SCRATCH & DENT INSURANCE BE SURE... BE INSURED WITH MIS www. misclaims. eu Lifestyle Scratch and Dent - 31/3/14.indd 1 31/03/2014 14:27
Direct Loss We will not pay for any losses that are not directly associated with the incident that caused you to claim, unless expressly stated in this Policy. Contract of Insurance Your Scratch and Dent Insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Ageas Insurance Limited. They are registered in England No. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templar s Way, Eastleigh, Hampshire, SO53 3YA. UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk Definitions The words and expressions detailed below have the following meaning whenever they appear in this policy with a capital letter. Administrator Excess The first amount of each claim payable by you as detailed on the policy schedule. Insured, You, Your Registered owner of the vehicle forming the subject matter of this policy named in the Policy Schedule. Limit of Liability Means the maximum amount the Insurer will pay for any one claim under this insurance during the Period of Insurance under your Motor Insurance Policy. Period of Insurance The period specified in the Policy Schedule between the effective start date and expiry date. Policy Means this Policy of Insurance on their terms and subject to the conditions, limitations and exclusions set out in this document. Repair Means work completed by the Approved Repairer using smart repair processes. Motorists Insurance Services Ltd are responsible for the registration of your policy details and the processing of claims. 2 Territorial Limits Means England, Scotland, Northern Ireland, Wales, Isle of Man and the Lifestyle Scratch and Dent - 31/3/14.indd 2 31/03/2014 14:27
Channel Islands. The Insurer / We / Us / Our Motorists Insurance Services Ltd and UK General Insurance Ltd on behalf of Ageas Insurance Limited. Vehicle The vehicle detailed on the Policy Schedule by reference to make, model and registration number being under 5 years / 60,000 miles at the time of purchase of the policy. Cover Provided by Your Scratch & Dent Insurance Policy Subject to payment of the premium, the Insurer will pay the cost of repairs resulting from minor body damage which has occurred to the vehicle within the geographical limits. The maxium number of claims during the period of insurance shall not exceed three claims in any twelve month period. You will be covered for: Paint Chips, which are less than 1.5cms in diameter Dents not exceeding 150mm in diameter Scratch less tham 150mm in length Paint scuffs less than 150mm in diameter What you are not covered for: This insurance will not cover the following: a) If your vehicle is not listed in Glasses Guide b) A vehicle with a non standard or custom paint finish 3 c) Any Minor Body Damage that in the opinion of the Approved Repairer cannot be repaired using a smart repair or will require the work to be completed by a bodyshop. d) Repair(s) to cracked or deformed bumper e) Minor Body Damage where the paint is cracked, flaked or where any paint had been removed f) Damage not classed as Minor Body Damage by the Approved Repairer g) The excess stated on the Policy Schedule h) Door handles, trim, body mouldings lamps, glass and wheel i) Minor Body damage caused by decals or stickers j) Minor body damage as a result of a road traffic accident k) Claim(s) not reported to MIS Claims with 14 days of the damage occurring l) Where your vehicle is used as an emergency vehicle, or is a taxi, bus, commercial vehicle, moped, scooter or motorcycle m) Your vehicle, if used or dispatch, road racing, track day participation, rallying, pace-making, speed testing or any other competitive event n) General wear and tear, corrosion, pitting, paintwork discolouration o) Minor body damage present prior to the commencement of the policy p) Any act or omission which is wilful or unlawful q) Where the vehicle is located outside of the Geographical Limit of this policy r) Which is the subject of fraud, false actions or dishonesty s) Where the loss is covered by any other insurance t) Variation in paint colour or finish due to age of vehicle. When will your Policy End: Your policy will expire at the earliest of the following: Lifestyle Scratch and Dent - 31/3/14.indd 3 31/03/2014 14:27
The expiry date, as shown on Your Policy Schedule You, or anyone representing you, defrauds or deliberately misleads the Insurer or MIS Claims The vehicle is sold or transferred to a new owner The maximum number of claims under the Policy has been reached. General Exclusions The conditions of this policy are set out below. This insurance is only valid if You agree to these conditions. Please take time to read them. Policy 1. You must take all reasonable steps to prevent damage to the Vehicle 2. You must not act in a fraudlent manner. If You or anyone acting for You make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect, or make a statement in support of a claim knowing the statement to be false in any respect, or submit a document in support of a claim knowing the document to be forged or false in any respect, or make a claim in respect of any damage caused by Your wilful act or with Your connivance then the Insurer: i. Will not pay the claim ii. Will not pay any other claim which has been or will be made under the policy iii. May declare the policy void 3. This policy is not transferrable 4. We will not be liable to complete a Repair under this policy unless You have duly complied with all the terms and conditions contained in this policy that apply to it 4 Claims 1. The Claim(s) must be reported to MIS Claims within 14 days or the damage occurring, if You have access to send electronic images of the damage these should be provided to the MIS Claims 2. Repair(s) under this policy can only be carried out by the Approved Repairer appointed by MIS Claims 3. The Excess must be paid prior to the Approved Engineer attending 4. You and the Vehicle must be available on the day and time slot allocated for the Approved Repairer to attend. Failure to be present when the Approved Repairer attends will result in the forfeit of the Excess and will be counted as a Claim under the policy. 5. Where multiple Repair(s) are conducted by the Approved Repairer, these will be treated as multiple claims under the policy, but shall only be subject to a single Excess. 6. If You need to make a Claim, You must follow the procedures shown under the How to Claim section below. Fraudulent Claims or Statements If any claim or statement made by any Insured Person is in any respect oversateted, false or fraudulent, We will have the right to refuse any claim on this Policy or to void theis Insurance in its entirety. Reporting a Claim You must notify Us immediately, on Our Emergency Helpline number 0828 90 410220, of any circumstance which may give rise to a claim under this insurance and/or Your Motor Insurance. We may be able to offer advice and support in matters relating to any claim and may refer You to Lifestyle Scratch and Dent - 31/3/14.indd 4 31/03/2014 14:27
