost of any preliminary diagnostic work in excess of one hour, at the Labour rate selected. We reserve the right to examine the Vehicle Ourselves or to have any faulty Parts expertly assessed or to appoint a Repairer of Our own choice. Before We authorise any claim, We reserve the right to instruct an independent engineer to inspect Your Vehicle and/or inspect any faulty Parts, together with any appropriate documentation. When this right is exercised We shall have no liability for any loss to You arising from any delay Your Repairer may have in commencing repairs. We also reserve the right to re-charge the cost of any attempted and failed engineer's inspection of Your Vehicle against any subsequent authorised amount, due to Your Repairer failing to present Your Vehicle and/or its faulty Parts as previously arranged by Your Repairer at the stated place, time and date. 6. Should Our independent engineer (or Your Repairer where no independent engineer has been instructed) be unable to identify the Failed Part or Parts and/or the cause of Failure and/or reason for the Failure and where Your Repairer requires to replace more than one particular Part or requires to fit a whole unit where only a part of that unit has Failed then We will only accept and authorise the cost of such repairs after (i) such repairs are carried out and (ii) after such repairs are proved to have been successful and (iii) We will only accept and authorise the average cost of all Parts fitted and Labour as provided for within the terms of this agreement. With every claim You make, You must provide detailed VAT receipts from Your Repairer, vehicle hire or recovery company (if also applicable to Your claim). If you are claiming for more than one Part and/or benefit under one or more sections of this Policy then these will be treated as a single claim within the Single Claim Limit and Sum Insured shown on Your Proposal and Policy Schedule. We will not validate any claim and issue payment until We have received a copy of: (i) Your completed claim form, (ii) Repairer's VAT invoice, (iii) Claim Number, (iv) copies of VAT service receipts (or) main dealer stamped service book (or) their confirmation together with a completed and signed repair assessment form. From time to time We may require other documentation in order to assist Us in validating a claim. Such documents may include copies of; Your Vehicle's V5 log book, purchase and sale receipts, previous and current MOT certificates, previous and current service history documentation, VAT service and VAT repair receipts, Repairer's parts receipts, recovery organisation memberships, details of previous warranty policies together with the details of any previous claims made. We reserve the right to decline Your claim if We are not satisfied that You have provided the correct and satisfactory documentation (as required above) within 14 days. 5. Emergency Repairs If You find Yourself in the situation of having to carry out repairs in an emergency situation, such as when Your Vehicle is attended to by a recovery organisation, as a result of a Failure at a time when Our claims office is closed, then You should obtain a VAT receipt from the Repairer displaying: (i) Your Vehicle's details, (ii) the details of the repair including the cost of any Parts and Labour, (iii) the time and date the repair was diagnosed and carried out, (iv) retain any Parts removed from Your Vehicle for Our inspection or alternatively make a photographic record, (v) contact Our claims department on 0845 293 2570 as soon as possible or email the details of the claim to: claims@warrantywise.co.uk. Note: In order to make sure that You receive the highest level of service and for training purposes telephone calls may be recorded. The claims office hours are 9am to 5pm, Monday to Friday and 10am to 2pm on Saturdays. particular, please pay particular attention to Our conditions regarding Your Vehicle servicing and Our claims procedure. A. Claims Procedure You must follow the claims procedure detailed within this Policy, any failure to do so may result in a decline decision and non-payment of Your claim. B. Duty of Care You have a duty of care to look after Your Vehicle and carry out the preventative maintenance recommended by the Vehicle manufacturer within the Servicing Handbook. You are also required to service Your Vehicle in accordance with the servicing requirements within this Policy. In particular it is Your responsibility to pay to replace Worn Parts and service parts as and when required. C. Policy Transfer and Return of Premium Providing that You have paid for this Policy in full and no valid claims have been made, the balance of this Policy may be transferred with the Vehicle directly to a new private owner. You must make the application within 14 days of the 3. 7. General Conditions This Policy is only valid if You agree to these conditions which apply to all sections including Policy Additions. Please take time to read them. In 8. 