uvw whats covered a5 150611

8/4/2019 UVW Whats Covered A5 150611

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Contents

2 Key Facts

3 Insurance Agreement

5 Executive Plus Policy

6 Executive Policy

6 Executive Classic Policy

8 Motorcycle Policy

12 Breakdown Cover

15 Service Record

Dear Motorist,

We congratulate you on the acquisition o your new vehicle.

We hope that your motor vehicle will be reliable and give

many miles o trouble ree motoring.

Please read this document careully to amiliarise yoursel

with the liabilities, exclusions, terms and conditions, the

servicing schedule, how to make a claim and the FSAOmbudsman scheme or this policy.

John Colinswood

Managing Director

Claims: 0844 477 5004

Sales & Admin: 0844 477 4909

Important notice: You will receive a validation letter within

21 days. I however you do not receive this please call

0844 477 4909.

Status Disclosure andTerms o Business

Dealer Name:

Address:

Postcode:

Tel Number:

1) We are an approved representative o

Warranty Management Services Ltd and

our FSA approval number is:

2) We only oer products provided by them.

3) You will not receive advice or

recommendations rom us or warranty. We may

ask some questions to narrow the selection o

products that we provide details o. You will

then need to make your own choice about how

to proceed.

4) Cancellation, you have a 14 day

cancellation period.

5) We are covered by The Financial Services

Compensation Scheme.

6) We have a complaints procedure which is

as ollows:

a) In the rst instance please contact us on

telephone number:

b) In the event that the matter remains

unresolved please write or telephone WMS on

0844 477 4909.

7) We would draw your attention to the standard

insurance clause. YOU MUST DISCLOSE ALLFACTS WHICH WOULD BE PERTINENT TO

THE ACCEPTANCE OF ANY RISK, i.e. i the

vehicle is to be used or are paying passengers.

8) The above points are only relevant to the

products provided by Warranty Management

Services Ltd, and any other issues must be

dealt with through the suppliers own complaints

procedure.

THIS DOES NOT FORM PART OF YOUR POLICY

automobileextended warranty

what’s covered

and what’s not



Denitions

Mechanical and electrical breakdown

insurance arranged by Warranty

Management Services Ltd on behal o:

AmTrust International Underwriters

Limited, 40 Westland Row, Dublin 2.

Warranty Management Services Ltd are

regulated by the FSA.

registered number 311375.

AmTrust International Underwriters Limited

are authorised and regulated by the Irish

Financial Regulator under registration

number 169384.

In this agreement, some words have

dened meanings. They are shown below:

We, Our, Us, The Insurer AmTrust International Underwriters

Limited, a member o the AmTrust

Financial Services Group, is established in

Ireland under registration number 169384

and has its registered oce at 40 Westland

Row, Dublin 2. Our contact details are:Telephone: +353 1 775 2900. Fax: + 353 1

775 2915.

Conrmation o Authorisation andRegulated Status :


Limited is an Insurance Undertaking

Authorised and Regulated by the Irish

Financial Regulator. AmTrust International

Underwriters Limited is authorised on a

Freedom o Services basis in the UK under

FSA reerence 203014.

The Administrator, WMSWarranty Management Services Limited,

Thame House, Thame Road, Haddenham,

Buckinghamshire

HP17 8HU.

Registered No. 4801804

This is a private company limited by shares

and incorporated in England.

VehicleThe vehicle described on the Proposal

Form as the insured vehicle.

You, YourThe person named on the Proposal Form

as the insured.

Mechanical BreakdownThe actual breakage o a mechanical

component or the complete ailure o an

electrical component not by wear and tear,normal deterioration or negligence. We are

not liable or parts that have reached the

end o their normal working lives because

o age or usage.

When do I know I am covered or

Mechanical Breakdown?The Proposal Form must be completed

at the date o purchase. The supplying

dealer keeps the top copy or collection

by the Administrator who should provide a

receipt. Alternatively the supplying dealer

posts the top copy by recorded delivery

within 14 days to the Administrator’saddress.

You will be insured or Mechanical

Breakdown when We have:

• accepted Your Proposal Form

The insurance is always subject to the

terms, conditions, liabilities and exclusions

o the policy.

Rescue/Recovery Administered by First Call Motor

Breakdown. Underwritten by Premier

Underwriting (UK) Ltd.

2

Mechanical Breakdown InsurancePolicy SummarySome important acts about the Mechanical Breakdown insuranceare summarised below. This summary does not describe all theterms and conditions o the policy, so please take time to readthe policy document to make sure you understand the cover itprovides.Please reer to the policy schedule, which is given to you whenthe policy is issued, which will detail the plan type, claim limit,period o cover and any additional options you have selected.

InsurerThe insurance is provided by AmTrust International UnderwritersLimited, 40 Westland Row, Dublin 2. Who are authorised andregulated by the Irish Financial Regulator under registrationnumber 169384 and is administered by Warranty Management

Services.

Policy DurationYour cover is valid or 3, 6, 12, 24 or 36 months, depending onwhich o these options your vehicle is eligible or and which oneyou choose.

Claim Limit OptionsThe ollowing claim options are available under your chosen policy -Executive Plus: £1,000 and Current Market ValueExecutive: £1,000 and Current Market ValueSovereign Plus: £1,000 and Current Market ValueSovereign: £1,000 and Current Market ValueHGV: From £1,000 to £15,000 dependent on weightThe claims liability will limit the amount payable on each and everyclaim aggregate to the current market value o the vehicle. About Your Component Cover• Executive Plus - features and benets included automatically.Cover includes: During the specied period all o the originalmanuacturer’s mechanical and electrical components o thevehicle are insured against breakdown except those listed underexclusions. I the wear and tear item is selected, the covered

items will also be insured against wear and tear. Full terms andconditions as set out in the policy document.• Executive Cover - features and benets included automatically.Cover includes items under the ollowing sections: Engine, TimingBelts, Manual gearbox, Automatic gearbox, Turbo, Drive System( ront / rear), Brakes, Steering, Cooling System, Propshat, FuelSystem - petrol/diesel, Front/rear suspension, Wheel bearings,Electrics, Casings.• Executive Classic – features and benets included automatically.Cover includes items under the ollowing sections: Engine, TimingBelts, Manual Gearbox, Automatic Gearbox, Turbo, Front/ Rear Drive System, Brakes, Steering, Cooling System, Propshat,Petrol/Diesel Fuel System, Front/Rear Suspension, WheelBearings, Electrics, Casings.• Sovereign Plus Cover - features and benets includedautomatically.Cover includes: During the specied period, all o the originalmanuacturer’s mechanical and electrical components vehicleare insured against breakdown plus the saddle, panniers itted as original equipment, manuacturers’ accessories itted as original equipment due to aulty manuacture; battery

replacement due to aulty manuacture; the breakdown o theexternal structural members o the exhaust system excluding thatcaused by impact and/or corrosion; and corrosion (including rust)o the rame, attached body parts, chrome and paintwork.• Sovereign Cover – features and benets included automatically.Cover includes: During the specied period, all o the originalmanuacturer’s mechanical and electrical components o thevehicle are insured against breakdown except those listed underexclusions.

Additional CoverIn addition to this cover there is limited cover or recovery andhotel accommodation whilst in the EU; please see p age 8 othe policy.

Signicant Exclusions• Items not listed as covered are specically excluded exceptplan 5 (excluded parts list applies).• The policy does not cover wear and tear, inherent faults, faultyworkmanship, cracked blocks, cracked cylinder heads, burnt

valves, oil and fuid leaks, accidental damage to radiator.• Consequential loss ( i.e. damage caused by items not coveredunder the policy).• Failure to observe the following will invalidate your claim:a) Frost Protection b) Correct claims procedure c) Servicing.• This policy does not cover damage caused by negligence,i.e. insucient oil or water, overheating, or ailure to ensure thatminimum damage is incurred by taking preventative measures.• Any vehicle modied from the manufacturers’ standardspecication including a change in the uel s ystem to use analternative uel.• Vehicles used for hire and reward or used for racing orcompetition.

