Summary about the section of your Policy for Ford Classic 4th and 5th Year Vehicle Mechanical and Electrical Breakdown Insurance that is underwritten by QBE Insurance (Europe) Limited (referred to in this document as ‘the Company’).
This document provides only a summary of cover, for full details of all your Policy benefits, terms, conditions and exclusions, you should read the 4th and 5th Year vehicle Mechanical and Electrical Breakdown Policy of Insurance, a copy of which will be provided immediately after your Policy is taken out or at any time on request. On receipt of your Policy of Insurance, you will have time to decide if you wish to cancel the Policy – see ‘Your Right of Cancellation’ below.
Significant features and benefits
This insurance is designed to pay for the cost of a Mechanical or Electrical Failure as defined in the Policy of Insurance, and can include a contribution towards the cost of hiring a replacement vehicle.
Significant and unusual exclusions or limitations
(see Policy document for full details)
Subject to the Policy terms, conditions and exclusions, the Insurance covers Mechanical or Electrical Failure in respect of Mechanical and Electrical components of your vehicle.
- To qualify for the 4th and 5th Year Vehicle Mechanical and Electrical Breakdown Insurance, your vehicle must be:
- a) One of the following Ford models: Ka, Fiesta, Fusion, Focus, C-MAX, Focus Coupé-Cabriolet, S-MAX, Mondeo and Galaxy
- b) Originally sold with a manufacturer’s warranty period of 36 months or 60,000 miles, whichever occurs first
- c) The date of first registration of the vehicle is no more than 12 months prior to the date you are purchasing the Policy and the odometer shall read no more than 20,000 miles at the time of your purchase of the Policy
- Cover includes Covered Components when they are replaced due to wear and tear, provided the vehicle’s odometer reading is less than 70,000 miles at the time of a claim
- The maximum amount payable under the Policy during the Period of Insurance shall be up to the purchase price of the vehicle as stated in the Policy Schedule
- To maintain cover under the Insurance, you must have the vehicle serviced in accordance with the manufacturer’s guidelines as set out in their handbook
- Cover for hiring a replacement vehicle is limited to an amount of £30 per day, inclusive of VAT, for up to seven days, commencing 24 hours after the acceptance of a valid claim by the Administrator
- Please read the full list of exclusions in the Policy of Insurance to ensure you are eligible for the Insurance
Duration of cover
The duration of cover shall be for the period of insurance as shown in the Policy Schedule, and will be for either
a) 12 months, or up to 80,000 miles from the date of first registration of the vehicle, whichever occurs first; or
b) 24 months, or up to 100,000 miles from the date of first registration of the vehicle, whichever occurs first;
this is in excess of the manufacturer’s warranty period of 36 months or 60,000 miles, whichever occurs first.
The insurance shall cease when:
- You sell or transfer the vehicle; or
- You do not keep up the monthly premium payments; or
- You have received the maximum amount payable under the Policy of Insurance; or
- The vehicle is repossessed
IMPORTANT INFORMATION
Your right of cancellation (See Policy document for full details)
You have a statutory right to cancel the Policy within 14 days, starting on the later of the date you enter into the contract, or, if different, the date you receive the Policy documentation.
To cancel the Policy, please contact the Ford Dealer from whom you purchased the vehicle or, alternatively, write to the Administrator at the following address:
Ford Protect Administration,
Eagle Way,
Brentwood,
Essex CM13 3BW
Tel: 0870 2416726
Fax: 01277 252261
On receipt of your notice of cancellation, you will be entitled to the following refund in respect of the premium you paid for this Policy of Insurance:
i. a full refund of premium in the event that you have not made a claim under the Policy;
ii. a refund of the difference, less an Administration Charge of £35 inclusive of VAT, where the premium is in excess of any claim(s) that has been paid;
iii. no refund where the claim(s) exceeds the premium.
In addition to Your statutory right You may cancel the entire policy at any time by letter. Upon receipt of Your notice of cancellation:
i. providing no claim has been made for the period for which insurance cover was provided and providing You have paid the premium, You will be entitled to a pro rata refund of premium less an administration charge of £35 inclusive of VAT;
ii. no refund will be allowed if You have claimed under the policy.
Queries and claims procedure
(see Policy document for full details)
In the event that you have reason to claim, you should take the vehicle to your supplying dealer or an Authorised Repairer. Full details of how to make a claim are included in the Policy.
The Administrator for the insurance is:
Ford Protect Administration,
Eagle Way,
Brentwood,
Essex CM13 3BW
Tel: 0870 2416726
Fax: 01277 252261
to whom you should address any queries in respect of the insurance.
Complaints procedure
QBE aims to give its customers a high standard of service at all times. Where you are unhappy for any reason with the service provided, or have cause for complaint, you should initially contact:
Product Protection Customer Satisfaction Manager,
QBE Insurance (Europe) Limited,
Plantation Place,
30 Fenchurch Street,
London EC3M 3BD
Tel: 0207 105 4000
Fax: 0207 105 4021
The Product Protection Customer Satisfaction Manager will advise you what will be done to resolve your concerns and how long it will take. In the unlikely event that you are still dissatisfied and wish to make a complaint in respect of your Policy of Insurance, please write to the Company as follows:
The Managing Director, QBE Insurance (Europe) Limited,
Plantation Place,
30 Fenchurch Street,
London EC3M 3BD
Tel: 0207 105 4000
Fax: 0207 105 4021
Registered in England No. 1761561
In the event the Company cannot resolve the matter to your satisfaction, we will provide you with our final response so that you can, if you wish, refer the matter to the Financial Ombudsman Service at the following address:
Insurance Division, The Financial Ombudsman Service,
South Quay Plaza 2,
183 Marsh Wall,
Docklands,
London E14 9SR
A complaint to the Financial Ombudsman Service does not affect your right to take legal proceedings.
Compensation
QBE Insurance (Europe) Limited is covered under the Financial Services Compensation Scheme. This provides compensation in case any of its members are unable, in specified circumstances, to meet any valid claims under their Policies.The maximum level of compensation for claims against firms declared in default on or after 1 January 2010 is 90% of the claim with no upper limit. Compensation is only available to commercial customers in limited circumstances. Further information can be obtained from the Company at the address above, or from the Financial Services Compensation Scheme at the following address:
Financial Services Compensation Scheme,
7th Floor, Lloyds Chambers,
1 Portsoken Street,
London E1 8BN
Tel: 0207 892 7300
Directive Required Information
QBE Insurance (Europe) Limited is a private company limited by shares and is authorised and regulated by the Financial Services Authority (FSA) as an insurance company and, with effect from 14 January 2005, to undertake insurance mediation, under Registration Number 202842.
You can check this on the FSA’s Register by visiting the FSA’s website
www.fsa.gov.uk/register or by contacting the FSA on
0845 606 1234.
In the event of a complaint, please refer to the above procedure.
The law and language applicable to the Policy
The law of England and Wales will apply to this contract unless:
1. You and the Company agree otherwise, or
2. At the commencement of this insurance, you are a resident of (or in case of a business, the registered office or principal place of business is situated in) Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case the law of that country will apply unless you and the Company agree otherwise.
The language used in the Policy and any communications relating to it will be English.
Company Head Office
The Company’s Home State is the United Kingdom and the Policy is underwritten from its London premises located at the address below.
The Company’s Head Office and registered address is:
QBE Insurance (Europe) Limited,
Plantation Place,
30 Fenchurch Street,
London EC3M 3BD
Tel: 0207 105 4000
Fax: 0207 105 4021
Registered in England No. 1761561
