Ford Protect Used Mechanical or Electrical Breakdown and MOT Test Insurance Policy

Transcription

1 Ford Protect Used Mechanical or Electrical Breakdown and MOT Test Insurance Policy GENERAL INFORMATION 2 YOUR POLICY SCHEDULE 3 CLAIM CONTACT NUMBER 4 GENERAL POLICY QUERIES CONTACT NUMBER 5 ELIGIBILITY CRITERIA 5 ABOUT YOUR INSURER 5 YOUR CANCELLATION RIGHTS 5 OUR CANCELLATION RIGHTS 6 AUTOMATIC RENEWAL 6 HOW TO COMPLAIN 7 DEFINITIONS 8 SECTION 1 - FORD PROTECT USED MECHANICAL OR ELECTRICAL BREAKDOWN INSURANCE 10 INTRODUCTION 10 ELIGIBILITY CRITERIA 10 WHAT IS COVERED 10 ADDITIONAL BENEFITS 10 WHAT IS NOT COVERED 11 VEHICLE SERVICE REQUIREMENTS 13 HOW TO CLAIM IN RESPECT OF MECHANICAL OR ELECTRICAL FAILURE 14 SECTION 2 - MOT TEST INSURANCE 16 INTRODUCTION 16 ELIGIBILITY CRITERIA 16 WHAT IS COVERED 16 WHAT IS NOT COVERED 16 MOT TEST CONDITIONS 17 HOW TO CLAIM IN RESPECT OF THE MOT TEST INSURANCE 18 GENERAL TERMS 19 APPLICABLE LAW 19 BASIS OF CONTRACT 19 DUTY OF FAIR PRESENTATION 19 DUTY OF FAIR PRESENTATION REMEDIES FOR BREACH PROPOSING FOR THIS INSURANCE 19 DUTY OF FAIR PRESENTATION REMEDIES FOR BREACH VARIATION 19 FRAUDULENT CLAIMS 20 MATERIAL CHANGES DURING THE POLICY PERIOD 20 PRIVACY AND THE DATA PROTECTION ACT RECORDS 20 TRANSFER OF INSURANCE 21 Page 1 of 22

2 General information Your cover is made up of two sections: Section 1 Ford Protect Used Mechanical or Electrical Breakdown Insurance including Multimedia components. Section 2 MOT Test Insurance. The following pages detail the full terms, conditions and exclusions of your policy. They set out exactly what is and is not covered and what you need to do in the event of a claim. It is advisable to keep this policy document in your vehicle as you will need to show it to any authorised repairer if you have to make a claim. In evidence of our intention to be bound by this insurance, we print the signature of our Chief Executive Officer. Page 2 of 22

3 Your policy schedule Your policy schedule is enclosed with this booklet. Your policy schedule and this booklet together form your policy of insurance. Please read this carefully and if the details are incorrect or you have any questions relating to the information stated please discuss these with the administrator on at the earliest opportunity. Your schedule will clearly show which of the cover options are applicable to your vehicle under this insurance. Your cover is valid for the period of insurance as shown in your schedule. Page 3 of 22

4 Claim contact number Please refer to the How to Claim paragraphs under sections 1 and 2 of the policy before authorising any repair. To submit a Mechanical Breakdown Insurance claim and/or MOT Insurance Claim, please contact us on: Page 4 of 22

5 General policy queries contact number For general queries regarding your policy or your policy schedule you should contact the administrator on at the earliest opportunity. Eligibility criteria This product meets the demands and needs of those who wish to ensure that the Mechanical and Electrical breakdown requirements of their vehicle are met now and in the future. This Mechanical or Electrical Breakdown Insurance and MOT Test Insurance policy is not suitable for you if you do not meet the following eligibility criteria: i) the vehicle has covered less than 100,000 miles and is less than 10 years old from the date of first registration; and ii) there is an active and valid Ford Protect or Ford Approved Mechanical and Electrical Warranty in place or it is within 30 days of the expiry of the original Ford Protect or Ford Approved Mechanical and Electrical Failure Warranty. at the time of purchase of the policy. However, there is no limit as to the mileage covered by the vehicle during the period of insurance. About Your Insurer Your Insurer Your insurer is QBE Insurance (Europe) Limited registered in England number , home state United Kingdom, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number You can check this on the Financial Services Register by visiting the Financial Conduct Authority s website at or by contacting the FCA on The FCA is the independent watchdog that regulates financial services, including insurance. It requires us to give you this document. Use this information to decide if this insurance is right for you. Conflicts Occasions can arise where we or one of our associated companies, clients or product provider may have a potential conflict of interest with insurance business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment. Your cancellation rights You have a statutory right to cancel the policy within fourteen (14) days, starting from the date you enter into the contract, or, if different, the date you receive the policy documentation, whichever is later. You are only entitled to cancel the entire policy i.e. you cannot cancel just one of the sections. On receipt of your notice of cancellation and providing you have paid the premium you will be entitled to the following refund: i. a full refund of premium in the event that you have not made a claim under the policy; ii. iii. a refund of the difference, where the premium is in excess of any claim(s) that has been paid; no refund where the claim(s) exceeds the premium. In addition to your statutory right of fourteen (14) days detailed above, you may cancel the entire policy at any time by written notice. Upon receipt of your notice of cancellation or upon receipt of cancellation instructions from the administrator in the circumstances set out in the section on Our Cancellation Rights : iv. where you have paid the premium in full other than by an instalment plan entered into between you and the administrator, you will be entitled to a pro rata refund of premium, which means a refund equivalent to the proportion of the unexpired portion of the premium; v. where you have funded payment of premium by an instalment plan entered into between you and the administrator no refund of premium will be payable to you and you irrevocably authorise us to pay any pro rata refund of premium that is due directly to the administrator. Page 5 of 22

