scotsure warranty · in this policy, words that appear in bold have the following special meaning:...

established

WARRANTY RENEWAL HANDBOOK

Warranty protection for your vehicle

1982

SCOTSUREWARRANTY

Scottish Motor Trade Association

Welcome to your Scotsure Renewal Warranty

Your Scotsure Renewal Warranty policy has been designed to make sure that you continue to get the most from your motoring with minimum inconvenience. You will always receive a first-class administration service that is always reliable and handles claims quickly and efficiently.

Your Scotsure Renewal Warranty policy is administered by Car Care Plan and underwritten by Motors Insurance Company Limited.

Motor Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Car Care Plan Limited is authorised and regulated by the Financial Conduct Authority.

Motors Insurance Company Limited will provide the insurance outlined in this booklet on the condition that you have paid the premium for the level of cover that you have chosen and your renewal application has been accepted by us.

This handbook including the ‘What is covered’ insert(s) at the back explain how your policy works and the benefits you continue to enjoy as a Scotsure Warranty policyholder.

Always keep this handbook in your vehicle, as you will need it to make a claim. Please ensure that you fully understand the terms and conditions relating to the policy and in particular the vehicle servicing requirements and claims procedure. Please also note the information provided in the “How to Claim” section. The contents of your handbook are on page 4.

Underwritten by:MOTORS INSURANCE COMPANY

LIMITED

Registered Office:JUBILEE HOUSE

MID POINT BUSINESS PARK THORNBURY BD3 7AG

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Contents

Welcome . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

General Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Policy Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

How to Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Enquiries and Complaints . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Cancellation and Refunds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Invalid Benefit Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Optional Scotsure Assist Breakdown Cover: Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Scotsure Assist: What is Covered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15-16

Scotsure Assist: Exclusions & Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-18

Scotsure Assist: How to Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Scotsure Assist: Terms & Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19-20

Scotsure Assist: Enquiries & Complaints . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20-21

Scotsure Assist: Privacy and Data Protection Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21-22

Scotsure Renewal Warranty Keyfacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23-27

Optional Scotsure Assist Keyfacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28-30

In this policy, words that appear in bold have the following special meaning:

“Administrator” Scotsure Renewal Warranty, Jubilee House, Mid Point Business Park, Thornbury BD3 7AG

“Geographical Limits” The United Kingdom, the Channel Islands and the Isle of Man.

“Mechanical And Electrical Breakdown” The sudden and unforeseen failure of a mechanical or electrical component causing a stoppage of its function and requiring a repair or replacement to resume that function.

“Period Of Cover” The period of cover is 12 months, unless this cover is cancelled by you or us under the terms of this policy.

“Policy” The cover provided to you by us on the terms and conditions in this handbook (including any inserts), the proposal form and the validation certificate.

“Validation Certificate” This is the confirmation that we have accepted your proposal. When you receive your validation certificate, please check that it contains the correct details (particularly in relation to the length of the insurance and the maximum individual claim limit) and tell the administrator immediately if there are any mistakes.

“We, Our, Us” Motors Insurance Company LimitedJubilee HouseMid Point Business Park Thornbury BD3 7AGRegistered number 2678367

MICL is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services register number: 202875

“You, Your” The purchaser of the vehicle as named on the validation certificate.

“Claims Limit” The maximum single claim is £1000 for the Scotsure renewals product. There’s no limit to the number of claims that can be submitted, up to the market value of the vehicle.

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Definitions

Eligibility

PLEASE READ THE FOLLOWING INFORMATION CAREFULLY.

1 You will not be covered by this policy until:

• the administrator has received your completed proposal form;

• we have accepted your application; and

• the administrator has sent you your validation certificate.

2 Cover under this policy can only be granted to individuals residing or bodies corporate registered in the United Kingdom, the Channel Islands or the Isle of Man.

3 For a vehicle to be covered under this policy it must be a United Kingdom registered used car, car derived van or light commercial vehicle and the vehicle age and mileage must not exceed 10 years or 100,000 miles at the time of renewal.

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WHAT IS COVEREDMechanical and Electrical Breakdown The components that are covered under this policy depend on the level of cover that is specified in your validation certificate. The ‘What is covered’ and ‘What is not covered’ insert at the back of this handbook provides full details about this. It is your responsibility to check that the level of cover specified on the insert matches the level of cover specified on your validation certificate and to contact the administrator straight away if it does not.If you have a valid claim under your Mechanical and Electrical Breakdown cover you may also be able to claim:

• Vehicle Replacement Up to £40 a day, including VAT but not including petrol and insurance, towards the cost of a replacement vehicle whilst your vehicle is being repaired. You

are responsible for the first 24 hours that you cannot use your own vehicle. After this period, you can claim for a replacement vehicle for up to seven days. You must get telephone approval direct from the administrator before you use this service.

We will not be liable for any additional costs in respect of: • Availability of parts. • Parts transportation. • Vehicle hire costs incurred awaiting parts transportation. • Vehicle hire costs incurred awaiting parts or work to start or continue on your vehicle. • Vehicle specification anomalies compared with the United Kingdom equivalent model. • Any other damage caused as a result of a failure of a part which does not conform to the normal United Kingdom specification of the warranted vehicle.

• Towing-In Charges If your claim is valid and your vehicle needs to be towed, you can claim up to £60 per claim (including VAT) for towing shown on a receipt from a VAT

registered recovery company.

