Mechanical Breakdown Insurance
It’s so exciting once you’ve got your car finance sorted and can get your hands on your new car. But as you jump behind the wheel the last thing you want to think about is having mechanical trouble or breaking down. Sadly, it’s a fact of life that somewhere down the line you might have to pay out for repairs and maintenance or vehicle recovery should something go wrong.
Hopefully you won’t have any problems, but if you did would you have the funds ready for garage bills or replacement parts? Then may be its worth asking us about Mechanical Breakdown Insurance.
Breakdown Insurance works like any insurance policy, in that it covers the cost of repairs or replacement parts following an unexpected breakdown or mechanical failure. This way you can get your car back on the road as quickly as possible without being hit by a huge garage bill.
As with all our insurance products it’s quick and easy to arrange, simply ask one of our friendly advisors to tell you more about the options we have available. Once you’re covered you can rest assured that when the unexpected brings you to a stop, Car Loan 4U will keep you moving.
Car Protect MBI
Summary
This Insurance offers 'Parts and Labour' cover for specifically listed Components under the following categories. This is a summary of the cover offered. Specific Components are detailed in the Insurance document.
• Engine
• Timing Belt
• Cooling
• Fuel System (Petrol)
• Engine Management
• Manual Gearbox
• Clutch
• Automatic Gearbox
• Continuously Variable Transmission (CVT/CTX)
• Torque Convertor
• Transfer Box
• Front Wheel Drive
• Rear Wheel Drive
• Differential/s
• Propshaft/s • Wheel Bearings
• Steering and Suspension
• Braking
• Electrical
• Casings
• Woring Materials
• Diesel Cover
The following will only be included if selected as optional additional cover items on the Schedule, and the appropriate additional premiums paid.
• Turbocharger / Supercharger / Kompressor
• Anti-Lock Brake system (ABS)
• Air Conditioning / Climate Control
• Catalytic Converter
• Four Wheel Drive Vehicles (4X4)
• Power Roof Motors
Car Protect
Mechanical Breakdown Insurance
effected by Car Protect.
The protection offered to You is an Insurance policy. Like all Insurance policies it has terms and conditions. It is important that You read and understand these conditions to make sure that it is the right product to suit Your needs. If You have any questions on the content of this summary document, please contact Car Protect customer services on 08707 559 666, or clarify them with Your sales executive. We will be happy to help.
This Insurance is underwritten by Enterprise Insurance Company Plc (The Insurer), whose address is Suite 3, 2nd Floor, Icom House, 1-5 Irish Town Gibraltar, Gibraltar. Registered number 89698, and effected through Car Protect (the administrator for the Insurer).
Car Protect is a trading style of the Motorway Direct plc. group of companies, who are authorised and regulated by the Financial Services Authority (FSA), authorisation number 311741. Our address is 1 Waterside Court, Bold Street, Sheffield, S9 2LR. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet Our obligations to You.
For details of authorised firms visit the FSA website on www.fsa.gov.uk/register/
Your Insurance cover
The Insurance
Subject to the correct premium having been paid, the Insurer will provide cover as detailed in this document.
What is covered by Your Insurance
The purpose of this Insurance is to contribute to the cost of repairs to Your Vehicle, required due to the unforeseen mechanical Breakdown of the specified Components. Please remember that any parts not covered will not be paid for by this Insurance. The Component cover, Period of Cover and maximum Claim Limits will be as stated on the Insurance Schedule. No claim payment can be released until the Insurance Application and full premium have been received by Us.
Important conditions
a). This Insurance does not cover the failure of Components due to lack of routine or regular maintenance. Please ensure You read and understand the requirements on page 12. 'Caring for Your Vehicle' in Your Insurance document.
b). This Insurance does not cover vehicles used for hire or reward.
c). Authorisation for repairs - If You suspect that You have a fault which is covered by this Insurance, first contact Us, at which time You will be advised of the claims procedure. No repairs may be started until We have issued a claims authority number to You.
d). Nominated Repairers - We have a nationwide network of Nominated Repairers who are fully conversant with Our claims procedures. By using these Nominated Repairers You can ensure that You receive the best service from Your Insurance.
e). This Insurance does not cover servicing, maintenance, Components other than those specified or Components failing due to Wear and Tear (please read Your Insurance conditions carefully).
f). This Insurance is a contract of indemnity, which means that if an authorised repair results in the condition of Your Vehicle being better than immediately prior to the Breakdown, You may be required to pay a contribution to the costs.
g). This Insurance cannot be transferred to another vehicle.
h). Any customer excess applicable to this Insurance will be as detailed on Your Application Form / Schedule and will apply to each and every authorised claim.
i). This Insurance is not valid until You have received a completed Schedule and the relevant premium has been received by Us.
j). Age and mileage conditions apply, please see Your dealer for details.
