motor warrantycapital letter. administrator mis claims are responsible for the registration of your...

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MOTORWARRANTY

M.I.S.ClaimsClaimsMOTORISTS INSURANCE SERVICES

MIS Motor Warranty - 28/1/14.indd 1 04/02/2014 14:17

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MIS MOTORWARRANTY

PROVIDING PEACE OFMIND MOTORING

The MIS Motor Warranty contractprovides cover against financial lossin the event of your motor vehiclesuffering a mechanical or electricalfailure during the period of insurance.

Claims must be processed inaccordance with the proceduresoutlined in this policy.

You must ensure your vehicle isserviced in accordance with therequirements of this policy and thata valid MOT certificate (if required)is issued to the vehicle.

This Motor warranty is administeredby MIS Claims on behalf of thesupplying Dealer from whom youpurchased the vehicle.

MOTOR WARRANTYINSURANCE

Contract of Insurance

Your motor warranty insurance is arrangedby Motorists Insurance Services Ltd with UKGeneral Insurance Limited on behalf of AgeasInsurance Limited.

They are registered in England No. 354568.Registered Office: Ageas House, HampshireCorporate Park, Templars Way, Eastleigh,Hampshire, S053 3YA.

UK General Insurance Limited and MotoristsInsurance Services Ltd are authorised andregulated by the Financial Conduct Authority.

Ageas Insurance Limited is authorised bythe Prudential Regulation Authority andregulated by the Financial Conduct Authorityand the Prudential Regulation Authority.

This can be checked on the FinancialServices Register by visiting the FCAʼswebsite at www.fca.org.uk

Definitions

The words or expressions detailed belowhave the following meaning wherever theyappear in this policy and will appear with acapital letter.

Administrator

MIS Claims are responsible for theregistration of Your Policy.Telephone: 028 90410220

Claims Administrator

MIS Claims


MIS WARRANTY POLICY INFORMATION 3

Beechwood House37 Comber RoadDundonaldBT16 2AA028 90 410220

Claims Excess

The first amount of each claim payable byYou As detailed on Your Policy Schedule.

Claim Limit

The maximum amount that can be claimedunder the Policy for each MechanicalBreakdown as stated on Your PolicySchedule. The total amount claimable duringthe Period of Insurance is restricted to theClaims Limit as shown in Your PolicySchedule.

Consequential Breakdown

A Mechanical Breakdown caused by thefailure of a non-covered component.

Consequential Loss

Any other costs which are directly or indirectlycaused by the event which led to Your claimunless specifically stated in this Policy. Anexample of Consequential Loss would be:• The loss of use of the Vehicle following a

Mechanical Breakdown and any additionaltransport costs incurred by You while YourVehicle is under repair, or

• the cost of replacing braking or clutchfrictional components following the failureof a covered component.

ICME

Institute of Chartered Mechanical Engineersmanual used by the motor industry as ameans to establish maximum labour repairtimes.

Insured / You / Your

Registered owner of the Vehicle forming thesubject matter of this policy named in thePolicy Schedule.

Insurer / We / Us / Our

UK General Insurance Ltd on behalf of AgeasInsurance Limited.

Market Value

The Market Value of the Insured Vehicle willbe determined by reference to Glassʼs Guideretail value at the purchase date of YourPolicy.

Mechanical Breakdown

Shall mean internal failure which is herebydefined as the actual and sudden mechanicalfailure or breakdown of a component listedunder ʻWhat is Coveredʼ which results in thesudden stoppage of its normal functions andwhich necessitates repair or replacement toresume those functions.

MOT Certificate

The MOT Certificate (VT3) issued by theMOT Test Centre.

Period of Insurance

The duration of Your policy is stated on thePolicy Schedule.

Policy Schedule

The document issued to You containingdetails of the Vehicle, Your name and


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address, Period of Insurance, Claims Excessand Claim Limit applicable

Start Date

The date Your policy commences as shownon the Policy Schedule.

