Summary about the section of your policy for Breakdown Insurance that is underwritten by QBE Insurance (Europe) Limited.
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, including a contribution towards the cost of hiring a replacement vehicle and/or overnight accommodation or rail fares as a result of such failure.
Where you have selected to have such cover as indicated on your ‘Demands and Needs’ statement, the Insurance can also include cover for:
a) Multimedia Pack Extension and/or
b) MoT Test Insurance
c) Roadside Assistance
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 Mechanical Breakdown Insurance, your vehicle must not:
a) be more than 10 years old (and must not have more than 100,000 miles on the odometer) on the date of purchase;
b) appear on the Excluded Vehicle list held by the selling Dealer
- The level of component cover will depend upon the age and mileage of the vehicle as follows:
a) Under seven years of age and less than 70,000 miles on the odometer. All mechanical or electrical components of the vehicle as defined in the Policy, otherwise referred to as ‘Gold’ cover. This level of cover includes the catalytic converter up to an odometer reading of 70,000 miles.
b) Under 10 years of age and less than 100,000 miles on the odometer. Specified mechanical and electrical components as defined in the Policy otherwise referred to as ‘Silver’ cover.
- 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
- Cover for the cost of overnight accommodation or rail fares is limited to such costs, excluding the cost of meals, drinks and services, up to an amount of £60, inclusive of VAT
- The Multimedia Pack can only be purchased in conjunction with the basic Mechanical or Electrical Failure insurance for the same i) period and ii) Policy terms, conditions and exclusions
- The MoT Test Insurance can be purchased either with the basic Mechanical or Electrical Failure insurance or on its own, provided the vehicle has more than 90 days remaining to the expiry date of the current MoT Test, or must be of an age where an MoT Test has not previously been required
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 will run from the Start Date to the End Date as shown in the Policy Schedule, until:
- 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 full Policy documentation. You are only entitled to cancel the complete Policy, i.e. you cannot cancel just one of the Sections.
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,
5 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 the 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.
In the event that you wish to cancel the Policy at any other time, you will not be entitled to receive any return premium.
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
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 first £2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claim will be met (100% if the insurance is legally compulsory).
Compensation is only available to commercial customers in limited circumstance. 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
