CONTENTS. ... That s Why We Created TAG Insure Ltd.

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2 CONTENTS When a vehicle breaks down, whatever the reason may be, the frustration and inconvenience caused can be immeasurable. It is not just the cost of putting it right; it is the time and hassle involved in organising the repair of your vehicle. Being without your car for any period of time means disruption to daily life, being unable to get to important events or visit family and friends.... That s Why We Created TAG Insure Ltd. We believe that when something goes wrong, you should be supported from the very start. We ensure this through the range of our warranties and high level of service that we provide. We believe that warranty holders deserve to have their cases dealt with efficiently and effectively by professional and friendly staff who care about getting you back on the road as quickly and as easily as possible. CONTENTS PAGE Your Mechanical Breakdown Insurance Standard Protection Advantage Protection Ultimate Protection 8 Included Benefits 9 Optional Upgrades 10 Important Information 11 Claims Procedure 12 Cancellation 13 Complaints 14 Terms And Conditions So, whatever your level of cover and whatever happens to your vehicle, we assure you that you will receive a service filled with dedication and commitment. All of our customers are important to us because we are drivers too. 2

3 YOUR MECHANICAL BREAKDOWN INSURANCE CONTRACT OF INSURANCE Your Mechanical Breakdown Insurance policy is administered by Advent Solutions Management Ltd. and underwritten by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE, Registered in England No.SE Registered Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AJ DEFINITIONS The words or expressions detailed below have the following meaning wherever they appear in this policy and will appear with a capital letter. Administrator Advent Solutions Management Ltd, Cornhill, London EC3V 3QQ Telephone: Claims Administrator TAG Insure Limited, Unit 8 Abbots Business Park, Primrose Hill, Kings Langley, Hertfordshire, WD4 8FR. an appointed representative of Phoenix Financial Consultants Limited, (FCA registration number ). Telephone: Claims Excess The first amount of each claim will be payable by the named individual listed on the policy. Claim Limit The maximum amount that can be claimed under the policy for each Mechanical Breakdown as stated on Your Policy Schedule. The total amount claimable during the Period of Insurance is restricted to the Market Value of the Vehicle on the date of purchase of Your Policy. Consequential Breakdown A Mechanical Breakdown caused by the failure of a non-covered component. Consequential Loss If the failure of a covered component causes another covered component to fail. (consequential damage does not include driver abuse/neglect or continued use after the initial event). 3

4 MECHANICAL BREAKDOWN INSURANCE ICME Autodata Insured / You / Your Insurer / We / Our Institute of Chartered Mechanical Engineers manual used by the motor industry as a means to establish labour repair times. A manual used by the motor industry as a means to establish labour repair times. Registered owner of the Vehicle forming the subject matter of this insurance and as shown on Your Policy Schedule. UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE. NOTE: Advent Solutions Management Limited is authorised and regulated by the Financial Conduct Authority (FCA Number ). Its registered office is at Oakwood House, Guildford Road, Bucks Green, Horsham, West Sussex, RH12 3JJ. It is registered in England no: The Auto Group and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Reinsurance (UK) SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The names, addresses and regulatory status of each company can be checked by visiting the FCA website at The Financial Conduct Authority (FCA) is the independent watchdog set up by the government to regulate financial services in the UK, and to protect the rights of the retail customer. WHAT IS COVERED? UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE cover you against loss due to Mechanical or Electrical Failure of certain parts listed under your relevant level of cover during your policy period. Only parts, labour and VAT are covered up to your appropriate claim limit listed on your Policy Schedule. Please refer to Your Policy Schedule for details of the Claim Limit applicable to Your policy. WHAT IS NOT COVERED? Items which would require periodic change i.e. service items, tyres, exhaust, brake friction materials etc. Excludes components subject to manufacturer s recall or under manufacturer s warranty. Any vehicles that have not adhered to manufacturer s service intervals. Excludes any cost/damage that are indirectly caused, parts not fitted correctly, or defects present at the time of sale. Please refer to Your Policy Schedule for details of which level of cover is applicable to your policy and find the full list of what is NOT Covered under this level of cover in this booklet. 4