Territorial Limits

England, Scotland, Northern Ireland, Wales,Isle of Man and the Channel Islands. TheVehicle is also covered in the EuropeanUnion for a maximum of 60 days in any 12months of cover.

Vehicle

As identified on the Policy Schedule forprivate use (excluding taxis, private hire,courier services, haulage or transportationof goods and motor cycles) for use on thepublic highway and designed to carry nomore than eight people including the driver.

Wear and Tear

The gradual deterioration associated withnormal use and age of the Vehicle and itscomponents.

Worn Out

Components which have reached the endof their normal effective working lives becauseof age and/or usage.

SECTION 1

What is Covered?

This policy document provides full details ofthe cover provided and all the exclusions.Please take the time to read through thedocument to ensure you are happy with the

cover provided.

During the period of insurance we will repairor replace those components listed belowup to the claims limit as shown in your policyschedule.

All labour costs will be within the specifiedclaims limit and in accordance with the currentICME manual.

The number of claims You make under thispolicy during the period of Insurance issubject to the market value of the vehicleand the claim limit provided by Your policy.

Engine

The rocker assembly, including hydraulicfollowers, Inlet and exhaust valves (exceptcarbonised, burnt, pitted and sticking valves),Cylinder head gasket, push rods, camshaftand followers, oil pumps, pistons and rings,cam-rods, gundgeon pins and bearings,crankshaft and bearings, inlet manifold andring gear. Timing belts are covered providedthey have been changed in accordance withthe manufacturerʼs schedules.

Manual Gearbox

Internal gears, internal shaft, synchromeshhubs, selectors and transfer gears.

Automatic and CVT Transmissions

All components contained within thetransmission casings.

Casings

If any of the covered parts fail and thisdamages the casings, the casings will alsobe covered and will constitute part of thetotal claim subject to the policy limits.



Parts Replaced in Pairs

We will include the following to be replacedin pairs, when recommended by themanufacturer, when only one part hassuffered a failure: brake discs, brake drums,road springs and shock absorbers.

Brakes

Master cylinders, wheel cylinders, ABS wheelspeed sensor, restrictor valve and servo(excluding seized calipers).

Clutch

Release bearing, master and slave cylindersbut excluding burnt out parts and wear andtear.

Electrical System

Starter Motor, alternator coil, window andsunroof motors, electric window switches,sunroof switch, central locking motor, heaterfan motor, indicator flasher relay, distributor,front and rear windscreen wiper motors,electrical fuel pump, windscreen washermotors, electrical ignition, amplifier,thermostatically-controller radiator fan, motor,horn, and tank sender unit.

Differential

Internal crank wheel and pinion, gears, shafts,thrust washers and spacers but excludinggaiters.

Wheel Bearings

Front and rear drive gale axle wheel bearings.

Engine Cooling System

Viscons fan couplings, water pump,thermostat housing, and thermostat.

Steering (incl. Power Assisted Steering)

Steering rack and pinion, steering box, pumpand idler box. Excluding power steeringbelts, external links and joints, rubber boots,swivel pins and oil leaks.

Front and Rear Suspension

Coil springs.

Fuel System

Carburetors, mechanical or electrical fuelpumps and injection pump. Excludingbreakdown as a result of fuel contaminationor failure to meet current emission legislation.

Prop Shaft

Universal joints and couplings.

Torque Convertor

Failure of any internal mechanical parts.

Working Materials

Oils, oil filter, anti-freeze and workingmaterials are covered only if it is essentialto replace them because of the failure ofparts covered under the policy.Gradual deterioration of performance of acomponent in line with the age and mileageof the vehicle will be classed as “wear andtear” and excluded from the cover approvedby the policy.


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Additional Cover

We will provide cover on the vehicles Catalyticconvertor provided an extra fee has beencollected and your vehicle was under 5 yearsof age at the time of purchase.