• Timing belts unless manufacturer’s replacementrecommendations have been complied with.

Service RequirementsThe vehicle must be serviced by a V.A.T. registered garage inaccordance with the manuacturer’s recommended serviceschedule.

Your Right o CancellationYou have a statutory right to cancel Your Policy within 14 daysstarting on the later o the date you enter into the contract, or,i dierent the date You receive the Policy documentation. Tocancel please write to the Administrator or call 0844 477 4909.

On receipt o Your notice o cancellation, The Administrator willreund any premiums You have already paid, unless You havealready made a claim under Your Policy. I ater this period haselapsed and You wish to terminate cover You will not be entitledto any reund o premium.

Making a claimI you have a claim, please ring the administrators o the policy assoon as possible to tell them about it.

Their telephone number is: 0844 477 5004. Full details o how tomake a claim are included in the policy.

What to do i you are not satisedWe do everything we can to make sure that our customers getthe high standard o service they expect. I you eel you have anycause or complaint regarding the inormation and advice aboutyour policy, you should contact the administrators o the policy.

You can contact them by writing to:Warranty Management Services Limited,Thame House, ThameRoad, Haddenham, Buckinghamshire HP17 8HUSales and Admin: 0844 477 4909 Claims: 0844 477 5004.

However, i the matter remains unresolved thereater youcan then write to Claims Manager, AmTrust InternationalUnderwriters Limited, 40 Westland Row, Dublin 2. Please ensureyou quote your policy number and where the insurance waspurchased.

Finally, i the matter still remains unresolved, once all the abovehave been contacted, you can then approach the FinancialOmbudsman Service at South Quay Plaza, 183 Marsh Wall,London, E14 9SR.

Customer helpline: 0845 080 1800.Email: [email protected].

CompensationYou may be entitled to compensation rom either the FinancialServices Compensation Scheme (FSCS) in the UK or romthe Insurance Compensation Fund in Ireland i AIUL cannotmeet its liabilities under this policy. The level o compensationprovided will depend on the circumstances o the claim. Furtherinormation is available rom the FSCS on +44 207 892 7300or rom the Irish Financial Regulator on +353 1410 4000

THIS DOES NOT FORM PART OF YOUR POLICY



6.Your Right o CancellationYou have a statutory right to cancel Your

Policy within 14 days starting on the later

o the date you enter into the contract, or,

i dierent the date You receive the Policy

documentation. To cancel please write to

the Administrator or call 0844 477 4909.

On receipt o Your notice o cancellation,

The Dealer will reund any premiums You

have already paid, unless You have already

made a claim under Your Policy. I aterthis period has elapsed and You wish to

terminate cover You will not be entitled to

any reund o premium.

7. I you make a claim and any other

insurance would also entitle You to claim,

the Policy will only contribute its rateable

proportion o the loss. The insurer shall

not be bound to accept renewal o any

insurance and may at any time cancel any

insurance document by sending 14 days

notice to the insured at his last known

address. Provided the premium has been

paid in ull the insured shall be entitled to aproportionate rebate o premium in respect

o the unexpired period showing on the

insurance.

8.We have the right to:a) examine the vehicle

b) obtain an expert assessment at Our

expense, the result o which will be binding

on all parties;

c) nominate the repairer

I, ollowing specic arrangements or

inspection, and through no ault o Ours,

the engineer cannot inspect - or example,because the Vehicle is not available or

is not stripped etc - We will deduct ees

or the second inspection visit rom the

authorised amount o the claim.

9. I we accept a claim We have theright:

a) to require a contribution rom You i

the repaired Vehicle will ultimately be in a

better condition than beore the claim; and

b) to take wear and tear, according to

age and mileage, into consideration when

settling the claim.

10. This insurance is limited to a

Mechanical Breakdown o each insured

part on only one occasion during the period

o insurance.

11. I more than one insured part has ailed

at the time you contact the Administrator, it

will be dealt with as one claim.

12. We have the right to speciy the useo guaranteed reconditioned or exchange

units. Our liability will be limited to the cost

o these parts.

13. I You are VAT registered, the VAT

element will not orm part o any claim

against Us.

14. I We give provisional authorisation

or repairs,We will assess repair times in

line with the Autodata repair times manual

current at the time.

15. We are not liable or any claims directly

or indirectly caused by:a) non-compliance with the conditions

relating to the maintenance o the Vehicle;

b) any act, omission or negligence by You

(or any user o the Vehicle), which adds to

the loss or damage;

c) re, collision, rost, snow, ice, fooding,

reezing or corrosion;

d) parts being subject to recall by the

manuacturer or parts which ail as a result

o inherent design aults;

e) the ailure o a part which is under any

manuacturer’s or supplier’s warranty;

) wear and tear, gradual breakdown or

deterioration o the insured parts;

g) consequential damage i it is reasonable

or us to conclude that the damage has

been caused by ailure to take preventative

steps (or example, the Vehicle being

driven with a deective part) and any loss

arising rom;

3

Insurance Agreement

JurisdictionWe propose to use English law as the

law which applies to this policy unless

you ask or another law and we agree

to this in writing within 30 days o the

commencement o this policy

General ConditionsYou must give us all the inormation and

help that we may reasonably require. This

also applies where We wish to enorce any

rights against any manuacturer, repairer

or supplier.

You must comply with all the terms

and conditions o this policy. Any liability

We may have to make any payment

depends on You keeping to Your

obligations under the policy and on the

truth o Your statements and answers on

the Proposal Form.

1. Maintenance and Servicing

(a) Care o the Vehicle - You must take allreasonable steps to saeguard Your Vehicle

rom loss or damage. You must keep it in

an ecient and roadworthy condition and

regularly service it in accordance with the

manuacturer’s recommendations. You

must allow Us ree access to examine the

Vehicle at all times.

(b) We will not pay or any claims i

the Vehicle is ound to have inherent

aults when You took out the insurance.

Thereore, all Vehicles must have a ull pre-

delivery inspection beore the insurance

starts.(c) Ater each service, please ensure that

the relevant service details are completed

in this book by Your servicing garage and

obtain a receipt or the service. You must

keep the receipt or reerence in the event

o a claim.

2. Reporting a Mechanical

BreakdownImmediately a ault becomes evident to the

driver, you should stop and seek expert

advice on the cause. For a claim to be

considered, the mechanical breakdown

must have occurred and have been

reported to us within the policy period.

3. Repairs Procedure You must obtain authorisation rom the

Administrator beore having any repairs

carried out.

Repairs may be made through a repairer

nominated by the Administrator. I the

insured part is beyond economic repair, the

repairer may replace it with a similar part.

You may have to provide the Administrator

with proo o servicing beore a claim is

settled under this Policy. No claim will be

paid i the repairs are carried out beore

obtaining prior authority rom us.

4. Fraud

I You or anyone on Your behal makes aclaim that is in any way raudulent, Your

insurance under this policy will end. We

reserve the right to prosecute.

5. Termination on saleThis policy ends i You sell or dispose

o the Vehicle unless the new owner

makes a valid transer o the insurance..

The Policy can only be transerred to a

private individual who rst agrees to be

bound by the liabilities, exclusions, terms

and conditions o the Policy by sending

Us a completed “Form o transer” (as

included in this booklet), together with the

transer ee. I, in the event o Your death,

ownership o the Vehicle passes to an

immediate relative, the Policy automatically

continues or the benet o that person.



4

You can check this on the FSA’s Register

by visiting the FSA’s website www.sa.gov.

uk/register or by contacting the FSA on

0845 606 1234.

20. The Law and language

Applicable to the PolicyWe propose to use English law as the

law which applies to this policy unless

you ask or another law and we agree

to this in writing within 30 days o the

commencement o this policy.

The language used in this policy and any

communications relating to it will be in

English.

21. Our Head Oce AmTrust International Underwriters Limited,

a member o the AmTrust Financial

Services Group, is established in Ireland

under registration number 169384 and

has its registered oce at 40 Westland

Row, Dublin 2. Our contact details are:

Telephone: +353 1 775 2900.

Fax: + 353 1 775 2915.