USING YOUR VEHICLE ABROADYour Mechanical and Electrical Breakdown cover applies throughout the geographical limits but is also valid whilst your vehicle is outside the geographical limits for up to a total of 60 days per annum subject to the following: • The repair must be carried out in countries who are members of the European Union or European Free Trade Association (Iceland,

Liechtenstein, Norway and Switzerland). • We will not pay more than the equivalent United Kingdom rate for labour charges and manufacturer‘s list prices for parts at the date of your claim. • We will pay you in pounds sterling at the rate of exchange prevailing for the relevant currency at the time of repair, on receipt of a VAT or equivalent tax

invoice.

Benefits

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General ExclusionsThis policy does not cover the following:

1 Any vehicle which does not conform to the United Kingdom Department for Transport (DfT) vehicle type approval standards.2 Faults which a qualified engineer appointed by us or the administrator believes could have reasonably existed before this policy began, could

have been avoided or were totally or partly caused by a lack of maintenance or negligence.3 Any vehicle where the speedometer or odometer has been interfered with, altered or disconnected or has failed.4 Repairs not authorised by us or the administrator.5 American imports, grey imports, kit cars, motorhomes, driving school vehicles, commercial vehicles with an unladen weight of more than 3.5

tonnes Gross Vehicle Weight, vehicles used for hire, reward or in any sort of competition, rally or racing, public service vehicles such as police vehicles, ambulances, military vehicles etc.

6 Any vehicle owned by a garage, motor trader or similar company.7 The gradual reduction in operating performance (wear and tear) due to the age of the vehicle and/or the number of miles it has covered.8 Any liability for death, bodily injury, or damage to other property or any loss caused directly or indirectly by the claim or event giving rise to a claim

under this policy.9 Anything caused directly or indirectly by war, riot, revolution or any similar event, or by vandalism, theft or attempted theft from the vehicle.10 Injury, loss or damage that is caused by the following: a) Ionising radiation, or radioactive contamination from any nuclear fuel or the nuclear waste arising from burning nuclear fuel; or b) The radioactive, toxic, explosive or other dangerous properties of any explosives, nuclear equipment or nuclear part of that equipment.11 Any damage which is due to any type of accident or which is negligent or against the law of the country in which the incident occurred.12 Any damage to parts which are being recalled by the vehicle’s manufacturer or which have design faults.13 Any fault that is noted, reported or repaired during routine servicing of the vehicle, vehicle health checks, or MOT advisories.14 Any repairs not notified to us before the policy expiry date.15 Any component damage caused by excessive heat or overheating, or by an engine over speed condition, or caused by continued use of a vehicle

with a known fault.

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The conditions of this policy are set out below. In particular, please note condition 7 regarding servicing.

1 It is your responsibility to decide whether to authorise the dismantling of your vehicle. We will only pay for dismantling if it is part of a valid claim. We have the right to examine the vehicle and also have the damaged parts expertly assessed.

2 If your claim is also covered by any other policy, we will only pay our share of the claim.3 The reimbursement this policy provides will not be more than the manufacturer’s list prices for parts. Parts which can only be sourced from outside

the United Kingdom will be reimbursed at the United Kingdom price of an equivalent part. Labour costs that are necessary to repair those parts will be reimbursed as per the repairer’s insurance labour rate and actual repair times will be limited to those in the latest Autodata or ICME manual or the manufacturer’s recommended repair times.

4 This policy is governed by English law. The parties to this policy agree to irrevocably submit to the jurisdiction of the courts of England and Wales unless you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case you will be entitled to commence legal proceedings in your local courts.

5 You cannot change this policy in any manner whatsoever or assign the benefits under this policy.6 When your cover under this policy ends it will not have any cash or surrender value.7 If you don’t follow the manufacturer’s service schedules, this will affect your ability to make a claim. When you have your vehicle serviced, you are allowed

500 miles either side of the service mileage or four weeks either side of the time period given, whichever comes first. It is important that you retain your receipts as they will be required to validate any claim you make. Please note that your vehicle must be serviced by a VAT registered dealer.

8 To improve the quality of service, some telephone calls will be monitored and recorded for training purposes.9 We will use the English language in all documents and communications relating to this policy.10 We have a regulatory obligation to prevent fraud. Insurers share information with each other to prevent fraudulent claims via a register of claims. A list of

participants is available on request. In the event of a claim, any information you have supplied relevant to this insurance cover and on a claim form, together with other information relating to the claim, will be provided to the Register of claims.

11 We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit.

For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk or call 0800 678 1100 or 0207 741 4100.

Policy Conditions

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How to Claim

This section sets out what you need to do if you need to make a claim under this policy.Take your vehicle to the dealer who supplied it (or any other VAT registered repairer) and they can request approval for repairs bytelephoning the administrator’s Claims Department on 0344 573 8113 and providing the following information: a) Your policy number. b) Your vehicle registration number. c) The date and mileage the component(s) failed. d) A detailed estimate of repair costs.

Please ensure that the repairing dealer does the following:1 Makes a note of the claim number issued by the administrator’s Claims Department.2 Shows you a copy of the repair invoice which you must sign anywhere upon the invoice.3 Carries out the repair and sends the invoice, claim number and all receipts requested to the administrator at: Scotsure Renewal Warranty, Jubilee House, 5 Mid Point Business Park, Thornbury, BD3 7AG

• CLAIMS WHILST ABROAD Please refer to page 7 of this handbook if you need to make a claim for mechanical and electrical breakdown outside of the geographical limits.

• IMPORTANT a) You must not commence with any repairs until a claim reference number is issued. b) We will not pay any claim until we have received a completed claim form, when requested, and related invoices. c) Make a note of your full policy type and number. This will make it simpler if you have any questions about your claim. Please note we will not pay any claim until the administrator has received all documents.• IMPORTANT TELEPHONE NUMBER Administration & Claims Helpline: 0344 573 8113

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With every claim you make, you must provide a VAT receipt from a garage, repairer, vehicle hire or recovery company (if applicable to your claim).