6 To cancel the policy, please contact the administrator from whom you purchased the policy at the following address: Firstbase (Future Marketing) Limited t/a FBFM, 5 Clements Lane, Ilford, Essex, IG1 2QY Tel: Our cancellation rights We may cancel this policy by giving fourteen (14) days notice by recorded delivery to your last known address. You irrevocably authorise us to accept instructions to cancel your policy upon our receipt of notice from the administrator where you have defaulted and failed to pay your premium instalments due under an instalment plan entered into between you and the administrator. Automatic Renewal To ensure you continue to be insured after renewal, we reserve the right to automatically renew your policy using the payment details you have already provided, unless we or you have advised otherwise. We will contact you at least 21 days before your policy ends, and before taking any payment, to confirm your renewal premium and policy terms. If you do not want us to automatically renew your policy you should let us know by contacting us on It is not possible for us to automatically renew policies in all circumstances. Your renewal notice will advise if your Policy will be automatically renewed or if you need to discuss the renewal with us. If we are unable to offer renewal terms we will write to you at your last known address. Page 6 of 22

7 How to complain Your insurer is QBE Insurance (Europe) Limited What you should do We strive to provide an excellent service to all of our customers but occasionally things can go wrong. We take all complaints seriously and endeavour to resolve all customers problems promptly. If you have a question or complaint about this insurance or the conduct of your administrator you should contact that administrator in the first instance. Alternatively, if you wish to contact us directly you should write to the complaints address shown in the policy schedule, quoting the policy or claim reference applicable If, after making a complaint, you feel that the matter has not been resolved to your satisfaction then if you are an eligible complainant you may contact The Financial Ombudsman Service, Exchange Tower, London E14 9SR, Telephone or , Website: Making a complaint to the Financial Ombudsman Service (FOS) does not affect your rights under this policy, but if you are not an eligible complainant then the informal complaint process ceases. A summary of our complaint handling procedure is available on request and will also be provided to you when acknowledging a complaint. About the Financial Ombudsman Service (FOS) Eligible complainants are: a) private individuals; b) micro-enterprises. Micro-enterprises will be able to bring complaints to the ombudsman as long as they have an annual turnover of under EUR2 million and fewer than ten (10) employees; c) charities with an annual income of less than GBP1million; or d) a trustee of a trust with net assets of less than GBP1million. The FOS will only consider a complaint if you are an eligible complainant and if: a) we have been given an opportunity to resolve it; and b) we have sent you a final response letter and you have referred your complaint to the FOS within six (6) months of our final response letter; or c) we have not responded to your complaint with a decision within eight (8) weeks. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we are unable to meet its obligations under this contract. Entitlement to compensation under the Scheme depends on the type of business and circumstances of the claim. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or from their website ( Page 7 of 22

8 Definitions The following words or terminology have the same meaning wherever they appear in the policy of insurance: Administrator Administrator means: Firstbase (Future Marketing) Limited t/a FBFM, 5 Clements Lane, Ilford, Essex, IG1 2QY Tel: Authorised driver Authorised repairer Authorise driver means any person driving a vehicle with the lawful authority to do so, including but not limited to the vehicle owner. Authorise repairer means any repairer who has been authorised by us to undertake any repair. Covered components Covered components means all mechanical and electrical components of the vehicle including those listed under a) to e) below but excluding those components as listed under What is not Covered under Section 1 and Section 2: a) Oil seals or gaskets where removal of the engine, gearbox or differential / final drive unit is essential in order to effect repairs; b) Catalytic converters and coated lifetime diesel particle filters: up to a maximum mileage of 70,000 miles from the date of first registration of the vehicle for failure to meet exhaust emission requirements; c) Oils, oil filter and anti-freeze are covered only if it is essential to replace them as the result of a covered mechanical or electrical failure of a covered component; d) Damage to casings as a result of a mechanical or electrical failure is covered under this policy of insurance; e) Multimedia components and Bluetooth equipment Geographical area Manufacturer s vehicle warranty Mechanical or electrical failure Multimedia components Period of insurance Geographical area means Norway, Liechtenstein and any country that is a member of the European Union. Manufacturer s vehicle warranty means the original vehicle warranty provided by the vehicle manufacturer covering the mechanical components of the vehicle (excluding additional warranties they may provide such as tyre, battery, corrosion and perforation warranties). Mechanical or electrical failure means the failure of a covered component causing sudden stoppage of its function and requiring immediate repair or replacement before normal operation can be resumed. Such failure shall also include, when the vehicle s odometer reading is less than 70,000 miles, covered components that are replaced due to wear and tear that could ultimately lead to their failure. Multimedia components means only standard factory fitted equipment including any video cassette recorder/player; LCD screens; media control panel; auxiliary power input socket; 12 volt power supply; CD/DVD player (excluding headphones and remote control); multi-changer; satellite navigation system (excluding discs) and Bluetooth equipment.. Period of insurance means the period between the start date and end date as stated in the policy schedule. Premium United Kingdom VAT Premium means the amount payable for this policy of insurance, including Insurance premium Tax (IPT) as applicable. United Kingdom means England, Scotland, Wales, Northern Ireland, Isle of Man, Jersey and Guernsey. Value Added tax Vehicle means the vehicle described in the policy schedule that has been Page 8 of 22

