Mechanical Breakdown Insurance. Underwritten by AXA Insurance UK plc.
This policy summary does not contain full details and conditions of your insurance – these are
located in your policy wording.

Where headings are shown in blue italics in this policy
summary, full details can be found in your policy wording
using the same headings. To help you locate these within the policy wording, please refer to the contents page detailing the main sections of the policy.

Mechanical breakdown insurance for cars and light commercial vehicles up to 3500kg gross vehicle weight.
This insurance provides cover for repair or replacement
costs, incurred as a result of a breakdown in the UK as
defined in the policy wording. You are insured up to the single claim limit in respect of each claim and the sum insured as a total for all claims. The sum insured will be reduced by the cost of any claim during the period of insurance.

You are eligible for this insurance, provided at inception
and during the period of insurance your vehicle:
• Has a full service history in accordance with the vehicle
manufacturer’s recommendations, as detailed in the
servicing handbook for the vehicle. If your vehicle
does not have a full service history, your vehicle must
be serviced in accordance with the manufacturer’s
recommendations within 28 days of the date of
commencement of the policy.
• Is a car or light commercial vehicle up to 3500kg gross
weight.
• Has had its timing belt changed in accordance with the
manufacturer’s recommendations, as detailed in the
servicing handbook for the vehicle.
• Is permanently registered in the UK.
• Is insured by a motor insurance policy issued by an
insurer authorised in the UK.
• Was imported by the manufacturer or its authorised
importer into the UK.

• Is not included under the section entitled Excluded
Vehicles.
• Is not used for any of the usage specified under the
section of this cover entitled Excluded Vehicle Uses.
• Is not a new vehicle sold without a manufacturer
guarantee.

What is Covered
This insurance covers most of the mechanical, electrical
and electronic parts of the vehicle that were the
manufacturer’s original fitment. Please see What is Not
Covered for a list of items that are not included.
The list below includes some of the items automatically
included under this policy:
• Multi-media pack: (factory fitted).
• Airbag system – all components (excluding Air bag).
• Alarm system (excluding remote transmitters and key
fobs).
In addition to the above, the following non-mechanical and non-electrical components are also covered:
• Casings – following damage caused by any covered
component, following breakdown of that component.
• Catalytic converter – emission failure only.
• Heater matrix – cover for sudden core or joint failure.
• Oil cooler – cover for sudden core or joint failure.
• Radiator – cover for sudden core or joint failure.
• Timing belt – breakage of the timing belt.
• Working materials – where their replacement is
essential due to failure of a covered component.
Claims for mechanical or electrical breakdown of insured
components due to wear and tear will be covered. (see definitions section in the policy wording for definition of
breakdown) NOTE: This policy does not cover the repair or replacement of components which have suffered wear
and tear where no breakdown has occurred.

Other Benefits

In the event of a breakdown as defined in the policy
wording, the following other benefits are automatically
included, subject to single claim limit and sum insured.
• Overnight expenses and onwards travel.
• Overseas use.
• Vehicle hire.
• Vehicle recovery.
Transfer of Ownership
You may transfer the cover available under this section
to a new private owner, subject to our approval. If the
insurance is transferred to a new owner the policy will not be subject to the statutory cancellation period.

Betterment
You will be required to contribute to the repair or replacement costs in
accordance with the table of contributions in the Betterment table.
What is Not Covered and General Conditions
• Your vehicle must be serviced in accordance with
the manufacturer’s requirements during the period of
insurance. You must keep all service invoices as these
will be needed when making a claim.
• Any claims occurring in the first 28 days following the
start date.
• Any repair or replacement after a breakdown that can
be claimed from any more specific insurance
or guarantee.
• Timing belts - where no proof is available of the
replacement of the timing belt in accordance with the
manufacturer’s replacement schedule.
• Any loss or damage caused by incorrect fuel.
• Any loss caused by frost or the freezing of liquids
unless anti-freeze has been added in accordance with
manufacturer’s recommendations.
• Claims arising as a result of using the vehicle for any
of the Excluded Vehicle Uses.
• Vehicles specifically designed for primary sale in
Northern, Southern and Central America.
• Repair or replacement of components which have not
suffered a breakdown as defined in the policy wording.
• Repair or replacement of components to enable
your vehicle to pass the government vehicle testing
requirements (MOT).

The cover duration is variable. You may need to review
this cover periodically to ensure it remains adequate for
your needs. Please refer to your policy schedule which
will show the duration of cover applicable.