Servicing your Vehicle

You are required to ensure the correctservicing of Your vehicle during the periodof insurance.If Your vehicle has an incomplete servicehistory it is a requirement that you have yourvehicle servicing brought fully up to date. Ifyou are unable to provide proof of the correctprevious servicing of Your vehicle, we willdecline any repair request you make inrelation to any such serviceable part.If there is an incomplete service history forthe vehicle at the inception of the policy thena service must be carried out within 30 daysor 1000 miles of inception (whichever issooner).The service must be completed at a VATregistered garage and must consist of thefollowing:1. Change engine oil2. Check oil level in the gearbox and

differential. Top up where necessary.3. Check coolant level and anti-freeze

inhibitor strength. Top-up wherenecessary.

4. Check timing belt (if fitted) and renew ifnecessary.

5. Brake fluid must be replaced inaccordance with the manufacturersrecommendation.

Failure to meet service standards

Failure to maintain and provide proof thatthe service standards have been met willresult in the rejection of Your claim andinvalidate this policy.

Timing Belts

Otherwise known as camshaft drive belts.If Your vehicle has a timing belt, please makesure that it is in good condition and that it ischecked and changed in line with themanufacturers recommendation.

Inspection by Independent Engineer

We reserve the right to inspect the vehicleand or failed part(s) before we authorise anyclaim. An independent Engineer will assessthe vehicle and or part(s) and advise on thecause or reason for the failure.

If repair is started without our authorisationthen the cost of the repairs will be Yourresponsibility and will automatically invalidateany claim under this policy.

Please refer to Your Policy Schedule fordetails of the Claim Limit applicable toYour policy.

What is NOT Covered

Components NOT insured by the policy:

• All bodywork and trim. seat belts, seatframes, glass, sunroof panels, fuel tank,wheels and tyres, hinges, brake facings,seized calipers, air bags;

• HT leads, spark plugs, filters, wiper blades,lights and bulbs, belts, wiring looms, glowplugs;

• Exhaust manifold, exhaust system,brackets, mountings and hoses, wateringress, cables;

• Worn or leaking seals and cylinders;• Batteries;• LPG Conversions;• Components which have failed as a result

of correct oil levels not being maintained.Engine cylinder liners and seals.



PLEASE NOTE: Those components areinsured against Mechanical Breakdown only.The replacement of oil filters, lubricants,antifreeze and fluids is included provided thereplacement is necessitated by the failure ofan insured component and the Vehicle is notwithin 1,000 miles of its next service. Externaloil leaks are specifically excluded.

Transfer of Ownership

The unexpired portion of this policy istransferable upon resale of the Vehicle to aprivate individual, provided that:(a) All documentation relevant to this policy

has been passed over to the new owner;(b) The Vehicle has been serviced and

maintained according to the policyrequirements;

(c) The Transfer of Ownership form iscompleted and sent to the Administratorvia recorded delivery post, within sevendays of transfer.

Insurance Conditions

1. Unless some other law is agreed inwriting, this policy is governed by Englishlaw. If there is a dispute, it will only bedealt with in the courts of England or ofthe country within the United Kingdomin which Your main residence is situated;

2. Our liability under this policy will bebinding for the Period of Insuranceshown on the Policy Schedule. Covercommences on the date of purchase ofthe policy, or in the case of a Vehiclepurchased with a manufacturersʼguarantee or warranty, from the datecommencing immediately after expiry ofthe manufacturersʼ guarantee or warrantyperiod;

3. It is a condition precedent to any liabilityunder this policy that the Vehicle shallbe free of any pre existing faults at the

time of purchase of the policy and thatit shall be serviced in accordance withthe manufacturers recommended serviceintervals by a garage registered for VAT,the garage completing the relevantservice details in the Vehicleʼs servicebook and the receipt retained. Amaximum allowance of 21 days or 500miles (whichever is less) shall bepermitted as a run-over on the due dateof service intervals;