– excluded parts;

– incorrectly tted parts;

– insufcient servicing;

– faults present at purchase;

h) losses normally covered under a road

risks insurance policy or loss resulting rom

an accident to the Vehicle;

i) the Vehicle having been altered or

modied rom the manuacturer’s original

specication, or having been raced, rallied,used in competition, or or hire or reward,

used or courier work, driving tuition or

custom built vehicles;

j) any parts which have not actually ailed

and which are replaced during routine

servicing or maintenance;

k) the Vehicle being benecially owned

by a company or person involved in the

business o vehicle repair, servicing or

car sales or by an employee o such a

company or person;

l) exhaust emission MOT ailures, these are

not Mechanical Breakdowns and are notcovered;

m) any Mechanical Breakdown caused

by lack o normal and proper use or care,

including the incorrect use o uel.

16. Data Protection Act 1988Some or all o the inormation which

You supply to Us or the Administrator in

connection with this insurance will be held

on Our computer records to help with the

administration o the Plan. It may be used

or underwritings or claims purposes by Us

or the Administrator. The details You supplywill be sorted and used by Us to administer

Your Insurance cover. Your details will not

be kept or longer than necessary. You are

entitled to a copy o all the inormation we

hold about You.

17. Complaints ProcedureWe are committed to providing the highest

quality o customer service at all times.

I you are unhappy with the service you have

received or have any complaints about your

insurance contract, you should in the rst

instance contact Warranty Management

Services Limited who arranged the policy

or you:

• Warranty Management Services Limited’s

contact details are as ollows:

Warranty Management Services

Limited,Thame House, Thame Road,

Haddenham, Buckinghamshire HP17 8HU

Sales and Admin: 0844 477 4909

Claims: 0844 477 5004.• If your complaint is not resolved to your

satisaction, you may write to:

Claims Manager, AmTrust International

Underwriters Limited, PO Box 10534,

Dublin 2.

• If your complaint is not resolved to your

satisaction and you remain dissatised

with our nal response, you may contact:

The Financial Ombudsman Services,

South Quay Plaza, 183 Marsh Wall,

London E14 9SR.

www.nancial-ombudsman.org.uk

Following the above procedures does not

in any way aect your right to take legal

action

18. Compensation SchemeYou may be entitled to compensation rom

either the Financial Services Compensation

Scheme (FSCS) in the UK or rom the

Insurance Compensation Fund in Ireland i

AIUL cannot meet its liabilities under this

policy. The level o compensation provided

will depend on the circumstances o the

claim. Further inormation is available rom

the FSCS on +44 207 892 7300or rom the Irish Financial Regulator on

+353 1410 4000

19. Directive Required Inormation AmTrust International Underwriters

Limited is an Insurance Undertaking

Authorised and Regulated by the Irish


Underwriters Limited is authorised on a

Freedom o Services basis in the UK under

FSA reerence 203014.



Executive Plus Policy

Executive Plus

For cars and light commercials

up to 3,500kg. This Policy applies

to vehicles which are up to 5

years old and have covered less

than 60,000 miles.

Parts CoveredDuring the specied period all o the

original manuacturer’s mechanical and

electrical components o the vehicle are

insured against breakdown except those

listed under exclusions.

Full terms and conditions as set out in

the policy document. I the wear and tear

option is selected, covered parts will beinsured or wear and tear.

CasingsIn the event o a covered item causing

damage to a casing then the casing will

orm part o the maximum claim liability.

Timing BeltsProviding there is proo that the

manuacturer’s replacement

recommendations have been complied with

and they are ree rom oil contamination.

ExclusionsChassis, Bodywork, Trim, Glass, Road

Wheel, batteries, exhaust systems, uel

tanks, brake shoes and pads, pressure

plate, centre plate, release bearings,

heater elements, wiring looms, injectors,

oil seals, satellite navigation, seized brake

callipers, heater elements, centralised

locking pumps, car telephone, air bags,

keys, air conditioning recharging, In

car entertainment, catalytic convertor,hardware e.g. bolts and xings, pulleys/

dampers, ALL serviceable and ancillary

items.

5

Additional Benets

European CoverCover is extended to insured vehicles

used on the continent o Europe or a

period not exceeding 60 days. In the

event o a mechanical breakdown on

the Continent you must comply with

the claims procedure in the normal

way. In the event o a valid claim,

reimbursement will be based on thecurrency exchange rates prevailing

on the date that the claim is agreed.

Overnight Accommodation

& Rail FareHotel expenses or return rail are will

be reimbursed to a maximum o £60

including VAT within the maximum

claims liability, providing that the

vehicle is rendered immobile due

to a valid claim under the terms o

this policy. Bona de receipts will

be required in the event o a claim.Drinks and meals are specically

excluded.

RenewalSubject to the insurers approval you

will be oered renewal o this policy

shortly beore it is due to expire.

TranserI you sell the vehicle to a private

individual, unconnected with the

Motor Trade, the new owner may

also transer this policy to them-selves (subject to acceptance) .

The new owner should complete

the inormation below and send

the booklet together with our ee

o £50.00 to WMS. You have a

maximum o 7 days to apply

or transer.

Transer o Ownership Form

Name o new owner:

Address:

Telephone Number:

Present Mileage:

Date:

Signature

We are unable to transer this policy to

another vehicle.

We reserve the right to decline any renewal or

transer without explanation.



Executive Classic Policy

For cars and light commercials

up to 3,500kg. This Policy applies

to vehicles which are up to 15

years old and have covered less

than 150,000 miles.

EngineRocker assembly, inlet and exhaust valves,

valve guides and springs (excludingburnt valves and decokes), cylinder

head (excluding cracks and overheating

damage), stretch head bolts, push rods,

camshat and cam ollowers, timing gears,

chains and tensioner, oil pump, pistons

and rings, cylinder bores, gudgeon pins,

con rods and bearings, crankshat and

bearings, fywheel and ring gear, distributor

drive.



recommendations have been complied withand they are ree rom oil contamination.

Manual gearboxGears, shats, synchromesh hubs,

selectors, bushes, bearings, speedometer

drive, overdrive units (when tted),

solenoid, transer box

Automatic gearboxGears, oil pump, shats, bushes, clutch,

brake bands, bearings, governors, servos,

torque convertor, drive plate, valve block,

governor, modulator valve, speedometer

drive.TurboThe complete unit including wastegate.

(I the turbo is tted as part o the

manuacturer’s original specications)

Drive System (ront / rear)Crown wheel and pinion, hal shats,

bearings, planet gears, bevel gears, rear

external drive shats, constant velocity

joints, 4 wheel drive units.

BrakesMaster Cylinder, servo, brake pumps, brake

limiter valve, ABS computer/pumps.

SteeringRack and pinion, steering box, idler box,

power steering, rack/ ram and pump,

pressure pipes, reservoir, steering column.

Cooling SystemWater Pump, head gasket, thermostat,

heater matrix, electric an motor, viscousan coupling, radiator, air conditioning

pump.

PropshatPropshat, universal joints and bearings.

Fuel System - petrol/dieselMechanical/electrical uel pump, air fow

meter, E.G.R. valve, idle control valve

Front/rear suspensionCoil springs, upper and lower wishbones,

ball joints, swivel joints, McPherson struts,

suspension arms, antiroll bar, sel levelling

units and reservoir pump and regulator

valves, displacer, hydro-pneumatic system

(excluding bushes).

Wheel bearingsFront and rear wheel bearings.

ClutchMaster cylinder, slave cylinder and clutch

cable.

ElectricsStarter/solenoid, alternator, coil, distributor,

E.C.U. (engine only), front and rear window/

headlamp wiper motors, heater fan motor,

indicator relay, electric window motor, sun

roof motor, centralised locking solenoids,

horn, cruise control actuator and control

unit only.



form part of the maximum claim liability.

Excluded from cover all parts not listed

above.

Excluded rom cover all parts notlisted above.

6

Executive Policy

This Policy applies to vehicles

which are up to 10 years old and

have covered less than 100,000

miles.