You have the right to cancel this policy at any time during
the period of insurance.
If you have paid a premium for the cover and you cancel
within 14 days of the receipt of the policy, we will make a full refund of premium unless you have made a total loss claim. If you cancel after the first 14 days of cover or if you have not paid a premium for the policy, then no refund of premium will be given. Please refer to the Cancelling Your Policy section for full cancellation terms and conditions.

To make a claim, please telephone the claims office on
telephone number 024 7652 7810.

Any complaint you may have should in the first instance
be addressed to A1 Warranty Services customer services
or the claims office, as applicable.
If you are not satisfied with the way in which your
complaint has been dealt with, you should write to the
Head of Customer Care at AXA InsuranceUK plc.
If the complaint is still not resolved, you can approach
The Financial Ombudsman Service. Referral to the
Financial Ombudsman will not affect your right to take
legal action.
Full details of addresses and contact numbers can be
found in the Making Yourself Heard section of the
policy wording.
Financial Services Compensation Scheme (FSCS)
AXA Insurance is covered by the FSCS, which is
triggered when an authorised firm goes out of business.
In this unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for:
• Compulsory insurance is covered in full.
• Non-compulsory insurance is protected in full for
the first £2,000 and 90% of any amount above this
threshold. Full details are available at www.FSCS.org.uk

This policy is underwritten by AXA Insurance UK
plc, Registered in England No. 78950. Registered
Office: 5 Old Broad Street, London, EC2N 1AD. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at  ww.fsa.gov.uk/
register or by contacting them on 0845 606 1234.

This policy is administered by A1 Warranty Services
Limited on behalf of AXA Insurance UK plc. A1 Warranty
Services Limited is an appointed representative of
Global Insurance Management Limited. Global Insurance
Management Limited is authorised and regulated by the
Financial Services Authority.
This can be checked on the FSA’s register by visiting the
FSA’s website at www.fsa.gov.uk/register or by contacting
them on 0845 606 1234.
Please refer to your policy schedule for confirmation of the
cover you have been supplied with or have purchased.
Please read this policy carefully and make sure you
understand and fully comply with its terms and conditions.
Failure to do so may jeopardise the payment of any claim
which might arise and could lead to the policy becoming
void. Please ensure you keep this policy in a safe place
so you can read it again if you need to. Your attention is drawn to the complaints procedure in the section entitled Making Yourself Heard.

The Policy

Your policy is evidence of your contract of insurance with
us. You should read it carefully and keep it in a safe place.In return for having accepted your premium we will, in the event of breakdown occurring in the period of insurance, provide insurance as described in the following pages and referred to in your policy schedule.
The policy contains details of the insurance cover you
have been supplied with or have purchased, what is
excluded from cover and the conditions of this insurance.
The policy should be read in conjunction with the policy
schedule.

The Policy Schedule

This must be kept with the policy and contains your
details, details of the vehicle, details of the cover provided
to you under this policy and the period of insurance.
Please check that the information contained in the policy
schedule is correct and that it meets your requirements. If it does not, please immediately contact the  administrator or the agent who arranged this insurance for you.

The Law Applicable to This Policy

You and we are free to choose the laws applicable to
the policy. As we are based in England, we propose to
apply the laws of England and Wales and by receiving or
purchasing this policy you have agreed to this.

Any word or expression to which a specific
meaning has been attached will bear the same
meaning throughout this policy and will appear in
bold.

1. Administrator means A1 Warranty Services Limited,
whose address is 3rd Floor, 4 Copthall House, Station
Square, Coventry CV1 2FL. Customer services
telephone number: 024 7652 7812.
2. Agent means the party, person or company who has
arranged this insurance on your behalf.
3. Betterment means the amount of any repair cost or
replacement cost which you may be required to pay
depending on the mileage travelled by your vehicle
since first registration.
4. Breakdown means the sudden and unforeseen
failure of an insured component arising from any
permanent mechanical, electrical or electronic defect,
causing sudden stoppage of its function, necessitating
immediate repair or replacement before its normal
operation can be resumed.
5. Claims office means A1 Warranty Services Limited,
whose address is 3rd Floor, 4 Copthall House, Station
Square, Coventry CV1 2FL. Claims telephone number:
024 7652 7810.
6. Component means any mechanical, electrical or
electronic part, which forms part of the vehicle’s
original specification.
7. Excess means the specified portion of any claim which
you must bear the cost of before we will pay our
liability. Please refer to your policy schedule for further
details.
8. Period of insurance means the length of time that this
policy operates as stated on the policy schedule as
determined by the expiry date.
9. Policy means your policy booklet and most recent
policy schedule which includes any endorsements.
10. Repair cost means the cost of repair materials,
limited by manufacturer’s cost prices, and the labour
cost of repairing the component which has suffered
breakdown, limited by the Autodata / Manufacturers
published times.
11. Repairer means the A1 Warranty Services approved
or authorised repairer or a business involved in
the servicing and repair of motor vehicles and light
commercial vehicles.
12. Replacement cost means the cost of a replacement
component of similar make and quality as the
component that had suffered breakdown, including
the labour cost of fitting the new component, in line
with the Autodata / Manufacturers published times.
13. Single claim limit is the maximum amount per claim
or event that can be claimed during the period of
insurance. Please refer to your policy schedule for
further details.

