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(summary)
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 Provided that the terms and
conditions are complied with, Your Insurance will contribute
to the repair or replacement of the Components listed below
where they are shown as failing to meet current MOT standards
on a Refusal of Issue an MOT test certificate (VT30) form.
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Car and Van cover (aggregate £650) |
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Lighting and
Electrical
Headlights and adjustment,(excluding
corroded or damaged adjustments) front end rear side lights,
brake lights, rear fog lights, hazard warning lights and
controls, direction indicator, lights and controls, front
windscreen wiper mechanism (excluding wiper blades), horn and
switch, lighting equipment is covered for failure due to
discoloration, misalignment, corrosion and water ingress,
damage caused by impact, accident or vandalism is not
included.
Steering and Suspension
Wheel bearings, steering system (including power
assisted steering) transmission shafts (excluding gaiters),
front and rear suspension, shock absorbers, track control
arms, kingpins, ball joints and wheel alignment.
Braking System
Service brake and hand brake (including failure due
to seizure, cracks and leakage), ABS system (the warning light
sequence when interrogated). Friction Components – brake
shoes, pads, discs and drums are not covered by Your
Insurance.
Fuel System
Fuel
leakage from tank or pipes (unless caused by accidental or
impact damage or corrosion), fuel injection system and ECU are
covered for failure to meet MOT exhaust gas emissions
standards.
Seating and Security
Operation and security of the seatbelt system and
mountings. |
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Motorcycle cover (aggregate £650) |
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Lighting & Electrical
Headlights,
headlight adjustment, front and rear sidelights, brake lights,
direction indicator lights and controls, horn and switch.
Lighting equipment is covered for failure due to
discoloration, misalignment, corrosion and water ingress.
Cover does not extend to damage from an accident, vandalism or
impact.
Steering & Suspension
Wheel bearings (front & rear), transmission
shafts, front and rear suspension, shock absorbers.
Braking System
Front brake and rear brake (failure due to seizure,
cracks and leakage). Friction Components - brake shoes, pads,
drums and discs are service items which cannot be covered.
Fuel System
Fuel
leakage from tank or pipes (except where caused by corrosion,
impact or accident).
Carburettor
and
injection Components and ECU replacement are covered due to
failure to meet MOT exhaust gas emission standards.
The Insurer will indemnify the person named on the proposal
form (The Insured) against the repair, replacement or
alteration of parts described in an MOT Inspection Report
(VT30) prepared during the Period of Insurance which prevents
the Vehicle specified on the proposal form (The Insured
Vehicle) from being issued with a valid MOT certificate.
The maximum amount We will pay per Individual item
(including labour and VAT) within the overall Claims Limit is
£250 (total of £650 in aggregate
on Car or Van cover, and
a total of £500 in aggregate on motorcycle cover.
Please note, the claim is the
actual failure to pass the MOT test and not the individual
items cited.
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 AA
Warranty
MOT Test Failure Insurance |
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effected by AA Warranty.
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 AA Warranty customer services
on 08707 559 613, or clarify them with Your sales executive.
We will be happy to help.
This Insurance is underwritten by AmTrust
International Underwriters Limited (the Insurer), whose
address is 123 Lower Baggot Street, Dublin 2, Ireland, and
effected through AA Warranty (the administrator for the
Insurer).
AA Warranty is a trading style of AA
Mechanical Insurance Services Limited.
For details of
authorised firms visit the FSA website on
www.fsa.gov.uk/register
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Your Insurance
cover |
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The
Insurance
Subject to the correct premium having been
paid, the Insurer will provide cover as detailed in this
document.
Important notes
a). |
During the Period of Insurance, Your
Vehicle must be serviced in accordance with the
manufacturer's recommendations by a bona fide garage. We
will ask You to provide proof if You make a
claim. |
b). |
This Insurance does not cover vehicles used for hire
or reward.
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c). |
This Insurance cannot be transferred to another
vehicle or owner. |
d). |
Repairs must be completed within 30 days of the
issue of a VT30 document, failing Your Vehicle on its
MOT Test. |
e). |
Your Insurance becomes effective only when Your
Vehicle is within 30 days of its MOT test due date. |
f). |
At the commencement of Insurance Your Vehicle must
have at least 90 days of its current MOT remaining, or
in the case of Vehicles under 3 years old, be more than
90 days from its first MOT date. |
g). |
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.
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h). |
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.
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i). |
Within the Claim Limit the maximum amount payable
for any one item (inclusive of labour and VAT) is £250. |
j). |
If You have elected to pay Your premium on a credit
funding agreement You must be over 18 years of age at
the time of Your Application. Failure to pay any premium
installment will result in the immediate suspension of
cover and may result in cancellation. In the event of a
claim, We may offset any outstanding premium against
Your claim settlement.
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What is not covered - important exclusions
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Your Insurance will not
cover |
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The first £20 of any claim.
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Components other than those specifically
listed in the 'What is covered' section of this insurance.
- The cost of the MOT test and re-test
fees.
- Components which are not cited as failed
on the VT30, but which are replaced during the course of the
repair.
- Advisory items noted on VT30.
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Damage caused by defective wheel balance
or alignment.
- Damage caused by road trafic accident or
fire.
- Faults which occur during the period of
guarantee of a manufacturer or supplier or items which are
subject to a manufacturer's recall.
- Damage caused by corrosion unless
specifically stated otherwise in 'What is Covered' section
of Your Insurance document, improper use of Your Vehicle,
neglect or abuse.
- Any costs not agreed and authorised by
Us.
- Consequential damage, caused by the
failure of Components not covered by this insurance, or to
Components not covered by this insurance.
- Vehicle structure.
- Work carried out more han 30 days after
the actual MOT failure.
- Any repairs not authorised by Us prior to
the repair work being carried out.
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Cancellation |
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You may cancel this Insurance within 14
days of the Commencement Date shown in Your Schedule, and
obtain a full refund by contacting Us on 08707 559 613. 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.
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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.
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Caring for customers |
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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 559613, or by e-mail to
customerservices@AAwarranty.co.uk. Alternatively write to them
at AA Warranty, Warranty House, Savile Street East, Don
Valley, Sheffield, S4 7UQ.
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, Warranty House, Savile Street East, Don
Valley, Sheffield, S4 7UQ. 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, AmTrust
International Underwriters Limited. 123 Lower Baggot Street,
Dublin 2, Ireland, 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@financial-ombudsman.org.uk |
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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. |
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