9 Vehicle We, us, our purchased by you from a Ford Motor Company Limited franchised dealer domiciled within the United Kingdom. We, us, our means QBE Insurance (Europe) Limited whose head office and registered address is Plantation Place, 30, Fenchurch Street, London, EC3M 3BD. Tel. No Fax Registered in England No Home State United Kingdom Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority; registration number ). Wear and tear You, your, vehicle owner Wear and tear means the gradual reduction or deterioration in operating performance and/or function of any covered part due to the age and/or mileage and/or usage of the vehicle. You, your, vehicle owner means the owner and registered keeper of the vehicle being the person or entity as named in the policy schedule. Page 9 of 22

10 Section 1 - Ford Protect Used Mechanical or Electrical Breakdown Insurance Introduction The Ford Protect Used Mechanical or Electrical Breakdown Insurance is provided by QBE Insurance (Europe) Limited and includes: Mechanical or electrical failure in respect of the covered components of the vehicle except those excluded under What is not Covered ; Vehicle hire; Overnight accommodation or rail fare; all as set out under What is Covered and Additional Benefits in this section of the policy. Eligibility criteria This Mechanical or Electrical Breakdown Insurance and MOT Test Insurance policy is not suitable for you if you do not meet the following eligibility criteria: i) the vehicle has covered less than 100,000 miles and is less than 10 years old from the date of first registration; and ii) there is an active and valid Ford Protect or Ford Approved Mechanical and Electrical Warranty in place; at the time of purchase of the policy. However, there is no limit as to the mileage covered by the vehicle during the period of insurance. What is covered In the event your vehicle suffers a mechanical or electrical failure of a covered component then we will pay for the parts and labour costs to repair or replace the covered component provided that: a) you have paid the premium when you purchased this policy of insurance or you have confirmed that you are paying the premium via the Ford Approved Extended Warranty Instalment Plan; and b) the mechanical or electrical failure (including Multimedia components and Bluetooth equipment) occurred during the period of insurance; and c) mechanical or electrical failure occurred within the United Kingdom; and d) our maximum liability in respect of any one claim or the total of all claims during the period of insurance shall be up to the purchase price of your vehicle as stated in the policy schedule. Additional benefits In addition to the above cover we will pay the following costs that arise as a result of a valid claim for mechanical or electrical failure: 1. Replacement vehicle hire The cost of hiring a comparable replacement vehicle up to an amount of 30, inclusive of VAT, per day for a maximum of 7 days and subject to the following conditions: a) before agreeing to hire a vehicle you must obtain the our prior approval. If you fail to obtain agreement this insurance will not pay the cost of hire; b) hire cannot commence until 24 hours after the acceptance of a valid claim by us; c) we shall only be liable for such costs where the scheduled repair time of this repair exceeds 8 working hours. When assessing eligibility for these costs, repair time is based upon the manufacturer's authorised repair time schedules. Repair times specifically exclude periods when the vehicle is off the road and repairs are unable to commence, or be completed, due to non-availability of parts, with the exception of repairs involving the complete replacement of engine, gearbox or rear axle assemblies in the event that they have to be ordered from the manufacturer. d) the hire costs form part of the overall claims limits as stated in d) under What is covered contained above; Page 10 of 22