one of our specialist teams or advisors. Recoveries The Insurer reserves the right to take legal proceedings in Your name, at their own expense and for their own benefit, to recover any costs or damages they made under this insurance from anyone else. If any Insured Person recovers any costs or damages previously paid under this Insurance from any other party, such costs or damages must be immediately repaid to Us. Arbitration Any dispute or difference of any kind between the Insurer and an Insured Person will be referred to arbitration by a single arbitrator. The arbitrator s decision will be final and binding on all parties and the unsuccessful party shall be responsible for any costs incurred by the successful party in the arbitration proceedings as well as their own costs. Please refer to Our complaints procedure. Assignment This Insurance is between and binding upon the Insurer and You and their/your respective successors in title, but this Insurance may not otherwise be assigned by You without the Insurer s prior written consent. Waiver If the Insurer or any Insured Person fails to exercise or enforce any rights at any subsequent time. Governing Law This Insurance is governed by English Law. Third Party Rights Unless expressly stated in this insurance, nothing in this insurance will create any rights in favour of any person pursuant to the Contracts (Rights of Thrid Parties) Act 1999. This condition does not affect any right or remedy, of any person, which exists or is available otherwise than pursuant to that Act. Cancellation Rights You have the right to cancel this Insurance without liability for the premium within 14 days of the date upon which You receive Your Certificate of Insurance provided You have not made a claim. Written notice of cancellation must be given to the insurance broker or agent at the address at which they conducted business with You or to the Insurer in writing. If written notice of cancellation is not given within the 14 day period then You will be responsible for payment of the premium. If You give due notice of cancellation, cover under this Insurance will cease from the date of delivery or posting of the notice of cancellation. We will cancel this Insurance if in Our opinion You have at any time given Us false or incomplete information agreed to help anyone try to take money from Us dishonestly, or failed to meet the terms and conditions of this Insurance or failed to act openly and honestly towards Us We can cancel this Insurance at any time by giving You at least 14 days written notice at Your last known address. You can cancel this insurance at any time. 5 Lifestyle Scratch and Dent - 31/3/14.indd 5 31/03/2014 14:27
Financial Services Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk Data Protection 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. This may involve the transfer of Your information to countries which do not have Data Protection laws. Any personal information provided by You may be held by the Insurer in relation to Your insurance cover. It may be used by Our relevant staff in making a decision concerning Your insurance and for the purpose of servicing Your cover and administering claims. Information may be passed to loss adjusters, solicitors, reinsurers or other service providers for these purposes. We may obtain information about You from credit reference agencies, fraud prevention agencies and others to check Your credit status and identity. The agencies will record Our 6 enquiries; which may be seen by other companies who make their own credit enquiries. We will check Your details with fraud prevention agencies. If you provide false or inaccurate information and We suspect fraud, We will record this. We and other organisations may use these records to: i. Help make decisions on insurance proposals and insurance claims, for You and members of Your household ii. Trace debtors, recover debt, prevent fraud, and manage Your insurance policies iii. Check Your identity to prevent money laundering, unless You furnish Us with satisfactory proof of identity. This may involve the transfer of Your information to countries which do not have Data Protection laws. Under Data Proptection legislation, You can ask Us in writing for a copy of certain personal records held about You. A charge will be made for this service. Consumer Insurance (Disclosure and Representatives) Act 2012 Under this Act it is the duty of the consumer to take reasonable care not to make a misrepresentation to the Insurer either before a Consumer Insurance Contract is entered into or varied. For the purposes of this Act a qualifying misrepresentation is deliberate or reckless if the consumer knew that it was untrue or misleading, or did not care whether or not it was true or misleading, and knew that the matter to which the misrepresentation related was relevant to the Insurer, or did not Lifestyle Scratch and Dent - 31/3/14.indd 6 31/03/2014 14:27
care whether or not it was relevant to the Insurer. Any such misrepresentation could invalidate your insurance cover and mean that part or all of any claim on the policy may not be paid. Claims Procedures the European Economic Area. Customer Service / Complaints It is the intention to give You the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim You should follow the Complaints Procedure below: Contact MIS Claims Immediately in writing at: Beechwood House 37 Comber Road Dundonald N. Ireland BT16 2AA Or by telephoning 028 90 410220 with the following information. Your name, address and vehicle description Your insurance company and intermediary details We will then advise you how to proceed with the claim. Please note we will not be liable to pay any claim referred to us more than 14 days after settlement of the claim under your Motor Policy. 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 7 Complaints regarding: SALE OF THE POLICY Please contact Lifestyle Insurances who arranged the Insurance on Your behalf. Customer Relations Department MIS Claims Beechwood House 37 Comber Road Dundonald N. Ireland BT16 2AA Tel: 028 90 410220 CLAIMS Please contact Motorists Insurance Services Limited In all correspondence please state that Your insurance is provided by UK General Insurances Limited and quote scheme reference 04971. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands London, E14 9SR Tel: 0845 080 1800 The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local Lifestyle Scratch and Dent - 31/3/14.indd 7 31/03/2014 14:27
authority Trading Standards Services or Citizens Advice Bureau. Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from Ageas Insurance Limited. 8 Lifestyle Scratch and Dent - 31/3/14.indd 8 31/03/2014 14:27