5 STANDARD PROTECTION Engine Big end bearings Camshaft followers Connecting rods Crankshaft Cylinder bores Cylinder head Cylinder head gasket (excluding oil leak) Distributor drive Engine casings (if damaged by internal component) Exhaust valves Flywheel (solid) Gudgeon pins Inlet valves Main bearings Manual Gearbox Baulk rings Bearings Factory fitted overdrive units Gear selector forks Gearbox casings (if damaged by an internal Automatic Gearbox Bearings Brake bands Bushes Casings (if damaged by an internal component) Clutches Drive plate Governors Suspension Front coil springs Oil pump Oil pump drive gears Piston rings Pistons Push rods Ring gear Rocker assembly Stretched head bolts Timing belts (subject to correct replacement schedule having taken place) Timing chain tensioner Timing chains Timing gears Valve guides Valve springs component) Gears Shafts Speedometer drive Synchromesh hubs Transfer box components Modulator valve Oil pump Shafts Solenoids Speedometer drive Torque converter Valve block Rear coil springs Drive Train Bearings Casings (if damaged by an internal component) Constant velocity joints (excluding rubber gaiters) Crown wheel Driveshafts Halfshafts Electrical Alternator Front wiper motor Indicator switch Clutch Clutch cover diaphragm Clutch fork Clutch master cylinder Clutch release bearing Steering Pinion gear Planet carriers Planet gears Propshaft Support bearings Universal joints Valve block Rear wiper motor Relays Starter motor Slave cylinder Torque springs (clutch centre plate) Hydraulic PAS Steering box steering pump Steering idler PAS steering motor Rack and pinion assembly (excluding rubber gaiters) Brakes Brake calipers (Including seizure) Fuel System Carburettor Primary fuel pump (electric) Wheel bearings Front wheel bearings Brakes master cylinder Secondary fuel pump (electric) Rear wheel bearings Standard protection includes the items listed in this section, plus any components or benefits as listed in the further benefits table. Specific individual claim limits may apply. 5

6 ADVANTAGE PROTECTION Engine Big end bearings Camshaft followers Connecting rods Crankshaft Cylinder bores Cylinder head Cylinder head gasket (excluding oil leak) Distributor drive Engine casings (if damaged by internal component) Exhaust valves Flywheel (solid) Gudgeon pins Inlet valves Main bearings Manual Gearbox Baulk rings Bearings Bushes Factory fitted overdrive units Gears Gear selector forks Automatic Gearbox Bearings Brake bands Bushes Casings (if damaged by an internal component) Clutches Drive plate Governors Suspension Anti roll bar bushes Anti roll bar link bushes Ball joints Front coil springs Lower wishbone bushes MacPherson struts Rear coil springs Oil pump Oil pump drive gears Piston rings Pistons Push rods Ring gear Rocker assembly Stretched head bolts Timing belts (subject to correct replacement schedule having taken place) Timing chain tensioner Timing chains Timing gears Valve guides Valve springs Gearbox casings (if damaged by an internal component) Shafts Speedometer drive Synchromesh hubs Transfer box components Modulator valve Oil pump Servos Shafts Solenoids Speedometer drive Torque converter Valve block Self levelling displacer unit Self levelling pump Self levelling regulator valves Shock absorbers Suspension arms Swivel joints Upper wishbone bushes Drive Train Bearings Bevel gears Constant velocity joints (excluding rubber gaiters) Crown wheel Driveshafts Electrical ABS ECU Air conditioning pump Relays Alternator Auto gearbox ECU Central locking motors Central locking solenoids Electric window lift motors Steering Hydraulic PAS steering pump PAS steering motor Power assisted steering ram Rack and pinion assembly (excluding Clutch Clutch centre plate frictional material (for oil contamination) Clutch cover diaphragm Clutch fork Wheel Bearings Front wheel bearings Hubs Fuel System Airflow meter Carburettor Diesel injection pump Exhaust gas Idle control valve Pinion gear Planet carriers Planet gears Propshaft Support bearings Universal joints Front wiper motor Horn Indicator switch Radiator electric fan motor Rear wiper motor Regulator Starter motor Starter motor solenoid rubber gaiters) Reservoir Steering box Steering idler box Steering column Clutch master cylinder Clutch release bearing Clutch slave cylinder Torque springs (clutch centre plate) Rear wheel bearings Mechanical fuel pump Primary fuel pump (electric) Secondary fuel pump (electric) 6

