MOT Test 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 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.

MOT Test Insurance for cars and light commercial vehicles up to 3500 KG gross vehicle weight. This insurance provides cover for repair or replacement costs, incurred as a result of your vehicle having failed its annual MOT test, as defined in the policy wording during the period of insurance.
You are insured up to the sum insured as a total.
You can only make one claim during the period of insurance or one claim per annum on a multiple year policy commencing from the original start date of cover as stated on your policy schedule.

You are eligible for this insurance, provided at date of
commencement and during the period of insurance your vehicle:
• Is a car or light commercial vehicle up to 3500kg gross weight.
• 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.
• Next MOT test date is not earlier than 6 (six) months from commencement of cover.
• Is less than 10 years old and has not covered more than 100,000 miles at commencement of insurance.

What is Covered
Subject to exclusions this insurance covers the repair or
replacement costs of insured components that have failed an MOT test during the period of insurance.

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 claim made more than 30 days before or after the MOT Test  due date notified on the policy schedule.
• The cost of the MOT Test or the cost of any re-test and labour or parts necessitated by failing a re-test.
• Work necessitated in order to pass an MOT Test due to failure caused by corrosion, fire or frost, impact or accident including road traffic accident.
• Service items including but not limited to points, leads, spark plugs, belts, wiper blades, batteries, anti-freeze, fluids, grease, fuel or oils.
• You can only make 1 claim during the period of insurance – or
1 claim per annum on a multiple year policy (commencing from the original start date of the cover). Please refer to your policy schedule.
• Your vehicles MOT Test date must be no earlier than 6 (six) months from commencement of this cover.
• Any repair or replacement after a breakdown that can be claimed from any more specific insurance or guarantee.
• 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.
• Under no circumstances can this policy be transferred to any other person or vehicle.

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. 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 7815.

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.

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 www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

This policy is administered by A1 Warranty Services Limited on behalf of 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 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 failure occuring 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 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 7817.
2. Agent means the party, person or company who has arranged this insurance on your behalf.
3. 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 7815.
4. Date of commencement means the start date of this cover, stated in your policy schedule.
5. 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.
6. Failure/failed means only those insured components listed in the VT30 MOT test certificate as having failed and requiring immediate repair or replacement before passing an MOT re-test.
7. Insured component means those parts listed in the Insured
Components table. Any part not mentioned is excluded.
8. Period of insurance means the length of time that this policy
operates as stated on the policy schedule.
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 insured component which has suffered failure, limited by Autodata / manufacturer’s 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 failed insured component of similar make and quality as the insured component that had suffered failure, including the labour cost of fitting the new component, in line with Autodata / manufacturer’s 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 in total within 12 months of the date of commencement of this insurance as shown on your policy schedule and each subsequent 12 month period thereafter. 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 insured components being deemed uneconomical by us.
16. Vehicle means only the vehicle as stated in 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. You/your means the policyholder named in the policy schedule.

This insurance covers the vehicle against the repair costs or replacement costs of insured components that have failed an MOT test, during the period of insurance. 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, conditions and exclusions set out in this policy.
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

Insured Components:

Cover Extras Specific Exclusions
Front and rear lamps including controls Glass (including plastics) and mirrors.
Headlamps including controls Glass (including plastics) and mirrors.
Headlamp aim
Stop lamps including controls Glass (including plastics) and mirrors.
Rear reflectors including controls Glass (including plastics) and mirrors.
Direction indicators and including controls Glass (including plastics) and mirrors.
hazard lamps

Steering and Suspension

Steering control Oil leaks and valve failure
Steering mechanism/system Wheel alignment, oil leaks and valve failure
Power steering Oil leaks and valve failure
Transmission shafts Oil leaks and valve failure
Wheel bearings NONE

Brakes

ABS warning system controls including if the NONE
ABS warning light fails to operate in correct
sequence
Service brake performance Frictional material and adjustments
Parking brake performance Frictional material and adjustments
Front suspension Wheel alignment
Rear suspension Wheel alignment
Shock absorbers The second shock absorber where replaced as a pair, when only one has failed and been cited on the VT30

Brakes

ABS warning system controls including if the NONE
ABS warning light fails to operate in correctsequence
Service brake performance Frictional material and adjustments
Parking brake performance Frictional material and adjustments
 

Seatbelts

Mountings including back rest security NONE
Condition NONE
Operation NONE

General

Drivers view of the road Only windscreen wiper arm and motor are covered, all other parts are excluded, including but not limited to windscreen, door and mirror
glass.
Horn NONE
Fuel parts Fuel leakage from tanks or pipes. Catalytic
converters, exhaust system and exhaust emissions.