11 e) the hired vehicle must be rented from a bona fide rental operator; f) fuel, insurance and other ancillary costs in respect of the hired vehicle are your responsibility; g) a receipted rental agreement for the car hire charges must be submitted to us. 2. Overnight accommodation or rail fare A contribution of up to 60, inclusive of VAT, towards overnight accommodation or rail fare, subject to the following conditions: a) we are only liable for these costs where it cannot be reasonably expected for you to return to your home address at the time of the mechanical or electrical failure; b) the overnight accommodation or rail fare costs form part of the overall Claims Limits as stated in d) under What is covered contained above; c) a receipted invoice for these costs must be submitted to us. d) we exclude and this insurance does not pay for the cost of meals, drinks or services, 3. Overseas cover extension Section 1 is extended to cover your vehicle whilst temporarily outside the United Kingdom but within the geographical area provided that: a) this extension of cover only applies for a total period of up to 60 days during the period of insurance. Claims which occur outside this 60 day period are not valid. b) where the mechanical or electrical failure occurs outside the United Kingdom but within the geographical area, you are entitled to authorise the repair in which case you must pay the repairer directly in respect of the actual mechanical or electrical failure and submit a claim to us for reimbursement upon your return to the United Kingdom. c) for any costs incurred outside the United Kingdom but within the geographical area, you will be reimbursed at standard United Kingdom costs for parts and labour in pounds sterling at the prevailing exchange rate on the date that you paid for the repair. It is essential that you retain original invoice(s) for any payments that you have made as no payment can be considered until we have received the relevant invoice(s). d) you are not entitled to authorise any expenses incurred in respect of paragraph 1 or 2 above where you must comply with the procedures set out under these paragraphs. What is not covered Section1 of the policy excludes and we shall not be liable for the following: 1. Overheating Cracks and failures to cylinder heads and cylinder blocks as a result of damage caused by overheating, lack of lubrication and carbon build up. Burnt or pitted valves. 2. Parts not listed under covered components Any part not listed under covered components, for example but not limited to the following: a) aerials; deployed airbags; batteries; body; door seals; electrical wiring and wiring looms; b) batteries or cells for hybrid vehicles, including any consequential loss that may occur due to failure of a covered component. c) exhaust manifolds; fixings and fastenings; d) nuts/bolts/studs/clips and springs (other than suspension springs): glass; e) interior/exterior trim; paint work; bodywork; or f) Sub-frames and cross-members; upholstery; lamp units and lamp clusters; screen/window/door seals; wheels; parts damaged by water ingress or corrosion; bonnet, boot and fuel flap release and hinges. 3. Multimedia components Any claim in respect of multimedia components: a) which are working within manufacturers tolerances including, but not limited to, dead pixels within the LCD screen; and b) where the failure is not a direct consequence of the expected gradual reduction or deterioration in operating performance and/or function of any part due to the age and/or usage of the multimedia component; and c) Software updates or upgrades 4. Routine maintenance or periodic repair Page 11 of 22

12 Normal service items and other components, subject to routine maintenance or periodic repair or replacement such as but not limited to: a) batteries; core plugs; diesel glow plugs; spark plugs; electrical connection blocks; terminals and fuses; distributor cap and rotor arm; HT leads; light bulbs including xenon units and self-levelling units; b) all hoses, pipes and unions; auxiliary belts unless necessary as a direct result of a covered component failure; hoses and hose clips; oil filters and gaskets; fuels and power steering pipes and hoses; sump plugs; c) air cleaners; fuel filters; pollen/odour filters; d) drive shaft and steering rack gaiters; engine, suspension, gearbox, axle and drive-line mountings; e) brake friction material; brake pipes; clutch facings; handbrake cables; f) sunroof cables; tyres and wiper blades; g) exhaust system including additive Diesel Particle Filters but this exclusion does not relate to the catalytic converter or coated lifetime diesel particle filters when the odometer reading on the vehicle is less than 70,000 miles from the date of first registration of the vehicle. 5. Working materials Seals, gaskets and working materials, such as oils, oil filter and anti-freeze, unless it is essential to replace them because of a failure of a covered component. 6. Casings Casings unless damaged as the result of a failure of a covered component. 7. Recall Any repair or other costs arising from a recall of the vehicle instigated by the manufacturer. 8. Cover under any other warranty Any mechanical or electrical failure covered by any other insurance, warranty or entitlement, including any manufacturer s vehicle warranty. 9. Failure to comply with service requirements Any mechanical or electrical failure attributable to the failure to comply with the Vehicle service requirements. 10. Lack of lubricants or coolant Any repairs required as a result of continued operation of the vehicle once a defect or fault, including loss or lack of lubricants or coolant, has occurred. 11. Road traffic damage Damage attributable to impact or road traffic accident or any other extraneous cause. 12. Indirect loss or penalties Liability under this policy of Insurance for the following: a) any penalties for delay, detention or in connection with guarantees of performance or efficiency; b) any damage or liability incurred as a result of a mechanical or electrical failure; c) any losses that are not directly associated with the mechanical or electrical failure that caused you to claim and that are not expressly stated as covered under What is covered 13. Unauthorised repairs Any claim where the administrator has not a) been contacted prior to the commencement of repairs or b) issued a work authorisation number. 14. Excluded components Any claim in respect of: d) the failure of a covered component caused by the failure of a component that is not covered by this policy; and e) the failure of a component that is not covered by this policy as the result of the failure of a covered component. 15. Abuse and/or misuse of the Vehicle Any claim where the mechanical or electrical failure has been caused by abuse and/or misuse of the Vehicle. 16. Failure to follow operating guidelines Any claim attributable to failure to follow the vehicle manufacturer s operating guidelines as set out in their handbook, or mechanical or electrical failure attributable to exceeding the manufacturer s operating limitations. 17. Failure to use an authorised repairer Page 12 of 22