14. Sum insured means the maximum amount that can
be claimed during the period of insurance. The sum
insured will be reduced by the amount of any valid
claim(s) during the period of insurance. Please refer
to your policy schedule for further details.
15. Total loss means any claim where the sum insured
has been paid out by us, or where your vehicle
has been replaced as part of a claim due to repair of
component(s) being deemed uneconomical by us.
16. Vehicle means only the vehicle as stated on the
policy schedule. Please refer to the Excluded Vehicles
section for details of vehicles excluded from cover.
17. We/us/our means AXA Insurance UK plc. Registered
in England No. 78950. Registered Office: 5 Old Broad
Street, London EC2N 1AD.
18. Wear and tear means the gradual deterioration
associated with the use, age and mileage of the
vehicle.
19. Worn out describes components which have reached
the end of their normal effective working lives because
of their age and/or usage.
20. You/your means the policyholder named on the policy schedule

This insurance covers the vehicle against breakdown in
the UK of mechanical and electrical components of the
vehicle that were the manufacturer’s original  specification
except those listed in the What is not Covered section.
Any claim is subject to the single claim limit, sum
insured, excess, betterment, conditions and exclusions
set out in this policy.
Please note: This mechanical breakdown insurance does
not cover failure due to impact damage. In addition, the following non-mechanical or non-electrical
components are covered:
Casings
The following casings are only covered if their failure is
a direct result of a failure of a covered component and
will constitute part of the total claim subject to the policy
limits:-
Cylinder block, cylinder head, gearbox casing, axle
housing.
Catalytic converter
The cost of replacement of the insured vehicle’s catalytic
converter(s) following failure of the exhaust gas to meet
the relevant in-service emissions standard. Subject to the following:
1. The catalytic converter being found to be no longer
serviceable.
2. The results of the failed test being made accessible to
the claims office before authorisation is requested.
3. The results printed out from a successful test following
the replacement is submitted to the claims office with
the repair invoice.

Heater matrix
The heater matrix is covered against sudden core or joint
failure.
Oil cooler
The oil cooler is covered against sudden core or joint
failure.
Radiator
The radiator is covered against sudden core or joint failure.
Timing belt
If the timing belt has been changed in accordance
with the time or mileage requirements specified by the
manufacturer (receipt required) it will be covered against
mechanical breakdown.
Factory fitted Multi-media pack
Stereo hi-fi video cassette recorder, LCD screens, media
control panel, auxiliary power input socket, 12 volt power supply, (excluding remote control unit and headphones).
Factory fitted CD player with multi-changer, satellite
navigation system, games machine and DVD player
(excluding discs).
Alarm system
(Excluding remote transmitters and key fobs).
Airbag system
All components (excluding air bag).
Working materials
Should any authorised repair to any of the above
components require essential replacement or topping up
of lubricants, oils or coolant or replacement of the oil filter these shall be covered as part of the total claim, within the policy limits.
Wear and tear
Claims for breakdown of components due to wear and
tear will be covered.
Note: This policy does not cover wear and tear where
no breakdown has occurred.
Policy Limits
Single claim limit
Please refer to your policy schedule for the single claim limit applicable to this policy.
Sum insured
Please refer to your policy schedule for the sum insured
applicable to this policy. The sum insured will be reduced
by the cost of any claim(s) during the period of insurance.