ENQUIRIES AND COMPLAINTSSTEP 1While it is always our intention to provide a first class standard of service, if you do have any concerns regarding your policy, please address them to the administrator:The Customer Services Manager, Scotsure Warranty Renewal Administration, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AGTel: 0344 573 8113 email: [email protected]

STEP 2If you are not satisfied with the response given, you may refer the matter to us:The Insurance Manager Motors Insurance Company Limited Jubilee House Mid Point Business Park Thornbury BD3 7AG

STEP 3You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website www.financial-ombudsman.org.uk or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: 0800 023 4567 or 0300 123 9123

We abide by the Motor Industry Vehicle Warranty Products Code of Practice which can be found on The Motor Ombudsman website at www.TheMotorOmbudsman.org.

The Motor Ombudsman will offer free impartial information and if appropriate an alternative dispute resolution process in the event that you are not satisfied with the outcome of a concern.

For further information, you can visit The Motor Ombudsman website at www.TheMotorOmbudsman.org or call their Information Line on 0345 241 3008.

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Enquiries and Complaints

Cancellation and Refunds

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YOUR RIGHT TO CANCEL1 Within the “cooling off period” - if you decide you do not want the cover and wish to cancel your policy, you can do so within 30 days of the start

of the period of cover or the date you receive the policy documents, whichever is the later (the “cooling off period”). You will receive a full refund of any premium you have paid provided no claim has been made under the terms of this policy. If you have made a claim, no refund of premium will be payable.

2 Outside the “cooling off period” - if you cancel outside the initial 30 day cooling off period, any refunds will be made on a pro-rata basis (less a £30 cancellation fee) providing you have not made a claim.

3 To cancel, please contact the administrator on 0344 573 8113 or in writing to Scoture Warranty Renewal Administration, Jubilee House, 5 Mid Point Business Park, Thornbury BD3 7AG.

4 If you have paid for your policy by instalment payments through an instalment agreement with Scotsure Warranty Administration, any refund amount owed to you will be calculated in line with the following rules:

Where you have paid all the instalment payments, we will calculate the refund as above. The refund will be paid directly to you. Where you have NOT paid all the instalment payments, we will calculate the refund as above and:4.1 If the refund you are eligible for is in excess of the total outstanding instalment payments you owe Scotsure Warranty Administration, we will pay the

difference directly to you; or4.2 If the refund you are eligible for is less than the total outstanding instalment payments you owe Scotsure Warranty Administration, you will not receive

a cash refund. The refund will be applied as part payment of your total outstanding instalment payments. You will continue to be responsible for paying the remaining outstanding payments on your instalment agreement with Scotsure Warranty Administration

until the balance calculated at the time of notice of cancellation received by the administrator has been settled. Please allow up to 28 days for your cancellation and refund to be processed.

OUR RIGHT TO CANCEL1 We may cancel your insurance cover immediately:1.1 where there is evidence of your dishonest or exaggerated behaviour (or dishonest or exaggerated behaviour by someone acting on your behalf) in

relation to the cover provided under this policy;1.2 where you have failed to make disclosure of a material fact which, if disclosed at the time of application, would have caused us to decline you for

cover;1.3 where you have misrepresented a material fact which, if correctly represented at the time of application, would have caused us to decline you for cover;

or1.4 where necessary to comply with any applicable laws or regulations.

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Cancellation and Refunds (continued)

2 Except in cases of dishonest or exaggerated behaviour, mis-representation or failure to disclose a material fact, any decision to cancel cover will not be made at an individual level and will not be based on whether you have made a claim.

3 Except in cases of dishonest or exaggerated behaviour, mis-representation or failure to disclose a material fact, cancellation of your policy will not affect your entitlement to claim for any event occurring before the date of cancellation.

PREMIUMS1 You will pay the premium and, subject to the terms and conditions of the policy, be covered for the period of cover as shown on your validation

certificate.2 Cover is available as an annual policy with a single upfront payment or via monthly instalments. Where you have selected to pay for this policy as an upfront single payment, you must pay the premium on or before the start of the period of cover

for this policy to remain valid. Where you have selected to purchase your product via monthly instalments, you have entered into an agreement to purchase an annual policy,

spreading the cost over interest free instalments. You are required to continue to pay your instalments until all monies owed have been paid. The cover level provided when opting to pay by monthly instalments is identical to that of an annual policy. You must pay the premium every month

on or before the date when it is due. Payment is required for the full premium of your policy subject to the cancellation terms. Should you fail to pay a monthly premium when it is due, all cover will cease immediately from that date. Where you have made a claim against the policy, you will be asked to continue to make your monthly instalment payments.

TERMS AND CONDITIONS1 We may vary or waive your terms and conditions to:1.1 Improve your cover; 1.2 Comply with any applicable laws or regulations;1.3 Correct any typographical or formatting errors that may occur.1.4 You will be given at least 30 days written notice to your last known address of any alteration to the terms and conditions of cover under this policy

unless the change is due to legislative or regulatory requirements. If your cover is changed due to legislative or regulatory changes which are outside our control, then we may not be able to give you 30 days notice.

2 If we vary or waive your terms and conditions and you do not wish to continue your cover you can cancel as set out in section “Cancellations and refunds” “Your right to cancel”. Cancellation fee will not be applicable.

3 We reserve the right to provide replacement parts and to carry out repairs under this policy or to arrange for their provision by other persons.

INVALID BENEFIT PAYMENTSIf we make any payments as a result of your dishonest or exaggerated behaviour (or the dishonest or exaggerated behaviour of someone acting on your behalf) you will no longer be entitled to any benefits under this policy and we may demand that any payments made by us are paid back. We may take legal action against you for the return of such monies and we may demand that you reimburse us for any investigation costs incurred.