4. During the Period of Insurance We willrepair or replace those componentscovered by this policy for the cost of thecomponent and labour cost to fit thecomponent up to the Claim Limitspecified on the Policy Schedule. It isexpressly stipulated that within the ClaimLimit, all labour times are in accordancewith the current ICME manual;

5. By way of subrogation We reserve theright to take over and carry out thedefence or settlement of any claim aftera payment has been made under thispolicy. Legal action may be taken in thename of the Insured to recover paymentfrom a third party made under this policy;

6. We shall not be liable for any claimarising thereby or indirectly caused orcontributed by or in consequence of aloss listed under the exclusions sectionof this policy;

7. The Insured shall not continue to usethe Vehicle following MechanicalBreakdown where use may cause furtherdamage to the Vehicle;

8. In the event of any occurrence givingrise to a claim, the Insured must followthe procedure set out under the “Howto make a Claim” section of this policy;

9. If at the occurrence of a claim thereexists any other insurance, which wouldentitle the Insured to indemnity then thispolicy shall only contribute its rateable


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proportion of such loss;10. We reserve the right to subject the

Vehicle and or failed component to expertassessment;

11. Where dismantling of a coveredcomponent is necessary to determinethe validity of a claim, the Insured mustauthorise any dismantling. Costsincurred will only be met as part of avalid claim;

12. In the event of a claim and liability havingbeen rejected by Us, We shall not beliable for this claim after the expiry ofthree months from the date of rejectionunless within that time the claim issubject to arbitration;

13. It is expressly agreed and declared thatWe shall be released from all liabilityand obligation should the Terms andConditions of the policy not be compliedwith fully;

14. We reserve the right to direct or redirecta claim to one of Our approved repairersin order for repairs to be completed.Where the Insured wishes to nominatea repairer, the labour element of anyclaim will be limited to the approvedrepairerʼs labour rate unless You haveselected the franchise labour option andpaid the additional premium. All repairsare limited to the standard ICME repairtimes;

15. The Claims Administrator reserves theright to specify the use of guaranteedexchange or factored components. Thecomponents liability for any claim will belimited to the cost of the componentsspecified by the Claims Administrator;

16. All benefits under this policy shall beforfeited and the Insurer andAdministrator shall be released from allobligations to You if the conditions andʻHow to make a Claimʼ procedures arenot complied with or a claim made byYou or anyone acting on Your behalf toobtain a policy benefit is fraudulent or

intentionally exaggerated; or a falsedeclaration or statement is made insupport of a claim under this policy;

17. If We accept that there is a claim underthis Insurance but there is adisagreement in respect of the amountto be paid please refer to the CustomerService / Complaints section of Yourpolicy;

18. The Terms and Conditions andapplication details will be read as onecontract. A word or expression to whicha specific meaning has been attachedwill keep the same meaning whereverit appears unless specifically statedotherwise. A particular word or phrase,which is not defined will have its ordinarymeaning;

19. You are required by the provisions ofthe Consumer Insurance (Disclosureand Representations) Act to take careto:a) supply accurate and complete

answers to all the questions We orthe Administrator may ask as part ofYour application for cover under thepolicy;

b) to make sure that all informationsupplied as part of Your applicationfor cover is true and correct;

c) tell us of any changes to the answersYou have given as soon as possible.

Failure to provide answers in-line withthe requirement of the Act may meanthat Your policy is invalid and that it doesnot operate in the event of a claim;

20. This policy does not cover any costsrelated to diagnostic work;

21. This policy is only available for new orused Vehicles up to 10 years old at thedate of purchase of the policy.

Exclusions

We shall not be liable for any claims arisingthereby or indirectly caused or contributed



by or in consequence of a loss:

1. a) Occurring during the warranty orguarantee period of anymanufacturers or dealerʼs excessperiod (if any) or where faults havedeveloped during such period priorto the commencement of the Periodof Insurance (provided they wereevident at that time) and which havenot been completely rectified;

b) Resulting from any modification tothe Vehicle or the substitution ofcomponents by non-standardcomponents or equipment notapproved by the manufacturer of theVehicle;

c) If the mileometer has been altered ordisconnected or inoperative resultingin the mis-representation of theVehicleʼs actual mileage;

d) Caused by or arising from:i) Overheating, corrosion or the

gradual reduction in operatingperformance commensurate withthe age and mileage covered bythe Vehicle. This includes, but isnot limited to: (a) the gradual lossof engine compressionnecessitating the repair of valvesor rings (b) gradual increase in oilconsumption due to normaloperating functions;

ii) The use of a grade of fuel notrecommended by themanufacturer of the Vehicle of theingress of foreign matter into fuel,lubricants or cooling system. Theuse of inadequate or improperantifreeze protection;

iii) Routine servicing, maintenance orrepair of the Vehicle or fromnegligence, abuse or wilfuldamage;

iv) The subjecting of the Vehicle to a

load greater than that permittedby the manufacturerʼsrecommendations;

v) Fire, self-ignition, lightning,earthquake, explosion, frost, storm,tempest, flood, water damage,theft or attempted theft, aircraft orother aerial devices or articlesdropped there from or any extremecause;

vi) Any road traffic accident orcollision.

e) Involving components subject to recallor repair or replacement by themanufacturer or attributable to amanufacturerʼs design defect;

f) Directly or indirectly caused by orarising out of war, invasion, act offoreign enemy, hostilities (whetherwar be declared or not), civil war,rebellion, revolution, insurrection ormilitary or usurped power, riot, civilcommotion, strikes, lockout,confiscation or detention by customsor other officials or authorities,malicious intent or vandalism;

g) Directly or indirectly caused by orcontributed to by or arising from:i) Ionising radiations or

contamination by radioactivity fromany irradiated nuclear fuel or fromany nuclear waste from thecombustion of nuclear fuel.

ii) The radioactive toxic explosive orother hazardous properties of anyexplosive nuclear assembly ornuclear component thereof.

h) Occasioned by pressure wavescaused by aircraft or other aerialdevices traveling at sonic orsupersonic speeds.

2. Any ancillary components or equipmentnot listed under the “What is Covered”section of this policy;


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3. Relating to fuel, antifreeze, hydraulicfluids, grease or oils;

4. Investigatory or remedial workcommenced before authorisation by MISClaims;

5. Costs incurred in routine servicing orrepairs;

6. Any components, which have not failedbut have been reported as requiringreplacement during routine servicingand/or repairs or at the time an insuredrepair is in progress;

7. Any components which have not beenserviced in accordance with themanufacturer recommendations;

8. Liability which attaches to the Insuredby virtue of an agreement but whichwould not have attached in the absenceof such agreement;

9. Any Vehicle owned by a garage or itsassociated companies or by theproprietor of such garage or associatedcompanies or by an employee or relativeof such proprietor or componentbreakage occurring whilst the Vehicle isin the custody or control of such persons;

10. Any liability for death, bodily injury orloss of or damage to property other thanthe components or loss of use or anyConsequential Loss of whatsoevernature;

11. Non-compliance with the conditionsrelating to the servicing of the Vehicle;

12. The following vehicles are excluded fromcover, (unless with the expresspermissions of the Administrator andafter the payment of the appropriateadditional fee); all American, Australianand Canadian vehicles (unless built forthe UK market), Stretched limousines,Aston Martin, Bentley, Bristol, Bugatti,Caterham, 12 cylinder models, Electricor hybrid powered vehicles, Ferrari, FordCosworth models, Honda NSX,Hummers, Jaguar vehicles over 4000cc,Kit Cars, Lamborghini, Lancia Delta

Intergrale/8.32 Models, LCC Rocket,Lexus SC430 and LC models, MercedesS class and AMG models, Lotus, LPGpowered vehicles, Marcos, Maserati,McLaren F1, Mitsubishi 3000 GT,Morgan, Nissan 300ZX/Skyline, NobleM10, Panther, Porsche, Rolls Royce,Rotary engine vehicles, Subaru SVX,TVR, Venturi, Westfield. Service Vehiclee.g. police, fire and ambulance, vehiclesused for hire & reward, taxis, vehiclesor vans with a carrying capacityexceeding 3,500kg, or vehicles used inany sort of competitions, rallies, pacemaking or off road.