This insurance also includes the following benefits,
subject to the General Conditions, Claims Conditions
and What is Not Covered by this policy. These benefits are provided within the single claim limit and sum insured. you will have to pay the bill and provide us with a bona fide VAT receipt as part of a valid claim following a breakdown.
Vehicle Recovery
This insurance covers vehicle recovery to the nearest
repairer following breakdown of any component of the
vehicle covered by this insurance, subject to a maximum
of £50 (including VAT) per breakdown. The method of
recovery must prevent any further damage to the vehicle.
Vehicle Hire
If your vehicle suffers a breakdown and the
manufacturer’s standard repair time is in excess of 8
hours, we will pay a contribution of up to £30 (including
VAT) per day for a maximum of 7 days towards the cost
of hiring a similar vehicle. In this situation, the hire  period
is to begin no earlier than 24 hours after the breakdown
occurring.
A contribution towards vehicle hire is specifically
excluded when your vehicle is off the road and repairs
are unable to commence or be completed due to non
availability of parts, space or labour, with the exception of
repairs involving the replacement of engine and gearbox
assemblies in the event that they have to be ordered from
the supplier.
Please note that we will not pay for:
• Hire costs within the first 24 hours following
breakdown.
• Hire costs in excess of the 7 day allowance.
• Charges incurred for fuel, collision damage waiver,
insurance or other fees.
We cannot be held responsible should hire be refused for any reason. Overnight Expenses and Onward Travel
In the event that authorised repair or replacement
of a component cannot be completed on the day of
breakdown, necessitating an unscheduled overnight stay, we will pay up to a total of £100 including VAT towards overnight accommodation. The overnight expenses limit of £100 including VAT is on a room only basis per breakdown.
Alternatively we will, at our discretion, pay up to a total
of £100 including VAT towards onward travel to your
original destination.
Overseas Use
This policy covers overseas use for a maximum of 60
days continual use during the total period of insurance,
subject to the following:
1. You must pay the repairer and claim reimbursement
direct from us by sending the claims office a
receipted claim invoice.
2. The other terms, conditions and exclusions of this
policy.
3. The repair cost or replacement cost will be
reimbursed at the exchange rate applicable on the
date you paid the repairer.
Transfer Request
Subject to our approval, this policy may only be
transferred with the vehicle direct to a new private owner.
Application must be made to the administrator at the
time of the change of ownership. The administrator
will charge for this service. Please refer to the Transfer
of Ownership section for further details. Under no
circumstances can this policy be transferred to another
vehicle or to/via any member of the motor trade.
If the insurance is transferred to a new owner the policy
will not be subject to the statutory cancellation period.
These benefits are provided within the single claim
limit and sum insured. you will have to pay the bill and
provide us with a bona fide VAT receipt as part of a valid
claim following a breakdown. We cannot be held responsible should hire be refused for any reason.
Overnight Expenses and Onward Travel
In the event that authorised repair or replacement
of a component cannot be completed on the day of
breakdown, necessitating an unscheduled overnight stay, we will pay up to a total of £100 including VAT towards overnight accommodation. The overnight expenses limit of £100 including VAT is on a room only basis per breakdown.
Alternatively we will, at our discretion, pay up to a total
of £100 including VAT towards onward travel to your
original destination.
Overseas Use
This policy covers overseas use for a maximum of 60
days continual use during the total period of insurance,
subject to the following:
1. You must pay the repairer and claim reimbursement
direct from us by sending the claims office a
receipted claim invoice.
2. The other terms, conditions and exclusions of this
policy.
3. The repair cost or replacement cost will be
reimbursed at the exchange rate applicable on the
date you paid the repairer.
Transfer Request
Subject to our approval, this policy may only be
transferred with the vehicle direct to a new private owner.
Application must be made to the administrator at the
time of the change of ownership. The administrator
will charge for this service. Please refer to the Transfer
of Ownership section for further details. Under no
circumstances can this policy be transferred to another
vehicle or to/via any member of the motor trade.
If the insurance is transferred to a new owner the policy
will not be subject to the statutory cancellation period.

This policy is an insurance of indemnity. The purpose of this insurance is to place you in the same financial state after a loss as you were in before the loss occurred.
As a result, you are required to contribute to the repair cost or replacement cost of parts only, in accordance with the following table dependant on the distance travelled by your vehicle since first registration. There will be no contribution required towards the cost of labour.

Distance travelled by your vehicle since first registration
at breakdown Replacement parts only - Contribution you are required to make to the repair cost or replacement cost of parts only.
Up to 60,000 miles travelled from first registration no contribution required to parts and/or labour costs
60,001 to 70,000 miles travelled from first registration
10% of the repair cost or replacement cost of covered
parts only.
70,001 to 80,000 miles travelled from first registration
20% of the repair cost or replacement cost of covered
parts only.
80,001 to 90,000 miles travelled from first registration
30% of the repair cost or replacement cost of covered
parts only.
90,001 to 100,000 miles travelled from first registration
40% of the repair cost or replacement cost of covered
parts only.
Over 100,000 miles travelled from first registration
50% of the repair cost or replacement cost of covered
parts only.