7 ADVANTAGE PROTECTION Cont. Brakes ABS pump Brake calipers (including seizure) Brake limiter valve Cooling System Engine cooling radiator (excluding oil cooler and inter-coolers) Heater matrix Turbo Bearings Factory fitted turbo unit (excluding heat shield) Brake master cylinder Servo brake pumps Wheel cylinders Thermostat Thermostat housing Viscous fan coupling Water pump Seals Shafts Turbines Wastegate Advantage protection includes every component listed under the Standard protection, plus the items listed in this section and any components or benefits as listed in the Further Benefits table. Specific individual claim limits may apply. 7

8 ULTIMATE PROTECTION ULTIMATE PROTECTION INCLUDES EVERY COMPONENT LISTED UNDER ADVANTAGE PROTECTION. PLUS... All other mechanical and electrical components of the vehicle due to a mechanical or electrical breakage or failure, resulting in a sudden malfunction. Excluded items will not be covered, unless listed in the further benefits table. Specific individual claim limits may apply. Excluded Items Aerials Air-bags All light units, bulbs and bulb holders All service components and items which require periodic replacement All wiring looms and harnesses Ancillary components Bodywork Bolts and fixings Brake cables, brake linkage, frictional materials, hoses and pipes Car telephone Chassis Coolant hoses and pipes Door locks/barrel/mechanism/electric tailgates Electric handbrake and mechanism Electric roof mechanism Engine and gearbox mountings Exhaust system and mountings Exterior trim/interior trim External gearbox linkage Front and rear windscreen heater elements Front and rear wiper linkage Fuel tank/lines Gaskets and oil seals (excl Head gasket) Glass/mirrors Handbrake and mechanism Heated seat elements Keys and remote key fob Oil leaks Oil supply and feed pipes Perished pulley dampers Power steering pipes and hoses Road wheels Seat belt webbing, pretensioners, buckles and fixings Steering lock/barrel/mechanism Tyres 8

9 INCLUDED BENEFITS STANDARD (Maximum Claim) ADVANTAGE (Maximum Claim) ULTIMATE (Maximum Claim) Air con re-gas** Battery cover (for first six months)* N/A Catalytic converter N/A N/A 250 Consequential damage (to other covered items) Yes Yes Yes Consumables (as part of a valid repair) Cylinder head skim Diagnosis** N/A Up to 1 hour Up to 1 hour Diesel particulate filter (repair or replace) N/A N/A 250 Dual mass flywheel European cover Yes - 90 days Yes - 90 days Yes - 90 days In car entertainment (factory fitted) N/A Injector cover N/A N/A 250 Instrument clusters (repairs only) N/A N/A 150 Instrument gauges N/A Policy transfer (to a private customer) Fee - 25 Fee - 25 Fee - 25 Rail fares/hotel expenses** Renewal Possible Possible Possible Satalite navigation (factory fitted) N/A Vehicle hire ( After 24 hours of the claim being received in full)** N/A 25 (max 5 days) 40 (max 5 days) Vehicle recovery** Wheel alignment** Items covered for wear related failure (up to 100,000 miles) Wheel bearings, Coil springs, Shock absorbers As Standard cover plus: Piston rings, Cylinder bores, Valve guides, Timing chain, Timing chain tensioner, Manual gearbox bearings, Clutch release bearing, Fuel pump. As Standard and Advantage cover plus: Internal engine components, Internal manual gearbox components, Internal automatic gearbox components, Drive train differential components, Diesel fuel pump, Turbo, Water pump, Steering rack. *Battery cover is excluded for the first 14 days from inception of the policy ** As part of a valid repair / as part of your claim limit. 9