13. Any Vehicle where an MOT Certificateis not in force or has expired;

14. Advisory components noted on the MOTCertificate;

15. Relating to turbochargers;16. Failure of the clutch components due to

Wear and Tear;17. Worn out components;18. Any component listed under the What

is NOT Covered section of this policy;19. Any Vehicle declared as an insurance

category A, B, or C insurance write-offor stolen and recovered prior to the startdate of Your policy;

20. Mechanical Breakdown due to Wear andTear, oil, fluid or coolant leak, orMechanical Breakdown discoveredduring routine servicing within 30 daysand 1,000 miles of the start date of YourPolicy;

21. Damage to radiators caused by stoneimpact.

Cancellation

If You decide that for any reason, this policydoes not meet Your insurance needs thenplease return it to the Administrator within14 days of issue. On the condition that noclaims have been made or are pending, Wewill then refund Your premium in full.



If You wish to cancel Your policy after 14days You will be entitled to a pro-rata returnof premium, providing You have not made aclaim.

Insurer Cancellation

We shall not be bound to accept renewal ofany insurance and may at any time cancelany insurance document by giving 14 daysnotice in writing where there is a valid reasonfor doing so. A cancellation letter will be sentto You at Your last known address. Validreasons may include but are not limited to:

a) Fraudb) Non-payment of premiumc) Threatening or abusive behaviourd) Non-compliance with policy terms and

conditions

Provided the premium has been paid in fullYou will be entitled to a proportionate rebateof premium in respect of the unexpired periodshowing on the insurance.

How To Make A Claim

Should it be necessary to make a claim thefollowing procedure MUST be adhered towithin seven days of the MechancialBreakdown.

Contact the MIS Claims 02890 410220.

The Claims Administrator will need from You:• A signed and fully completed claim form.• This policy booklet.• Your receipted invoices for services.• A Copy of Your MOT Certificate

For any claim for roadside assistance andrecovery, please telephone: 0845 603 7991

IMPORTANT:

You must ensure that no work of anydescription is carried out on the Vehiclewithout the express authorisation of theClaims Administrator. It must be clearlyunderstood that costs for any other workstarted or completed before authorisationhas been given will be the responsibility ofthe Insured and will automatically invalidateany claim under this policy.

We reserve the right to direct or redirect aclaim to one of its approved repairers in orderfor repairs to be completed. Where You wishto nominate a repairer, the labour content ofany claim will be limited to the ClaimsAdministratorʼs approved labour rate andstandard ICME repair times.

It will be Your responsibility to pay the costsof dismantling and repairing the Vehicle ifthe cause of the breakdown is not coveredby this policy and, if it is covered, all costswhich exceed the Claim Limit as stated on


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Your Policy Schedule and any Claims Excessthat may apply. You are responsible forpaying for any other work You ask therepaired to carry out.

Payment: When the repairs have beencompleted, the repairer must submit the fullycompleted claim form and repair invoice.The invoice must be addressed to MIS Claimsand clearly show the authority number givenin connection with those repairs. The invoicemust show whom MIS Claims should pay,and give full details of the repair includingall components used in the authorised repair,labour and VAT.

IT IS NOT POSSIBLE FOR THE CLAIMSDEPARTMENT TO AUTHORISE A CLAIMWITHOUT ISSUING A SPECIFIC CLAIMSAUTHORITY NUMBER. FAILURE TOSUBMIT A SIGNED AND FULLYCOMPLETED CLAIM FORM WILL DELAYREIMBURSEMENT OF YOUR CLAIM.