1. More than one claim in any one period of insurance or one claim
per annum on a multiple year policy. Please refer to your policy schedule.
2. The excess applied in respect of the total claim for all insured components noted in the VT30 as having failed an MOT test.
3. Any claim made within six months of the purchase of the policy or more than 30 days before or after the MOT test due date notified on the policy schedule.
4. Any oil leaks (internal and external)
5. Any specific exclusions, as detailed within the Insured Components table under the What is Covered section of this cover.
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 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 in this policy.
9. Any costs related to;
• MOT test or the cost of any re-test and labour or parts
necessitated by failing a re-test.
• Adjustments.
• Diagnostic work.
• Emissions not meeting the required MOT standard.
• Anti-freeze, fluids, grease, fuel or oils.
• Bodywork, panels, paint, exterior and interior trim, brightwork, glass of any description, alarm systems, entertainment and communications systems, remote control transmitters and receivers, airbag system, tyres, exhaust system and manifold,brake linings, discs and drums, belts not specifically listed,batteries, wiring, printed circuits and bulbs. Carbonised, burnt,
pitted and sticking valves, cracks, skimming and de-cokingof the cylinder head, timing belt or chain tensioner, gaiters,catalytic converters and exhaust system.
• The second shock absorber where it has been replaced as part of a pair, when only one shock absorber has failed and been cited on the VT30.
• Supplying items not specifically listed but which are required to be replaced as part of an authorised claim under this cover e.g. 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.
• Any accessory or equipment not fitted and supplied with the vehicle at the time of manufacture.
• The repair, replacement, loss damage or liability which is claimable on a more specific insurance or guarantee.
10. Failure or damage to the vehicle or its insured components:
• Where the fault or damage occurred due to the vehicle being driven following the initial failure.
• Caused by fire, theft or attempted theft, impact, any road traffic accident, accidental damage, or caused during recovery of the vehicle.
• 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.
• Where the repair, replacement, loss, damage is as a result of inherent manufacturer design or if the problem was in existence prior to the sale of the MOT test insurance.
• Where the repair, replacement, loss, damage or liability is claimable on a more specific insurance, warranty or guarantee.
11. Failure as a result of:
• Circumstances where the fault causing need for repair was evident prior to the expiry of the manufacturer’s warranty period, where the insured component is subject to a manufacturer’s recall campaign.
• Corrosion, contamination, fire, frost, impact or accident,
including road traffic accident, misuse or any kind of act or omission which is wilful, unlawful or negligent.
• Any modification from the manufacturer’s specification.
• Any experimental equipment whether or not supplied by the manufacturer.
• 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.
12. Failure of fixings of any description i.e. nuts and bolts, etc.
13. 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

14. Faults in workmanship, materials or repairs paid for by us on your behalf.
15. VAT where you are VAT registered.

The following vehicles and usages 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 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).
• Over 8 years old or have travelled more than 80,000 miles at date of commencement.

• 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 failure occurs please help the claims office by reporting your claim according to the following procedure. All claims must be made as soon as reasonable after the failure has occurred.
Choice
You may take your vehicle to the department of transport approved MOT Test station of your choice. Should your vehicle fail it’s MOT Test, the repairs can be carried out by your choice of repairer.
Prevent Further Damage In the event of failure 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 7815. Telephone calls are recorded and monitored.

For claims authorisation, the repairer must confirm:
• your policy number and vehicle details;
• the exact mileage of your vehicle at the time of failure
• the cause of failure
• confirmation that your VT30 is available
and:
• provide an itemised repair cost estimate
• provide a full service history from date of commencement.
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, copies of the previous MOT certificate and VT30 test certificate, 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 copies of the previous MOT certificate and VT30 test certificate.
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
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. Proof of Servicing
You should obtain acceptable proof that servicing 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 service carried out on the vehicle showing the odometer reading, registration number and level of service carried out.
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 policy and you cancel within 14 days of receipt of the policy documents, we will make a full refund of premium, unless you have made a total loss claim.
You should contact the agent to arrange the premium refund. 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 7817
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 7815
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: 020 7964 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, claim 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 the issue further.