10 OPTIONAL UPGRADES Additional cover on request Air-bag unit & sensors Are not covered under our policy but can be covered at an additional cost Door lock barrels Are not covered under our policy but can be covered at an additional cost Heated & air conditioned seats Are not covered under our policy but can be covered at an additional cost Hire & reward/ commercial Are not covered under our policy but can be covered at an additional cost Increased labour rates Your standard labour rate will be highlighted on your policy certificate, this can increased at an additional cost up to a maximum of 150 per hour. Manufacturer parts This policy covers you for non OE/pattern parts as standard, manufacturer parts can be added at an increased cost. Power hood/ sunroof cassette Are not covered under our policy but can be covered at an additional cost Road Rescue We have designed a bespoke road rescue product to ensure that in the event of a breakdown you are not left stranded. Please speak to TAG Insure Ltd. Sales team for further information. Battery cover is excluded for the first 14 days from inception of the policy 10

11 IMPORTANT INFORMATION You must ensure that no work of any description is carried out on the Vehicle without the express authorisation of the Claims Administrator. It must be clearly understood that costs for any other work started or completed before authorisation has been given will be the responsibility of the Insured and will automatically invalidate any claim under this policy. We reserve the right to direct or redirect a claim to one of our approved repairers in order for repairs to be completed. Where You wish to nominate a repairer, the labour content of any claim will be limited to the Claims Administrator s approved labour rate and standard ICME/Autodata repair times. It will be Your responsibility to pay the costs of dismantling and repairing the Vehicle if the cause of the breakdown is not covered by this policy and, if it is covered, all costs which exceed the Claim Limit as stated on Your Policy Schedule and any Claims Excess that may apply. You are responsible for paying for any other work You ask the repairer to carry out. Payment: When the repairs have been completed, the repairer or customer must submit the fully completed claim form and repair invoice. The invoice must be addressed to the Claims Administrator and clearly show the authority number given in connection with those repairs. The invoice must show whom the Claims Administrator should pay, and give full details of the repair including all components used in the authorised repair, labour and VAT. 11

12 CLAIMS PROCEDURE Important - Please read this section carefully Step 1. If you have a fault with your vehicle please arrange to take it to a reputable VAT repairer. If you are unsure of who to use for repair then please telephone our claims team on who will be happy to direct you to a local specialist where possible. Step 2. Provide our repairer with a copy of your cover document and ask them to call us on or us on info@theautogroup.co.uk, preferably after diagnosis has taken place (customer is responsible for giving permission for initial diagnosis). Step 3. It may be necessary for parts to be dismantled. If we approve your repair, we will pay for this work (subject to it being deemed reasonable). If we do not approve the repair then you will be responsible for the costs involved. Step 4. If in the event that we approve the repair, we will issue a repair confirmation form. PLEASE NOTE: your excess amount (shown on your cover document) will be deducted from the overall amount we agree to pay. You will be responsible for paying any further amount required by your repairer. Step 5. Once a repair authorisation form has been issued, it remains valid for a period of 3 months. After this the repair authority is automatically withdrawn. Failure to carry out the work and to return all relevant documentation for reimbursement within this period will result in authority being withdrawn. PLEASE NOTE: 1. You will be responsible for any excess (shown on your cover document) and any work completed which was not authorised or covered by this policy. 2. If a repairer has been instructed outside of our network then please make sure the repairer contacts us before any works are carried out so we can advise them of the correct procedure and the invoicing arrangements if authorised. 3. Failure to follow the claims procedure will result in the claim being rejected. 4. TAG Insure Ltd. will only accept work completed by a VAT registered garage. Failure to have the work completed will result in the claim approval being retracted. 12