UK General Insurance Limited is an agentof Ageas Insurance Limited and in the mattersof a claim act on behalf of Ageas InsuranceLimited.

Customer Service / Complaints

It is the intention to give You the best possibleservice but if You do have any questions orconcerns about this insurance or the handlingof a claim You should follow the ComplaintsProcedure below:

Please contact the Administrator whoarranged the Insurance on Your behalf.

Motorists Insurance Services LtdBeechwood House37 Comber RoadDundonaldBT16 2AATelephone: 028 90 410220

In all correspondence please state that Yourinsurance is provided by UK GeneralInsurance Limited and quote your policynumber.

If it is not possible to reach an agreement,You have the right to make an appeal to theFinancial Ombudsman Service. This alsoapplies if you are insured in a businesscapacity and have an annual turnover of lessthan ¤2million and fewer than ten staff. Youmay contact the Financial OmbudsmanService at:

The Financial Ombudsman Service,South Quay Plaza,183 Marsh Wall,Docklands,London,E14 9SR.

The above complaints procedure is in additionto Your statutory rights as a consumer. Forfurther information about Your statutory rightscontact Your local authority Trading StandardsService or Citizens Advice Bureau.

Compensation Scheme

Ageas Insurance Limited is covered by theFinancial Services Compensation Scheme(FSCS). You may be entitled tocompensation from the scheme, if theycannot meet their obligations. This dependson the type of business and thecircumstances of the claim. Most insurancecontracts are covered for 90% of the claim.You can get more information aboutcompensation scheme arrangements fromthe FSCS or visit www.fscs.org.uk.

Data Protection Act 1998

Please note that any information providedto Us will be processed by Us and Our agentsin compliance with the provisions of the Data



Protection Act 1998, for the purpose ofproviding insurance and handling claims, ifany, which may necessitate providing suchinformation to third parties. We may alsosend the information in confidence for processto other companies acting on their instructionsincluding those located outside the EuropeanEconomic Area.

SECTION 2

Roadside Assistance And Recovery Benefit

If your Vehicle suffers a mechanicalBreakdown within the Territorial limits pleasecall 0845 603 7991 we will provide road sideassistance and or recovery. If your vehiclecannot be repaired on the spot, we will towthe vehicle to the nearest repairer, recoveryyard or your home, if closer.The maximum contribution per recovery willbe limited to £65 including VAT. The methodof recovery must prevent any further damageto the vehicle.

Rescue Cover

If Your car cannot be repaired within areasonable period of time. We will provideeither of the following additional benefits.

• A replacement vehicle for up to 48 hourssubject to availability

Or

• Overnight accommodation includingbreakfast in a local hotel whilst you awaitfor the repairs to be completed. Theincident must have occurred more than 60miles from Your home.

This additional cover extends to the UK and

ROI and the maximum we will pay inproviding these additional benefits is £175.If you are required to settle a hotel account,please retain the receipt and forward to theclaims Department at MIS Claims on Yourreturn. MIS will only be responsible for thecost of the accommodation includingbreakfast. Any other meals, drinks or othercosts will be the responsible of the client.

These aspects of cover are only providedfollowing a mechanical or electricalbreakdown.

Mainland European Emergency Cover - Cash Benefit

In the event your vehicle suffers a breakdownincident in mainland Europe, the police, whencontacted by you will usually arrange for asuitable Recovery Agent to assist you. Youwill usually be asked to settle the bill at thetime of the recovery. To avail of the benefitsunder this section, retain the invoice andforward same with a brief description of theincident to MIS. Please note! The maximumwe will pay under this section is ¤250 orequivalent.

Breakdown Exclusions and Conditions

The Company shall not be liable for:1. For any liability or consequential loss

arising from any act performed in theexecution of the assistance serviceprovided.

2. For any accident or breakdown broughtabout by any avoidable, wilful ordeliberate act committed by the insured.

3. For cost of repairing the car.4. For the cost of any parts, keys, lubricants,

fluids or fuel required to restore avehicleʼs mobility.