Features and benefits
1. Cover is available for up to 3 years, from date of purchase or the expiry of the manufacturer's warranty.
2. Unlimited number of claims up to the retail value of the Vehicle in aggregate.
3. On a valid claim a contribution of £100 can be made towards hotel / travel expenses.
4. On a valid claim a contribution of up to £50 can be made towards the cost of recovery.
5. 60 day cover for breakdowns in continental Europe and Eire included.
What is not covered - important exclusions
Your Insurance will not cover
1. Components other than those specifically listed in the 'What is covered' section of Your Insurance document.
2. General maintenance and Components failing due to Wear and Tear.
3. Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturer's recall.
4. Damage caused by overheating, freezing, corrosion or the intrusion of harmful substances (for example the ingress of water), use of an incorrect grade of fuel or oil, or lack of antifreeze, lubrication or servicing.
5. Improper use of the Vehicle, neglect or abuse of any kind, or drive on damage after a fault has occurred.
6. Faults which were on the Vehicle at the time of purchase, or caused by poor servicing or previous repair.
7. Consequential damage, caused by the failure of Components not covered by this Insurance, or to Components not covered by this Insurance.
8. Any repairs not authorised by Us prior to the repair work being carried out.
9. Any costs other than those specifically agreed and authorised by Us.
10. Adjustments, the cleaning of Components or 'refacing' costs (e.g. skimming or honing) and diagnosis.
11. Costs in excess of the equivalent UK specification Vehicle, if Your Vehicle has been imported.
12. The failure of Components due to lack of routine or regular maintenance.
13. Any customer excess as detailed in Your Application Form / Schedule.
Cancellation
1. You may cancel this Insurance within 14 days of the Conclusion Date. If We have made a claim payment to You or on Your behalf during this time, You will have to return the money to Us. After this time You may cancel Your Insurance at any time but no refund of premium is available.
2. We may cancel Your Insurance by writing to You and giving You 14 days notice. We will write to Your last known address. If We cancel Your Insurance We will refund to You the unused part of Your premium, calculated pro-rata. An administration charge may be applied.
Caring for customers
If You have a problem
Our aim is to provide the highest level of service to You at all times in dealing with all aspects of Your Insurance. If You feel We have not achieved Our aim, please inform Us. Your feedback enables Us to monitor and improve the service We provide.
In the first instance, please contact Our Claims Manager, or Customer Services Manager either by telephone on 08707 559 666, or by e-mail to customerservices@carprotect.co.uk. Alternatively write to them at Car Protect Limited, 1 Waterside Court, Bold Street, Sheffield, S9 2LR.
Please ensure You quote Your Insurance number in all correspondence and enclose any evidence or documentation You wish Us to consider in reviewing Your complaint.
We will do Our best to resolve Your complaint quickly and with the least inconvenience to You, ideally within 5 working days. We will keep You informed of the progress of Your complaint if We require time to investigate.
On receiving Our answer You may, if You are not satisfied, appeal in writing to The Underwriting Director, Motorway Direct Plc, 1 Waterside Court, Bold Street, Sheffield, S9 2LR. Please make sure any new evidence or information is enclosed.
We expect complaints to be quickly and satisfactorily resolved at this level, however You can take the matter further by writing to The Claims Manager, Enterprise Insurance Company Plc (The Insurer), whose address is Suite 3, 2nd Floor, Icom House, 1-5 Irish Town Gibraltar, who will arrange an investigation into the matter on behalf of the Executive Directors.
If You have still not received a satisfactory response, or Your complaint has not been resolved within eight weeks of Our receiving it, You may refer Your case to the Financial Ombudsman Service, set up by the Financial Services Authority to review unresolved Complaints. They can be reached at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0207 964 1000, e-mail: enquiries@financialombudsman.org.uk
Important notice:
Please note that an Insurance Summary does not contain the full terms and conditions of the Insurance product. Full terms and conditions can be found in the Insurance document.
Car Loan 4U is authorised and regulated by the Financial Services Authority, and licensed by the office of fair trading under the consumer credit act 1974. Licensed Credit Broker. All finance is subject to status and income. Written Quotation on request.
Registered office: Car Loan 4U Ltd, Winterton House, Winterton Way, Macclesfield, Cheshire, SK11 0LP. Registered in the UK. Tel: 0871 220 6007
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