WARRANTYWISE – TRANSPARENTLY BETTER

This warranty is offered by Warranty Wise Insurance Services. Quentin Willson, who has been instrumental in its design, believes it to be the UK’s Best Used Car Warranty. It will pay towards the costs of Parts and Labour garage repairs following a Failure of an insured Part of Your Vehicle. Provided the appropriate premium has been paid this insurance may be extended to include other applicable benefits (Policy Additions) details of which are to be found within the Policy and at www.warrantywise.co.uk

SIGNIFICANT FEATURES AND BENEFITS

• Cover is for ‘all mechanical’, ‘all electrical’ and ‘all electronic’ Parts of Your Vehicle, there is no limited list of Parts.
• Failure of Parts Due to Wear and Tear is included (unless You decide to exclude this in lieu of a reduced premium).
• Repairs allowed at any Vat registered garage, including Your local garage or main dealer.
• Car hire, recovery, hotel and travel expenses included together with European cover.
• No reduction in claims limits due to the depreciation in the value of Your Vehicle.
• No limit to the number of valid claims allowed.
• No mileage limitations during Period of Insurance.
• No Excess (unless You decide to include one in lieu of a reduced premium).
• No reduction in claim payments due to Betterment.
• No Consequential Damage exclusions.
• No ‘Weasel Words’ (Quentin Willson’s phrase).

SIGNIFICANT REQUIREMENTS

You must be a UK resident and Your Vehicle must have a current MOT and must be serviced by a Vat registered garage following the recommendations of the manufacturer.

SIGNIFICANT EXCLUSIONS AND LIMITATIONS

Warrantywise aim to provide You with the highest Level of Cover, however there are some things this insurance may not provide. Importantly these Exclusions and Limitations include:

• Any claims where You are unable to provide proof of the servicing of Your Vehicle.
• Parts that have not suffered a Failure.
• Worn Out Parts.
• Faults which occurred with Your Vehicle before the inception or after the expiry of the Policy. • The Failure of Parts due to Wear and Tear within the first 30 days and 1,000 miles.
• Damage to bodywork, paintwork, windscreen, interior and exterior trim including carpets and seat coverings etc.
• Any consumable items replaced during the recommended servicing of Your Vehicle such as: spark plugs, oils, fluids, filters, brake pads etc (unless required in order to complete a valid claim).
• Claims in excess of the Sum Insured.
• Claims made against certain Policy Additions within 30 days and 1,000 miles of the Policy Start Date (see details).
• If You are paying Your premium monthly (Pay As You Go) We reserve the right to deduct any outstanding premiums for the initial twelve months (or part thereof) from any authorised claim amount.
• We may require You to provide Us with a photograph of Your Vehicle’s milometer or to allow Us to have Your Vehicle independently inspected before accepting cover.

CANCELLATION

If having applied to Us for cover You decide that You do not want this insurance, simply return this Policy, Your Proposal and Policy Schedule together with Your request in writing (by Special or Recorded Delivery) to reach Us within 30 days of the Policy Start Date and

(i) providing You have not made any valid claim, all cover will be cancelled and Your premium refunded in full without any deduction

(ii) in such circumstances where You have attempted to make a claim, all cover will be cancelled and Your premium refunded less the Cancellation Fee

(iii) in all other circumstances cancellation is without refund.

OUR ACCEPTANCE

Once We have received Your signed proposal (together with a photograph of Your Vehicle’s milometer or vehicle inspection report, when requested) We will issue You with a Policy Schedule, this confirms Our acceptance of Your Policy on risk. The Insurers reserve the right not to accept Your proposal and to cancel Your insurance forthwith without the issue of a Policy Schedule and to return to You any premiums paid without any deduction.

HOW LONG COVER LASTS

Your cover will commence on the Policy Start Date and will continue for the Period of Insurance confirmed in the Policy Schedule up to a maximum of three years without mileage limitation.

RENEWAL

If You decide not to renew this insurance contact Us within 30 days of receiving Your renewal notification or of the start date of Your renewal policy (whichever is the later) and we will refund any premium You have paid, providing You have not made any valid claim since renewal. If you decide to cancel after this time We will make a refund of premium of any remaining period of insurance less Our Administration Fee, providing You have not made any valid claim, since renewal.

HOW YOU CAN MAKE A CLAIM OR TO HAVE A CLAIM REVIEWED

If you need to make a claim simply ring Our claims office on: 0845 293 2570 and speak to one of Our claims technicians, remember to follow the claims procedure outlined within the Policy. If for any reason You require a ‘review’ of any claim then telephone the claims office and ask to speak to the Claims Office Manager.

THE INSURERS

We only offer insurances underwritten 100% by certain Lloyd’s syndicates managed by Jubilee Managing Agency Limited.

ADVICE

Warrantywise operate a non-advisory service and do not recommend any particular Policy of insurance or any Policy Addition or course of action to You.

FEES

We will not charge You any fee for providing You with details or information about the insurances We offer.

HOW TO CONTACT US OR MAKE A COMPLAINT

1 Firstly, if You have any questions please contact Warrantywise by telephoning 0800 169 7880 and ask to speak to Our Sales or Administration Manager (or) if You have a complaint by writing to the Customer Services Manager, Warrantywise Insurance Services at Ribble Court, 1 Mead Way, Shuttleworth Mead Business Park, Padiham, BB12 7NG or by email to: customerservices@warrantywise.co.uk. 2 Secondly, if You are still not completely satisfied You can write to the Lloyd’s Syndicate Underwriter at: Complaints Department, Jubilee Managing Agency, Fourth Floor, 50 Fenchurch Street, London, EC3M 3JY. 3 Then, if, for any reason Your complaint has not been addressed to Your complete satisfaction You can write to: Policyholder and Market Assistance, Lloyd’s Market Services, Lloyd’s of London, One Lime Street, London EC3M 7HA. 4 Lastly, should You still remain dissatisfied You have the right to ask the Financial Ombudsman Service to review Your complaint. The right to apply to the Ombudsman must be exercised within six months of the date of any previous decision. Please write to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. 5 At any time You can contact Quentin Willson via email at: quentinwillson@warrantywise.co.uk who will personally attend to Your query as soon as possible.

WHO REGULATES US

Warrantywise operate insurance services as a Coverholder at Lloyd’s of London and are authorised and regulated by the Financial Services Authority (FSA). Our FSA registered number is 300482. You can check the FSA Register at www.fsa.gov.uk/register or by telephoning the FSA on 0845 606 1234.

FINANCIAL SERVICES COMPENSATION SCHEME

You are protected under the Financial Services Compensation Scheme. If the Insurers become insolvent or are unable to meet their obligations, the scheme will cover 90% of any claim, without any upper limit.

YOUR DEMANDS AND NEEDS

In order to meet Your demands and needs We have made it possible for You to customise Your Policy. It is important that You read Our Information leaflet or booklet (supplied with Your quotation) or the details provided on Our website at: www.warrantywise.co.uk and read the Policy document and then make Your own choice of insurance together with any Policy Additions that You may require as a Vehicle owner who demands to ensure that Your Vehicle warranty needs are fully met, both now and in the foreseeable future in line with the period of cover available and extent of insurance available from Warrantywise.

TERMINOLOGY

Some words which start with capital letters may be ‘defined terms’ with specific meanings particular to this insurance. Please see the Definitions section within this Policy.