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5. For any claim caused by fuels, mineralessences or other flammable materials,explosives or toxins transported in thecar.

6. No benefit shall be payable unlessMotorists Insurance Services Ltd hasbeen notified and has authorisedassistance through the medium of theemergency telephone number provided.

7. Territorial limits of cover are the UK andthe Republic of Ireland.

8. Vehicles eligible for assistance will berestricted to private cars, private carsmodified for commercial use andcommercial vehicles up to fully ladenweight of 7.5 tonnes.

9. MIS will only be responsible for oneassist per incident and a maximum ofthree assistances per annum. MotoristsInsurance Services Ltd will not beresponsible where it is asked to providethe service for a fault it has previouslydealt with in the preceding 28 days.

10. We will endeavour to provide all thebenefits associated with this policy,however, all the options may not beavailable to us at the time of abreakdown.

11. We will retain the discretion to provideassistance outside the terms of this policyand dependent upon circumstances.

12. The vehicle must have a valid currentMOT certificate.

13. The driver must be with the vehicle whenthe recovery agent is tasked, if they areabsent any subsequent assistance willbe at the policyholders own cost.

14. We may refuse assistance incircumstances where the driver is clearlyintoxicated or the vehicle is in aninaccessible off road location.

15. Breakdown assistance will not beprovided if the vehicle is already at aplace of repair.

16. MIS will not assist where a vehicle isimmobile due to snow or ice.

This does not affect your statutory rights.

Please note the complaints procedures relateto the leagl expenses element of this contract.The Financial Services Authority does notregulate the breakdown services orreplacement car facilities. However shouldyou wish to make a complaint in respect ofthese services, contact the Managing Directorof Motorists Insurance Services Ltd.

TRANSFER OF OWNERSHIP

This policy is transferable at the Insurer;sdiscretion at the First Sale of the insuredvehicle to a new Private Owner providingthere are no pending claims on the vehicle.

Application must be made to MIS Claims atthe time of the change of ownership. MISClaims will charge £35 for this service.

Under no circumstances can this guaranteebe transferred to another vehicle or to/viaany member of the Motor Trade. If theguarantee is transferred to a new owner theguarantee will not be subject to the statutorycancellation period.

New Owner

Mr/Mrs/Miss: ...............................................

Address: ......................................................

.....................................................................

I/we have read and agree to abide by theterms and conditions of the Policy andrequest that all rights and benefits of thePolicy be transferred to me/us.

New Owner Signature:

.....................................................................



Previous Owner

Mr/Mrs/Miss: ...............................................

Warranty Certificate Number:

.....................................................................

Make and Model of Insured Vehicle:

.....................................................................

Registration Number: ..................................

Recorded odometer reading at date oftransfer:

.....................................................................

Date of transfer: ..........................................

I/we have disposed of the vehicle describedand request that all rights and benefits of thePolicy be transferred to the new owner asabove.

Previous Owner Signature:

.....................................................................

SERVICING RECORDS

IMPORTANTIt is vital that You retain all original VATService invoices for Your own protection andin case we require to inspect them.Remember, the only proof that servicing hasbeen carried out will be fully detailed originalVAT service invoices, indicating dates andmileages when services have been carriedout.

P.D.I. / Service by Selling DealerDate: .........................Mileage/Kilometres:...................................Invoice No:...................................Your Next Service Due: ...............................Signature: ...................................................

Second ServiceDate: .........................Mileage/Kilometres:...................................Invoice No:...................................Your Next Service Due: ...............................Signature: ...................................................

Third ServiceDate: .........................Mileage/Kilometres:...................................Invoice No:...................................Your Next Service Due: ...............................Signature: ...................................................

Fourth ServiceDate: .........................Mileage/Kilometres:...................................Invoice No:...................................Your Next Service Due: ...............................Signature: ...................................................

Dealer Stamp:

Dealer Stamp:

Dealer Stamp:

Dealer Stamp:


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