11 12 change of ownership and You must send Us proof of last service, a current MOT certificate and the Administration Fee. Note (i) The Policy may only be transferred by You (the original Policyholder) and no refunds or rebates will be made to the transferee under any circumstances unless We decide to cancel the Policy. Note (ii) The Policy may not be transferred to (or via) any member of the motor trade (or) where the Policy has less than 30 days left to run (or) where You are paying by monthly instalments. Note (iii) No return of premium will be made, under any circumstances, after a valid claim has been authorised. D. Payments by Instalments If You are paying Your premium by instalments You must pay each instalment on the agreed due date otherwise We will cancel this Policy forthwith without return of any premium paid. Note (i) If You are paying by three instalments We will not pay any authorised valid claim amount until You have settled Your instalment payments in full and We reserve the right to off set or contra any sums involved. Note (ii) If You are paying by regular and continuous monthly instalments We will not pay any authorised valid claim amount until such time as You have settled Your instalment payments for the following six months and We reserve the right to deduct any outstanding premiums for the following six months (or part thereof) from any authorised claim amount or to withhold payment of any authorised amount until such time. E. Fraud If You have made a false and/or dishonest and/or misleading statement to Us in order to obtain this Insurance or to support a claim, this Policy will be suspended and no refund or claim settlements will be made and the matter will be reported to the Insurers. F. Salvage and Disposal We accept no liability for the responsible disposal of Your Vehicle or of any covered Part or salvage under any event. G Cancellation by You within the Cooling Off Period If having applied to Us for cover You decide that You do not want this insurance, simply return this Policy, Your Proposal and Policy Schedule together with Your request in writing (by Special or Recorded Delivery) to reach Us within 30 days of the Policy Start Date and, providing We have not authorised any valid claim, all cover will be cancelled and Your premium refunded in full without any deduction. H. Cancellation by You outside of the Cooling Off Period If, at any time after 30 days of the Policy Start date, You decide that You do not want this insurance and providing You have not made, or attempted to make, any claim, simply return this Policy, Your Proposal and Policy Schedule (by Special or Recorded Delivery) together with Your request in writing and all cover will be cancelled, from the date We receive Your request whereupon the unexpired portion of Your premium will be refunded less the Cancellation Fee. In all other cases or where you are paying your premiums monthly, cancellation by You is without return of any premium. I. Cancellation by Us We reserve the right to cancel your policy immediately and without further notice if: (i) your vehicle is declared an insurance category write-off or (ii) if your vehicle is stolen or (iii) if you transfer ownership of your vehicle without initiating a Policy transfer (within the Policy transfer conditions) or (iv) if you change your address to outside of the geographical limits or (v) if you fail to maintain or service your vehicle as recommended by the vehicle manufacturer (within the Policy conditions) or (vi) if you have made any false declaration to us in order to obtain this insurance or in order to satisfy our claim conditions or (vii) if You fail to pay Your premium in full as and when agreed or fail to maintain any monthly direct debit or continuous credit card payments; in all cases by sending you notice in writing (by Special or Recorded Delivery) to you and by refunding you the balance of any remaining premium after the deduction of our cancellation fee. Cancellation due to Your failure to agree terms Any failure on Your part to agree terms within 60 days of taking out the cover by returning Your signed Proposal Form may result in the insurance being cancelled by Us sending You notice in writing (by Special or Recorded Delivery) and by refunding You the (then) balance of any remaining premium less the Cancellation Fee. K. Excess If You make a claim and You have elected to include an Excess, then under normal circumstances, the amount of the Excess will be deducted from the settlement of Your claim. J. L. Duty of Disclosure You should have declared all material facts that may have affected Our decision to accept Your Vehicle on risk. It is important that You check Your Proposal and Policy Schedule to ensure We have the correct details. In particular, You should have answered Our preliminary questions accurately and disclosed any known (or suspected) material faults with Your vehicle prior to taking out the cover, if You were in any doubt about what was material then You should have declared it. Failure to disclose the correct information at the time that You applied for