13 Any claim arising from the mechanical or electrical failure of a covered component which has, prior to the mechanical or electrical failure, been repaired by any person other than an authorised repairer. 18. Wrong fuel Any claim arising from the use of contaminated or inappropriate fuel for the vehicle. 19. Cover component maintenance Any maintenance or adjustments required to any covered component. 20. Frost or freezing Any claim caused by frost or freezing, including damage where a lack of, or failure of, anti freeze has been a contributory factor to the claim. 21. War damage Any claim caused directly or indirectly by war, riot, revolution or any similar event. 22. Nuclear fuel or nuclear waste damage Any claim caused directly or indirectly by the effects of nuclear fuel or nuclear waste, either through direct contact or through exposure to levels of radiation which exceed those permitted in current legislation. 23. Failure to process any date change Any claim for any alteration, repair or replacement caused by the failure of electrical equipment, computer hardware or accessories and associated equipment to process any date change. 24. Inadequate repairs Any claim that arises as a result of an inadequate repair to the vehicle. 25. Ineligible vehicle conditions Where the vehicle: a) has been modified from the manufacturer s original specifications; b) is used for hire or reward, such as taxis, driving schools, competitions, racing, pace making or off-road use unless specifically designed for the purpose, or any vehicle of more than 4.6 tonne GVW; c) is used for public services (such as, but not limited to police, fire brigade, ambulance, rescue, military purposes); d) is being used for a purpose for which it was not designed; e) has not been serviced in accordance with the service requirements detailed under the Vehicle service requirements. f) speedometer or odometer reading cannot be determined as accurate by virtue of it having been interfered with, altered, disconnected, inoperative or removed from the vehicle; or g) is not roadworthy or is unregistered for road use. 26. Pre-existing faults Any loss, damage or failure, which is said by a qualified engineer appointed by the company to have existed before the start of this insurance. Vehicle service requirements It is a condition of this section of the policy of insurance that you have the vehicle properly, regularly and punctually serviced in accordance with the manufacturer s recommendations by the dealer from whom you purchased the vehicle or any other reputable VAT registered dealer. This servicing must be carried out within 1,000 miles or 30 days, whichever occurs first, of the intervals specified by the manufacturer of the vehicle. You will need to present an itemised VAT service invoice in the event of a claim. In the event that you do not comply with these servicing requirements, you may invalidate the terms and conditions of this insurance. Page 13 of 22

14 How to claim in respect of Mechanical or Electrical Failure In the event that you wish to make a claim, please contact us on: 1. General There will be some instances where repairs cannot be authorised until the vehicle has been dismantled. In these cases, the authorised repairer will need your authority to dismantle the vehicle for proper diagnosis prior to commencing any repairs. Repairs will be authorised provided that the failure is covered by this policy of insurance. Where the failure is not covered by your policy, you will be responsible for all costs associated with dismantling the vehicle. The maximum we will pay for any claim is the equivalent manufacturer s recommended repair times (not including diagnostics) for labour charges and the manufacturer s list prices for parts on the date of repair. It is essential that you retain original invoices for the cost of repairs as payments cannot be made until the relevant invoice(s) have been received and approved by us. On receipt of the invoice(s) and other supporting documentation in respect of your claim, it will be settled subject to your compliance with the terms and conditions of this policy of insurance. In the event that any of the repair costs are not covered by this Section 1 of the policy, it is your responsibility to settle the balance to the authorised repairer. In the event that you make a claim under this Section 1 and we believe these costs could be recovered from another party, we reserve the right to take action to recover any payment made by us. Under such circumstances, we may need to take such action in your name and, therefore, you must co-operate with us and give us any information we may require. We will pay for any legal expenses relating to this. 2. Claims procedure In the event that you need to make a claim under this Section 1 you need to comply with the following procedure: i) Repairs in the United Kingdom 1. In the event of a mechanical or electrical failure in the United Kingdom, you should take the vehicle to the dealer from whom the vehicle was purchased or an authorised repairer. Please be prepared to hand to the repairing dealer a) this policy document and b) proof of servicing. 2. The repairing dealer will establish the cause of the failure and contact us to establish if a mechanical or electrical failure has occurred and whether the parts directly causing the failure fall within the definition of a covered component. We shall only be liable in respect of any repairs where we have issued an authorisation number to the authorised repairer. 3. We reserve the right to examine the vehicle, and subject any damage to an independent expert assessment before commencement of any repairs. It shall be clearly understood and agreed that in the event of any dispute arising as to the extent of our liability, the decision of the independent assessor shall be final and binding on both us and you. 4. Following completion of repairs, the repair invoices and any supporting documents, which may include the policy document, will be forwarded by the authorised repairer to us to obtain reimbursement. However, you must pay directly to the authorised repairer at the time of repair any additional costs not covered by, or in excess of, the terms of this policy of insurance, and any VAT, where you are registered for VAT. Where the authorised repairer forwards documentation to us on your behalf, the authorised repairer will be deemed to have your authority to receive payment direct from us for the cost of repairs. Where you wish to claim on your own behalf, you must produce evidence to us that the authorised repairer has been paid for their work. Note: Claims must be received by us within 30 days of the date of completion of the repairs. Claims received after this date by us will be subject to review in terms of the reason for delay, and it will be at our discretion as to whether such claims are accepted. Page 14 of 22