Scotsure Assist Policy - only applicable if selected

Scotsure Assist is underwritten by Motors Insurance Company Limited (MICL), Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG, registered number 2678367. MICL is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services register number: 202875.This policy provides you with the cover described in this document. The insurance will be in force for the period of insurance and is subject to the terms and conditions set out below. Only if you have selected and paid for this cover.Please read this document carefully and make sure you understand it. These terms and conditions must be read in conjunction with the validation letter to determine what cover is applicable to you.Please inform Scotsure Assist immediately of any change in your home address or any other change affecting you, which requires an alteration to the validation letter.

1 DEFINITIONSThe following words and phrases will have the following meanings where they appear in bold type. “breakdown” means an electrical or mechanical failure, a road traffic accident or damage caused by vandalism or theft that immediately renders the vehicle immobile;“Scotsure Assist” is the brand name of a service administered by Call Assist, Axis Court, North Station Road, Colchester, CO1 1UX. The cover provided has been arranged by Scotsure Warranty Renewal Administration, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG;“start date” means the start date shown on the validation letter;“home” means the address registered with Scotsure Assist and shown on the validation letter;“period of insurance” means the period of cover from and including the start date as shown on the validation letter;“premium” means the single sum payable by you at or prior to the start date for insurance cover under this policy;“territorial limits” means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man only;“validation letter” means the certificate attaching to this policy which sets out the details of your cover;“vehicle” means the vehicle registered with Scotsure Assist and shown on the validation letter. The vehicle must not be greater than 3.5 tonnes in weight or more than 5.18 metres (17 feet) long, 1.91 metres (6 feet 3 inches) wide or 2.44 metres (8 feet) high, nor should it be used as a taxi, private hire vehicle, or a vehicle used for self-drive hire;“vehicle rescue operator” means the breakdown/rescue operative authorised and instructed by Scotsure Assist; “we, our, us” means Motors Insurance Company Limited (MICL), Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG;“you/your” means the person registered with Scotsure Assist and shown on the validation letter who has purchased this insurance cover.

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2 WHAT IS COVERED?This cover includes the following benefits:A. Local Rescue (i) If during the period of insurance your vehicle suffers a breakdown within the territorial limits, Scotsure Assist will arrange for a

vehicle rescue operator to attend the breakdown and this insurance will cover the following: (a) call out fees and up to 1 hour’s labour charge for repairs to the vehicle carried out at the scene of the breakdown; and/or (b) if the vehicle cannot be satisfactorily repaired at the roadside within 1 hour of the vehicle rescue operator attending the breakdown

- the cost of transporting the vehicle, the driver and up to four passengers, or the driver and up to seven passengers in the case of a Multi-Purpose Vehicle (MPV), to the nearest repairer within a 20 mile radius of the scene of the breakdown who is able to repair the vehicle within 24 hours (or such period Scotsure Assist may otherwise agree).

(ii) If the vehicle is involved in a road traffic accident and you do not have comprehensive motor insurance, Scotsure Assist will arrange for your vehicle to be recovered to the nearest repairer.

B. Local Recovery If the repairer cannot repair the vehicle within 24 hours then, subject to agreement between you and Scotsure Assist, this insurance will cover the cost of transporting the vehicle, the driver and up to four passengers, or the driver and up to seven passengers in the case of a Multi-Purpose Vehicle (MPV), to any destination within a 20 mile radius of the scene of the breakdown.C. Recovery If the repairer cannot repair the vehicle within 24 hours then, subject to agreement between you and Scotsure Assist, this insurance will cover one of the following: (i) the cost of alternative road or rail travel for the driver and up to four passengers, or the driver and up to seven passengers in the case of a

Multi-Purpose Vehicle (MPV), to travel from the scene of the breakdown to one destination within the territorial limits and the cost of a return journey for one person to collect the vehicle after repair; or

(ii) the cost of one night’s emergency hotel accommodation in the vicinity of the breakdown for the driver and up to four passengers, or the driver and up to seven passengers in the case of a Multi-Purpose Vehicle (MPV). Any costs for items other than accommodation are not included. The maximum payment will be £200 per breakdown; or

(iii) the cost of a suitable hire car for a maximum of two 24 hour periods. The first period is to take the passengers to their destination within the territorial limits, the second to recover the repaired vehicle if travel to recover the vehicle cannot be achieved by other means; or

(iv) the cost of transporting the vehicle, the driver and up to four passengers, or the driver and up to seven passengers in the case of a Multi-Purpose Vehicle (MPV) to, any destination within the territorial limits.

Scotsure Assist Policy

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The following benefits also apply:D. Message Service If you require, Scotsure Assist will pass on two messages to your home or office to let them know of your predicament and ease your worry.E. Puncture Cover If your vehicle sustains a puncture and you are unable to change the wheel, Scotsure Assist will arrange for a vehicle rescue operator to attend the vehicle and change the wheel, or, if there is no serviceable spare wheel/tyre, to attempt a temporary repair at the roadside to enable the vehicle to be driven to the nearest tyre fitment centre for permanent repair or replacement.If the tyre cannot be changed or a temporary repair effected at the roadside Scotsure Assist will arrange for the vehicle, the driver and up to four passengers or the driver and up to seven passengers in the case of a Multi-Purpose Vehicle (MPV), to be recovered to the nearest tyre fitment centre.F. Home ServiceIncludes call out fees and labour charges up to a maximum of 1 hour for repairs to the vehicle carried out at the scene of the breakdown within 1 mile of your home and if the vehicle cannot be repaired there, recovery to the nearest garage able to complete the repairs within 10 miles.G. Caravans/Trailers If your vehicle breaks down and your caravan or trailer is attached, providing it is fitted with a standard towing hitch and does not exceed 7.01 metres (23 feet) in length, your caravan or trailer will be recovered with your vehicle at no extra cost.H. Accident Cover If your vehicle is involved in an accident rendering it immobile or illegal Scotsure Assist will transport your vehicle to a nominated local address within 10 miles of the accident and within the United Kingdom.