cover may invalidate Your Policy. M. Indemnity and Limit on Claims This Policy is a policy of indemnity. You are indemnified against the reasonable Repair Costs up to the Single Claim Limit within the Sum Insured. If Your Vehicle and any subsequent claim is covered by any other previous policy, guarantee or goodwill settlement, We will only pay Our reasonable share of the claim (if any). N. Value Added Tax Value Added Tax (VAT) will be calculated at the current rate at the time of claim. If You are VAT registered, or if Your Vehicle is registered with DVLA to a VAT registered business, we will not reimburse You any amount of VAT associated with a valid claim. O. General We are not liable for any statement or representation which contradicts any of the conditions of this Policy of insurance unless the statement or representation is clearly defined on Your Policy Schedule or is supported in writing by Us. contradicts Your Vehicle's service record or where the mileage/distance reading has been interfered with, altered or disconnected or has previously failed or cannot be relied upon to be accurate. 3. Any Vehicle (prior to the date of claim) declared as an insurance category write-off or stolen and recovered. Any vehicle used for hire or reward including: taxis, driving schools, courier vehicles, or any commercial vehicle with an unladen weight of more than 3500kgs or a vehicle used in any sort of competition, race, rally or track events or any previous public service vehicle such as police, ambulance, fire and military vehicles. Any vehicle modified since the date of manufacture (in whole or in part) to be powered by any alternative fuel source or type (unless We make special provisions which are noted on Your Policy Schedule). Any Vehicle where You are the owner, proprietor or director of a motor dealer business, vehicle auction, repair garage, leasing or hire company or otherwise connected with the motor trade (unless We make special provisions which are noted on Your Policy Schedule). Note: In any of the above circumstances Your Policy will be cancelled from inception and all premiums refunded less the Cancellation Fee. Parts Excluded: 7. Any Assembly (or Part thereof) excluded from the Level of Cover. Any Part covered by any other insurance, warranty, guarantee or offer of settlement. The Failure, within 30 days or 1,000 miles, of the date of inclusion of any Assembly or Policy Addition (or Part thereof) added to the Level of Cover after the Policy Start Date. 4. What this Insurance Does Not Cover This insurance specifically and particularly excludes the following: Vehicles Excluded: 1. Any Vehicle not conforming to the United Kingdom Department of the Environment (DOE) Vehicle Type Approval Standards (where a Type Approval Certificate is not in force) or where a current MOT VT20 Certificate (where required) is not in force or has expired or any Vehicle older than 12 years or over 120,000 miles at the Policy Start Date. Any Vehicle where the registration number, make or model, engine size or mileage is inaccurately described on Your Proposal and Policy Schedule form or 8. 9. 5. 6. 2. 10. The replacement of any camshaft timing belt or tensioner or any associated Repair Costs where it cannot be shown within the Vehicle's service record that the correct servicing of the camshaft belt and/or tensioner has been carried out within the manufacturer's recommended servicing interval. 13 14 11. Paintwork and bodywork, hinges, catches, door guides and runners, interior or exterior trim, upholstery together with any items fitted after the date of manufacture (such as roof racks and towing equipment etc). 12. Any non-mechanical or nonelectrical parts (such as carpets, seat coverings, mats, roof lining, trim, convertible roof material, glass in mirrors and windows etc). 13. Any serviceable parts normally replaced during the manufacturer's recommended servicing of the Vehicle such as: spark plugs, high tension leads, lubricants, fluids, filters, wiper blades, fan and drive belts, hoses, fuses wiring and connectors, bulbs, aerials, batteries, fuel cells, tyres, frictional materials of brake linings and clutches, exhaust systems, oil seals and gaskets (unless included as a Policy Option and then only those oil seals and gaskets causing a major oil leak necessitating the removal of the engine or gearbox in order to effect a repair); together with any other parts listed within the manufacturer's Vehicle service manual, unless any such items are authorised within the costs of a valid claim and providing the Vehicle is not within 1,000 miles or 30 days of its next scheduled service. 14. Worn Parts which have not suffered from Failure. 15. Failure of any Part due to Wear and Tear where the Policy Addition of Failure due to Wear and Tear is not included within the Level of Cover. 16. Parts which have not suffered a Failure but which are recommended for replacement by Your Repairer during the Vehicle's routine servicing. 