EngineRocker assembly, inlet and exhaust valves,

valve guides and springs (excluding

burnt valves and decokes), cylinderhead (excluding cracks and overheating

damage), stretch head bolts, push rods,

camshat and cam ollowers, timing gears,

chains and tensioner, oil pump, pistons

and rings, cylinder bores, gudgeon pins,

con rods and bearings, crankshat and

bearings, fywheel and ring gear, distributor

drive.



recommendations have been complied with

and they are ree rom oil contamination.

Manual gearboxGears, shats, synchromesh hubs,

selectors, bushes, bearings, speedometer

drive, overdrive units (when tted),

solenoid, transer box

Automatic gearbox

Gears, oil pump, shats, bushes, clutch,

brake bands, bearings, governors, servos,

torque convertor, drive plate, valve block,

governor, modulator valve, speedometer

drive.

TurboThe complete unit including wastegate.

(I the turbo is tted as part o the

manuacturer’s original specications)

Drive System (ront / rear)Crown wheel and pinion, hal shats,

bearings, planet gears, bevel gears, rear

external drive shats, constant velocity

joints, 4 wheel drive units.

Brakes

Master Cylinder, servo, brake pumps, brake

limiter valve, ABS computer/pumps.

SteeringRack and pinion, steering box, idler box,

power steering, rack/ ram and pump,

pressure pipes, reservoir, steering column.

Cooling SystemWater Pump, head gasket, thermostat,

heater matrix, electric an motor, viscous

an coupling, radiator, air conditioning

pump.

PropshatPropshat, universal joints and bearings.

Fuel System - petrol/dieselMechanical/electrical uel pump, air fow

meter, E.G.R. valve, idle control valve

Front/rear suspensionCoil springs, upper and lower wishbones,

ball joints, swivel joints, McPherson struts,

suspension arms, antiroll bar, sel levelling

units and reservoir pump and regulator

valves, displacer, hydro-pneumatic system

(excluding bushes).

Wheel bearingsFront and rear wheel bearings.

ClutchMaster cylinder, slave cylinder and clutch

cable.

ElectricsStarter/solenoid, alternator, coil, distributor,

E.C.U. (engine only), ront and rear window/

headlamp wiper motors, heater an motor,

indicator relay, electric window motor, sun

roo motor, centralised locking solenoids,

horn, cruise control actuator and controlunit only.



orm part o the maximum claim liability.

Excluded rom cover all parts not

listed above.



Terms and Conditions

1. No part o this policy may be altered

without the written consent o the

administrator.

2. WMS reserve the right to appoint the

repairer o the vehicle, the supplier o

the parts, and where available service

replacement parts will be used.

3. Where the renewal o any parts or

assemblies brings about improvement or

betterment o the vehicle a contribution

may be required rom the policy holder.

This will take account o the age and

mileage o the vehicle and the cost o

restoring the vehicle to its pre-breakdown

condition.

4. This policy will be rendered invalid i you

ail to maintain your vehicle in compliance

with the manuacturers service schedule

including the changing o timing belts. This

must be carried out by a V.A.T. registered

garage o your choice. All invoices must

be retained as they will be required in the

event o a claim.

IMPORTANT NOTE: Ater servicing becomes due, you have

a maximum o 21 days or 500 miles

(whichever is the sooner), to have the

service completed.

FAILURE TO DO SO WILLINVALIDATE YOUR POLICY

How to Make a Claim

1. I your vehicle suers a mechanical

breakdown, please check your policy

careully to establish that the ault is

covered.

2. Telephone our claims department on

0844 477 5004 who may decide on the

repairing garage, and give you all the

inormation necessary to proceed with

your claim.

3. I the cause o your breakdown is not

obvious, it may be necessary to dismantle

the vehicle to some extent. This will be

done only on your authority and the cost o

this will be your responsibility at this stage.

4. I WMS nd the claim to be within the

scope o your policy an authorisation

number will be issued once the costs have

been agreed. All repair times will be based

on Autodata.

5. To establish liability it may be necessaryto instruct an independent assessor to

inspect and report his ndings. The result

o which cannot be contested except by

another independent assessor.

6. Claims must be registered within 7 days

o their occurrence.

7. Once the claim has been authorised,

you may proceed with the repairs. On

completion, send in the repairers invoice

and any service invoices requested.

8. In the event o a alse or raudulent claim

being submitted, the policy will be rendered

invalid. In all cases, we reserve the right toprosecute.

9. Any work carried out without prior

authorisation will not be reimbursed.

No claims are valid without an authority

number.

10. Once a claim number has been

issued you have 3 months in which to

submit the invoice or payment. Ater this

period o time the claim will lapse and no

reimbursement is possible.

11. No claim will be considered unless

mechanical breakdown has occurred andhas been reported to us during the policy

period. Please ensure that the authorisation

number is marked on the invoice, and state

clearly who is to be paid.

Liabilities & Exclusions

LiabilitiesThe Insurer will be liable or the cost o

parts, labour and value added tax (where

this tax is not reclaimed), to the limits as

stated on the proposal orm, (subject to

any lower limit as shown in each individual

plan) providing that all requirements have

been met, and the ailure alls within the

scope o this policy.

This policy provides cover or Mechanical

Breakdown which is dened as:

1. The actual breakage o a mechanical

part covered

2. The complete ailure o an electrical part

covered.

3. Commercial vehicles will be restricted

to 1500 miles per month over the period

covered by the policy.

Exclusions1. The ollowing are not covered by

this policy:

a) Any vehicle modied rom the

manuacturers’ standard specication

including a change in the uel system to

use an alternative uel.

b) Vehicles used or hire and reward

c) Vehicles used or racing or competition.

d) Commercial vehicles o 3,500kgs

and above.

2. This policy does not cover death, bodily

injury, accidental damage, or any other

damage howsoever caused.

3. This policy does not cover wear and

tear, inherent aults, aulty workmanship,

cracked blocks, cracked cylinder heads,

burnt valves, oil and fuid leaks and

accidental damage to radiator.

4. This policy does not cover consequential

loss howsoever caused.

5. Failure to observe the ollowing will

invalidate your claim:

a) Frost protection

b) Correct claims procedure

c) Servicing.

6. This policy does not cover damage

caused by negligence, i.e. insucient oil

or water, overheating, or ailure to ensure

that minimum damage is incurred by taking

preventative measures.

7. Mechanical Breakdown or damage

arising rom the use o a grade o uel not

recommended by the manuacturers o the

Insured Vehicle.

7



12

Motorcycle PolicySovereign Plus

This policy applies to

motorcycles which are up to 5

years old.

During the specied period, the breakage

o all covered mechanical items and

complete ailure o all covered electrical

items will be protected against ailure under

this under this policy PLUS the ollowingitems:

1. The saddle, panniers i tted as original

equipment and manuacturers accessories

i tted as original equipment due to aulty

manuacture.

2. Replacement o the battery due to aulty

manuacture

3. The breakdown o the external structural

members o the exhaust system excluding

that caused by impact and or/

corrosion.

4. Corrosion (including rust) o therame, attached body parts, chrome and

paintwork.

Denition

Corrosion (including rust) means corrosion

which starts on the inner surace o the

aected part and works through to the

outside o the said part or parts.

Sovereign

This policy applies to

motorcycles which are up to 10

years old.

During the specied period, the breakage

o all covered mechanical items and

complete ailure o all covered electrical

items will be protected against ailure under

this policy.

Exclusions:

• Bodywork, paint, trim and glass of any

description

• Saddles and panniers

• Normal wear and tear or service items

that are subject to routine maintenance or

periodic replacement or repair, including

(but not limited to) spark plugs, H.T leads,

clutch acings, brake discs, drums and

riction materials, chains, belts, sprockets,

cables, hoses, light units and bulbs,

batteries, tyres, exhaust systems.• Stereo units, communications systems

and connected equipment.

• Parts/accessories not approved by

the manuacturer or additional to the

specication ater the time o original sale.