15 5. Where necessary, the policy documents will be posted back to you following review by us. Once returned, you should check the documents are intact. ii) Repairs in the Geographical area other than in the United Kingdom In the event that it is necessary for your vehicle to be repaired anywhere in the geographical area other than the United Kingdom, you will not require prior authorisation from us, other than in respect of paragraphs 1 and 2 of the Additional Benefits under What is Covered in Section 1 Ford Protect Used Mechanical or Electrical Breakdown Insurance. On your return to the United Kingdom, please immediately contact us for instructions on how to proceed. In the event your claim is valid, you will be reimbursed in pounds sterling at the prevailing exchange rate on the date that the repair was completed Page 15 of 22

16 Section 2 - MOT Test Insurance Introduction The MOT Test Insurance is provided by QBE Insurance (Europe) Limited. Eligibility criteria MOT Test Insurance is not suitable for you if you do not meet the following eligibility criteria. Your vehicle must a) have more than ninety (90) days remaining to the expiry date of the current MOT Test; or b) be of an age where an MOT Test has not previously been required. What is covered 1. We agree to pay the cost of repair, replacement and/or adjustment to the vehicle of the parts listed below under Parts Covered by the MOT Test Insurance as a direct consequence of such parts being cited in a Notification of Refusal to issue an MOT Certificate (Form VT30) prepared during the period of insurance, as causing the vehicle to fail its MOT Test provided that: i) you must pay the first of each and every claim; and ii) iii) our promise to pay will not exceed , inclusive of VAT, for each MOT Test; and this MOT Test Insurance is subject to the following MOT Test Conditions and Exclusions. 2. Parts Covered by the Mot Test Insurance Lighting equipment Headlights, front and rear side lights, number plate illumination lamp, stop lamp, rear reflectors, rear fog lights, hazard warning lights, and controls, direction indicator control, fog lamp on/off indicator (excluding Xenon lights and bulbs). Steering and suspension Wheel bearings (front & rear), power and manual steering mechanism, track rod ends, transmission shafts, front and rear suspension, swivel and ball joints, suspension springs, suspension mountings. Brakes Master cylinder, wheel cylinders, callipers, discs/drums, load compensator, ABS modulator/sensors/ecu, brake pipes/hoses/cables (excluding corroded pipes). Seat belts All seat belts for condition and operation. General Fuel injection ECU or sensor replacement directly or as a result of calibration failure to meet MOT exhaust gas emission standards, horn, speedometer and speed limiter, windscreen wiper and washers (excluding wiper blades and rubbers). NB. Tuning and adjustments are only covered if necessary to meet MOT exhaust gas emission standards. What is not covered MOT Test insurance excludes and we shall not be liable for the following: a) the cost of the MOT Test and re-test; b) more than one claim in any 12 month period; c) accident or structural damage from any external cause, rust or corrosion, windscreen, exhaust system and catalytic converter, engine tuning or adjustment, wheel alignment, brake friction material where the condition relates to wear and tear, items subject to fair wear and tear such as but not limited to tyres, brake pads, clutches etc. and consumable items; d) any parts which have not actually failed, but which are replaced or reported during routine servicing and/or repair of other parts which have failed; e) any component covered by any other existing warranty or insurance; Page 16 of 22