17. Parts which are recommended for replacement by Your Repairer at the time of MOT (unless covered by the MOT Failure Policy Addition) together with any Parts listed within the Advisory Notice accompanying a VOSA MOT certificate. 18. Consequential Damage or Failure of any Part (or Parts) which a qualified engineer appointed by Us, believes has been aggravated due to the Vehicle being driven-on after the fault was more than likely to have been apparent to the driver. In such cases We will only be liable for the reasonable Repair Costs the engineer believes would have resulted if the Vehicle had been stopped at the earliest opportunity. 19. The repair or replacement of any Parts not authorised by Us. 20. Any Parts which have been modified (in any way) and which are not to the manufacturer's original specification. 21. Any Parts which are: rusted up or corroded or Parts which We believe have suffered damage specifically due to: flooding, freezing, water ingress, melting, lack of or incorrect coolant, lubricant or fuel, blockage or sludge or Parts which are electrically overloaded due to incorrect use of welding, starting or charging equipment or Parts damaged due to the inappropriate introduction of foreign objects or debris or any fuel or fluid leak or any oil leak not specifically included within the Level of Cover. 22. Any claim for Parts which have been recalled, modified or altered in specification to improve any previous design fault by the Vehicle manufacturer. 23. Any Part which, within the last 12 months, has been the subject of a previous claim (whether validated or not). 24. Any Parts which have suffered damage due to criminal damage, theft or attempted theft, accident, negligence, misuse, incorrect servicing or any Part not reported at the time of claim which suffers damage while in the care of Your Repairer during routine servicing, at the time of MOT or the strip down or re-build process. Claims Excluded: 25. Any claims made against the Policy before the Policy Start Date or after the Policy has expired. 26. Any claims where the person making the claim is not You (the policyholder) as named on the Proposal Form and Policy Schedule or Your nominated Repairer acting upon Your behalf. 27. Any claims caused by faults which an independent engineer appointed by Us believes could have reasonably existed before this Policy began. 28. Any claims against any Policy Addition (or Part thereof) not included within the Level of Cover. 29. Any loss, damage or failure which an independent engineer appointed by Us believes could or should have been avoided or was caused by a lack of previous routine service or maintenance as recommended by the manufacturer or within the Servicing Handbook. 30. Any claim, damage or fault which is due to an accident or which comes to light during any such accident repairs or which is negligent or against the law of the country in which the incident occurred. 31. The cost of any diagnostic work in excess of one hour (at the Labour rate selected) or the cost of any dismantling work not associated within the costs of a valid claim. 32. The cleaning of any Part or parts, unblocking or replacing of tanks, reservoirs, casings, pipes, lines, filters, pumps, metering units, injectors, pressure valves, control valves due to contamination by any foreign objects, debris or incorrect fuel (unless otherwise covered by any Policy Addition). 33. Any claim for the additional cost of transportation of Parts that have to be sourced from outside of the United Kingdom or any claim for Parts that are obsolete. 34. Any liability for death, bodily injury, Consequential Loss or damage to other property, out of pocket expenses or any loss caused directly or indirectly by the claim or event giving rise to a claim under this Policy. 35. Anything caused directly or indirectly by war, riot or any similar event, or by vandalism, theft or attempted theft from the Vehicle or by bad weather such as lightning or flood. 36. Injury, loss or damage that is caused by the following: (i) Ionising radiation, or radioactive contamination from any nuclear fuel or the nuclear waste arising from burning nuclear fuel. (ii) The radioactive, toxic, explosive or other dangerous properties of any explosives, nuclear equipment or nuclear part of that equipment or any chemical damage or effects or by any radio interference. (iii) Air pressure shock waves from aircraft travelling at or near the speed of sound. Administrator: Warrantywise Insurance Services, Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG. Coverholders at Lloyd's of London and authorised and regulated by the Financial Services Authority (FSA) No 300482. Administration Fee: The fee shown on Your Policy Schedule to cover administration expenses. Assembly: An assembly of mechanical and/or electrical Parts acting together to perform a specific function. Cancellation Fee: The fee shown on Your Policy Schedule to cover cancellation expenses. Claim Number: A number issued by Us to You or Your Repairer as proof that a claim has been registered. Consequential Damage: Where a part (not included within the Level of