Mechanical Breakdown Insurance. Underwritten by AXA InsuranceUK 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 uses specified in the Excluded Vehicle Uses section.

• Is not a new vehicle sold without a manufacturer guarantee.

What is Covered

Subject to exclusions this insurance covers the named mechanical, electrical and electronic parts of the vehicle that were the manufacturer’s original fitment.

 Comprehensive Level of Cover

Only components that are listed under the What is Covered section are covered: Engine, timing belt, manual or automatic gear box, rear wheel drive, front wheel drive, differential, propshaft, variable transmission (CVT/CTX) and differential, engine cooling system, steering, suspension, clutch (parts only), fuel system (diesel and petrol only subject to a maximum £50 per claim), brakes (maximum £50 per claim), electrical system (maximum £50 per claim) and factory-fitted turbocharger or supercharger. Any item not specifically mentioned is not insured.

 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.

Significant or Unusual Exclusions or Limitations

 Betterment

You will be required to contribute to the repair or replacement costs in accordance with the table of contributions in the Betterment section.

  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. This does not apply after the first renewal of the policy.

• 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.

• Wear and tear and worn out components.

• 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).

 Duration

This is a monthly renewable policy so cover will apply for a period of one month from the date of commencement. It shall be renewed automatically every month for which the premium is received and accepted by us, until the cover ends as described in your policy document under Policy Duration/When Cover Ends.

 Cancelling Your Policy

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 documentation, we will make a full refund of premium. 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.

 Claim Notification

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

Making Yourself Heard

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 Insurance UK 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 CompensationScheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (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 www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

 This policy is administered by A1 Warranty Services Ltd on behalf of AXA Insurance UK plc. A1 Warranty Services Ltd is an appointed representative of Global Insurance Management Ltd. Global Insurance Management Ltd is authorised and regulated by the Financial Services Authority (FSA). This can be checked on the FSA’s register by visiting the FSA 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 it’s 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.

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.

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.  

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(s) means any mechanical, electrical or electronic part, which forms part of the vehicle’s original specification.

7. Date of commencement means the start date of this cover, stated on your policy schedule .

8. 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.

9. Expiry date means the earliest of the following dates:

a) The date on which you fail to pay your monthly premium when it becomes due.

b) The date we cancel your policy on receipt of your authority.

c) The date we cancel your policy following at least 21 days written notice from us.

d) The date on which your circumstances change if any such change renders the cover invalid.

e) The expiry date as stated on your policy schedule.

10. Monthly premium means the premium shown on your policy schedule that you pay monthly by Direct Debit to have this insurance.

11. Period of Insurance means the maximum length of time that this policy operates as stated on the policy schedule as determined by the expiry date.

 12. Policy means your documentation and most recent policy schedule which includes any endorsements.

13. 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.

14. 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.

15. 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.

16. Single claim limit is the maximum amount per claim or event that can be claimed in the period of insurance. Please refer to your policy schedule for further details.

17. Sum insured means the maximum amount that can be claimed in total within 12 months of the date of commencement date of this insurance as shown on your policy schedule and each subsequent 12 month period thereafter. The sum insured will be reduced by the amount of any valid claim(s) Please refer to your policy schedule for further details.

18. 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 components being deemed uneconomical by us.

19. 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.

20. We/us/our means AXA Insurance UK plc. Registered in England No. 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD.

21. Wear and tear means the gradual deterioration associated with the use, age and mileage of the vehicle.

22. Worn out describes components which have reached the end of their normal effective working lives because of their age and/or usage.

23. 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 listed under the following headings. Any item not specifically mentioned is not covered. Please refer to 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 wear and tear or impact damage.

Comprehensive Level of Cover

Engine

The rocker assembly, including hydraulic followers, inlet and exhaust valves (except carbonised, burnt, pitted and sticking valves), springs and guides, cylinder head (not cracks and de-coking), cylinder head gasket (except skim), push rods, camshaft and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, con-rods, gudgeon pins and bearings, inlet manifold, crankshaft and bearings, flywheel and ring gear.

Timing belt

If the timing belt has been changed in time/mileage requirements specified by the manufacturer (receipt required) it will be covered against mechanical breakdown.

Manual gearbox

All parts contained within the transmission casing.  Automatic gearbox/CVT transmission All parts contained within the transmission casing.

Differential

Internal crown wheel and pinion, gears,shafts, bearings and bushes, thrust washers and spacers.

Clutch (parts only)

Centre plate, pressure plate, release bearing and master and slave cylinders. No labour costs included. Excluding burnt out parts and general wear and tear.

Front-wheel drive

Drive shaft including constant velocity joints, universal joints and couplings (not gaiters) and wheel bearings (drive axle only)

Propshaft

Universal joints and couplings.

Rear-wheel drive

Half shafts, rear-wheel external drive shafts including constant velocity joints, universal joints and couplings (not gaiters) and wheel bearings (drive axle only).

Fuel system (diesel and petrol)

To a maximum of £50 per claim including VAT. Carburettor, mechanical or electrical fuel pumps and injection pump. Excluding breakdown as a result of contamination or failure to meet current emission legislation. Engine cooling system Water pump, viscous fan coupling, thermostat and thermostat housing. Excluding frost damage. (including power assisted steering)

Steering box, steering rack and pump and idler box. Excluding oil leaks.

Suspension

Coil springs.

