POLICY SUMMARY

The Policy is broken down into two separate Sections of cover – Warranty and Accidental Damage.

Warranty

Insured Event

Mechanical or electrical breakdown of your equipment whilst in the UK, the Channel Islands or the Isle of Man and elsewhere in the world (subject to prior notification) for up to 30 days in any one year of insurance.

Basis of Settlement

Insurers will pay in respect of the equipment:

1. less than 3 years old at their option the cost of repair to or replacement of the equipment in either case to a condition equivalent to or substantially the same as but not better or more extensive than its condition when new
2. more than 3 years old the cost of repair or replacement on the basis of indemnity.

The maximum amount payable will not exceed the sum insured, which, unless specially agreed, will be the purchase price .

Exclusions

A number of exclusions apply, the ones most specific to the equipment being as follows:

1. The policy excludes any breakdown incurred:

   1. during the manufacturer’s supplier’s or any other warranty or guarantee period
   2. in respect or as a result of any equipment or part thereof that is the subject of a manufacturer’s recall or modification
   3. whilst the equipment is used for commercial or other non-domestic purposes
   4. in respect or as a result of routine maintenance servicing cleaning overhaul or modification
   5. where no fault is found with the equipment.

2. The policy excludes breakdown as a result of:

   1. any means external to the equipment theft or attempted theft or any intentional act
   2. wear and tear corrosion rust contamination gradual deterioration defective workmanship or misuse
   3. strikes or industrial action
   4. disregard of the manufacturer’s operating or user maintenance instructions
   5. modification or servicing not in accordance with manufacturer’s instructions
   6. incorrect installation modification or maintenance of electricity supplies used to provide power to the equipment
   7. suspension or termination of any mains services due to any act failure or default by you or other persons
   8. gaining access to or working upon the equipment.

3. The policy shall not apply:

   1. if any part or component is no longer available or is out of manufacture
   2. in respect of plugs fuses springs batteries off board battery chargers light bulbs light covers paintwork trim cables filters attachments seat covers or any other consumables framework bodywork external accessories stair lift tracking or stair lift trailing cables
   3. for more than one repair to (or replacement of) any one part of the equipment

Accidental Damage

Insured Event

Loss or damage to the equipment by any accidental cause whilst within your private dwelling .

Basis of Settlement

Insurers will pay in respect of the equipment:

1. less than 3 years old at their option the cost of repair to or replacement of the equipment in either case to a condition equivalent to or substantially the same as but not better or more extensive than its condition when new
2. more than 3 years old the cost of repair or replacement on the basis of indemnity

The maximum amount payable will not exceed the sum insured, which, unless specially agreed, will be the purchase price.

Exclusions

A number of exclusions apply, the ones most specific to the equipment being as follows:

1. loss or damage due to manufacturing defect, wear and tear, gradual deterioration, corrosion, rust, contamination, electrical or mechanical breakdown, defective workmanship or misuse
2. any process of cleaning altering servicing or repairing
3. theft due to loss of the equipment by deception
4. damage resulting in staining of the equipment which cannot be removed by a professional cleaning contractor
5. burns or scorching caused by cigarettes cigars or tobacco pipes or lighted materials used in connection therewith
6. scratching or denting unless such damage affects the normal operation of the equipment
7. damage caused by animals

GENERAL

Notification of Claims

If you need to notify the insurer of a claim, or of any circumstances or incident that may cause a claim, you should contact us at:

Mark Bates Ltd
Premier House
Harlaxton Road
Grantham
NG31 7JX

Telephone: 01476 593887

You should immediately report to the police any incident involving theft, malicious damage, vandalism or loss of property.

The policy document provides full details of the action you should take in the event of a claim.

Language

The policy and associated documentation and all information relating to this insurance communicated to you shall be in the English language.

Law

There is a choice of law applicable to this insurance, but unless otherwise agreed between you and the insurer, English Law will apply.

Insurer

The insurer is Lloyd's syndicate 2001 managed by Amlin Underwriting Limited through its service company Amlin Insurance Services underwrites the insurance described herein.

Cancellation

If, on perusal, you decide that you do not wish to accept the policy, you may return it within 14 days of receipt and we will refund the premium.

Otherwise, you may cancel the policy at any time and the insurer will allow a refund of premium paid in accordance with its short period rates in force at the time of cancellation.

No refund of premium will be allowed if a claim has occurred during the insurance period.

We may cancel this insurance on behalf of the insurer by sending 14 days' notice to your last known address. We will work out the premium for the period we have been insuring you and refund any difference.

Compensation Scheme Rights

In the event that the insurer is unable to meet its legal obligations under this insurance, you may be entitled to apply for compensation under the Financial Services Compensation Scheme.

Complaints Procedure

It is always our intention to provide you with a first class standard of service. However, if you are unhappy in any way and wish to make a complaint, in the first instance please contact us at:

Mark Bates Ltd
Premier House
Harlaxton Road
Grantham
NG31 7JX

Should the matter not be resolved to your satisfaction, a more formalised complaints procedure will be found in the policy document, or on request.

Ultimately, if your enquiry or complaint cannot be resolved, the laid down procedure will refer you to the Financial Ombudsman Service.

Mark Bates Ltd and the insurer mentioned herein are authorised and regulated by the Financial Services Authority.