Motorpoint 3 month warranty terms and conditions

Cover

Benefit Limit

Mechanical Breakdown Insurance

PARTS COVERED

There is no restriction to the number of claims You can make. This Policy covers all mechanical and electrical parts (including labour to fit them), of the insured Vehicle against Mechanical Breakdown and including the below.

Oil seals

Crankshaft front seal, camshaft oil seal, auxiliary shaft oil seal, gearbox rear seal, drive shaft(s) seals and differential pinion seals and where an engine or gearbox repair requires oil seals or gaskets.

Casings

If any of the covered parts fail and this damages the casings, they will also be covered.

Working materials

Oils, oil filter and anti-freeze are covered only if it is essential to replace them because of the failure of a part which is covered under this Policy.

Air Conditioning System

In the event of a valid claim, the maximum contribution towards air-conditioning system re-gas is £45 including VAT.

Excluding:

Burnt valves and any skimming/pressure testing. Body, paint, glass, interior/exterior trim, key fobs and key cards, in-car entertainment/ communication systems and connected equipment including satellite navigation, catalytic converters and diesel particulate filters, wheels, airbag and system, electrical wiring, wiring looms, hoses, pipes, cables, brake seizure and corrosion.

Service items and other components subject to routine maintenance or periodic repair or replacement such as plugs, HT leads, brake frictional material, clutch facings, wiper blades/rubbers, auxiliary belts, light bulbs/units, tyres, batteries, exhaust systems [this is not a complete list].

Unlimited claims during the Policy term. The total amount We will pay for claims during the Policy term will be a maximum of the Purchase Price of the Vehicle.

Cover

Benefit Limit

Key Cover

1. Loss Cover – the reasonable cost of replacing the Keys in the event they have been accidentally lost by You. If no Key can be cut or obtained, the reasonable cost of replacing the Lock will be covered.

2. Theft Cover – the reasonable cost of replacing the Keys in the event they have been stolen from You. If no Keys can be cut or obtained, the reasonable cost of replacing the Lock will be covered.

3. Vehicle Entry Cover - if a duplicate Key is not readily available, a contribution of up to £50 including VAT towards the cost of gaining entry to the Vehicle in the event the Keys have been locked inside the Vehicle or accidentally broken in the Lock by You.

Note:

• In the event of Loss or Theft of Your Key(s), You must notify the police within 48 hours of discovery and obtain a crime reference number.
• In the event of Loss or Theft of Your Key(s), You must notify Motorpoint Key Cover within 48 hours of discovery.

Maximum of £500 including VAT per claim.

Cover

Breakdown Cover

Benefit Limit

Roadside Recovery

If the Vehicle suffers a Breakdown, this includes running out of fuel, help will be sent to the scene of the Breakdown and We will pay call out fees and mileage charges needed to repair or assist with the Vehicle. If, in the opinion of the Recovery Operator (Call Assist), they are unable to repair the Vehicle at the roadside the Recovery Controller will assist in the following way:

• Arrange for the Vehicle, You and up to five (5) passengers to be recovered to the nearest garage able to undertake the repair, or;
• If the above is not possible at the time of the Breakdown they will arrange for the Vehicle, You and up to five (5) passengers to be transported to Your home address or original destination.

Home Assist

A Recovery Operator will be dispatched to Your home address or within a one (1) mile radius. Attempts will be made to repair Your Vehicle on the spot. If a repair is not possible, they will transport Your Vehicle to the nearest repairing garage.

Emergency Overnight Accommodation*

If Call Assist decide on alternative accommodation, We will pay a maximum of £25 per person for one night for You and up to five (5) passengers.

*These services will be offered on a pay/claim basis, which means that You must pay initially, and Call Assist will send You a claim form for reimbursement, which will be dealt with by the Control Centre within a short period of time. Before arranging these services, authorisation must be obtained from the Rescue Controller.