3. LIMIT OF LIABILITYThe maximum liability under this insurance shall be £2500 for all claims during the period of insurance in respect of any one vehicle.

4. EXCLUSIONS AND LIMITATIONSThis insurance shall not cover: (i) vehicles in excess of 3.5 tonnes; more than 5.18 metres (17 feet) long, 1.91 metres (6 feet 3 inches) wide and 2.44 metres (8 feet) high; vehicles

used for hire or reward (for example taxis, self-drive hire or driving instruction vehicle); (ii) the cost of: (a) any parts, components, tyres, materials or labour charges (other than the first hour); (b) food, drinks, telephone calls or other incidental expenses;

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(c) fuel, oil or insurance of a hire vehicle; (d) any costs which may be recoverable under any other insurance; or (iii) any breakdown caused by the failure to maintain the vehicle in a roadworthy condition including the maintenance of proper levels of oil and

water; (iv) any breakdown where the vehicle: (a) does not comply with the current relevant construction and use regulations, or does not display a valid road fund licence; (b) is not accessible or cannot be transported safely and legally using a standard transporter or trailer; (v) any breakdown occurring when the vehicle: (a) is being used for motor racing, rallies, speed or endurance tests or practices for those activities; (b) is carrying more people or cargo than it is designed to carry; (vi) the recovery of the vehicle or passengers if repairs can be carried out at or near the scene of the breakdown within 1 hour of the vehicle

rescue operator attending the breakdown; (vii) overnight accommodation costs and hire charges if repairs can be carried out at or near the scene of the breakdown within 24 hours of the

vehicle rescue operator attending the breakdown; (viii) the charges of any company or person other than the vehicle rescue operator or any car hire or accommodation charges other than those

authorised by Scotsure Assist and for which a reference number has been given; (ix) claims where Scotsure Assist has not been notified promptly of the breakdown prior to expenses being incurred; (x) any other costs that are indirectly caused by the event which led to your claim, unless specifically stated in this policy; (xi) any charges arising from your failure to comply with the requests of Scotsure Assist or its agents concerning assistance being provided to

you; (xii) any charges where, having contacted Scotsure Assist, you effect recovery or repair by other means; (xiii) claims where the registration number of the vehicle has not been registered with Scotsure Assist; (xiv) fines or penalties imposed by the courts, ferry charges or tolls; (xv) any breakdown occurring outside the period of insurance; (xvi) the vehicle being temporarily disabled by floods, ice, snow affected roads or being embedded in sand or mud; (xvii) the recovery of a trailer/caravan unless it is 7.01 metres (23 feet) or less in length and safely attached by a standard towing hitch to the

vehicle in the normal manner at the time of the breakdown; (xviii) the recovery of a trailer/caravan where the vehicle towing the trailer/caravan has not suffered a breakdown;

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(xix) any direct or indirect loss, damage or liability caused by, contributed to or arising from: (a) ionising radiation or contamination by radioactivity from an irradiated nuclear fuel or from nuclear waste from the combustion of nuclear fuel; (b) the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly component thereof; (c) any results of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or

usurped power.

5. CHANGE OF VEHICLEThis insurance only covers the vehicle registered on the Scotsure Assist database, therefore any change must be notified immediately either by telephoning 0344 573 8113, or writing to: Scotsure Assist, Jubilee House, 5 Mid Point Business Park, Thornbury, BD3 7AG. Please include your policy number, the new registration, make, model and colour of your new vehicle and the date you wish to make the change. If you do not notify Scotsure Assist of the new vehicle details, Scotsure Assist will not be able to supply any of the services described in this policy document.

6. CHANGE OF ADDRESSIf you change your home address, Scotsure Assist must be notified immediately of any change by telephoning 0344 573 8113. Failure to do so may result in Scotsure Assist being unable to provide any of the services described in this policy document.

7. HOW TO CLAIMTelephone Scotsure Assist on 0330 123 2512. You will be asked to provide various details, including:

(i) your policy number; (ii) your vehicle registration number; and (iii) your location.

Scotsure Assist will discuss with you the assistance you require, and arrange for a vehicle rescue operator to attend. You will be covered for all the expenses Scotsure Assist authorise.Note: If the police arrange to move your vehicle before you have obtained authorisation from Scotsure Assist, the cost will not be covered by this insurance – but it will normally be covered by your motor insurance policy.

8. INVALID BENEFIT PAYMENTSIf Scotsure Assist make any payments as a result of your dishonest or exaggerated behaviour (or the dishonest or exaggerated behaviour of someone acting on your behalf) you will no longer be entitled to any benefits under this policy and Scotsure Assist may demand that any payments made by Scotsure Assist are paid back. Scotsure Assist may take legal action against you for the return of such monies and it may demand that you reimburse Scotsure Assist for any investigation costs incurred.

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9. PREMIUMS You will pay the premium and, subject to the terms and conditions of the policy, be covered for the period of insurance as shown in your validation letter.

10. TERMS AND CONDITIONS (i) We may vary or waive your terms and conditions to: (a) improve your cover; (b) comply with any applicable laws or regulations; or (c) correct any typographical formatting errors that may occur; (d) you will be given at least 30 days’ written notice to your last known address of any alteration to the terms and conditions of cover under

this policy unless the change is due to legislative or regulatory requirements. If your cover is changed due to legislative or regulatory changes which are outside our control, then we may not be able to give you 30 days’ notice.