Motorcycle Policy

TERMS AND CONDITIONS

Insurance Agreement Denitions

Mechanical and electrical breakdown

insurance is arranged by Warranty

Management Services Ltd on behal o

AmTrust International Underwriters Limited,

PO Box 10534, Dublin

2. Warranty Management Services Ltd are

authorised and regulated by the Financial

Services Authority. This can be checkedon the FSA’s register by visiting the FSA’s

website at www.sa.gov.uk/register or

by contacting them on 0845 606 1234.

AmTrust International Underwriters Limited

are authorised and regulated by the Irish

Financial Services Regulatory Authority

and this can be checked by visiting www.

nancialregulator.ie. In this agreement,

some words have dened meanings. These

are shown below:

We, Our, Us, The Insurer

AmTrust International Underwriters Limited,

PO Box 10534, Dublin 2.

The Administrator, WMS

Warranty Management Services Limited,

Warranty Suite, Thame House, Thame

Road, Haddenham, Buckinghamshire

HP17 8HU Registered No. 4801804 This is

a private company limited by shares and

incorporated in England.

Recovery Breakdown

WMS Recovery is not insured by AmTrust

International Underwriters Limited, please

reer to the applicable section or ull

details. Breakdown is administered by FirstCall Motor Breakdown and is underwritten

by Premier Underwriting (UK) Ltd. Recovery

is subject to an additional premium.

Used Vehicle Warranty

Used Vehicle Warranty is a trade name o

Warranty Management Services Limited.

Motorcycle

The Motorcycle described on the Policy

Schedule as the insured Motorcycle.

You, Your

The person named on the Policy Schedule

as the insured

Mechanical Breakdown

The actual breakage o a mechanical

component or the complete ailure o an

electrical component not by wear and tear,

normal deterioration or negligence. We are

not liable or parts that have reached the

end o their normal working lives due to

age or usage.

When do I know I am covered orMechanical Breakdown?

When you have paid your premium and

downloaded your Policy Schedule (the

policy documents will be emailed to you

upon receipt o payment). The insurance

is always subject to the terms, conditions,

liabilities and exclusions o the policy.

I you should have any urther queries,

please contact the Administrator at

Warranty Management Services Ltd,

Thame House, Thame Road, Haddenham,Buckinghamshire, HP17 8HU

or by calling 0844 477 4909.

Please read this policy ully in conjunction

with your policy schedule to conrm the

details o any insurances you have taken

out. I you have any questions, please

contact the Administrator.

Jurisdiction

This certicate shall be governed by and

construed in accordance with the law o

England and Wales unless the certicate

holders habitual residence (in the case

o an individual) or central administrationand/or place or establishment is located in

Scotland in which case the law o Scotland

will apply. In the event o the place o

establishment being situated in The

Channel Isles the relevant law governing

The Channel Isles shall apply.

General Conditions

You must give us all the inormation and

help that we may reasonably require. This

8



also applies where We wish to enorce any

rights against any manuacturer, repairer

or supplier. You must comply with all

the terms and conditions o this policy.

Any liability We may have to make any

payment depends on You keeping to Your

obligations under the policy and on the

truth o Your statements and answers on

the Policy Schedule.

1. Maintenance and servicing

(a) Care o the Motorcycle - You musttake all reasonable steps to saeguard

Your Motorcycle rom loss or damage.

You must keep it in an ecient and

roadworthy condition and regularly service

it in accordance with the manuacturer’s

recommendations. You must allow Us ree

access to examine the Motorcycle at all

times.

(b) We will not pay any claim i the

Motorcycle is ound to have inherent aults

when you took out the insurance.

(c) Ater each service, please ensure that

you obtain a receipt or the service. Youmust keep the receipt or reerence in the

event o a claim.

2. Reporting a Mechanical Breakdown

Immediately a ault becomes evident to the

driver, you should stop and seek expert

advice on the cause. For a claim to be

considered, the mechanical breakdown

must have occurred and have been

reported to us within the policy period.

3. Repairs Procedure

You must obtain authorisation rom the

Administrator beore having any repairscarried out. Repairs may be made through

a repairer nominated by the Administrator.

I the insured part is beyond economic

repair, the repairer may replace it with a

similar part. You may have to provide the

Administrator with proo o servicing beore

a claim is settled under this policy. No

claim will be paid i the repairs are carried

out beore obtaining prior authority rom us.

4. Fraud

I You or anyone on Your behal makes a

claim that is in any way raudulent, Your

insurance under this policy will end.

5. Termination on sale

This policy ends i You sell or dispose o

the Motorcycle unless You make a valid

transer o the insurance. The Policy can

only

be transerred to a private individual who

rst agrees to be bound by the liabilities,

exclusions, terms and conditions o

the Policy by sending Us a completed

“Form o transer” (as included in this

policy), together with the transer ee. I,

in the event o Your death, ownership o

the Motorcycle passes to an immediate

relative, the Policy automatically continues

or the benet o that person.

6. Your Right o Cancellation

You have a statutory right to cancel Your

Policy within 14 days starting on the later

o the date you enter into the contract, or,i dierent the date You receive the Policy

documentation.

To cancel please write to the Administrator

or call 0844 477 4909. On receipt o Your

notice o cancellation, We will reund any

premiums You have already paid, unless

You have already made a claim under

Your Policy. I ater this period has elapsed

and You wish to terminate cover You will

not be entitled to any reund o premium.

The insurer may at any time cancel any


notice to the insured at his last address.

Provided the premium has been paid

in ull, the insured shall be entitled to a

proportionate rebate o premium in respect


insurance.

7. I you make a claim and any other

insurance would also entitle You to claim,

the Policy will only contribute its rateable

proportion o the loss. The insurer shall

not be bound to accept renewal o any

insurance and may at any time cancel any


notice to the insured at his last known

address. Provided the premium has been

paid in ull the insured shall be entitled to a

proportionate rebate o premium in respect


insurance.

8. We have the right to:

a) examine the Motorcycle

b) obtain an expert assessment at Ourexpense, the result o which will be binding

on all parties;

c) nominate the repairer. I, ollowing

specic arrangements or inspection, and

through no ault o Ours, the engineer

cannot inspect

- or example, because the Motorcycle

is not available or is not stripped etc

- We will deduct ees or the second

inspection visit rom the authorised amount

o the claim.

9. I we accept a claim, we have the right:a) To require a contribution rom you i the

repaired vehicle will ultimately be in a better

condition than beore the claim; and

b) To take wear and tear, according to

age and mileage, into consideration when

settling the claim.

10. This insurance is limited to a

Mechanical Breakdown o each insured

part on only one occasion during the period

o insurance.

11. I more than one insured part has ailed

at the time you contact the Administrator, it

will be dealt with as one claim.

12. We have the right to speciy the use

o guaranteed reconditioned or exchange

units. Our liability will be limited to the cost

o these parts.

13. I You are VAT registered, the VAT

element will not orm part o any claim

against Us.

14. I We give provisional authorisation

or repairs, We will assess repair times in

line with the Autodata repair times manual

current at the time.

15. We are not liable or any claimsdirectly or indirectly caused by:

a) non-compliance with the conditions

relating to the maintenance o the

Motorcycle;

b) any act, omission or negligence by You

(or any user o the Motorcycle), which adds

to the loss or damage;

c) re, collision, rost, snow, ice, fooding,

reezing or corrosion;

d) parts being subjected to recall by the

manuacturer or parts which ail as a result

o inherent design aults;

e) the ailure o a part which is under any

manuacturers’ or suppliers’ warranty;

) wear and tear, gradual breakdown or

deterioration o the insured parts;

g) inherent aults which have not been

corrected at the point o inception or

insucient servicing;

h) consequential damage i it is reasonableor us to conclude that the damage has

been caused by ailure to take preventative

steps (or example, the vehicle being driven

with a deective part) and any loss arising

rom;

-excluded parts;

-incorrectly tted parts;

-insucient servicing;

-aults present at purchase;

i) losses normally covered under a road

risks insurance policy or loss resulting rom

an accident to the Motorcycle;

j) the Motorcycle having been altered or

modied rom the manuacturer’s original

specication, or having been raced, rallied,

used in competition, or or hire or reward,

used or courier work, driving tuition or

custom built Motorcycles;

k) any parts which have not actually ailed

and which are replaced during routine

servicing or maintenance;

9



l) the Motorcycle being benecially

owned by a company or person involved in

the business o Motorcycle repair, servicing

or dealership or by an employee o such a

company or person;

m) any Mechanical Breakdown caused

by lack o normal and proper use or care,

including the incorrect use o uel.