The following are excluded from cover provided under this policy:
1. The excess - Please refer to your policy schedule for
details of any excess which may apply.
2. Any claim arising within the first 28 days from the date
of commencement.
3. Any items noted during the last service as requiring
repair or replacement or any items noted on your
service record as being an advisory repair or
replacement.
4. Bodywork, panels, paint, exterior and interior trim,
bright work, glass of any description, remote control
transmitters and receivers, tyres, exhaust system and
manifold, wiper blades, brake linings, discs and drums,
belts not specifically listed, batteries, wiring, printed
circuits and bulbs.
5. Any costs related to adjustments or diagnostic work.
6. Any costs incurred in excess of or outside the liability
under this insurance. It is your responsibility to meet
any repairer charges in excess of, or rejected as not
being our liability.
7. Any costs resulting from using your vehicle for any
usage in the Excluded Vehicle Uses section.
8. Any costs arising from depreciation or diminution in the value of the vehicle.
9. You are not covered for any other costs that are
indirectly caused by the event which led to your claim,
unless specifically stated as covered by this policy.
10. Any liability where the vehicle is found to be unfit
for the purpose for which it was intended, is not as
described or is not of satisfactory quality.
11. Air-conditioning and climate control
The receiver drier and costs over £40 inclusive of VAT
in respect of re-gassing the air-conditioning system in
the event of breakdown necessitating the system to be
re-gassed. Routine maintenance or re-gassing is not
covered.
12. Automatic transmission
Burnt or worn out clutches or
brake bands.
13. Brake parts
Failure due to corrosion or seizure.
14. Catalytic converter
Repair costs or replacement costs
if breakdown of the catalytic converter is due to impact
or other accidental damage, loose or noisy baffles
within the catalytic converter or as a result of
contamination due to the use of incorrect fuel.
15. Damage to the vehicle or its component(s):
a) Where the fault or damage occurred due to the vehicle being driven following the initial failure.
b) Caused by fire, theft or attempted theft, impact, any road traffic accident, accidental damage, lack of lubrication or fluids, damage caused during recovery, or by failure of mountings and fixings of any description.
c) Caused by frost, corrosion, contamination, or the
freezing of any liquids, or caused by the use of
incorrect fuel, or a grade of fuel or lubricant not
recommended by the manufacturer of the vehicle.
d) Of any nature arising directly or indirectly, in whole or in part, due to any misuse, act or omission which is wilful, unlawful or negligent on your part.

e) Caused by carbonised, burnt, pitted and sticking valves.
f) Skimming and de-coking of the cylinder head.
g) Incurred whilst your vehicle is outside the UK for more
than 60 days consecutively.
16. Electrical parts – glow and heater plugs.
17. Engine – decarbonising, reseating, sticking or burnt out valves and seats, decoking and external oil leaks.
18. External linkage, joints or swivel pins.
19. Cylinder head: Cracks.
20. Factory fitted multi-media pack – hi-fi remote control unit, headphones, discs for CD and DVD players and LCD
screen pixelisation are excluded.
21. Faults in workmanship, materials or repairs paid for by us on your behalf.
22. Failure of mountings and fixings of any description.
23. Failure of fixings of any description i.e. nuts and bolts, etc.
24. Final drive – gaiters and boots.
25. Fuel system – fuel leakage, failure of piping and seals.
26. Loss or damage to any computer or other equipment, data processing service product, microchip, micro processor, integrated circuit, embedded chip or similar device, computer software program or process or any other electrical or electronic system directly or indirectly caused by computer viruses.
27. The failure or fear of failure or inability of any equipment
or any computer programme, whether or not you own
it, to recognise or to interpret correctly or process any
date as its true calendar date, or to continue to function
correctly beyond that date.
28. Oil leaks.
29. Replacement or repair costs where damage is due to
an uninsured component failure.
30. Service items including but not limited to: distributor
cap, gaiters, boots, rotor arm, condensers, points, high
tension leads, spark plugs, wiper blades, filters, bulbs,
belts, pipes, joints and seals.
31. Steering parts – gaiters and boots.
32. Anti-freeze, fluids and grease, fuel or oils (unless
replacement is necessary following the breakdown
of a component which forms part of a valid claim
accepted by us).
33. The clearing of fuel lines, filters, carburettors and
pumps.
34. The renewal of any clutch component, due to being
burnt out, incorrect adjustment, misuse or wear and
tear.
35. The cost of supplying items not insured under this
policy which are required to be replaced as part of an
authorised claim under this policy.
36. The repair costs or replacement costs of
components:
a) Which were faulty or had suffered a breakdown prior
to commencement of the policy.
b) Where the repair, replacement, loss, damage or liability is claimable on a more specific warranty or guarantee.
c) Necessitated due to inherent faulty design, manufacturing fault or following a recall by the manufacturer.
d) The replacement or adjustment
of any parts to enable your vehicle to pass a
Department of Transport MOT test or to meet current
emission legislation.
e) Where the breakdown was caused by, or occurring to,
any modification from the manufacturer’s specification,
any accessory or equipment not fitted and supplied
with the vehicle at the time of manufacture and any
experimental equipment whether or not supplied by the
manufacturer.
f) Where damage is due to an uninsured component
failure.
37. Timing belt – where no proof is available of the
replacement of the timing belt in accordance with the
manufacturer’s replacement schedule.
38. VAT where you are VAT registered.
39. Wheel alignment and balancing and adjustments to
suspension.

