Whats Not Covered

Your Plan particularly excludes the following:

Vehicles Excluded

1. Any Vehicle not conforming to the UK Department of the Environment (DOE) Vehicle Type Approval Standards (where a Type Approval Certificate is not in force) or where a current MoT VT20
   Certificate (when required) is not in force or has expired, including any vehicle privately imported from Japan or from outside of the EEC.
2. Any Vehicle where the registration number, make or model, engine size or mileage is inaccurately described on Your Plan Schedule or contradicts your Vehicle’s V5 Registration Document or
   service history record.
3. Any Vehicle where documentary proof exists to show that the declared mileage/distance reading has been altered or interfered with and is significantly higher.
4. Any Vehicle (prior to the date of repair) declared as an insurance category A, B or C insurance write-off or stolen and recovered.
5. Any Vehicle used for hire or reward including: taxis, driving schools, courier vehicles, leased and rented vehicles, or any Vehicle with an un-laden weight of more than 3500kgs or a vehicle used in any sort of competition, race, rally or track events or any previous public service vehicle such as police, ambulance, fire and military vehicles.
6. Any modified Vehicle, which differs from the manufacturer’s original specification (in whole or in part) or a vehicle altered to be powered by any alternative fuel source or type (such as LPG or
   Bio-Fuel) unless we make special provisions which are noted on Your Plan Schedule.
7. Any Vehicle where you are the owner, proprietor or director of a motor dealer business, car auction, repair garage, leasing, hire or rental company or otherwise connected with the motor
   trade (unless we make special provisions which are noted on Your Plan Schedule).

Note: If after Your Plan is established, any of the above circumstances come to light, Your Plan will be cancelled and all charges refunded less the Cancellation Fee.

Parts Excluded

8. All non-mechanical and non-electrical Parts.
9. Any Part or Addition particularly excluded from or not specifically included within Your Plan.
10. Parts which have not suffered a Failure.
11. Worn Out Parts.
12. The repair or replacement of any Part not authorised by us.
13. The replacement of any camshaft timing belt, tensioner or any associated Repair Cost where it cannot be shown within the Vehicle’s service record that the correct servicing of the camshaft belt and/or tensioner has been carried out previously.
14. Any Part Failure reported by your Repairer, at the time of routine servicing or drive in check up, within either 30 days or 1,000 miles of Your Plan Start Date.
15. Any Part that has not suffered a Failure but which is simply recommended by your Repairer to be replaced as good engineering practice or in order to avoid any future Failure.
16. Any Part Failure reported by your Repairer at the time of MoT, within 90 days of Your Plan Start Date, and noted on the VOSA MoT fail certificate (VT30).
17. Any ‘Advisory’ Part noted as requiring attention on any previous MoT Advisory Notice accompanying a VOSA MoT Certificate (VT20) or any previous servicing schedule.
18. Bodywork and paintwork, interior and exterior trim, carpets and upholstery, front and rear windscreens (heated or otherwise) door glass and mirror glass, doors, sunroof guides and runners, cabriolet roof material, hinges, locks, keys, barrels and keyfobs, together with: engine and suspension mountings, rubber bushes and fuel tanks (unless included under the MoT Addition).
19. Any Serviceable Parts normally replaced during the manufacturer’s recommended servicing of the Vehicle such as: spark plugs, high tension leads, lubricants, fluids, filters, wiper blades, fan and drive belts (not a complete list) also including: hoses, fuses, wiring and connectors, bulbs, batteries, wheels, tyres, frictional materials of brake linings and clutch plates, exhaust systems,
    other than for Parts included under an Addition or unless any such items are authorised within the costs of a valid repair providing the Vehicle is not within 1,000 miles or 30 days of its next scheduled service.
20. Any items fitted to your Vehicle after the date of manufacture such as: roof racks, cycle carriers, towing equipment etc (not a complete list).
21. Any Part which has been in any way modified or is not to the manufacturer’s original specification or any Part damaged due to the incorrect operation of the Vehicle.
22. Any Parts which are corroded or which have suffered Failure due to flooding, freezing, water ingress, burning, melting, lack of or incorrect coolant, lubricant or fuel, blockage due to sludge, carbon build up, Parts which are electrically overloaded due to incorrect use of welding, starting or charging equipment or any fuel or fluid leak or any other oil leak not specifically included within Your Plan.
23. Any Part requiring replacement due to it being updated, superseded or which has been recalled by the manufacturer where you have no proof that the recalled Part has been previously replaced together with any Part with inherent manufacturing defects.
24. Any Part which has suffered a Failure due to incorrect servicing, oil or coolant leak, negligence, neglect, misuse, criminal damage, theft or attempted theft, accident or any Part not reported at the time of repair by your Repairer.
25. Any Part which within the last 12 months has been the subject of a previous repair.
26. Parts covered by any other plan, warranty, guarantee or goodwill offer of settlement.

Reports by Independent Vehicle Examiners

27. The Failure of any Part which an Independent Vehicle Examiner determines existed, or was developing, with your Vehicle on or before Your Plan Start Date or on or before the date of any later addition or after Your Plan had expired.
28. The Failure of any Part which an Independent Vehicle Examiner identifies as being aggravated due to the Vehicle being driven-on after the Failure had occurred. In such cases, Your Plan will only pay the reasonable Repair Cost the Independent Vehicle Examiner believes would have resulted should your Vehicle have been stopped at the earliest opportunity.
29. The Failure of any Part which an Independent Vehicle Examiner confirms is due to the expected reduction in operating performance with regard to the make, model, age and mileage of your Vehicle (ie) Worn Out Parts.
30. The Failure of any Part which an Independent Vehicle Examiner believes is due to an accident or which comes to light during any such accident repairs.

Miscellaneous

31. Any Failure caused by the use of incorrect or contaminated fuel, fluid or lubricant or caused by any foreign object or debris or any flushing or cleaning not reasonably considered within the costs of a valid repair.
32. Unless there is proof of Consequential Failure, this Plan does not cover the cost of fitting multiple parts other than for Parts Replaced in Pairs.
33. Any Failure where your Vehicle’s mileage/distance reading at the time and date of Failure is not supported by its previous service history and cannot be verified as correct or relied upon to be
    an accurate representation of your Vehicle’s total mileage.
34. If at any time during the Period of Your Plan we use our discretion to authorise a repair on a goodwill basis which would otherwise have been excluded then this does not set any precedent and does not mean we will necessarily authorise any similar future repairs.
35. Any liability for death, bodily injury, damage to property, loss of earnings, out of pocket expenses or any other loss caused directly or indirectly by any event giving rise to a repair request under the terms of Your Plan.
36. Any liability caused directly or indirectly by war, riot or any similar event or by vandalism, theft or attempted theft from the Vehicle or by bad weather such as lightning, wind or flood.

Please go to downloads for full details of all terms & conditions.