Caravans and Trailers

If the Vehicle suffers a Breakdown and Your caravan/trailer is attached, providing it is fitted with a standard towing hitch and does not exceed 7.0104 meters (23 feet) in length, Your caravan/ trailer will be recovered with the Vehicle at no extra cost.

Motorpoint Breakdown Cover is administered by Call Assist. Should You wish to contact them, please send Your correspondence to their head office: Motorpoint Breakdown Cover, c/o Call Assist, Axis Court, North Station Road, Colchester, Essex, CO1 1UX

Up to 6 call outs.

Transferrable cover

You may transfer Your Policy subject to the conditions in Section 10 -Transferring Your Policy where a Family Member takes ownership of the Vehicle.

What You are not covered for Mechanical Breakdown Insurance

1. We will not accept liability for any claim which is reported to the Claims Handler within seven (7) days of the Vehicle delivery date shown on Your Policy Schedule.
2. We will not accept liability for any claim which is reported to the Claims Handler more than fourteen (14) days after the relevant fault is discovered.
3. We will not accept liability for any claim where the repair has not commenced within fourteen (14) days of the relevant fault being reported to the Claims Handler.
4. The Policy does not apply to: vehicles used for hire or reward (for example taxis, self-drive hire or driving schools), vehicles used for any kind of timed competition or race; or non-standard customised or modified vehicles.
5. We will not accept any liability for damage caused by: Neglect, corrosion, any foreign matter, getting into or onto a part; lack of servicing, the effects of over-heating, whether caused by an insured part or not; freezing, abuse, damage to parts not covered by this Policy or damage to parts We cover caused by parts not covered by the Policy.

We will not accept liability for:

• The effects of poor repairs, faults or defects at the time of the sale.
• Parts which have been fitted incorrectly.
• Parts which are of faulty manufacture or design or
• Parts not fitted as standard or optional extra by the manufacturer, unless cover for such items is agreed beforehand.

The Policy excludes any damage caused by fire, accident or any road hazard whether or not insured under any motor insurance or accidental damage policy. It does not provide cover for other people or physical injury. We will not accept liability for damage caused by war risks, sonic booms or nuclear radiation.

What You are not covered for Key:

1. Any claim where the Incident Date is before the Policy start date.
2. Any claim which is not reported within thirty (30) days of the Incident Date.
3. The cost of any routine maintenance or adjustments or where Keys or Locks don’t function or have failed for any reason.
4. Any claim relating to damage to Locks caused by attempted theft or malicious damage.
5. Any claim directly or indirectly caused as a result of the theft of the Keys by any person known to You who has reasonable access to the Keys, including but not limited to a Family Member.
6. The cost of repairing or replacing any Locks where they have been damaged by anyone other than You gaining entry to the Vehicle or Property.
7. Any claim relating to a road traffic accident or as a result of fire, theft or flood.
8. Any claim arising from manufacturing defects, inherent design faults or where the Keys or Locks are subject to recall or replacement by the manufacturer.
9. Any claim relating to damage caused by neglect or a deliberate, careless act or omission by You.
10. Any claim for loss or theft that is not accompanied by a crime reference number.
11. Any amount that exceeds the benefit level per claim or in total, as detailed in Section 5 – WHAT IS COVERED.
12. If during the Policy term the Vehicle is used for any of the excluded uses that appear in Section 3 - ELIGIBILITY.
13. For any consequential loss, injury or damage.

