CSMA Total Loss Compensation Handbook
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1 CSMA Total Loss Compensation Handbook 1
2 Benefit of Cover Provides up to 12 months cover and, in the event of a Total Loss, pays a fixed financial benefit of 25% of the Motor Insurance Settlement Amount (or equivalent), subject to the policy terms and conditions listed below. Motors Insurance Company Limited (hereinafter called we, us, our) agrees to insure you for the benefit noted below subject to the payment of the Premium, the Policy Terms and Conditions and the maximum claim limit of 10,000. I have signed this policy on behalf of the insurer. Gary Whitelam For Motors Insurance Company Limited Registered in England No Important Your Total Loss Compensation insurance policy is underwritten by Motors Insurance Company Limited (MICL) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 2
3 Definitions Administrator Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG. Inconvenience Compensation A payment in relation to uninsured expenses such as road tax, personal effects, fuel, medical and legal expenses, loss of income or, whilst awaiting a replacement vehicle, car hire and other transportation costs. Insured Customer The person or company who is named in the Schedule as the policyholder and who has paid, or has had it paid on his/her behalf, the appropriate Premium for this insurance. Insured Value The Motor Insurance Settlement Amount or, in the event that the motor insurer provides a replacement vehicle instead of a Motor Insurance Settlement Amount, the value of the vehicle at the date of the incident which gave rise to the Total Loss by reference to Glass s Guide Retail Value (or similar publication). Motor Insurance Policy Means a fully comprehensive policy of motor insurance. The motor insurance must be issued by an authorised UK motor insurer and maintained in the name of the Insured Customer throughout the Period of Insurance. Motor Insurance Settlement Amount The amount paid by the Insured Customer s motor insurer as full and final settlement in relation to a Total Loss, after any motor insurance excess or other cost (such as unpaid premiums or arrears) has been applied. Period of Insurance Up to 12 months from the purchase date of this insurance as defined in the Schedule. Schedule The document that names you as the policyholder and sets out what this policy covers you for. 3
4 Definitions (cont) Territorial Limits England, Scotland, Northern Ireland, Wales, Isle of Man and the Channel Islands. Total Loss Where an Insured Customer has claimed under their Motor Insurance Policy in respect of a written-off Vehicle where the incident which gave rise to the claim occurred during the Period of Insurance and the claim has been settled, with the Vehicle salvage forfeited and a payment made or replacement car provided by the motor insurer in full and final settlement. Vehicle The Vehicle shown in the Schedule which was registered and is principally used in the UK. The following vehicles are specifically excluded: Any vehicle not mentioned in Glass s Guide, commercial vehicles, emergency vehicles, kit cars, imports, taxis, driving school vehicles, buses, trucks, heavy goods vehicles, scooters, mopeds, motorcycles, motorhomes, invalid carriers or vehicles used for road racing, rallying, pace-making, speed testing or any other competitive event (including track days) or any vehicle which has been modified other than in accordance with the manufacturers specifications and any make of vehicle not built for principal sale in the UK. 4
5 Insurance Provided In the event of a Total Loss a sum shall be paid of 25% of the Insured Value (which shall include Inconvenience Compensation). The maximum amount that we will pay in respect of a claim under this insurance shall not exceed 10,000 including VAT. 5
6 Conditions 1. Any payment of benefit under this Policy is conditional upon the Insured Customer being covered by a fully comprehensive Motor Insurance Policy for the duration of this Policy. 2. If any claim under the policy shall be in any respect fraudulent or if any fraudulent means or devises are used by the Insured Customer or anyone acting on his behalf to obtain benefit under this Policy, all benefit hereunder shall be forfeited and we will be entitled to recover all benefits paid hereunder directly or indirectly as a result of such fraud or fraudulent means or devises. 3. The VAT content of a claim will not be paid if you are VAT registered. 4. Cover will cease in the event of a claim or Motor Insurance Policy cancellation or termination, with no refund of premium. 6
7 Exclusions This insurance does not apply: 1. In respect of any incident which gives rise to Total Loss arising from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, acts of terrorism, military or usurped power or confiscation or nationalisation or requisition of destruction of or damage to property by or under the order of any government or public or local authority; 2. In respect of loss of use of the Vehicle or any other costs that are directly or indirectly caused by the event which led to the Total Loss except to the extent that they are covered by Inconvenience Compensation; 3. If the financial loss suffered is covered by any other insurance or warranty, including guaranteed asset protection (GAP) insurance cover; 4. To any Vehicle owned by a garage, motor trader, finance provider, insurance broker or any associated motor trade company. 7
8 Claims Conditions In the event of any loss or damage which may give rise to a claim the Insured Customer should: 1. Contact the Administrator on for a claim form. 2. Supply all information and assistance that we may reasonably require in establishing the amount of any payment under this insurance, including original documentation. 8
9 Termination of Cover and Benefit This insurance cover and the benefits provided shall be automatically terminated if any of the following occur: 1. The sale or transfer of ownership of the Vehicle. 2. Non-payment of the insurance premium after 14 days of the policy purchase date. 3. The cancellation or termination of the Motor Insurance Policy. 9