Brakes

To a maximum of £50 per claim including VAT. Master cylinder, wheel cylinders, restrictor valve and calliper seals. Excluding seized callipers.

Electrical system

To a maximum of £50 per claim including VAT. Starter motor and solenoid, indicator relay and windscreen wiper and washer motors.

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, front drive housing and rear axle housing.

Working materials

Working materials and supplies such as oils, filters and anti-freeze are covered where their replacement is essential as a direct result of the failure of a covered component.

 Factory fitted turbocharger or supercharger

All internal components are covered against breakdown providing they are of original manufacturer’s fitment, including the wastegate if this cannot be bought separately.

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) within 12 months of the date of commencement of this insurance as shown on your policy schedule and each subsequent 12 month period thereafter.

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.

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 in accordance with he following table, dependent on the distance travelled by your vehicle since first registration.

The following are excluded from cover provided under this policy:

Any claim arising within the first 28 days from the date of commencement. This exclusion does not apply after the policy has been renewed.

1. The excess - Please refer to your policy schedule for details of any excess which may apply.

2. Any component not specifically listed under each section heading.

3. Oil leaks (internal and external).

4. Any costs related to adjustments or diagnostic work.

5. Any costs incurred in excess of, or outside of, the liability under this insurance. It is your responsibility to meet any repairer charges in excess of, or rejected as not being our liability.

6. Any costs resulting from using your vehicle for any usage in the Excluded Vehicle Uses section.

7. Any costs arising from depreciation or diminution in the value of the vehicle.

8. 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.

9. 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.

10. 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.

11. External linkage, joints or swivel pins.

12. Cylinder Heads: Cracks.

13. Faults in workmanship, materials or repairs paid for by us on your behalf.

14. 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.

15. The failure or fear of failure or inability of any equipment or any computer program, 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.

16. 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.

17. Anti-freeze, fluids, grease and fuel or oils (unless replacement is necessary following the breakdown of a component which forms part of a valid claim accepted by us).

18. 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.

19. 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.

20. Timing belt – where no proof is available of the replacement of the timing belt in accordance with the manufacturer’s replacement schedule.

21. VAT where you are VAT registered.

22. Wear and tear generally, and worn out components.

23. Wheel alignment and balancing and adjustments to suspension.

The following vehicles and uses are excluded from cover provided under this policy.

Vehicles:

• Modified from the manufacturer’s specification.

• Which include any experimental equipment, whether or not supplied by the manufacturer.

• Owned temporarily or otherwise (resulting from trade-in 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 nonpassenger cars, motor caravans, caravans, kit cars or replica cars.

• Specifically designed for primary sale in Northern, Southern and Central America.

• Powered by rotary engine.

• Powered by fuel cell or Liquid

Petroleum Gas (LPG).

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.

This is a monthly renewable policy so cover will apply for a period of one month from the date of commencement. It shall be renewed automatically every month for which the premium is received and accepted by us and continue until:

• Cancelled in writing by either party.

• The expiry date on your policy schedule.

• You fail to pay your monthly remium.

We reserve the right to revise your premium payable by providing a minimum of 21 days prior notice by registered post to your last known address. As you pay separately for each month of cover, if you choose not to accept the revised premium you may cancel your policy and we will continue to provide cover for any remaining period for which you have already paid after the expiry of our notice period.

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

• 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.

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 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 change schedule 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.

you cancel within 14 days of the receipt of the policy documents we will make a full refund of premium. There is no refund of premium in the event a total loss claim has been made or is pending. You must tell us by writing to:

Administration Office

A1 Warranty Services Ltd

3rd Floor

4 Copthall House

Station Square

Coventry

CV1 2FL

Cancellation Outside the Statutory Period

You may cancel this policy at any time by providing 14 days 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. Because you pay separately for each month of cover, when you cancel your policy, we will continue to provide cover or any remaining period for which you

have paid but we will not provide a refund.  

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. As you pay separately for each month of cover, when we cancel your policy we will continue to provide cover for any remaining period for which you have already paid after the expiry of our notice period.

 Non-payment of Premiums

We reserve the right to cancel this policy immediately on written notice in the event your monthly premium has remained unpaid by you for a period of 7 days after it is due.

 Varying Premiums

We reserve the right to revise the monthly premium payable by providing a minimum of 21 days prior written notice by registered post to your last know address. As you pay separately for each month of cover, if you choose not to accept the revised monthly premium you may cancel your policy and we will continue to provide coverfor any remaining period for which you have already paid after the expiry of our notice period.

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 Ltd

3rd Floor

4 Copthall House

Station Square

Coventry

CV1 2FLTel: 024 7652 7812

E mail: info@A1warrantyservices.co.uk

If B, please contact:

Claims office

A1 Warranty Services Ltd

3rd Floor

4 Copthall House

Station Square

Coventry

CV1 2FL

Tel: 024 7652 7810

E mail: claims@A1warrantyservices.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.

 Ombudsman can be contacted at:

Insurance Division

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Tel: 0845 080 1800

Fax: 020 7964 1001

Referral to the FOS will not affect your right to take legal action against us.

• 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.

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.

Please see General Conditions section in the policy wording where it applies to cover selected by you. If you do not keep to the servicing requirements or you cannot prove you have done so, your selected covers may not be valid. The only acceptable proof of servicing is the detailed VAT invoice from a repairer which shows the servicing date, mileage and shows the full cost of parts and labour. If you record the details below, you know when your next service is due. This page may not be accepted as proof of servicing.