What You are not covered for Breakdown Cover:

1. Assistance due to an accident, fire, theft or vandalism or other incident normally covered by a Motor Insurance Policy. Assistance can be arranged if You agree to pay for the service provided. (You may be able to recover these costs under the terms of Your Motor Insurance Policy).
2. Any caravan/trailer being towed where the total length exceeds 7.0104 metres (23 feet) and where it is not attached to the Vehicle with a standard towing hitch.
3. Vehicles not registered as having Motorpoint Breakdown Cover.
4. The cost of any parts, components or materials used to repair the Vehicle.
5. Any costs or expenses not authorised by the Rescue Controller.
6. The cost of food, drinks, telephone calls or other incidentals.
7. The cost of alternative transport other than to Your destination or home address.
8. The recovery of the Vehicle and passengers if repairs can be carried out at or near the scene of the Breakdown within a reasonable time. If recovery takes effect You are entitled to recovery to only one address in respect of any one Breakdown.
9. Emergency overnight accommodation if repairs can be carried out at or near the scene of the Breakdown within an agreed time.
10. Breakdowns caused by failure to maintain the Vehicle in a roadworthy condition including maintenance or proper levels of oil and water. If, in the opinion of the Recovery Operator the Vehicle has not been maintained in a roadworthy condition, We can terminate Your Policy immediately, We will notify You by letter as to what action We have taken.
11. Any request where service cannot be effected because the Vehicle does not carry a serviceable spare wheel and locking wheel nut and/or manufacturer approved emergency foam fill kit.
12. Any request for service if the Vehicle cannot be reached due to snow, mud, sand or flood or where the Vehicle is not accessible or cannot be transported safely and legally using a standard transporter.
13. Any request for service if the Vehicle is being used for commerce, commercial driving or tuition, hire or reward, (for example, taxis, self-drive hire or driving schools) delivery courier, or is over 3500kg GVM, or used in any sort of rally, speed testing, racing or any kind of competition or trial other than ‘Treasure Hunts’.
14. Overloading of the Vehicle or carrying more passengers than it is designed to carry.
15. Claims not notified prior to expenses being incurred.
16. The charges of any other company (including police recovery) other than a Recovery Operator appointed by Call Assist or emergency accommodation charges except those authorised by Call Assist.
17. Loss or damage to the Vehicle or its contents.
18. Direct or indirect loss, damage or liability caused by, contributed to or arising from:-

1. Ionising radiation or contamination by radioactivity from an irradiated nuclear fuel or from nuclear waste from the combustion of nuclear fuel.
2. The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof.
3. Any results of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power.
4. Any false or fraudulent claims.
5. Failure to comply with requests by Call Assist or the Recovery Operators concerning the assistance being provided.
6. Fines and penalties imposed by the police or Courts.
7. Any charges where You, having contacted the Rescue Controller, effect recovery or repairs by other means.
8. Ferry and Toll charges.
9. Any claims relating to non-standard, customised or modified Vehicles unless declared and agreed with Us prior to taking the insurance.
10. Any service or insurance cover where remedial action has not taken place following a previous Breakdown.
11. More than six (6) callouts.

Mechanical Breakdown Insurance

Stage

Explanation

Step 1

NOTIFY THE CLAIMS HANDLER WITHIN FOURTEEN (14) DAYS OF DISCOVERING THE FAULT

Telephone the Claims Handler at 0161 451 4812. The Claims Handler will make a note of Your claim and advise You of the location of Your nearest Approved Repairer.

IMPORTANT: In order for the Claims Handler to pay the Approved Repairer directly, You (not the Approved Repairer) must notify the Claims Handler of Your claim. This must be done before You give permission to a repairer to carry out any fault finding or remedial work. Notification from a repairer of a possible claim will not be accepted by the Claims Handler.

Step 2

CONTACT THE REPAIRER

Book Your Vehicle in with the Approved Repairer and give Your permission to carry out any fault finding/diagnosis or dismantling necessary.

Step 3

REPAIRER OBTAINS AUTHORITY

Once Your Vehicle, Policy Schedule and service records have been handed to the Approved Repairer they will contact the Claims Handler to request approval for repairs.

Step 4

AUTHORITY FOR CLAIM VALUE

If Your claim is accepted, a Claims Authority Number will be issued to the Approved Repairer for the amount that will be paid under this Policy.

You are responsible for paying any amount the Approved Repairer charges over and above the authorised amount.