The following vehicles and usages are excluded from cover provided under this policy.
Vehicles:
• Not designed and manufactured to UK specifications.
• Modified from the manufacturer’s specification.
• Which include any experimental equipment, whether or
not supplied by the manufacturer.
• Owned temporarily or otherwise (resulting from tradein
or acquisition for the purposes of resale) by a lease
company or business formed for the purposes of selling
or servicing motor vehicles.
• Designed to carry more than eight people including the
driver.
• Over 3500kg gross weight.
• Which are classified as non-passenger cars, motor
caravans, caravans, kit cars or replica cars.
• Specifically designed for primary
sale in Northern, Southern and Central America.
• Powered by rotary engine
(except Mazda RX8).
• Powered by fuel cell or Liquid Petroleum Gas (LPG).
Excluded Vehicle Uses
Any vehicle used for competition, trial (other than treasure hunts), track days, rally, racing, pace making or off road use. Any vehicle used for hire or reward, transportation of goods, driving school, delivery courier and emergency or recovery services.

You must comply with the following conditions and
instructions to have the full protection of your policy. If
you do not comply with them we may, at our option:
• Cancel the policy.
• Refuse to deal with your claim.
• Reduce the amount of the claims payment.
If breakdown occurs please help the claims office by
reporting your claim according to the following procedure. All claims must be made as soon as reasonable and in any case, no more than 30 working days after the breakdown has occurred.
Prevent Further Damage
In the event of any incident, breakdown or operation of
a warning hazard light, you must not drive the vehicle
further.
Fraud
You must not act in a fraudulent 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 loss or damage caused
by your wilful act, or with your connivance
Then we:
• shall not pay the claim
• shall not pay any other claim which has been made or
will be made under the policy
• may at our option declare the policy void
• shall be entitled to recover from you the amount of any
claim already paid under the policy
• shall not make any return of premium
• may inform the police of the circumstances.
Subrogation
We may at our sole option take any steps in your name
against any person to recover any money we pay in
settlement of your claim. You must give us all assistance
necessary.
Contact the Claims Office
Before any work is undertaken, you are required to contact the claims office so that the claims procedure can be fully explained to you.
The claim notification telephone number is 024 7652 7810. Calls are recorded and monitored.
Claims Authorisation
For claims authorisation, the repairer must confirm:
• your policy number and vehicle details
• the exact mileage of your vehicle at the time of
breakdown
• the cause of breakdown and:
• provide an itemised repair cost estimate
• provide a full service history from inception of cover.
Cause of Breakdown Uncertain?
If the cause of the breakdown is uncertain, dismantling work may be necessary.
• If this reveals that the breakdown is covered by this
policy and the claim is duly authorised, we will pay the
dismantling costs.
• If work reveals that the breakdown is not covered, you
must pay the costs incurred.
Only you may give permission for dismantling work and
you do so in the knowledge that you will be responsible
for the costs incurred if the fault is not covered.
• This policy does not cover any costs related to
diagnostic work. For claims involving a catalytic converter, details must be provided to the claims office of the results of the tests conducted showing the failure of your vehicle to pass an exhaust gas emissions test prior to replacement along with the result of the successful re-test after the replacement of
the catalytic converter to your vehicle.
For all claims involving a timing belt breakdown, we
require proof that the timing belt has been changed
in accordance with the time or mileage requirements
specified by your vehicle manufacturer. A copy invoice
for the change of the timing belt will be required showing the date of timing belt change and the odometer reading of your vehicle at this time.
If the claim is covered by this policy, verbal authorisation
will be given by the claims office to carry out the repair. A
claims authority number will be issued with an authorised
repair cost, which is the most we will pay for the repair.
Authorisation of repairs will remain valid for 90 days.
If any part of your claim is declined you may request the
reason in writing, please contact the claims office.
Use of an Engineer At notification of any claim, or following receipt of the estimate, the claims office reserves the right to:
• Instruct an engineer to inspect your vehicle before
authorising any claim.
• Inspect any insured components which have been
removed, together with any original documentation,
within one calendar month after any repair or
replacement has been authorised or carried out.
When this right is exercised we shall have no liability for
any loss incurred by you arising from any possible delay.
Any decision on liability will be withheld until the engineer’s report is received.
Salvage
We accept no liability for the disposal of your vehicle or
any parts of it in any event.