16. Data Protection Act 1988 Some or all

o the inormation which You supply to Us

or the Administrator in connection with thisinsurance will be held on Our computer

records to help with the administration o

the Plan. It may be used or underwritings

or claims purposes by Us. The details

You supply will be sorted and used by Us

to administer Your Insurance cover. Your

details will not be kept or longer than

necessary. You are entitled to a copy o all

the inormation we hold about You.

17. Complaints Procedure

I you have any enquiry or complaint about

your policy, you should in the rst instance

write to the Scheme Administrator;• Warranty Management Services Ltd,

Warranty Suite, Thame House, Thame

Road, Haddenham, Buckinghamshire HP17

8HU.

• If you are not satised with the way a

complaint has been dealt with, please

write to AmTrust International Underwriters

Limited, PO Box 10534, Dublin 2.

• If this fails to resolve your complaint,

you may then write to the Financial

Ombudsman Service at South Quay

Plaza, 183 Marsh Wall, London E14 9SR.

Customer helpline: 0845 080 1800. Email:[email protected].

uk.

A summary o the Insurer’s complaint

handling procedure is available on request

and will also be provided to you when

acknowledging a complaint.

About the Financial Ombudsman Service

(FOS)

Eligible complainants are

• private individuals and

• ‘micro-enterprises’.

‘Micro-enterprises’ will be able to bring

complaints to the ombudsman as long

as they have an annual turnover o under

EUR2 million and ewer than ten (10)

employees.

18. Compensation Scheme

You may be entitled to compensation rom

either the Financial Services Compensation

Scheme (FSCS) in the UK or rom the

Insurance Compensation Fund in Ireland i

AIUL cannot meet its liabilities under this

policy. The level o compensation provided

will depend on the circumstances o the

claim.

Further inormation is available rom the

FSCS on +44 207 892 7300 or rom the

Irish Financial Regulator on +353 1410

4000.

19. Directive Required Inormation


Limited is an Insurance Undertaking Authorised and Regulated by the Irish


Underwriters Limited is

authorised on a Freedom o Services basis

in the UK under the FSA reerence 203014.

20. The Law and language Applicable to

the Policy

The law o England and Wales will apply to

this contract unless:

1. You and Us agree otherwise, or

2. at the commencement o this insurance

You are a resident o (or in case o abusiness, the registered oce or principal

place o business is situated in) Scotland,

Northern Ireland, Channel Islands or the

Isle o Man, in which case the law o that

country will apply unless You and the

Company agree otherwise. The language

used in this policy and any communications

relating to it will be English.

Direct Debit Payments

Under the terms and conditions or Direct

Debit Payments, Used Vehicle Warranty

will take an initial payment outlined to

you when purchasing the policy and

subsequent monthly payments, also

outlined to you when purchasing the policy.

In the event o a claim occurring within

six months o the policy being taken out

the claim payment will be reduced by the

amount o any outstanding payments up

to the sixth month period. Premiums are

collected over a 6 month period. In the

event that a Direct Debit payment ails, thecustomer will be contacted to resolve the

situation. However, should a resolution not

be possible, then the Policy will cease 1

month ater the Direct Debit ailure.

Liabilities & ExclusionsLiabilities (Motorcycle Only)

The Insurer will be liable or the cost o

parts, labour and value added tax (where

this tax is not reclaimed), to the limits as

stated on the Policy Schedule providing

that all requirements have been met, andthe ailure alls within the scope o this

policy.

This policy provides cover orMechanical Breakdown which isdened as:

1. The actual breakage o a mechanical

part covered

2. The complete ailure o an electrical part

covered

Exclusions

1. The ollowing are not covered by this

policy:a) Modied Motorcycles unless approved

by the manuacturer

b) Motorcycles used or hire and reward

c) Motorcycles used or racing or

competition.

d) Motorcycles used or any commercial

purpose.

2. This policy does not cover death, bodily

injury, accidental damage, consequential

loss, or any other damage howsoever

caused.

3. This policy does not cover wear and

tear, inherent aults, aulty workmanship,

cracked blocks, cracked cylinder heads,

burnt valves, oil and fuid leaks or

accidental damage to the radiator.

4. This policy does not cover

consequential loss howsoever caused.

5. Failure to observe the ollowing will

invalidate your claim:

a) Frost protection

b) Correct claims procedure

c) Servicing.

6. This policy does not cover damage

caused by negligence, i.e. insucient oil

or water, overheating, or ailure to ensure

that minimum damage is incurred by taking

preventative measures.

7. Mechanical Breakdown or damage

arising rom the use o a grade o uel not

recommended by the manuacturers o the

Insured Motorcycle.8. Exhaust emission MOT ailures are not

covered by this policy as they are not a

mechanical breakdown.

9. The machine not having been

adequately cleaned on a regular basis in

accordance with the instructions contained

in the relevant owners’ manual.

10. The bodywork o the machine being

chipped, scratched, dented or otherwise

damaged.

Terms and Conditions

1. No part o this policy may be alteredwithout the written consent o WMS.

2. WMS reserve the right to appoint the

repairer o the Motorcycle, the supplier

o the parts, and where available service

replacement parts will be used.

3. Where the renewal o any parts or

assemblies brings about improvement or

betterment o the Motorcycle a contribution

may be required rom the policy holder.

10



Overnight Accommodation and RailFare

Hotel expenses or return rail are will be

reimbursed to a maximum o £60 including

VAT within the maximum claims liability,

providing that the vehicle is rendered

immobile due to a valid claim under the

terms o this policy. Bona de receipts will

be required in the event o a claim. Drinks

and meals are specically excluded.

RenewalSubject to the insurers’ approval, you will

be oered renewal o this policy shortly

beore it is due to expire.

Car / Motorcycle Hire

In the event o an agreed repair and

provided that the repair according to the

Autodata time schedule is in excess o 8

hours, a maximum o £20 per day inclusive

o VAT (excluding petrol and insurance)

may be reimbursed or a maximum o 5

days.

Vehicle RecoveryIn the event o an agreed repair, Tow-In

charges up to £50 including VAT will orm

part o the maximum repair payout.

Transer

I you sell the vehicle to a private individual

unconnected with the motor trade, you

may also transer the remainder o the

policy to the new owner subject to our

approval. Please complete the inormation

overlea and send to our address together

with our ee o £50 made payable to WMS

Ltd.

This will take account o the age and

mileage o the Motorcycle and the cost

o restoring the Motorcycle to its pre

breakdown condition.

4. This policy will be rendered invalid i

you ail to maintain your Motorcycle in

compliance with the manuacturers service

schedule including the changing o timing

belts. This must be carried out by a V.A.T.

registered garage o your choice. All

invoices must be retained as they will be

required in the event o a claim, showing

date, mileage, and work carried out.

IMPORTANT NOTE:

Ater servicing becomes due, you have

a maximum o 30 days or 1000 miles

(whichever is the sooner), to have the

service completed.

FAILURE TO DO SO WILLINVALIDATE YOUR POLICY

How to Make a Claim

1. I your Motorcycle suers a mechanical

breakdown, please check your policy

careully to establish that the ault is

covered.

2. Telephone our claims department on

0844 477 5004 who may decide on the

repairing garage, and give you all the

inormation necessary to proceed with your

claim.

3. I the cause o your breakdown is not

obvious, it may be necessary to dismantle

the Motorcycle to some extent. This will be

done only on your authority and the cost o

this will be your responsibility at this stage.

4. I WMS nd the claim to be within thescope o your policy an authorisation

number will be issued once the costs have

been agreed. All repair times will be based

on Autodata.

5. To establish liability it may be necessary

to instruct an independent assessor to

inspect and report his ndings.