(ii) If we vary or waive your terms and conditions and you do not wish to continue your cover you can cancel as set out in section 11 below. An administration fee will not be applicable.

11. YOUR RIGHT TO CANCEL (i) To cancel please contact the administrator on 0344 573 8113 or in writing to Scotsure Warranty Renewal Administration, Jubilee House,

5 Mid Point Business Park, Thornbury BD3 7AG. Please allow up to 28 days for your cancellation and refund to be processed. Please Note: Scotsure Assist can only be cancelled in conjunction with your Scotsure Renewal Warranty. (ii) No refund is available in the last 30 days of cover if you have made a claim.

12. OUR RIGHT TO CANCEL (i) Our insurance cover may be cancelled immediately: (a) where there is evidence of your dishonest or exaggerated behaviour (or dishonest or exaggerated behaviour by someone acting on your

behalf) in relation to the cover provided under this policy; or (b) where necessary to comply with any applicable laws or regulations. (ii) Except in cases of dishonest or exaggerated behavior, any decision to cancel cover will not be made at an individual level and will not be

based on whether you have made a claim. (iii) Except in cases of dishonest or exaggerated behavior, cancellation of your policy will not affect your entitlement to claim for any event

occurring before the date of cancellation.

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13. GENERAL TERMS AND CONDITIONS (i) You and any authorised driver must be insured and licensed to drive the vehicle. (ii) The vehicle must be taxed, insured and maintained in a safe and roadworthy condition and serviced in accordance with the manufacturers

recommended service interval during the period of insurance. (iii) You should take all reasonable steps to have permanent repairs made to your vehicle following a breakdown. If you fail to take such steps, Scotsure Assist may refuse to provide assistance if the same fault recurs. (iv) This insurance is limited to the vehicle described in the Validation letter. Scotsure Assist must be advised immediately of a change in

vehicle and the change will be recorded without cost to you. (v) If you have a right of action against a third party you shall co-operate with Scotsure Assist to recover any costs incurred by Scotsure

Assist. If you are covered by any other insurance policy for any costs incurred by Scotsure Assist. (vi) Scotsure Assist reserves the right to charge for any costs incurred as a result of incorrect location details being provided. (vii) This policy is governed by English law. The parties to this policy agree to irrevocably submit to the jurisdiction of the courts of England and

Wales unless you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case you will be entitled to commence legal proceedings in your local courts.

(viii) To help provide a quality service, your telephone calls may be recorded for training purposes. Scotsure Assist has chosen to use the English language in all documentation and communications relating to this policy.

(ix) We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit. For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk or call 0800 678 1100 or 0207 741 4100.

(x) We have a regulatory obligation to prevent fraud. Insurers share information with each other to prevent fraudulent claims via a register of claims. A list of participants is available on request. In the event of a claim, any information you have supplied relevant to this insurance cover and on a claim form, together with other information relating to the claim, will be provided to the Register of claims. You shall claim these costs and reimburse Scotsure Assist.

14. ENQUIRIES AND COMPLAINTS STEP 1While it is always the intention to provide a first class standard of service, any enquiry or complaint you have regarding your policy should be addressed to the administrator: The Customer Services Manager, Scotsure Renewal Administration, Jubilee House, Mid Point Business Park, Thornbury BD3 7AG. Telephone: 0344 573 8113 email: [email protected]

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STEP 2If you are not satisfied with the response given you can then refer the matter to the underwriter:MICL, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG.

STEP 3You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website www.financial-ombudsman.org.uk or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: 0800 023 4567 Mobile: 0300 123 9123

15. PRIVACY AND DATA PROTECTION NOTICE

1. Data Protection Scotsure Warranty Administration (the “Data Controller”) are committed to protecting and respecting your privacy in accordance with the current

Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which the Data Controller processes your personal data. For more information please visit www.view-privacy-policy.co.uk.

2. Use Of Your Personal Data The Data Controller may use the personal data it holds about you for the purposes of providing insurance, handling claims and any other related

purposes (this may include underwriting decisions made via automated means), for offering renewal, research or statistical purposes and to provide you with information, products or services that you request from the Data Controller or which the Data Controller feels may interest you. The Data Controller will also use your data to safeguard against fraud and money laundering and to meet the Data Controller’s general legal or regulatory obligations.

3. Disclosure Of Your Personal Data The Data Controller may disclose your personal data to third parties involved in providing it with products or services, or to service providers who

perform services on the Data Controller’s behalf. These include group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, fraud detection agencies, loss adjusters, external law firms, external auditors and accountants, regulatory authorities, and as may be required by law.

4. International Transfers of Data The Data Controller may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where the Data Controller

transfers your personal data outside of the EEA, the Data Controller will ensure that it is treated securely and in accordance with the Legislation.

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5. Your Rights You have the right to ask the Data Controller not to process your data for marketing purposes, to see a copy of the personal information held about

you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to ask for a copy of your data to be provided to any controller and to lodge a complaint with the local data protection authority.

6. Retention Your data will not be retained for longer than is necessary, and will be managed in accordance with the Data Controller’s data retention policy.

In most cases the retention period will be for a period of seven (7) years following the expiry of the contract, or the Data Controller’s business relationship with you, unless the data must be retained for a longer period due to business, legal or regulatory requirements.

If you have any questions concerning the Data Controller’s use of your personal data, please contact The Data Protection Officer, Scotsure Warranty Administration, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG, England.

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This policy summary does not contain the full terms and conditions of your Scotsure Renewal Warranty. The full terms and conditions can be found in the policy document which is on pages [3 to 13] of this booklet.

