Subaru ETC, Aftercare for people that live life

 

Subaru ETC. programme applies to all new Subaru UK supplied vehicles registered from 1st February 2012 purchased within the UK and supplied by an authorised Subaru UK Dealer. The Subaru ETC programme is valid for a period of three years from the date of first registration or when vehicle is first put into use (whichever is sooner). The Subaru ETC programme is not transferable between vehicles but can be transferred to subsequent registered keepers. The Subaru ETC programme applies to retail sales only and excludes Fleet Sales and sales for Taxi and/or Private Hire purposes. The Subaru ETC programme applies to Subaru vehicles registered in the UK only (vehicles subsequently registered outside of the UK will not be covered). Programme benefits apply only to the vehicle to which the Subaru ETC package has been applied and cannot be transferred to any other vehicle. With all of the services provided, the contractual relationship is between the customer and their Subaru dealer. All services provided by the Subaru Dealer are the responsibility of that Subaru Dealer, Subaru UK cannot be held responsible for any services provided by a Subaru Dealer. All services are subject to availability. A minimum 7 days notice applies to the booking of all services within the Subaru ETC programme (unless otherwise stated) which must be made by telephone to the dealership (bookings made within 7 days of the requested date cannot be guaranteed). A minimum 24 hour cancellation period applies to all services within the Subaru ETC programme unless otherwise stated. Full terms and conditions available at www.subaru.co.uk or from your local Subaru Dealer. No cash equivalent available. Customer has the right to cancel the policy within 14 days from date of commencement of policy.

General TERMS AND CONDITIONS

• Subaru ETC programme will be applied to all new Subaru vehicles registered on or after 1^st February 2012 and supplied for sale by Subaru UK Ltd to its Officially Authorised Subaru UK Dealer Network

• The Subaru ETC programme is valid for a period of three years from the date of first registration or when vehicle is first put into use

• The Subaru ETC programme is not transferable between vehicles but can be transferred to subsequent registered keepers

• The Subaru ETC programme applies to retail sales only and excludes Fleet Sales and sales for Taxi and/or Private Hire purposes

• The Subaru ETC programme applies to Subaru vehicles registered in the UK only (vehicles subsequently registered outside of the UK will not be covered)

• Programme benefits apply only to the vehicle to which the Subaru ETC package has been applied and cannot be transferred to any other vehicle

• With all of the services provided, the contractual relationship is between the customer and their Subaru dealer. All services provided by the Subaru Dealer are the responsibility of that Subaru Dealer, Subaru UK cannot be held responsible for any services provided by a Subaru Dealer

• All services are subject to availability

• A minimum 7 days notice applies to the booking of all services within the Subaru ETC Programme (unless otherwise stated) which must be made by telephone to the dealership (bookings made within 7 days of the requested date cannot be guaranteed)

• A minimum 24 hour cancellation period applies to all services within the Subaru ETC programme unless otherwise stated

• No cash equivalent available

• Customer has the right to cancel the policy within 14 days from date of commencement of policy

Service Collection and DeliverY

• Collection and delivery is restricted to locations within a radius of 25 miles from the Subaru Dealership

• If a Subaru Dealer cannot fulfil the original request, at least two alternative dates must be provided by the Subaru Dealer within 1,000 miles or 30 days from the date of the original request (whichever is sooner)

• A maximum two hour collection or delivery time window must be confirmed by the Subaru Dealer

• Any fuel required for the customer’s vehicle in order to fulfil the collection and delivery may be charged back to the customer

• It is the responsibility of the Dealer to provide adequate insurance cover for customer vehicles

• Customer vehicles must be signed for during collection and delivery and any damage highlighted and recorded

• Collection and Delivery applies to routine servicing of a Subaru vehicle only and cannot be used for any other purpose

Monthly Vehicle WASH and VACUUM

• If a Subaru Dealer cannot fulfil the original request, at least two alternative dates must be provided by the Subaru Dealer within 30 days from the date of the original request

• A minimum 24 hour cancellation period applies

• Includes exterior wash and interior vacuum (additional services may be available at extra cost and must be requested at time of booking)

• Vehicle must be delivered to a Subaru Dealership and collected by the customer following the Cleaning service

• A maximum of 11 vehicle cleans are available in any 12 month period (maximum 1 per calendar month) and 1 valet (see below)

Annual Vehicle Valet

• A minimum 14 days notice applies to all bookings, which must be made by telephone to the dealership (bookings made within 14 days of the requested date cannot be guaranteed). It is strongly advised that bookings are made as early as possible to avoid disappointment

• If a Subaru Dealer cannot fulfil the original request, at least two alternative dates must be provided by the Subaru Dealer within 60 days from the date of the original request

• A minimum 48 hour cancellation period applies

• A maximum of 1 vehicle valet is available in any 12 month period

• Includes:

  • Interior glass, plastics and mirrors cleaned and polished

  • Carpet and mats vacuumed and cleaned

  • Upholstery vacuumed and cleaned

  • Luggage area vacuumed and cleaned

  • Ashtrays and air vents cleaned

  • Headlining cleaned and interior deodorised

  • Door shuts cleaned

  • Exterior shampoo with bodywork polish and wax

  • Chamois drying

  • Exterior glass, plastics and mirrors cleaned and dressed

  • Wheels cleaned and polished

  • Wheel arches cleaned

  • Tyres cleaned and dressed

Four wheel alignment checK

• If a Subaru Dealer cannot fulfil the original request, at least two alternative dates must be provided by the Subaru Dealer within 30 days from the date of the original request

• Alignment check can also be carried out as part of routine servicing at no extra cost

• Any adjustments required as a result of the check may be charged for by the Subaru Dealer

• A maximum of one Four Wheel Alignment Check is available in any 12 month period

• Vehicle must be delivered to a Subaru Dealership and collected by the customer following the Check (unless booked as part of routine servicing)

Winter Wheel Storage

• Removal and refitting (and any balancing required) will be charged for by the Subaru Dealer

• If a Subaru Dealer cannot fulfil the original request, at least two alternative dates must be provided by the Subaru Dealer within 30 days from the date of the original request

• Tyres and wheels are available to purchase from Subaru Dealers

• Tyres can be fitted to existing alloy wheels for an additional charge or alternative wheels can be purchased from the Subaru Dealer

• A maximum of one removal and one refitting is available in any 12 month period (any additional removals or refittings will be charged for)

• In the event that the Subaru Dealer is unable to establish contact with you or you have failed to keep in contact with the dealer for a 24 month period the dealer has the right to dispose of any unclaimed wheels and/or tyres after that 24 month period

• Removal and refitting and storage services apply to a maximum of 5 wheels at any one time

MINOR DENT AND SCRATCH Repair

• Includes minor dents or damage to vehicle bodywork (maximum size restrictions apply)

• £3,000 maximum claim limit (maximum £1,000 per 12 month period)

• Claims must be made within 14 days of damage occurring

Alloy Wheel MINOR DAMAGE Repair

• £100 claim limit per wheel per 12 month period (up to 4 wheels per year)

• Claim limit is aggregated over 3 year period (maximum 4 claims in Year 1, if no claim in Year 1 then maximum 7 claims in Year 2, if no claim in Years 1 or 2 then maximum 10 claims in Year 3)

• Repair applies to the wheels as supplied with the vehicle from date of registration

• For diamond cut wheels, the damaged wheel will be replaced with a wheel of the same specification. The tyre will be changed over from the damaged wheel 

MOT Insurance

• Maximum claim limit £300 (including cost of MOT)

• Subaru UK will cover the cost of any items as detailed on the VT30 form up to the value of £300

• Only first MOT will be covered

Key Insurance

• Maximum limit of £350 per claim

• Minimum accepted claim £10

• Maximum one claim per year

• Includes vehicle and house keys (where vehicle is registered)

• Claims must be made within 28 days from date of loss

Vehicle Excess Protection

• Maximum limit of £300 per claim

• Maximum one claim per year

• Claims must be made within 30 days from the insurance incident

SPECIFIC TERMS AND CONDITIONS RELATING TO DENT AND SCRATCH INSURANCE (SMART REPAIR), ALLOY WHEEL INSURANCE, MOT INSURANCE, KEY INSURANCE AND EXCESS INSURANCE

This Policy has been provided to You as the first owner of a new Subaru vehicle or someone who has bought a used Subaru vehicle which was supplied with this insurance when new and to whom the residual benefits from the original policy have been transferred. The residual benefits will depend on the number of claims made prior to transfer of the Vehicle and can only be confirmed by the Administrator.

This Policy has been arranged by International Motors Limited trading as Subaru UK (from hereon in referred to as Subaru UK) and there is no separate charge for this Policy and no costs associated with the acquisition of Your Vehicle will be adjusted should You decide You do not wish to have this Policy. Subaru UK is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority.

Neither Subaru UK, the Administrator nor the Insurer has provided You with a personal recommendation as to whether this Policy is suitable for Your specific needs. It is a product that has been designed to meet the demands and needs of Vehicle owners requiring a package of insurance coverage of minor risks associated with Vehicle ownership.

These risks are further explained in this Policy but in summary they are:

1. SMART Insurance which provides cover for Minor Accidental Damage caused by everyday driving

2. Alloy Insurance which pays for repairs to Alloy Wheels from Accidental Damage

3. MOT Insurance meets the reasonable costs of repair or replacement of certain components that cause Your Vehicle to fail its first MOT test

4. Key Insurancecovers some of the costs associated with losing Keys to Your Home, Office or Vehicle

5. Vehicle Excess Protection refunds the Excess, up to £300, when You make a claim under Your Motor Vehicle Insurance Policy

It is important that You read the terms and conditions carefully and satisfy yourself that You understand the cover provided and are content that it suits Your requirements. You may cancel this Policy at any time by writing to the Administrator.

INSURER

Your Policy is underwritten by AmTrust Europe Limited, Registered Office: 10^th Floor Market Square House, St James’s Street, Nottingham, NG1 6FG.Registered in England and Wales under number: 1229676.