The result o which cannot be contested

except by another independent assessor.

6. Claims must be registered within 7 days

o their occurrence.

7. Once the claim has been authorised,

you may proceed with the repairs. On

completion, send in the repairers invoice

and any service invoices requested.

8. In the event o a alse or raudulent claim

being submitted, the policy will be rendered

invalid. In all cases, we reserve the right to

prosecute.

9. Any work carried out without priorauthorisation will not be reimbursed.

No claims are valid without an authority

number.

10. Once a claim number has been

issued you have 3 months in which to

submit the invoice or payment. Ater this

period o time the claim will lapse and no

reimbursement is possible.

11. No claim will be considered unless

mechanical breakdown has occurred and

has been reported to us during the policy

period.

Please ensure that the authorisation

number is marked on the invoice, and state

clearly who is to be paid. This policy is

transerable to a private individual (subject

to acceptance), you have 7 days in which

to do this and the admin ee is £50.00.

To proceed, please provide the ollowing

inormation.

Additional BenetsEuropean Cover

Cover is extended to insured vehicles used

on the Continent o Europe or a periodnot exceeding 60 days. In the event o a

mechanical breakdown on the Continent,

you must comply with the claims procedure

in the normal way. In the event o a valid

claim, reimbursement will be based on the

currency exchange rates prevailing on the

date that the claim is agreed.

11



to allow you to complete your journey)

What is not covered

• Any claim arising in the rst 48 hours

rom the date o inception.

• Labour charges in excess of one hour.

• Cost of replacement parts, fuel or

materials used in a repair.

• Toll charges, ferry charges, parking

charges, trac congestion charges.

• Storage charges incurred during or afterthe use o our services.

• More than 6 call outs during the period

o cover.

• Running out of fuel, wrong fuel in

vehicle, loss o keys, broken glass.

• Any vehicle not able to provide a

serviceable and/or accessible spare tyre or

wheel changes (or vehicle does not come

with a spare tyre as a standard tment).

• Keys locked in vehicle, damaged keys,

key ob aults.

• Any campervan or any vehicle (modiedto) provide living accommodation.

• Vehicles immersed in, or immobilised

rom being immersed in, mud, snow, sand

or water.

• Vehicles that require a repair at a

specialist garage.

• A second use of our services if no

remedial action has been taken to correct

the initial ault.

• Faults with a caravan or trailer (that may

or may not immobilise the caravan/trailer)

when the vehicle is not immobilised.

Defnitions

We, Us, Our

First Call GB Ltd, Wellington House, 90-92

Butt Rd, Colchester, Essex. CO3 3DA.

You, Your

The person who has taken out the policy,

being a permanent UK resident

Vehicle

The vehicle owned by you and declared to

us and used exclusively or Personal / non-

Commercial use.

Territorial limit

Sub Section A The United Kingdom

including Scottish Islands (Subject to

approval by the Underwriters).

Breakdown

Breakdown means an electrical or

mechanical ailure or a road trac accident

or damage caused by vandalism, re,

thet or attempted thet which renders thevehicle completely immobilised.

In the event o a non ault road trac

accident you will be required to pay or the

assistance, and submit to your insurer as a

third party claim.

Recovery Operators

First Call GB Ltd. dedicated service

engineers. This may be supplemented by

the use o independent agents.

Terms and conditions and eligibility o

cover

1. You or the driver must abide by theterms and conditions o this policy at all

times.

2. Please note – our recovery operators

are unable to work on unattended vehicles.

3. The vehicle must be maintained at

all times in a roadworthy condition in

accordance with the law and be regularly

serviced in accordance with your

manuacturer’s recommendations.

4. First Call Motor Breakdown only covers

the vehicle registered or any driver with the

owner’s permission and legal capability to

drive the vehicle.

5. Cars, vans, and motorcycles (excluding

campervans and vehicles with living

accommodation) are eligible to be covered

up to a maximum 3.5 tonnes gross weight,

5.5 metres (18 eet) in length and 2.3

metres (7 oot 6 inches) wide.

6. Any caravan or trailer attached to the

vehicle must be up to a maximum o 7.6

metres (25 eet) in length at the time o the

breakdown.12

FIRST CALLMOTOR BREAKDOWNIn the event o a Breakdown call

UK 0800 389 5150

WELCOME TO FIRST CALL ASSISTANCE

Thank you or taking out a First Call policy.

To make sure you get the most rom

your cover, please take time to read the

policy, which explains the terms andconditions o your membership. I you have

any questions or i you would like more

inormation, please contact First Call on

0844 99 33 999.

In the event o breakdown

Call our emergency helpline on: -

UK 0800 389 5150

Please be prepared to provide the operator

with the ollowing inormation:

• Your Policy Number

• Your name

• Exact location of vehicle

• Nature of breakdown

• Registration Number of Vehicle

We will then arrange or one o our recovery

operators to attend the given location, as

quickly as possible.

During the period o cover you are entitled

to contact us up to a maximum o 6 times

or breakdown assistance; your policy

will then become cancelled ater the sixth

callout with no reund o premium being

allowable.

Our helpline is available 24 hours a day,

365 days a year.

Level o Cover

As dened on your policy schedule.

Your cover

The vehicle is covered or call out charges

and up to 1 hour’s labour charges, at the

scene o your breakdown where your

vehicle is rendered immobilised due to

electrical or mechanical aults within the

Territorial Limits stated in this policy.

Change o vehicle

You are only covered or the vehicle

registered at inception o membership

unless you have previously notied us o

a change o vehicle 48 hour’s prior to a

breakdown. You may change the vehicle on

your policy up to 4 times in any period o

membership. All change o vehicles have

a 48 hour inception period. Temporary

change o vehicles are excluded rom thispolicy.

Change o address

Assistance at your home is only covered

at the address registered at inception.

I you change address please notiy us

immediately.

Period o cover

The policy is or the period as stated on

your policy schedule.

Summary o cover

• Roadside assistance

• Roadside repairs

• Assistance at your home

• Onward destination service

• Cover for any driver that is using the

registered vehicle, provided that the person

has received permission rom you rst and

is legally able to drive the vehicle.

• Cover for cars, vans, and motorcycle up

to 3.5 tonnes (excluding any vehicles with

living accommodation)

• Recovery of a caravan or trailer

attached to your vehicle at the time o the

breakdown up to 7.6 metres in length.• Up to 1 hours roadside assistance only.

• Up to a maximum of 6 call outs a year

• Wheel changes – roadside assistance

only (providing that the driver has a

serviceable and accessible spare tyre

and wheel and is able to provide a

manuacturer’s key to remove any locking

wheel nuts or i an infation / oam kit is

provided and can be used to infate the tyre



7. We reserve the right to cancel this policy

at any time, by giving you 14 days notice in

writing to your last known address, and a

pro rata reund will be allowable to you i no

claims have been made (less administration

ee).

8. You can cancel this policy within 14

days o inception/submission provided

that no claims have been made, and a ull

reund (less an administration ee) will be

made. No reund o premium will be made

ater this period.

9. All claims and assistance is at the

discretion o First Call GB Ltd. Any

breakdown discovered or believed to be

excluded rom the policy is chargeable to

you under current commercial rates beore

assistance is provided.

Sub-section A: United Kingdom Cover

I the vehicle registered is immobilised

in the UK, then you are covered or the

ollowing: -

A Call out and up to 1 hour’s roadside

assistance by one o our approvedrecovery operators to attend the scene o

the breakdown, and where possible carry

out emergency repairs.

B I repairs cannot successully be

carried out at the scene o the breakdown

then we will pay the cost o recovery o the

vehicle driver and up to 4 passengers to

the nearest suitable garage able to eect a

repair, or to your onward destination, or to

your home address whichever is nearer.

C I you breakdown at roadside and

repairs cannot be carried out within an

agreed reasonable period then you will beoered one o the ollowing options: -

(i) The cost o alternative road or rail

travel or the driver and up to 4 passengers

rom the scene o the breakdown to one

destination within the Territorial Limits

stated in this policy, plus a return journey

or one person to collect the vehicle upon

completion o repairs.