Cover) caused the Failure of a Part (which is included within the Level of Cover). Consequential Loss: Any costs or expenses due to or the result of the Failure of any Part or in any way arising from any valid claim other than those specifically included within this insurance. Cooling Off Period: A period of 30 days from the Policy Start Date when, providing We have not authorised any valid claim, all cover may be cancelled and Your premium refunded in full without any deduction. Excess: An optional monetary contribution by You towards the value of any claim which will be shown in Your Policy Schedule. Failure: The sudden and unexpected Mechanical or Electrical failure of a Part resulting in a permanent loss of the Part's ability to operate as designed. Geographical Limits: The area in which this Policy is effective which includes; Great Britain, Northern Ireland, the Isle of Man, the Channel Islands during the Period of Insurance and within the European Union (EU) for 90 days each year. Insurer: Lloyd's Syndicate 5820, Sidcup House, 12-18 Station Road, Sidcup, Kent, DA15 7EX. Reg/No 04434499. The Lloyd's Managing Agent for Lloyd's Syndicate 5820 is Jubilee Managing Agency Limited whom are entered in the Register of Lloyd's Managing Agents and regulated by the Financial Services Authority, entered under the FSA register under number 226696. Definitions The following words and terminology have same meaning throughout this Policy of insurance: 15 16 Labour: Labour costs necessary to repair or replace Parts will be reimbursed up to the hourly Labour rate noted on Your Policy Schedule, including VAT. We will not pay more than the hourly Labour rate usually charged by Your Repairer to its customers. Repair times will be limited to those in the latest Glass's ICME manual or as listed in the manufacturer's recommended repair times guide. Level of Cover: The total cover applicable to Your Vehicle as stated in Your Policy Schedule. Part: Any mechanical or electrical part, which forms part of the Vehicle's original specification, insured under the Level of Cover or Policy Addition selected, of this Policy. Mechanical parts are those that have movement or when acted upon enables movement to occur and electrical parts are those that are either; powered by, uses, or produces electricity in order to function. Parts Cost: If Your Repairer is a franchised main dealer We will pay up to the manufacturer's list price for Parts, otherwise We will not pay more than the motor factor trade price for Parts plus 10%, including VAT. Parts which can only be sourced from outside the United Kingdom will be reimbursed at the United Kingdom price of an equivalent Part. We reserve the right to require Your Repairer to use reconditioned or service exchanged Parts or to supply such Parts to Your Repairer directly. Period of Insurance: The period shown on the Policy Schedule. Policy: This booklet together with the Proposal Form and Policy Schedule which contains the terms and conditions of Your insurance. Policy Addition(s): Cover against the following items that You have selected as shown on Your Policy Schedule: Air Bag Systems, Alloy Wheels, Failure due to Wear and Tear, Catalytic Converters, Incorrect Fuelling, Keys and Locks, Labour Rates, MOT Failure Insurance, Radio, CD, DVD, Satellite Navigation, Tyres. Policy Schedule: Issued by Us to confirm Our acceptance of Your Proposal Form. Policy Start Date: The date Your Policy begins. Proposal Form: Any signed or electronically acknowledged Proposal Form and/or declaration together with any other additional information You may have supplied to Us in support of Your application for insurance. Repairer: Any full-time VAT registered business providing a car repair service within the Geographical Limits. Repair Cost(s): The cost of Labour and Parts Cost. Servicing Handbook: The handbook (as updated) issued with the Vehicle by the manufacturer and which details the servicing and maintenance requirements for the Vehicle. Single Claim Limit: The maximum amount that You can claim per Failure, including VAT. The Single Claim Limit includes all charges against Repair Costs, Policy Additions, Vehicle Recovery, Vehicle Hire, Hotel or Travel Expenses, as shown on Your Policy Schedule. Sum Insured: The maximum amount that You can claim in total during the Period of Insurance, including VAT as shown on Your Policy Schedule, limited to the retail value of Your Vehicle as defined in Parkers Price Guide at the time of Your claim. VAT: VAT will be calculated at the current rate at the time of claim. If You are VAT registered, or if Your Vehicle is registered with DVLA to a VAT registered business, we will not reimburse You any amount of VAT associated with a valid claim. Vehicle: Only the Vehicle as identified on the Policy Schedule intended for private use on the public highway and designed to carry no more than seven people including the driver, including private commercial vehicles of less than 3500kg gvw, but excluding public and private hire taxis, driving school vehicles