Components
We reserve the right to use guaranteed original equipment manufacturer (OEM), factor, reconditioned or exchange units in the repair of your vehicle.
Payment of Repairs Authorised Repairs
In most circumstances there will be no need for you to
pay the repairer, as we will pay them directly up to the
authorised repair cost or replacement cost.
If we are paying the repairer direct they must send the
claims office an itemised repair invoice stating the claim
authority number. They will be reimbursed up to the
authorised repair cost or replacement cost. You will be
liable for any costs incurred in excess of or outside of the
liability of this insurance. Occasionally a repairer will ask for payment directly from you. Where you have paid the repairer, and we have authorised your claim in advance, we will reimburse you up to the authorised repair cost or replacement cost if you send the claims office the  receipted and itemised invoice.
In the event of breakdown outside of the UK:
1. You must pay the repairer and claim reimbursement
direct from us by sending the claims office a receipted
claim invoice.
2. All other terms, conditions and exclusions of this policy
and the general conditions and exclusions of this
policy apply.
3. The repair cost or replacement cost will be
reimbursed at the exchange rate applicable on the date
you paid the repairer.
If requested by the claims office, copies of service
invoices should be attached to the repair invoice when sent for payment.
Unauthorised repair or replacement
Should you decide to give permission to the repairer
to commence work, without obtaining an authorisation
number from the claims office, you do so in the full
knowledge that we reserve the right not to meet your claim because you have denied us our right under this policy to agree cover, inspect the vehicle and manage costs prior to its repair. You will have to pay the bill in full and submit to the claims office for consideration.
When You Collect Your Vehicle If you are aware, or believe, that the repair is not satisfactory do not accept your vehicle and advise the claims office immediately.

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 option:
• Cancel the policy.
• Refuse to deal with your claim.
• Reduce the amount of the
claims payment.
1. Servicing Requirements
If your vehicle does not have a full service history at
inception of the policy, it must be serviced in accordance
with the manufacturer’s recommendations within 28 days of the date of commencement of the policy.
Your vehicle must be serviced at a repairer in accordance
with the manufacturer’s recommendations detailed in the vehicle servicing handbook within a tolerance of 30 days or 1,000 miles whichever occurs first, of the stipulated service interval. It is your responsibility to establish your vehicle manufacturer’s servicing schedules and to comply with them by both time and mileage whichever is the sooner.
2. Timing Belts
The timing belt on your vehicle must be changed in
accordance with the manufacturer’s recommendations within a tolerance of 30 days or 1,000 miles whichever occurs first,of the stipulated change interval. It is your responsibility to establish your vehicle manufacturer’s timing belt changeschedule and to comply with it by both time and mileage whichever is the sooner. You should obtain acceptable proof that this work has been carried out as you will need to produce this in the event of a claim. Acceptable proof will be a copy invoice for the change of the timing belt showing the date the timing belt was changed and the odometer reading of your vehicle.
3. Vehicle Checks
Between services you must ensure that the regular vehicle checks are carried out, as recommended by the manufacturer and stated in the servicing handbook, for example: fluid level checks.
4. Changes in Your Circumstances
You must notify us immediately of any change which may
affect this insurance and in particular any of the following: change of address, change of registration number, change of use and change of ownership of the vehicle. We will then advise you of any change in terms.
5. Vehicle Registration
Your vehicle must be permanently registered in the UK
during the period of insurance and insured by a motor
insurance policy issued by an insurer authorised in the UK during the period of insurance.

Statutory Cancellation Rights
If you received this policy free of charge you may cancel
this policy at any time. You must tell us by writing to:
Administration Office
A1 Warranty Services Ltd
3rd Floor
4 Copthall House
Station Square
Coventry
CV1 2FL
If you have paid a premium for the cover and you cancel
within 14 days of the receipt of the policy, we will make a full refund of premium, unless you have made a total loss claim.
You should contact the agent who will contact this office to arrange the premium refund.
The agent will refund your premium to you after
authorisation from us. There is no refund of premium in the event of a total loss claim.
Cancellation Outside The Statutory Period
You may cancel this policy at any time by providing prior
written notice to:
Administration Office
A1 Warranty Services Ltd
3rd Floor
4 Copthall House
Station Square
Coventry
CV1 2FL
If you cancel this policy after the first 14 days of receipt of the policy documentation no premium refund will be given.
Cancellation by Us
We reserve the right to cancel the policy by providing 21
days prior written notice by registered post to your last
known address. There is no refund of premium in the event of a total loss claim. However in all other cases we will retain an amount of premium in proportion to the time you have been on cover and refund the balance to you.