(ii) The cost o one nights accommodation

up to a total o £100 a claim (excluding

ood and drink) in the vicinity o the

breakdown or the driver and up to 4

passengers up to a maximum o £40.00 per

person, subject to a maximum

overall o £200.00 per claim.

(iii) The recovery o the vehicle, the driver

and up to 4 passengers to any one

destination within the territorial limits under

Sub Section A.

(iv) The cost o suitable car hire or up to48 hour’s up to a maximum o £100.00 per

claim.

The maximum payable or any claim

rom any one breakdown including any

reimbursement claim is £2,000 or the

current market value o the vehicle at the

time o the breakdown whichever is lower.

Important Notes

1. We will always decide on the best

possible way o oering assistance,

ater taking into account individual

circumstances. I the assistance that we

oer does not suit your requirements then

you may request alternative assistance to

be arranged or you at your own cost.

2. We do not accept any responsibility

or the transportation o pet animals or

livestock within the vehicle at the time o

the breakdown

3. A garage or mechanic undertaking

repair work on your instruction will be

acting as your agent or such repair work.

4. I requested, you must provide evidence

o servicing o your vehicle or receipts or

replacement parts.5. Recovery cannot be used as a reason

or avoiding repair costs.

6. We reserve the right not to oer renewal

o cover.

7. We reserve the right to reuse service

and cancel membership to anyone who

behaves in a threatening or abusive manner

to our employees.

8. I we believe that we cannot provide

13

an acceptable level o service to the area

where your registered Home Address is

located then we reserve the right to cancel

your policy and give you a ull reund o

your premium provided that no claim has

been made on the policy.

9. In the event o a vehicle breakdown

we will oer recovery o any caravan or

trailer (within the specied restrictions).

The caravan/trailer is not covered or

breakdown within the terms and condition

o this policy.

10.No claim will exceed the current market

value o the vehicle at the time o the

breakdown.

11.This document is subject to English law

unless otherwise agreed in writing by First

Call.

General exclusion

First Call will not cover the ollowing: -

1. Vehicles that have not been regularly

serviced or breakdown as a result o

inadequate repair, unsuccessul DIY or any

claim where no remedial action has been

taken to correct the ault since we last

attended your vehicle. Garage attention

must always be sought ater experiencing a

breakdown and proo o repair obtained.

2. Vehicles being used (or that have been

modied or use) in motor racing, rallies,

speed or endurance tests; hire or reward

(including courtesy vehicles), vehicles

not used exclusively or Personal / non-

Commercial use or over 3.5 tonnes gross

laden weight; mechanically modied

vehicles requiring specialist repairers.

3. Any liability or consequential loss arising

rom any act perormed in the execution o

the Breakdown services provided.

4. Vehicles not in a roadworthy condition

immediately prior to any breakdown.

5. Any claim resulting in a vehicle not

being repaired, or that is disposed o or

scrapped.

6. Vehicles immersed in mud, snow, sand

or water or any ault occurring or being

immobilised as a result o contact with

mud, snow, sand or water.

7. Any vehicle with living accommodation.

8. Any claim that could be recoverable

rom any insurance policy indemnity or

warranty.

9. Any nes or penalties imposed by

courts.

10.Any charges incurred prior to

notication o Breakdown and our

approved repairer attending.

11.The cost o any parts, components,

lubricants or materials, ood, drinks,

telephone calls, petrol, oil or any other

incidental expenses.

12. Any claim where First Call Motor

Breakdown has not been notied at least

48 hours previously o a change o vehicle.

13.Any charges incurred resulting rom you

breaking down in a location that rescuing

the vehicle would be unlawul (Including

any legal restriction on recovering a vehicle

rom a European motorway).14.Any cost o any specialist recovery

equipment or service charges needed

(as dened by the recovery operator in

attendance o your breakdown).

15.Breakdowns where your vehicle is not

accessible or cannot be transported saely,

legally and without hindrance using a

standard transporter or trailer.

16. Any toll charges, erry charges parking

charges or trac congestion charges.

17. Any costs recoverable elsewhere.

18. A second callout when a temporary

repair was earlier carried out.

19. Any claim or assistance while money

is owed to First Call GB Ltd by the policy

holder.

20.Any claims or private hire vehicles, i.e.

taxis.

21.Breakdowns caused by your vehicle

running out o uel or where assistance

cannot be aected because the vehicle

does not have a serviceable and/or



accessible spare tyre and wheel.

22.Claims arising rom loss or damage to

contents o or within your vehicle.

23.Claims directly or indirectly caused by

or contributed to or arising rom ionising

radiations or contamination by radioactivity

rom any nuclear uel or rom any nuclear

waste rom the burning o nuclear uel; or

the radioactive, toxic, explosive or other

hazardous properties o any explosive

nuclear assembly or nuclear part o it;war, invasion, terrorism, oreign enemy

hostilities ( whether war is declared or

not), civil war, rebellion, revolution, military

orce or coup; or pressure waves caused

by aircrat or any other airborne devices

travelling at sonic or supersonic speeds.

Complaints procedure

Our aim is to try to provide a rst class

service to you at all times, however we

do recognise that sometimes problems

do occur. Should you ever have cause to

complain then in the rst instance please

write to: -Complaints Dept

First Call GB Ltd

Wellington House

90-92 Butt Road

Colchester

Essex

CO3 3DA

I the matter still remains unresolved

thereater you can then write to: -

The Managing Director (Administrator)

First Call GB Ltd.Wellington House,

90-92 Butt Road,

Colchester, Essex

CO3 3DA

Please quote your policy number as a

reerence in all correspondence.

Additional inormation.

First Call GB Ltd is incorporated at

Companies House, Cardi, (Company

Number 4494431). Registered Oce:

Wellington House, 90-92 Butt Road,

Colchester, Essex, CO3 3DA.It is a provider

o breakdown assistance services that

is exempt rom authorisation under the

Financial Services and Marketing Act 2000.

Data Protection

The data supplied by you will only be used

by us and careully selected associatedcompanies or related products and

services as well as the purposes o

processing your membership policy,

including underwriting, administration,

and handling any claim which may arise.

The data supplied will not be passed to

any other parties other than those which

we have mentioned hereon. It is important

that the data you have supplied is kept

up to date. You should thereore notiy us

promptly o any changes. You are entitled

upon the payment o an administration ee

to inspect the personal data which we are

holding about you. I you wish to makesuch an inspection, or i you do not wish

to receive inormation on related products

and services, you should contact The

Administrator, First Call GB Ltd, Wellington

House, 90-92 Butt Rd, Colchester, Essex,

CO3 3DA.We may respond to enquiries

by the police concerning your policy in

the normal course o their investigations.

Where it is necessary to administer your

policy eectively, or to protect your

interests, we may disclose the data you

have supplied to other third parties such

as motor garages, engineers, repairers,insurers etc. We may monitor and record

telephone calls or service and sta training

purposes.

14



IMPORTANTOnly a ully documented receipt rom a VAT

registered garage showing date, mileage

and work carried out will be accepted as

proo o servicing. These documents must

be retained as WMS reserve the right to

inspect receipts to ensure compliance.

The Service Record below is or your

guidance only and will not be accepted

as proo o service. Important: the

mileage stated does not guarantee the

true mileage o the vehicle.

Service Record

1st ServiceI certiy that the Inspection has been carried out

in accordance with the Manuacturers Service

Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp

Pre Delivery InspectionI certiy that the Inspection has been carried out.

Signed:

P.D.I Date:

Mileage:

Next Service Due

Date:

Mileage:

Dealer Stamp

2nd ServiceI certiy that the Inspection has been carried out


Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp

Note to Servicing Company:

Please complete, then stamp and sign the relevant service record and supply the customer with a bona de service receipt.

15

3rd ServiceI certiy that the Inspection has been carried out


Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp

5th ServiceI certiy that the Inspection has been carried out


Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp



Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp



Recommendations.

Date:

Mileage:

Signed:

Next Service Due

Date: Mileage:

Dealer Stamp

uvw whats covered a5 150611

Documents