13 CANCELLATION YOUR RIGHT TO CANCEL You have the right to cancel this cover within 30 days of receipt of the policy document without giving any reason and receive a full refund. You should contact the Administrator by recorded delivery letter, fax or who will arrange the refund. If You wish to cancel this policy after the 30 day cooling off period, You must send a recorded delivery letter to the Administrator. If You cancel this policy after the 30 day cooling off period, there will be no refund available. We will cancel this policy with immediate effect if you are suspected of any fraudulent activity. 13

14 COMPLAINTS FOR COMPLAINTS REGARDING A CLAIM ON YOUR POLICY Please contact the Claims Administrator: TAG Insure Limited, Unit 8 Abbots Business Park, Primrose Hill, Kings Langley, Hertfordshire, WD4 8FR If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall Docklands London E14 9SR Data Protection Act 1998: Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. 14

15 TERMS AND CONDITIONS 1. This policy is provided by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE to cover the loss due to Mechanical or Electrical Failure of certain parts listed under Your relevant level of cover during Your policy period. Only Parts, labour and VAT are covered up to Your appropriate Claim Limit listed on Your policy Certificate. Please refer to Your Policy Certificate for details of the Claim Limit applicable to Your policy. 2. Items that require periodic replacement i.e. service Items, tyres, exhausts, brake friction materials etc, components subject to manufacturers recall or under manufacturer s warranty, Fire, collision, damage caused by weather related incidents, damage caused by lack of use of antifreeze, fluid leaks and damage occasioned by faulty workmanship, any Vehicles that have not adhered to manufacturer s service intervals, any cost/ damage that are indirectly caused, parts not fitted correctly, or defects present at the time of sale are not covered under this policy. 3. The following limitations apply: Ultimate 80,000 miles or 8 years, Advantage 120,000 miles or 12 years and Standard any age, any mileage. If your vehicle falls out of these parameters additional premiums will apply. 4. To process a claim you must be the registered owner of the vehicle, evidence may be required. 5. The following vehicles are excluded from cover: Aston Martin, Bentley, Bristol, Bugati, Cosworth, De Tomaso, Delta Integrare/8.32, Ferrari, F1, Lamborghini, Lancia, Maclaren, Maserati, Rolls Royce. 6. This policy does not cover: any incident occurring within the latter of the first 30 days or 1,000 miles since the inception of the policy. Commercial vehicles, any Vehicle designed to carry more than 8 people, motor cycles, mopeds, any left hand drive vehicle, any kit car, vehicles which have been modified in any way from the manufacturer s specification, components which have been modified in any way from the manufacturer s specification, vehicles owned temporarily or otherwise (resulting from trade-in or acquisition for the purposes of resale) by a business formed for the purposes of selling or servicing Vehicles, or Vehicles used for competition, racing, pace making, hire or reward including but not limited to taxis and courier vehicles, off road use. 7. The repair labour rate payable will be to a maximum of 50 per hour (Inclusive of VAT), unless stated otherwise on your policy schedule. The optional upgrades make up part of the policy claim limit and include parts, labour and VAT. TAG Insure Ltd. will only accept claims from a VAT registered garage. 8. Under this policy we accept no liability for loss of use, inconvenience, lost time, commercial losses or any other incidental or consequential loss. 9. This policy will not cover any liability in the event of any misrepresentation or concealment made by You or on Your behalf in support of obtaining the Policy or any claim on Your Policy. 10. The following vehicles are exempt from this policy: goods vehicles, emergency service vehicles, rental vehicles, public or private hire or vehicles designed to carry more than 8 people including the driver. 11. Vehicles that have had the manufacturer s warranty or guarantee removed will not be covered by this policy. 12. This policy does not cover vehicles that have been modified from manufacturer s specification or where the milometer has been altered or disconnected. 13. Issues caused by or arising from the following will not be covered under this policy: Overheating, corrosion, carbon build up or the gradual reduction in operating performance commensurate with the age and mileage of the Vehicle, gradual loss of engine compression necessitating the repair of valves or rings, gradual increase in oil consumption due to normal operating functions, the use of a grade of fuel not recommended by the manufacturer of the Vehicle or the ingress of foreign matter into fuel, lubricants or cooling system, the use of inadequate or improper antifreeze protection. 14. This policy does not cover Vehicle neglect, poor workmanship, damage caused by loads greater than the permitted manufacturer recommendation, Fire, self-ignition, lightning, earthquake, explosion, frost, storm, tempest, flood, water damage, theft or attempted theft, aircraft or other aerial devices. 15. Consequential Breakdown, Involving components subject to recall or repair or replacement by the manufacturer or attributable to a manufacturer s design defect or consequential breakdowns that are subject to non-covered parts are excluded from this policy. 15