17 f) liability that attaches by virtue of an agreement but which would not have attached in the absence of the said agreement; g) any liability for: i) death, bodily injury, or damage to other property; or ii) any losses that are not directly associated with the MOT Test Insurance that caused you to claim and expressly stated as covered under clause 1 ) or 2) of What is covered above; arising directly or indirectly from the claim or event giving rise to a claim under this MOT Test Insurance; h) any claim arising from the use of contaminated or inappropriate fuel for the vehicle, or any claim that arises as a result of inadequate repair or maintenance of the vehicle; i) any repair during the period of insurance by any party other than the authorised repairer; j) the failure of a covered component caused by the failure of a component that is not covered by Section 1 of this insurance, and the failure of a component that is not covered by this insurance as the result of the failure of a covered component; k) any recall or campaign costs of the vehicle instigated by its manufacturer; l) any loss, damage or failure which is said by a qualified engineer appointed by us to have existed before the start of the Insurance or be known to be faulty prior to the MOT due date; m) repairs where your vehicle: i) has been modified from the manufacturer s original specifications; ii) has been abused and/or misused and that the abuse/misuse has caused the covered components failure; iii) is used for hire or reward, such as taxi s or driving schools, competitions, racing, pace making, offroad use unless specifically designed for the purpose, or any vehicle of more than 4.6 tonne GVW; iv) is used for public services (such as, but not limited to, police, fire brigade, ambulance, rescue, military purposes); v) is being used for a purpose for which it was not designed; vi) has not been serviced in accordance with the service requirements detailed under the Vehicle Service Requirements; vii) speedometer or odometer reading cannot be determined as accurate by virtue of it having been interfered with, altered, disconnected, inoperative or removed from the vehicle; viii) is not roadworthy or is unregistered for road use. MOT Test Conditions 1. In the event the vehicle fails its MOT Test, it is your responsibility to authorise any dismantling and to pay these charges if such dismantling proves that the failure is not covered by the MOT Test Insurance. Any exploratory dismantling charges will only be reimbursed as part of a valid claim. 2. We reserve the right to examine the vehicle and subject the parts being repaired to expert assessment before commencement of any repairs. It shall be clearly understood and agreed that in the event of any dispute arising as to the extent of liability, the decision of the independent assessor shall be final and binding on both you and us. 3. We shall not be liable for any statement or representation, written or verbal (by whomsoever made), which contradicts the terms and conditions in this MOT Test Insurance, unless we confirm such statement or representation in writing. Page 17 of 22

18 How to claim in respect of the MOT Test Insurance In the event that your vehicle fails the MOT Test and you wish to make a claim, you should take your vehicle to the dealer from whom the vehicle was purchased or an authorised repairer who will arrange for any repairs to be carried out. Please hand to the authorised repairer: a) this policy; and b) proof of servicing and c) the previous valid MOT Certificate (if applicable); and d) the Notification of Refusal to issue an MOT Certificate (VT30) citing the reasons for failure. The authorised repairer will take responsibility to contact us to establish if the parts involved in the repair, deemed necessary by the Notification of Refusal to issue an MOT Certificate (VT30), are covered by this MOT Test Insurance. Duties in event of a claim 1. The authorised repairer must obtain prior authorisation from us as to whether or not there is a valid claim under the MOT Test Insurance. When, and if, the vehicle is granted an MOT Certificate (VT20), the authorised repairer will forward to us a copy of a completed: a) VAT repair invoice as signed by you; and b) the old MOT Certificate; and c) the Notification of Refusal to issue an MOT Certificate (VT30). We shall only be liable in respect of any repairs where we have issued an authorisation number to the authorised repairer prior to the commencement of the authorised repair. The authorised repairer will contact us to establish if the parts involved in the repair are included in this MOT Test Insurance. 2. Claims must be received by us within thirty (30) days of the date of completion of repairs, otherwise they may not be accepted. Claims received after this date will be subject to review in terms of the reason for delay and it will be at our discretion to agree such claims. 3. We reserve the right to examine the vehicle and, subject to any damage, to an independent expert assessment before commencement of any repairs. It shall be clearly understood and agreed that in the event of any dispute arising as to the extent of our liability, the decision of the independent assessor shall be final and binding on both you and us. 4. Following completion of repairs, the repair invoices and any supporting documents, which may include this policy document, will be forwarded by the authorised repairer to us to obtain reimbursement. However, you must pay directly to the authorised repairer at the time of the repair any additional costs not covered by, or in excess of, the terms of this insurance, or VAT where you are registered for VAT. 5. When the authorised repairer forwards documentation to us on your behalf, we will be deemed to have authority to receive payment direct from us for the cost of repairs. Where you wish to claim on your own behalf, you must produce evidence for us that the authorised repairer has been paid for their work. 6. Where necessary, the policy documents will be posted back to you following review by us. Once returned, you should check the documents are intact. Page 18 of 22

19 General Terms Applicable Law This policy will be governed by and interpreted in accordance with the laws and practice of England. The courts of England will have exclusive jurisdiction to settle any disputes arising out of or in connection with this policy. Basis of contract Any reference to basis of the contract in this policy or in the proposal form (if any) is of no effect. Duty of fair presentation You must make a fair presentation of the risk (as set out in the Insurance Act 2015 or successor or amending legislation) in proposing for, or proposing to vary, this insurance. Duty of fair presentation remedies for breach proposing for this insurance If you or anyone acting on your behalf breaches your duty of fair presentation then our remedies shall be as follows: 4.1 if such breach is deliberate or reckless, we may: a) treat this policy as having been terminated from its inception; and b) retain the premium; 4.2 if such breach is not deliberate or reckless and we would not have entered into this policy but for the breach, we may by notice to you treat this policy as having been terminated from its inception in which case we shall return the premium; and 4.3 in all other cases if, but for the said breach, we would have entered into this policy but: a) on different terms (other than terms relating to the premium), we may require that this policy is treated as if it had been entered into on those different terms from the outset; or b) would have charged a higher premium, we may reduce proportionately the amount to be paid on a claim (and, if applicable, the amount already paid on prior claims). In those circumstances, we shall pay only X% of what it would otherwise have been required to pay, where X = (premium actually charged/higher premium) x 100. Duty of fair presentation remedies for breach variation If you or anyone acting on your behalf breaches your duty of fair presentation in relation to a variation of this policy, our remedies shall be as follows: 5.1 if such breach is deliberate or reckless, we may: a) by notice to you treat this policy as having been terminated from the time when the variation was concluded; and b) retain the premium; 5.2 if such breach is not deliberate or reckless, and we would not have entered into the variation but for the breach, we may treat this policy as having been terminated from the time when the variation was concluded, in which case we shall return the relevant premium; and 5.3 in all other cases if, but for the said breach, we would have entered into the variation but: a) on different terms (other than terms relating to the premium), we may require that the variation is treated as if it had been entered into on those different terms from the outset; b) would have increased the premium by more than it did or at all, we may reduce proportionately the amount to be paid on a claim arising out of events after the variation. In those circumstances, we shall pay only X% of what it would otherwise have been required to pay, where X = (premium actually charged/higher premium) x 100; or c) would not have reduced the premium by as much as it did or at all, we may reduce proportionately the amount to be paid on a claim arising out of events after the variation. In those circumstances, we shall pay only X% of what it would otherwise have been required to pay, where X = (premium actually charged/reduced total premium) x 100. Page 19 of 22