Who is the Insurer?The insurer of this policy is Motors Insurance Company Limited, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG, registered number 2678367. MICL is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services register number: 202875.

What is Scotsure Renewal Warranty?Scotsure Renewal Warranty offers mechanical and electrical breakdown cover.There are three levels of mechanical and electrical breakdown cover to choose from. All provide cover for a varying range of mechanical and electrical components against any sudden and unforeseen failure requiring a repair or replacement to resume normal function.

Who can be covered?To be eligible for cover under this policy you must be an individual residing in, or a body corporate registered in, the United Kingdom, the Channel Islands or the Isle of Man.For a vehicle to be covered it must be:– a United Kingdom registered used car, car derived van or light commercial vehicle; and – the vehicle age and mileage must not exceed 10 years or 100,000 miles at the time of purchase of Scotsure Renewal Warranty.

What are the benefits and features of Scotsure Renewal Warranty?The components that are covered under this policy depend on the level of cover that is specified in your validation certificate. The following table is a summary of the cover provided. For full details of ‘What is covered’ please refer to section “Benefits” of your policy booklet.

Scotsure Renewal Warranty Policy Summary

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DRIVELINE PLUS

WHAT IS COVERED Mechanical or electrical breakdown to: Casings - engine, gearbox Differential - CV joints, drive shafts Electrics - alternator, starter motor Engine - Camshaft, crankshaft and bearings, cylinder head, timing beltsGearbox - automatic / manual gearbox componentsBraking System - calipers, master cylinder Central Locking - locking motors Clutch - clutch plate, master and slave cylindersCatalytic Convertor Cooling System - radiator, water pump Electrics - engine ECU, relays, heating fan motorFuel system - fuel pump, idle control valve Oil Seals and Gaskets - requiring removal of major component Steering - PAS pump, rack and pinion Turbo Unit - turbo unit Wheel Bearings - wheel bearings onlyUp to £40 a day towards the cost of a replacement vehicle whilst your vehicle is being repaired.If your vehicle needs to be towed, you can claim up to £60 per claim. Cover for up to 60 days per year for travel within countries who are members of the European Union or the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland).

PREMIER PLUS

AS DRIVELINE PLUS but also includes but also includes mechanical or electrical breakdown to: ABS - ABS wheel sensors, ABS pumpAir Conditioning - pump, compressor, condenser Steering - Reservoir and pipes,Fuel System – Fuel injectors

EXECUTIVE PLUS

AS PREMIER PLUS but also includes mechanical and electrical breakdown to:All electrical components unless specifically stated as not being covered.

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EXECUTIVE PLUS

PREMIER PLUS

DRIVELINE PLUS

WHAT IS NOT COVERED Mechanical or electrical breakdown to any component not specifically stated as being covered or due to any fault that is noted or reported during routine servicing, vehicle health checks, or MOT advisories.

Mechanical or electrical breadown to:Body panels, paintwork, glassBrake components due to wear and tear or seizureFuel linesAirbags, batteries, bulbs, tyresGeneral wear and tear

What am I NOT covered for under Scotsure Renewal Warranty?The following table is a summary of what is not covered. For full details of “What is not covered” please refer to section “General Exclusions” of your policy booklet.

There are general exclusions and policy conditions that may also affect your ability to make a claim. These can be found on pages [8, 9 and 10] of your policy booklet.

How long does my Scotsure Renewal Warranty run for?12 months. There is no limit to the number of miles you can travel throughout the period of cover.

What happens if I take out cover and then change my mind?You can cancel your policy at any time. If you cancel the policy within 30 days of the start date or receiving the policy documents, whichever is the later (the “cooling off period”), you will receive a full refund of any premium you have paid, provided you have not made a claim. No cancellation fee is applicable within the cooling-off period.If you cancel outside the initial 30 day cooling off period, any refunds will be made on a pro-rata basis (less a £30.00 cancellation fee) providing you have not made a claim. Please refer to section Cancellations and Refunds - Your right to cancel.

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Our right to cancelWe may cancel your insurance cover immediately where there is evidence of dishonest or exaggerated behaviour or where you have misrepresented or failed to disclose something at the time of application which would have caused us to decline you for cover.For full details, please refer to section “Cancellation and refunds” “Our right to cancel” of your policy booklet.

Premiums You will pay the premium and, subject to the terms and conditions of the policy, be covered for a maximum period of 36 months from the start date. You must pay the premium on or before the start date for this policy to remain valid.

Terms and ConditionsWe may vary or waive the terms and conditions of this policy. This may be to:• improve your cover; • comply with any applicable laws or regulations; • reflect any changes to taxation; or • correct any typographical or formatting errors that may occur.You will be given at least 30 days’ written notice of any alteration to the terms and conditions of cover under this policy unless the change is due to legislative, tax or regulatory requirements.If we vary or waive your terms and conditions and you do not wish to continue your cover you can cancel as set out in section “Cancellations and refunds”, “Your right to cancel” section of your policy booklet. Cancellation fee will not be applicable. For full details, please refer to section “Terms and conditions” of your policy booklet.How do I make a claim under my Scotsure Renewal Warranty?Take your vehicle to the dealer who supplied it (or any other VAT registered repairer) and they can request approval for repairs by telephoning the administrator’s Claims Department on 0344 573 8113.

IMPORTANT You must not commence with any repairs until a claim reference number is issued. We will not pay any claim until we have received a completed claim form, when requested, and related invoices. For full details, please refer to section “How to claim” of your policy booklet.