16 TERMS AND CONDITIONS Cont. 16. The following events are excluded from this policy: Intent or vandalism, ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly, nuclear component thereof, occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. 17. This product does not cover issues relating to fuel, anti-freeze, hydraulic fluids, grease or any other oils. 18. It is important that no work is completed outside of the Claims Procedure; failure to follow the correct procedure will result in the investigatory or remedial work being refused and in some cases prior approval retracted. 19. This policy may be subject to an excess if selected at point of sale, please refer to your policy schedule for further information. 20. As the owner of the policy you will be liable for any servicing or repair work required outside of the policy. All servicing must be completed in line with the manufacturer s specification. Service invoices must be retained as they may be required in the event of a claim. You have a maximum of 1,000 miles or 30 days (whichever is sooner) to have a service completed. Failure to evidence the correct service has been carried out will result in your claim being refused. Any failure that occurs within the 1,000 mile or 30 day period will also be refused. Routine servicing is at the cost of the vehicle owners. Engine and manual/automatic gearbox claims will be refused if the relevant oil and filter changes cannot be evidenced. 21. This policy does not cover extreme/off road use, damage caused by impact or failure due to negligence or excess speed. 22. Any components, which have not failed but have been reported as requiring replacement during routine servicing, MOT s, road testing, health checks, fault code readings and/or repairs or at the time an Insured repair is in progress will not be covered under this policy. 23. Any Vehicle owned by a garage or its associated companies or by the proprietor of such garage or associated companies or by an employee or relative of such proprietor or component breakage occurring whilst the Vehicle is in the custody or control of such persons will not be covered under this policy. 24. This policy accepts no liability for death, bodily injury or loss of or damage to property other than the components listed under the policy. 25. Vehicles where an MOT Certificate is not in force or has expired will not be covered under this policy. 26. No claim will be assessed until full payment of the policy is received 27. The policy does not cover any form of accident however caused. This would be covered under your road risk insurance policy. 28. If the vehicle is sold or disposed of, the policy will come to an end unless the transfer procedure is followed and the transfer is accepted. The policy can be transferred from one private individual to another private individual. This policy is not transferable if the vehicle is sold or returned to a dealer. 29. Components listed as an advisory on the MOT Certificate are not covered under this policy. 30. This policy covers specific listed parts for Wear and Tear where the Vehicle is under 10 Years old or 100,000 miles. 31. Components that are found to be worn out and are not listed under the further benefits page are excluded from this Policy. 32. Any Vehicle declared as an Insurance category A, B, or C Insurance write-off or stolen and recovered prior to the start date of Your policy are not eligible under this Policy. 33. You must comply with the following conditions to have the full protection of Your Policy. If You do not comply with them, We may at Our discretion cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment. 16

