Motorpoint 3 month warranty terms and conditions


These terms and conditions together with the Policy Schedule sets out Your insurance cover. Please note the following:

  • This is a contract of insurance (“Policy”) between You, the purchaser named on the Policy Schedule, and Us, Fortegra Europe Insurance Company SE. Your Statement of Demands and Needs, which includes the signed declaration and the undertaking to pay the premium, forms the basis of the Policy.
  • The Administrator (Premia Solutions Limited) and Us do not provide advice or a personal recommendation about the suitability of this Policy. It is Your responsibility to ensure the Policy meets Your
  • Please check that the information contained in the Policy Schedule is correct and that it meets Your If it doesn’t, please contact the Supplying Dealer or the Administrator.
  • Please read these terms and conditions carefully, in conjunction with the Policy Schedule and Statement of Demands and Needs, and make sure You understand and fully comply with them, as failure to do so may jeopardise the payment of any claim which might arise and could lead to the Policy becoming void.
  • Please note that as in Section 13 - MISINFORMATION, You have an obligation to provide Us with any facts which may be relevant to this insurance.
  • Fortegra Financial Corporation (“Fortegra US”), a company organised under the laws of the State of Delaware, registration number 4885848 with its main principal office located at 10751 Deerwood Park Blvd., Suite 200, Jacksonville, FL 32256, holds more than 10% of the voting rights and capital of Us, the Administrator and the Claims Handler by virtue of the common shareholding of Fortegra US.
  • Words that have special meanings are in bold and the definitions can be found in Section 2 - DEFINITIONS.
  • For ease of managing Your Policy, please create a ‘MyPremia’ account with the Administrator by logging onto and clicking ‘Register Account’. Your ‘MyPremia’ account will allow You to access Your Policy documents, update personal details, submit and manage a claim, submit a complaint, and cancel Your Policy.


Administrator: Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.

Premia Solutions Limited are an insurance intermediary who are authorised and regulated by the Financial Conduct Authority under registration number 310089.

Details of the extent of Premia Solutions Limited’s regulation by the Financial Conduct Authority are available from Premia Solutions Limited on request. Registration details can be checked on the United Kingdom’s Financial Conduct Authority’s Financial Services Register.

Approved Repairer: The repairer appointed by the Administrator or the Claims Handler to complete repairs Your Vehicle.

Claims Handler: Defend Insurance Holding s.r.o., having its registered address at: Roztylská 1860/1, Praha 4 - Chodov, 14800 Czech Republic.

Telephone: 0161 451 4812

Customer Services email:

Family Member: Your spouse or civil partner, or a parent, grandparent, child, grandchild, brother, or sister.

Incident Date: The date of the incident where damage has occurred to the Vehicle, Keys or Lock.

Key/Keys: The keys to Your Vehicle and the keys to the main entrance of Your Property.

Lock/Locks: The locks which relate to the Keys covered under this Policy.

Mechanical Breakdown: The failure of a mechanical or electrical component, causing a sudden stoppage of its function, for a reason other than deterioration or negligence. Damage caused by the effect of overheating or abuse is not regarded as a Mechanical Breakdown under the terms of the Policy

Motor Insurance Policy: An insurance policy issued to cover Your private car, which is owned and registered to You.

Policy Schedule: The schedule provided to You when You purchased this Policy, which contains Your personal details, details of the Vehicle, the Policy term.

Property: Your fixed address as detailed on Your Policy Schedule.

Statement of Demands and Needs: Any statement of demands and needs and declaration accepted by You together with any additional information You may have supplied Us in support of Your application for this Policy.

Supplying Dealer: The dealership that the Vehicle was purchased from.

Territorial Limits: The United Kingdom, Ireland, Isle of Man and the Channel Islands. Territorial limits will include the countries of the European Economic Area for a period of up to sixty (60) days for any one single trip.

Vehicle: The vehicle purchased by You which meets the eligibility criteria set out in this Policy.

We/Us/Our: Fortegra Europe Insurance Company SE UK Branch, a branch of Fortegra Europe Insurance Company SE (Financial Conduct Authority registration number 805770).

Fortegra Europe Insurance Company SE has its registered office and principal place of business at Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (Malta Company registration number SE 17), is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business of insurance, and is regulated by the Malta Financial Services Authority of Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta.

Together with its UK Branch, Fortegra Europe Insurance Company SE is authorised by the Prudential Regulation Authority, is subject to regulation by the Financial Conduct Authority, and limited regulation by the Prudential Regulation Authority.