20 Fraudulent claims 6.1 If you or anyone acting on its behalf makes a fraudulent claim under this policy, we: a) are not liable to pay the claim; b) may recover any part of the claim already paid from the relevant insured; and c) may by notice to you treat this policy as having been terminated with effect from the time of the first fraudulent act, in which case we are not liable to that insured in respect of a relevant event occurring after that time and may retain any premium. 6.2 These remedies shall not be available against any other entity insured under this policy that was not implicated in the fraud. Material changes during the policy period 7.1 You must notify us within thirty (30) days of any material change to the insured, your business or the risks insured if indemnity under this insurance is sought in relation to any such change. 7.2 We shall not indemnify you for any liability arising out of a material change for which indemnity would otherwise have been available under this insurance unless we have provided valid confirmation of cover, whether by an express term of this policy, endorsement, written confirmation or otherwise. Privacy and the Data Protection Act 1998 Any personal data provided to the insurer will be processed in compliance with all applicable laws and regulations and in accordance with the privacy notice which can be found at Alternatively the insured may contact the insurer s Data Protection Officer to request a copy of the full privacy notice by dpo@uk.qbe.com or by writing to the: Data Protection Officer, [QBE European Operations, Plantation Place, 30 Fenchurch Street, London EC3M 3BD]. Records We may hold documents relating to this insurance and any claims under it in electronic form and may destroy the originals. An electronic copy of any such document will be admissible in evidence to the same extent as, and carry the same weight as, the original. Page 20 of 22

21 Transfer of Insurance Upon the sale of your vehicle, this policy of insurance may be transferred to the new owner, provided you can demonstrate to the administrator that servicing has been carried out in accordance with the manufacturer's recommended frequency and content. Alternatively, please refer to the Cancellation section of this document. To affect the transfer, the new owner must, within seven (7) days of purchasing the vehicle, forward the following details to the administrator. No transfer request shall be processed without this. Any transfer will not be accepted if the vehicle is sold to or through a motor trader. Important notice IN THE EVENT THAT YOU WISH TO TRANSFER THIS POLICY, ANY FORD PROTECT USED AA ROADSIDE ASSISTANCE BOOKLET THAT YOU PURCHASED AT THE SAME TIME AS THE POLICY WILL BE AUTOMATICALLY TRANSFERRED TO THE NEW OWNER. PART 1 YOU MUST FILL IN THIS SECTION I sold my vehicle privately on dd/mm/yyyyy / / I want to transfer this policy of insurance to the new owner. New owner s details Title/Initials/Surname : Address : Telephone number Vehicle details Policy No Vehicle Registration No Mileage at date of transfer :. :.. : : Signature: Date : PART 2 THE NEW OWNER MUST FILL IN THIS SECTION 1. I have read and fully understand the contents of this policy booklet and accept its terms, conditions and exclusions. I have also read the schedule and accept any limitation that may apply to me such as that I do not have cover for all the sections or optional benefits. 2. I certify that a) the vehicle has been serviced according to the manufacturer s service recommendations; and b) the details in Part 1 above are correct. 3. I understand that the policy will not be transferred to me until the administrator has accepted this request for transfer. I will then take the place of the former owner as the vehicle owner. Signature (new owner) :.. Date : Page 21 of 22

22 QBE European Operations Plantation Place 30 Fenchurch Street London EC3M 3BD tel +44 (0) fax +44 (0) QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no ('QIEL'), QBE Underwriting Limited, no ('QUL'), QBE Management Services (UK) Limited, no ('QMSUK') and QBE Underwriting Services (UK) Limited, no ('QSUK'), whose registered offices are at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD. All four companies are incorporated in England and Wales. QIEL and QUL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives of QIEL and QUL. Page 22 of 22