17 TERMS AND CONDITIONS Cont. 34. You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: i) supply accurate and complete answers to all of the questions We or the Administrator may ask as part of Your application for cover under this policy; ii) to make sure that all information supplied as part of Your application for cover is true and correct; iii) tell Us of any changes to the answers You have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that Your policy Is invalid and that It does not operate In the event of a claim. 35. Duty of Care. You must not continue to drive the Vehicle after any incident as this could cause further damage to Your Vehicle. 36. This policy will come to an end if any attempt is made to commit fraud, no refund will be made and we may inform the Police of the circumstances. 37. You have the right to cancel this cover within 30 days of receipt of the policy documents without giving reason and receive a full refund. 38. If you wish to cancel this policy after the 30 day cooling off period, you must send a recorded delivery letter to the administrator. If you cancel this policy after the 30 day cooling off period no refund will be available. 39. This Policy will be governed by the law of England and Wales unless You and TAG Insure Ltd. have agreed otherwise. Our liability under this policy will be binding for the Period of Insurance shown on the Policy Certificate. Cover commences on the date of purchase of the policy, or in the case of a Vehicle purchased with a manufacturers guarantee or warranty, from the date commencing immediately after expiry of the manufacturers guarantee or warranty period. 40. Pre-existing faults prior to the purchase date of this policy are not covered under any level of protection. 41. During the Period of Insurance We will repair or replace those components covered by this policy for the cost of the component and labour cost to fit the component up to the Claim Limit specified on the Policy Certificate. 42. This policy will only pay for one repair on any listed part (i.e. we do not pay twice for the same listed part) i) In all cases where possible, we will only pay for motor factor pattern parts, reconditioned/ exchange parts and in exceptional circumstances, with your permission, second hand parts can be used. Original Equipment components will only be approved if there is no alternative. We will also stipulate component repairs where possible. PLEASE NOTE: Customers can request genuine parts rather than exchange or pattern parts and cover the difference or add this option to the policy at inception under the Optional benefits section. ii) Repair times will be assessed and agreed using ICME/Autodata repair time data. iii) The liability of the policy is to return the vehicle to its condition, prior to the failure. 43. We reserve the right to take over and carry out the defence or settlement of any claim after a payment has been made under this policy. Legal action may be taken in the name of the Insured to recover payment from a third party made under this policy. 44. In the event of any occurrence giving rise to a claim, the Insured must follow the procedure set out under the How to make a Claim section of this policy. 45. We reserve the right to inspect the vehicle subject to a claim at our discretion. 46. Where dismantling of a covered component is necessary to determine the validity of a claim, the Insured must authorise any dismantling. Costs Incurred will only be met as part of a valid claim. 47. In the event of a claim and liability having been rejected by Us, We shall not be liable for the claim after the expiry of three months from the date of rejection unless within that time the claim has been processed for arbitration. 48. Under the policy We shall be released from all liability and obligation should the Terms and Conditions of the policy not be compiled with fully. 17

18 TERMS AND CONDITIONS Cont. 49. We reserve the right to direct or redirect a claim to one of Our selected repairers in order for repairs to be completed. Where the Insured wishes to nominate a repairer, the labour element of any claim will be limited to the approved repairer s labour rate unless You have selected the increased labour rate option and paid the additional premium. All repairs are limited to the standard ICME/Autodata repair times and to a maximum labour charge of 50 per hour. Where applicable we reserve the right to inspect any vehicle on cover following receipt of a claim. 50. All benefits under this policy shall be forfeited and the Insurer and Administrator shall be released from all obligations to You if the conditions and How to make a Claim procedures are not complied with or a claim made by You or anyone acting on Your behalf to obtain a policy benefit is fraudulent or intentionally exaggerated; or a false declaration or statement is made in support of a claim under this policy. 51. Complaints procedure; If you have an enquiry or complaint please the administrator at: complaints@theautogroup.co.uk or write to us at TAG Insure Ltd, The Complaints Team, Unit 8, Abbots Business Park, Primrose Hill, Kings Langley WD4 8FR. 52. This information is correct as of 1st July 2016 and is part of the policy certificate. The latest information can be obtained at the point of purchase or you can visit our website 18

19 TAG Insure Ltd I Unit 8 I Abbots Business Park I Primrose Hill I Kings Langley I WD4 8FR Enquiries info@theautogroup.co.uk Claims claims@theautogroup.co.uk We are always happy to help V3 April 2018