If you have cause for complaint, it is important you
know we are committed to providing you with an
exceptional level of service and customer care. We
realise that things can go wrong and there may be
occasions when you feel that we have not provided
the service you expected. When this happens, we
want to hear about it so that we can try to put things
right.
Who to Contact
The most important factors in getting your complaint dealt with as quickly and efficiently as possible are:
• to be sure you are talking to the right person, and;
• that you are giving them the right information.
When you contact us:
• please give us your name and a contact telephone
number
• please quote your policy and/or claim number and the
type of policy you hold
• please explain clearly and concisely the reason for your
complaint So we begin by establishing your first point of contact.
Step One – Initiating Your Complaint
Does your complaint relate to:
A: Your policy?
B: A claim on your policy?
If A, please contact:
Customer Services
A1 Warranty Services Limited, 3rd Floor, 4 Copthall House
Station Square, Coventry CV1 2FL
Tel: 024 7652 7812
E mail: info@a1warrantyservices.co.uk
If B, please contact:
Claims Office, A1 Warranty Services Limited, 3rd Floor,
4 Copthall House, Station Square, Coventry CV1 2FL
Tel: 024 7652 7810
E mail: claims@a1warranty.co.uk
In either case, if you wish to provide written details, the
following checklist has been prepared for you to use when drafting your letter.
• Head your letter ‘COMPLAINT’.
• Give your full name, post code and contact telephone
number(s).
• Quote the type of policy and your policy and/or claim
number .
• Explain clearly and concisely the reason(s) for your
complaint.
The letter should be sent to the person dealing with your complaint along with any other material required.

We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further.
Step Two – Contacting AXA Head Office
If your complaint is one of the few that cannot be resolved by this stage, please contact the Head of Customer Care who will arrange for an investigation on behalf of the Chief
Executive:
Head of Customer Care
AXA Insurance
Civic Drive
Ipswich
IP1 2AN
Tel: 01473 205926
Fax: 01473 205101
Email:
customercare@axa-insurance.co.uk
Step Three – Beyond AXA
If we have given you our final response and you are
still dissatisfied you may refer your case to the Financial
Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on
complaints about general insurance products. It will only
consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted.
The Ombudsman can be contacted at:
Insurance Division
Financial Ombudsman Service, South Quay Plaza
183 Marsh Wall, London E14 9SR
Tel: 0845 080 1800
Fax: 0207 964 1001
Referral to the FOS will not affect your right to take legal
action against us.
Our Promise to You
• Acknowledge written complaints promptly.
• Investigate quickly and thoroughly.
• Keep you informed of progress.
• Do everything possible to resolve your complaint.
• Learn from our mistakes.
• Use information from complaints to continuously
improve our service. Calls are recorded and monitored.
Data Protection Act Details of you and your insurance cover will be held by us and the administrator in their records for underwriting, processing, claims handling and fraud prevention, subject to the provisions of the Data Protection Act 1998. We may send it in confidence for processing to other companies in the AXA Group (or companies acting on our instructions)
including those located outside the European Economic
Area. By taking out this policy you consent to such use of
your personal data.

Mechanical Breakdown Insurance
Should you sell your vehicle to another person, excluding
a motor trader, the unexpired portion of the policy can
be transferred to the new owner. Unfortunately it is not
possible to transfer this policy to a motor trader. Transfer
to the new owner can only occur if, as at the date of
the transfer request, you have complied with all terms
and conditions of this policy, in particular the General
Conditions relating to servicing and the change of any
timing belts fitted to the vehicle. All You Need To Do
Fill in the details as set out on page 13 and return the
complete policy document within 14 days of assuming
ownership. The transfer is subject to an administration
charge of £35 including VAT. Please send this amount
with the application form, and evidence of servicing.
Cheques/Postal Orders should be made payable to A1
Warranty Services Ltd. you should then send these to:
A1 Warranty Services Limited
3rd Floor, 4 Copthall House, Station Square
Coventry CV1 2FL
The new owner will then be sent a policy document
complete with a new policy schedule to cover the unexpired period of the original cover. Any  documentation supplied as evidence of servicing will be returned to the new owner.
Important Note To The New Owner
Please ensure that the general conditions relating to
servicing and the change of any timing belts fitted to the
vehicle under this policy have been adhered to. If they
have not, the cover under this policy will be invalid.
If the insurance is transferred to a new owner the policy
will not be subject to the statutory cancellation period.