Policy Wordings

Policy Summary

Type of Insurance and Cover

Eligibility

Significant Features and Benefits

Significant or Unusual Exclusions or Limitations

Duration

Cancelling Your Policy

Claim Notification

Making Yourself Heard

Understanding Your Policy

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.

Definitions

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

What is Covered

This insurance covers the vehicle against the 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 impact damage.
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 will be met. Excluding burnt out parts.
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)
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.
Steering (including power assisted steering)
Steering box, steering rack and pump and idler box. Excluding oil leaks.
Suspension Coil springs.
Brakes Master cylinder, wheel cylinders, restrictor valve and calliper seals. Excluding seized callipers.
Electrical system
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.
Factory fitted turbocharger or supercharger
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.
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.

Other Benefits

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.

Betterment

What is Not Covered

The following are excluded from cover provided under this policy:
1 Any claim arising within the first 28 days from the date of commencement.
2. 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.
3. The excess – Please refer to your policy schedule for details of any excess which may apply.
4. Any component not specifically listed under each section heading.
5. Oil leaks (internal and external)
6. Any costs related to adjustments or diagnostic work.
7. 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.
8. Any costs resulting from using your vehicle for any usage in the
Excluded Vehicle Uses section.
9. Any costs arising from depreciation or diminution in the value of the vehicle.
10. 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 in this policy.
11. 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.
12. 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.
13. External linkage, joints or swivel pins.
14. Cylinder head: Cracks.
15. 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 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).
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. VAT where you are VAT registered.
21. Wheel alignment or balancing and adjustments to suspension.
22. Clutch (parts only) – labour costs. Excluding burnt out parts.
23. Front-wheel drive – wheel bearings on non driven axle.
24. Rear-wheel drive – wheel bearings on non driven axle.
25. Timing belt – where no proof is available of the replacement of the timing belt in accordance with the manufacturer’s replacement schedule.

Excluded Vehicles

Claims Conditions and How to Make a Claim

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 or 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 breakdownand:
• 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 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.

General Conditions

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.

Cancelling Your Policy

Making Yourself Heard

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.

Transfer of Ownership Request

Silver Plus (single premium)