Step 5

PAYMENT OF THE CLAIM

On completion of the repairs, the Approved Repairer must submit an invoice directly to the Claims Handler . The invoice must clearly show the Claims Authority Number given, details of who the Claims Handler should pay and contain full details of the repairs, including details of all part(s) used, labour and VAT. The Claims Authority Number will only be effective for ninety (90) days from the date it was issued and no payments will be made in respect of the Claims Authority Number after the expiry of the ninety (90) day period.

Claims Conditions

• The Claims Handler cannot agree to any claim without providing a Claims Authority Number. The repairer must not start any repairs without this number. Please quote Your Claims Authority Number each time You contact the Claims Handler about Your claim and make sure the Approved Repairer includes this number on their invoice.
• If when making a claim You do not follow the correct procedure, We will not be able to pay Your claim in this instance.
• No liability shall exist in respect of parts supplied, repairs carried out or any other claim under the Policy other than claims made in accordance with the procedures set out in these terms and conditions and for which specific authorisation is given by the Claims Handler .
• We reserve the right to provide replacement parts and to carry out repairs under the Policy or to arrange for their provision by other persons.
• The Claims Handler may insist that Your Approved Repairer uses exchanged or reconditioned parts to affect a repair.
• The amount of time allowed for labour will be in line with the manufacturer’s/Glass’s Guide standard repair times. The cost of diagnosis or testing will be limited to a maximum of one (1) hour at the maximum hourly labour rate towards an accepted claim.
• We and the Claims Handler reserve the right to examine the Vehicle, to subject it to expert independent assessment and to name the repairer to be used. The Claims Handler will use the results of any expert independent assessment to determine the amount to be paid in respect of a claim. This will be subject to the claimable limits and the terms and conditions of the Policy.
• We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.

Key Cover

Stage

Explanation

Step 1

All lost and stolen Keys must be reported to Motorpoint Key Cover and the police within forty-eight (48) hours of the discovery of their loss or theft and any crime reference numbers retained.

Check the circumstances are covered by the Policy, then telephone Motorpoint Key Cover immediately stating the Policy Number if possible, on:

01603 369790

Motorpoint Key Cover will help arrange assistance from a qualified local locksmith and help You find alternative transport if required.

Breakdown Cover

Stage

Explanation

Step 1

If the Vehicle breaks down please call the 24 hour Control Centre on:

01206 812 763 (UK only)

(This telephone number is strictly for rescue purposes only) The Rescue Controller will assist You professionally, sympathetically and deal with Your request quickly.

Step 2

Please have the following information ready to give to the Rescue Controller, who will use this to validate Your Policy. Tell them:

1. You are a Motorpoint customer
2. Your return telephone number with area code
3. Your Policy type and number and the Vehicle registration
4. The precise location of the Vehicle (or as accurately as You are able in the circumstances)
5. What seems to be the problem (for example, if You have a puncture tell the Rescue Controller Your tyre size).

The Rescue Controller will take Your details and ask You to remain by the telephone You are calling from. Once arrangements have been made they will telephone to advise who will be coming out to You and how long they are expected to take. You will then be asked to return to the Vehicle.

Please remember to guard Your safety at all times but remain with or nearby the Vehicle until the Recovery Operator arrives. Once the Operator arrives at the scene please be guided by his/her safety advice. If the police are present please advise them that You have contacted Your recovery service or give them the telephone number to call on Your behalf.

Applies to Mechanical Breakdown Insurance, Key Cover and Breakdown Cover

You must comply with the following conditions to have the full protection of the Policy. If You do not comply with them We may at Our option cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment.

Duty of Care

You must not continue to drive the Vehicle after any damage or incident if this could cause further damage to the Vehicle.