or vehicles used for courier services or for the haulage or transportation of goods, vehicles modified or used in any competitive or track events. We/Us/Our: Warrantywise Insurance Services, Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG. Coverholders at Lloyd's of London and authorised and regulated by the Financial Services Authority (FSA) No 300482. Wear and Tear: The gradual and expected deterioration in the function of any Part(s) due to the age, mileage or general usage of the Vehicle and its Parts. Worn Parts: Component Parts which may be suffering from Wear and Tear and while not as good as new Parts, have not suffered a Failure. You/Your/Yourself: The policyholder named in the Policy Proposal Form and Policy Schedule. Important Information UNDERWRITTEN AT LLOYD'S OF LONDON This Policy of Insurance is Underwritten at Lloyd's of London. In accordance with the authorisation granted under the Contract GP120 to the Undersigned by the Insurers, Cassidy Davis, Lloyd's Syndicate 5820 at Lloyd's of London and in consideration of the premium being paid in full; the Insurers are bound to You for the benefits set out herein, subject to the Terms and Conditions, Definitions and Exclusions of this Policy. In witness, this Policy of Insurance has been signed in London by Mr Andrew Whittaker FIMI of Warrantywise Insurance Services (Warrantywise) and contract GP 120 bears the seal of Lloyd's Policy Signing Office. The date of signing is shown as the Policy Start Date on the Proposal Form. ADMINISTRATOR This Policy is administered by Warranty Wise Insurance Services (Warrantywise) Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG, Coverholders at Lloyd's of London and Authorised and Regulated by the Financial Services Authority (FSA) No 300482. POLICY This Policy will only become effective when We (Warrantywise) have received and accepted Your signed Proposal Form and Your premium payment in full and issued Your Policy Schedule, You will then be provided with the insurance as stated within this Policy during the Period of Insurance, whilst Your Vehicle is within the Geographical Limits. This Policy contains details of the insurance cover You have purchased, what is excluded from the cover and the conditions of this insurance and should be read in conjunction with the Proposal Form and Policy Schedule and includes Your signed declaration to pay the premium. PROPOSAL FORM The Proposal Form, which includes the signed declaration, forms part of this Policy. Please check that the information You have declared to Us is correct and that it meets with Your requirements. If it does not, please contact Us as soon as possible (and in any case within 30 days of issue) in order to make any applicable alterations. If You fail to provide Us with the correct information We reserve the right to either charge You an additional premium and Administration Fee or even cancel your Policy. POLICY SCHEDULE The Policy Schedule confirms Our acceptance of Your Proposal Form and is the basis of the contract and forms part of this Policy. We will post the Policy Schedule to You within 3 days of receiving and accepting Your signed Proposal Form. PREMIUMS AND CLAIMS YOUR RIGHTS When handling premium payments from You that are due to the Insurers and when handling any claim You make, the Administrator acts as an authorised agent of the Insurers. This means that when You pay a premium to the Administrator it is deemed to have been received by the Insurers and that any valid claim You make is not deemed to have been completed by the Insurers until the cost of the repair to Your vehicle has been settled by them. DATA PROTECTION Warrantywise is registered under the Data Protection Act. You are the only person authorised to make representations to Warrantywise about this Policy of insurance. If You require any other person to enquire on Your behalf including receiving any validated claim payments We will require Your specific prior authorisation in writing. The data supplied by You will only be used for the purposes of processing Your Policy of insurance, including Your payments, underwriting, administration and handling any claim which may arise or Policy renewal. We will not sell or in any way pass over Your personal details to any third party unless required to do so in order to comply with the terms of any lawfully authorised investigation. NOTICES All notices required to be given shall be by Special or Recorded Delivery (i) from Warrantywise to You, at Your last known address and (ii) from You to Us, at Warrantywise Insurance Services at Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG. All notices shall be deemed to have been received when in the normal course of transmission, the notice would have been delivered. LANGUAGE All insurance documents and all communications with You about this insurance will be in easy to understand English. No other language will be used. CHOICE OF LAW Unless specifically agreed to the contrary this Policy shall be subject to English Law. wwise/ucw/pol/v5/aug/08 17 18