Fortegra Europe Insurance Company SE has a registered branch in the UK with its registered address at Fifth Floor, 20 Fenchurch Street, London, United Kingdom, EC3M 3BY (UK Branch registration number BR021916).

Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Annual reports on our solvency and financial position can be found at

You/Your: Any individual who is detailed on the Policy Schedule and who has applied for this Policy and has agreed to pay the premium under this Policy.


You are eligible for cover from the start date of this Policy if:

  • You are applying as an individual; and
  • You are eighteen (18) years of age or over; and
  • You are resident in the United Kingdom, Channel Islands or the Isle of Man; and
  • You hold a current valid UK driving licence; and
  • You are named as the Policyholder under a Motor Insurance Policy.

The Vehicle is eligible for this cover if:

  • It is a private Vehicle registered in the United Kingdom, Channel Islands or the Isle of Man; and
  • It has been purchased from the Supplying Dealer and has not been modified from the manufacturer’s original specification; and
  • It is not older than eight (8) years at the start of this Policy.

Please Note: The following vehicles and vehicle uses are NOT eligible for cover:

  • Any vehicle that is not a right-hand drive vehicle; and
  • Emergency vehicles, commercial vehicles, taxis, courier vehicles, buses, minibuses, coaches, trucks, motor homes, trailers, heavy goods vehicles, licensed private hire vehicles, daily rental vehicles, breakdown and recovery vehicles; and
  • Vehicles used for hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.


This Policy is for the chosen term, up to a maximum of three (3) months and is not renewable, as detailed on the Policy Schedule. The Policy will end at the earliest of any of the below:

  • You failing to pay Your premium when due; or
  • You or the Vehicle no longer meeting the eligibility criteria for Your Policy; or
  • The Vehicle being sold or transferred to a new owner, other than under Section 10 - Transferring Your Policy; or
  • The value of claims settled by Us having reached the limit, as defined in Section 5WHAT IS COVERED; or
  • The Policy being cancelled by either You or Us; or
  • The end date of the Policy as detailed on the Policy Schedule
  • The benefit of Key Cover and Breakdown Cover will commence from the Vehicle delivery date as detailed on the Policy Schedule and will expire on the end date of this Policy as detailed on Your Policy Schedule


Please see Your Proposal Form for details of the maximum amounts that may be paid for each and any claim. These may be subject to lower limits as stated on these pages. All limits include VAT.


Benefit Limit

Mechanical Breakdown Insurance


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.


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.


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.


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.


  • 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.


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



Step 1


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


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

Step 3


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


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


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



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



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.

Points to note about the claims process:

  • The Claims Handler will appoint an Approved Repairer where possible, who will be responsible for completing the necessary work in the event of a successful claim.
  • Diagnostic costs, We will pay up to a maximum of one (1) hour at the maximum hourly labour rate towards an accepted claim.
  • We or the Claims Handler reserve the right to subject the Keys, Locks or Vehicle to an independent assessment.
  • We, the Administrator, the Claims Handler and the Supplying Dealer may obtain and share information concerning any claim You may make against this Policy with any Approved Repairer, for the purposes of administering Your Policy and claim.


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.


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.


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.


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.


The extra benefits listed below will be provided subject to the limits specified in the Proposal / Policy Schedule if any of the parts covered under the Policy fail.

Vehicle Replacement

The Claims Handler will pay up to £30 a day including VAT, for up to a maximum of seven (7) days, towards the cost of a replacement vehicle. You can only have a replacement vehicle if the Vehicle is being repaired under the Policy and prior authority has been given by the Claims Handler.


  • We will not provide a replacement vehicle for the first 24 hours that You are without the Vehicle or during any delay the Approved Repairer may have waiting for parts or commencing repairs.
  • We will not cover the costs of or fuel or insurance for the replacement vehicle.
  • We will not cover any motoring fines and congestion charges that You may incur.


This Policy cannot be transferred to another vehicle or to any subsequent owner of the Vehicle except where ownership of the Vehicle is transferred to a Family Member. Cover may be transferred to that Family Member by contacting the Administrator within ninety (90) days of change of ownership, so long as that Family Member meets the eligibility criteria in Section 3 - ELIGIBILITY.


You may cancel the Policy with the Supplying Dealer within thirty (30) days of the delivery date of Your Vehicle without financial penalty provided no claim has been submitted. Thereafter both parties must give thirty (30) days’ notice of cancellation. The Policy has no surrender value and no premium paid will be refunded after thirty (30) days of the delivery date of Your Vehicle.