Fraud

You must not act in a fraudulent manner. If You, or anyone acting for You, make a claim under the Policy knowing the claim to be false, or fraudulently exaggerated in any respect; or make a statement in support of a claim, knowing the statement to be false in any respect; or submit a document in support of a claim, knowing the document to be forged or false in any respect; or make a claim in respect of any loss or damage caused by Your willful act, or with Your connivance, then:

• We shall not pay the claim;
• We shall not pay any other claim which has been made or will be made under the Policy;
• We may at Our option declare the Policy void;
• We shall be entitled to recover from You the amount of any claim already paid under the Policy;
• We shall not make any return of premium; and
• We may inform the Police of the circumstances.

Servicing

The Vehicle must be serviced in line with the manufacturer’s recommended guidelines. If the Vehicle has no service history, or the service history is incomplete, the Vehicle must be serviced by a VAT-registered garage within twelve (12) months or 12,000 miles (whichever is sooner) from the date You bought the Vehicle. It must then be serviced in line with the manufacturer’s specifications, or every twelve (12) months or 12,000 miles (whichever is the sooner). The servicing must include the following;

• Changing the engine oil and filter;
• Checking oil levels in the gearbox and differential, and topping them up if necessary;
• Checking the coolant level and the strength of the antifreeze or inhibitor, and topping up if necessary;
• Checking the timing belt (if one is fitted) and renewing it if necessary;
• Replacing the brake fluid in line with the manufacturer’s recommendation.

The interval between services must not go over the set time or mileage by more than thirty (30) days or 1,000 miles. If any circumstances prevent the service from being carried out on time, You must immediately send to the Administrator written notice of this by ‘Signed for’ mail.

You must keep proof of each service as We may need to check it if You make a claim.

The only acceptable proof of servicing will be the fully detailed VAT service invoice, showing the date of the service and the mileage. You must keep all these invoices.

If You do not provide satisfactory proof of servicing, Your Vehicle will not be covered.

Warning

Timing belts [otherwise known as camshaft drive belts]. If Your Vehicle has a timing belt, please make sure that it is in good condition and that it is checked and changed in line with the manufacturer’s recommendations. If the timing belt breaks it can cause serious and unnecessary engine damage and inconvenience. No responsibility will be accepted for damage caused by the failure of a worn-out timing belt.

1] To claim for Key and Lock replacement five (5) days must be allowed after registering the loss of Your Keys with the Claims Handler. If the Keys are not found in this period a claim can be made for up to £500 including VAT. If the Keys are found within the five (5) days no claim can be made for Key or Lock replacement. In the situation of Keys being stolen then immediate authorisation for Lock and Key replacement will be given. The claim will be paid on receipt of a police report sheet and appropriate bills, up to the maximum limits.

2] All receipts for Key and Lock replacement and call-outs must be forwarded to the Claims Handler.

3] If Key(s) are not lost or stolen then no claim will apply.

4] In the event of Breakdown, the driver of the Vehicle must remain with or nearby the Vehicle until help arrives.

5] In the event of Breakdown, We will not be held liable for any costs incurred if You are unable to make a connection to the contact telephone number provided.

6] In the event of Breakdown, We reserve the right to charge You for any costs incurred as a result of incorrect location details being provided.

7] The maximum benefit payable by Us is detailed in Section 5 – WHAT IS COVERED and on the Policy Schedule .

8] If You are covered by any other insurance or warranty for the same or similar benefit(s) provided under this Policy, then We will only be responsible for paying a fair proportion of any benefit which We would otherwise be due to pay.

9] You will be responsible for payment of any repair work completed by the Approved Repairer that falls outside of the scope of this Policy.

10] This Policy shall not acquire a surrender value.

11] It shall not be possible for You to assign or change the benefits of this Policy in any way whatsoever, other than as specified in Section 10 - Transferring Your Policy.

12] We have the right to take proceedings in Your name, in order to recover for Our benefit, the amount of any payment made under this Policy.

13] You must notify the Administrator as soon as possible if any of Your details change during the Policy term.