How do I make a complaint about my cover? If you have a problem with the service you receive you should contact the Administrator at: Customer Services Manager, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG. Telephone: 0344 573 8113 email: [email protected] If you are not satisfied with the response given, you may refer the matter to Motors Insurance Company Limited, Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG.

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You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website www.financial-ombudsman.org.uk or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR Telephone: 0800 023 4567 or 0300 123 9123

We abide by the Motor Industry Vehicle Warranty Products Code of Practice which can be found on The Motor Ombudsman website at www.TheMotorOmbudsman.org.

The Motor Ombudsman will offer free impartial information and if appropriate an alternative dispute resolution process in the event that you are not satisfied with the outcome of a concern.

For further information, you can visit The Motor Ombudsman website at www.TheMotorOmbudsman.org or call their Information Line on 0345 241 3008.

Would I receive compensation if Motors Insurance Company Ltd. were unable to meet its liabilities?We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit. For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk or call 0800 678 1100 or 0207 741 4100

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Scotsure Assist Policy Summary

This policy summary does not contain the full policy terms and conditions. Full terms and conditions are explained in the policy document which will be provided to you once cover is accepted. A copy of the policy document is available earlier on request.

Name of the insurerScotsure Assist is underwritten by Motors Insurance Company Limited (MICL), Jubilee House, Mid Point Business Park, Thornbury, BD3 7AG registered number 2678367. MICL is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services register number: 202875.

Type of insuranceIn the event of breakdown Scotsure Assist will cover you for costs involved with the roadside assistance or recovery of your vehicle due to mechanical or electrical failure.

Eligibility for coverTo qualify for breakdown cover, the vehicle must not be greater than 3.5 tonnes in weight or more than 5.18 metres long, 1.91 metres wide or 2.44 metres high. The vehicle should not be used as a taxi, private hire vehicle or for self-drive hire.

Significant features and benefitsScotsure Assist will insure you against the following: • Local Rescue - If your vehicle breaks down due to a mechanical or electrical failure, we will send out an appointed vehicle rescue operator to try

to resolve the problem and get you back on the road.• Local Recovery - If the repairer cannot repair the vehicle within 24 hours, then this insurance will cover the cost of transporting the vehicle, the

driver and up to four passengers, or the driver and up to seven passengers in the case of a Multi Purpose Vehicle (MPV) any destination within 20 mile radius of the scene of the breakdown.

• Rescue - If your vehicle breaks down due to a mechanical or electrical failure, we will send out an appointed vehicle rescue operator to try to resolve the problem and get you back on the road.

• Recovery - If roadside repair is not possible or your vehicle cannot be driven following a mechanical or electrical failure, it will be transported to your home or any destination within the UK.

• Alternative Onward Travel - if your vehicle cannot be repaired within 24 hours we will help find the most suitable onward travel arrangement to ensure that you reach your destination. This is subject to a limit of the driver plus four passengers or the driver plus seven passengers in the case of an MPV.

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Scotsure Assist Policy Summary

• Emergency Accommodation – In the event that satisfactory onward travel arrangements cannot be made, we will pay up to a maximum of £200 per breakdown towards one night’s emergency hotel accommodation for the driver plus four passengers or the driver plus seven passengers in the case of an MPV. Any costs for items other than accommodation are not included.

The following benefits also apply:Message service, puncture cover, home service, accident cover and caravans / trailers. For full details, please refer to section 2 of the policy document.

Significant limitations and exclusionsFull details of exclusions and limitations can be found in section 4 of your policy document.The company shall not be liable for: • the cost of parts, components, tyres or materials (other than the first hour) used to repair the vehicle; • the recovery of the vehicle and passengers or overnight accommodation or car hire charges if repairs can be carried out near the scene of the

breakdown within one hour of the vehicle rescue operator attending the breakdown;• any request for service if the vehicle is being used for motor racing, rallies, public hire, private hire, courier services or any contest or speed trial

or practice for any of these activities;• any charges where, having contacted Scotsure Assist, you affect recovery or repairs by other means; • any breakdown caused by the failure to maintain the vehicle in a roadworthy condition including the maintenance of proper levels of oil and water;• breakdown occurring when the vehicle is carrying more people or cargo than it is designed to carry.

Contract durationCover will be provided from and including the start date as stated in your validation letter.

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Scotsure Assist

Terms and Conditions We may vary or waive the terms and conditions of this policy. This may be to: • improve your cover; • comply with any applicable laws or regulations; • reflect any changes to taxation; or • correct any typographical or formatting errors that may occur.You will be given at least 30 days’ written notice of any alteration to the terms and conditions of cover under this policy unless the change is due to legislative, tax or regulatory requirements. Such changes may have the effect of increasing or reducing the cover previously provided under this policy. If you do not wish to continue your cover you can cancel as set out in section 11 Your Right to Cancel. Administration fee will not be applicable.For full details, please refer to section 10 of the policy document.

Claims notificationPlease call our 24 hour Control Centre on 01206 714364. Full details of how to claim can be found in section 7 of your policy document.

How to complainIn the event of a complaint occurring under this insurance, in the first instance please contact:Scotsure Assist, Jubilee House, Mid Point Business Park, Thornbury BD3 7AG. Telephone: 0344 573 8113 or email: [email protected] If you are still not satisfied, you should write to:The Insurance Manager MICL Jubilee House Mid Point Business Park Thornbury BD3 7AGYou also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website www.financial-ombudsman.org.uk or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR Telephone: 0800 023 4567 or 0300 123 9123

CompensationMICL is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit. For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk or call 0800 678 1100 or 0207 741 4100.

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Notes

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SCOTSUREWARRANTY

Scottish Motor Trade Association

CCP 9830 ICM 11188 05/18

scotsure warranty · in this policy, words that appear in bold have the following special meaning:...

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