If You wish to make a complaint about the conduct of the sale of this Policy, including any information provided as part of the sale, please contact the Supplying Dealer.

The Administrator handles all other complaints relating to this Policy on Our behalf. If You wish to make a complaint, please do so:

  • by visiting; or
  • by telephone on 01926 622 660; or
  • by writing to the Customer Outcome Manager, Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.

The Administrator will acknowledge Your complaint promptly and will aim to resolve it within eight (8) weeks from first notification.

If the Administrator cannot resolve Your complaint within this period, they will notify You in writing to confirm the reasons why. In this case, or if Your complaint is not resolved to Your satisfaction, the Administrator will advise You of Your rights to refer Your complaint to The Financial Ombudsman Service, free of charge:

  • by submitting Your complaint online – please see; or
  • by email at; or
  • by telephone on 0207 964 1000; or
  • by writing to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, Isle of Dogs, London, E14 9SR UK.

IMPORTANT: The Financial Ombudsman Service will expect You to have followed the above procedure before they accept Your case.

Following this complaints procedure does not affect Your legal rights.


When applying for insurance, varying Your cover, or submitting a claim, You or anyone acting on Your behalf must take reasonable care to answer all questions honestly and to the best of Your knowledge. Failure to do so may affect the validity of Your Policy or the payment of Your claim.


We shall not provide any benefit under this Policy 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.


Except where otherwise required by law, You and We have agreed that:

  • it is not intended for any third party to this Policy to have the right to enforce the terms of this Policy; and
  • You and We can rescind or vary the terms of this Policy without the consent of any third party to this Policy who might seek to assert that they have rights under this Policy.


This Policy shall be subject to the law of England and Wales, unless We and You agree otherwise.


You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) in the UK if, in the unlikely event, Fortegra Europe Insurance Company SE cannot meet its liabilities under this Policy. The level and extent of compensation provided will depend on the location of the risk, the type of insurance and on the circumstances of the claim.

Further information about the Financial Services Compensation Scheme is available from the FSCS website . The FSCS can be contacted:

  • online by completing the form on the FSCS website; or
  • by calling 0800 678 1100; or
  • by writing to Financial Services Compensation Scheme, PO Box 300, Mitcheldean, GL17 1DY; or
  • by live chat via the FSCS website


Data Protection

Fortegra Europe Insurance Company SE (the Data Controller) is committed to protecting and respecting Your privacy in accordance with the current Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which We process Your personal data.

How We Use Your Personal Data

We may use the personal data We hold about You for the purposes of performing Your contract of insurance, this includes providing insurance that You request of Us and administering the same; including handling claims and any other related purposes, underwriting (which may include underwriting decisions made via automated means), offering renewal terms, pricing or statistical purposes. We may collect and use special categories of data from You for the purpose of identifying vulnerable customer based on substantial public interest under Schedule 1(20) of the Data Protection Act 2018. We may also use Your data to safeguard against fraud and money laundering and to meet Our general legal and regulatory obligations.

Disclosure of Your Personal Data

We may disclose Your personal data to third parties involved in providing products or services to Us, or to service providers who perform services on Our behalf. These include Our group companies, affinity partners, brokers, agents, third party administrators, other insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.

International Transfers of Data

We may transfer Your personal data to destinations outside of the UK or the European Economic Area (“EEA”). Where We transfer Your personal data outside of the UK or EEA, We will ensure that it is treated securely and in accordance with the Legislation.

Your Rights

You have the right to ask Us not to process Your data for marketing purposes, to see a copy of the personal information We hold about You, to have Your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to restrict the processing of Your data, to ask Us to provide a copy of Your data to any controller and to lodge a complaint with the local data protection authority.


Your data will not be retained for longer than is necessary and will be managed in accordance with Our data retention policy. In most cases the retention period will be for a period of seven (7) years following the expiration of the Policy, or Our business relationship with You, unless We are required to retain the data for a longer period due to business, legal or regulatory requirements.

If You require more information or have any questions concerning Our use of Your personal data, Our full Privacy Policy can be found at Alternatively, please contact The Data Protection Officer, Fortegra Europe Insurance Company SE, Office 13, SOHO Office The Strand, Fawwara Building, Triq l-Imsida, Gzira, GZR 1401, Malta or via email at

Last updated 01/11/2023