10 Fraud All benefits under this insurance are forfeited if a fraudulent claim is made. 10
11 Cancellation Rights We hope that you will be happy with the cover your policy provides. However, you have the right to cancel it within 30 days of receiving the policy document, without giving any reason. If that happens, we will refund your payment in full. Should you wish to cancel within this period, please contact the administrator on for a refund of any premium you are entitled to. If you wish to cancel your policy after this 30-day period, you may cancel your policy at any time and receive a pro rata refund of your premium based on the number of whole months remaining subject to the deduction of a cancellation fee of 30. Requests for cancellation outside of the first 30 days from purchase should be made by contacting the administrator on or in writing to: Car Care Plan Ltd, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG. There will be no refund entitlement under the following circumstances: - In the last 30 days of cover. - If you have made a claim. - Where the warranty has been transferred from the original purchaser. Please allow up to 28 days for your cancellation and refund to be processed. 11
12 Complaints and Arbitration How to Make a Complaint We hope that you will be pleased with the service we provide. In the unlikely event of a complaint, you should contact the administrator in the first instance by contacting the administrator on or in writing to: Car Care Plan Ltd Jubilee House 5 Mid Point Business Park Thornbury West Yorkshire BD3 7AG. You can also us at complaints@carcareplan. co.uk. If you remain dissatisfied, please contact the Insurer directly by writing to: The Insurance Manager Motors Insurance Company Limited Jubilee House 5 Mid Point Business Park Thornbury West Yorkshire BD3 7AG You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: or We abide by the Motor Industry Vehicle Warranty Products Code of Practice which can be found on The Motor Ombudsman Website at www. TheMotorOmbudsman.org. The Motor Ombudsman will offer free impartial information and if appropriate an alternative dispute resolution process in the event that You are not satisfied with the outcome of a concern. For further information, You can visit The Motor Ombudsman website at org or call their Information Line on
13 Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit. For further information about the scheme (including the amounts covered and eligibility to claim) you can contact the FSCS helpline on or , visit the website or write to Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU. Insurer Motors Insurance Company Limited ( the insurer ) will provide the Insurance outlined in the policy document, on the condition that you have paid the premium for the cover that you have chosen. All the terms, exceptions and conditions shown in the policy document will apply to this Insurance. Motors Insurance Company Limited is an incorporated company limitedby shares. Registered Office: Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG. Registered in England No Privacy and Data Protection Notice 1. Data Protection Car Care Plan Limited (the Data Controller ) are committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation ( Legislation ). Below is a summary of the main ways in which the Data Controller processes your personal data. For more information please visit 2. Use of your Personal Data The Data Controller may use the personal data it holds about you for the purposes of providing insurance, handling claims and any other related purposes (this may include underwriting decisions made via automated means), for offering renewal, research or statistical purposes and to provide you with information, products or services that you request from the 13
14 Data Controller or which the Data Controller feels may interest you. The Data Controller will also use your data to safeguard against fraud and money laundering and to meet the Data Controller s general legal or regulatory obligations. 3. Disclosure of your Personal Data The Data Controller may disclose your personal data to third parties involved in providing it with products or services, or to service providers who perform services on the Data Controller s behalf. These include group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, fraud detection agencies, loss adjusters, external law firms, external auditors and accountants, regulatory authorities, and as may be required by law. 4. International Transfers of Data The Data Controller may transfer your personal data to destinations outside the European Economic Area ( EEA ). Where the Data Controller transfers your personal data outside of the EEA, the Data Controller will ensure that it is treated securely and in accordance with the Legislation. 5. Your Rights You have the right to ask the Data Controller not to process your data for marketing purposes, to see a copy of the personal information held about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to ask for a copy of your data to be provided to any controller and to lodge a complaint with the local data protection authority. 6. Retention Your data will not be retained for longer than is necessary, and will be managed in accordance with the Data Controller s data retention policy. In most cases the retention period will be for a period of seven (7) years following the expiry of the contract, or the Data Controller s business relationship with you, unless the data must be retained for a longer period due to business, legal or regulatory requirements. If you have any questions concerning the Data Controller s use of your personal data, please contact The Data Protection Officer, Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG, England. 14
15 CSMA TLC administered by Car Care Plan Jubilee House, 5Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG E /
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