AmTrust Europe Limited is authorised and regulated by the Financial Services Authority (FSA), their FSA number is 202189.

The Insurer has appointed the Administrator to administer this Policy on its behalf. The Administrator is also authorised and regulated by the Financial Services Authority.

This authorisation of the parties to this Policy can be checked by visiting the FSA’s Website at www.fsa.gov.uk. 

ELIGIBILITY OF COVER

We will provide the insurance as stated in this Policy from the Effective Date subject to You, throughout the term of this Policy, being a UK resident and holding a current valid driving licence to drive the Vehicle.

In addition, throughout the term of the Policy the Vehicle must:

1. be subject to insurance under a valid Motor Vehicle Insurance Policy

2. never to be used for Hire or Reward, as a Police or Emergency Vehicle, or in any sort of rally, speed-testing, racing or any kind or competition or trial including use on track

3. be registered in the Geographical Limits and normally kept at the Home address;

4. be kept in good condition and legally roadworthy immediately prior to an Insured Incident;

5. be maintained and operated in accordance with the manufacturer’s recommendations;

6. not exceed (including any load carried) gross Vehicle mass of 3,500kg and dimensions of length 7m, height 3m, width 2.25m;

7. not carry more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of eight persons, including the driver

subject always to the Definitions, conditions, exclusions and periods contained herein.

LEGAL RIGHTS

This insurance is in addition to Your legal rights and is not to be substituted for the supplier’s liability if the Vehicle is found to be unfit for the purpose for which it was intended, or is not as described or is not of satisfactory quality.

DEFINITIONS

The words below have a specific meaning and will appear throughout this document in bold. For ease of reference these definitions have been placed in alphabetical order.

Accidental Damage a sudden or unforeseen event resulting in damage to the Vehicle.

Administrator means AutoProtect (MBI) Limited, Cambridge House, Cambridge Road, Harlow, Essex CM20 2EQ. Telephone: 0871 384 1167.

Alloy Wheel(s) the wheel(s) on the Vehicle at first registration as declared to Us by Subaru or as replaced with the same or similar type of wheel approved by the manufacturer of the Vehicle as a result of Accidental Damage or a defect of the original wheel.

Bodyshop Repair means a repair to the Vehicle requiring panel beating, filling, welding,re-spraying of a whole panel or replacements of any part of the Vehicle.

Chip means damage to the painted Vehicle not exceeding 1.5 (one and a half) mm in diameter excluding Bodyshop Repairs and that fits within the Template.

Consequential Loss means a loss or cost incurred by You resulting from an Insured Incident which is not specifically covered under this Policy such as loss of earnings or profit or, other than for Key insurance, additional transport costs from being unable to use the Vehicle or additional depreciation or diminution of the value of the Vehicle.

Day-to-Day Motoring means use of the Vehicle for social, domestic and pleasure purposes including journeys to and from Your Office.

Effective Date means the date You take delivery of the Vehicle as advised to Us either by:

1. Subaru UK, in the case of the first registration or subsequent sale of the Vehicle by them; or

2. The previous Insured in the event of a private sale of the Vehicle

and as evidenced on the Policy Schedule.

Excess is the amount You would have to pay as a contribution to costs for a claim under the Motor Vehicle Insurance Policy.

Failure/Fails/Failed means only those Insured Components listed on the VT30 MOT test certificate as having failed and requiring immediate repair or replacement before passing an MOT re-test.

Geographical Limits means the areas in which this Policy is effective and are GreatBritain, Northern Ireland andChannel Islands.

Hire Car means a “group A” hire-car, hired by Us on Your behalf.

Home means the private dwelling, together with garage(s) and outbuildings, or the Office, and situated within the Geographical Limits at the address shown on the Policy Schedule.

Insured Component means those parts listed in the Insured component table. Any part not listed is specifically excluded.

Insured incident means in relation to:

1. Section Smart Insurance Minor Accidental Damage being caused to the paintwork and/or bodywork of the Vehicle

2. Section Alloy Insurance means Accidental Damage to the Alloy Wheels

3. Section MOT Insurance means the Vehicle Failing an MOT test as evidenced on a the VT30 form or replacement thereof

4. Section Key Insurance the accidental loss or theft of the Key(s), or Key(s) accidentally broken within a Lock;

5. In relation to Section Vehicle Excess Protection, following malicious or road accident damage, fire and theft toward the Vehicle resulting in a claim under the Motor Vehicle Insurance Policy.

Insurer/We/Us/Our means Am Trust Europe Limited, Market Square House, St James’s Street, Nottingham, NG16FG.

Insured/You/Your means the person stated on the Policy Schedule. 

Key(s) means a key to any external door to the Home or Office, and the door/ignition key to the Vehicle, including electronic key fobs and immobiliser key. 

Light Scratch means damage to the Vehicle body panel not exceeding 15 (fifteen) cm in length and not extended over more than 2 (two) adjacent body panels, excluding Bodyshop Repairs and that fits within theTemplate.

Lock(s) means permanently fitted or built in, Key-operated, security devices to external doors, including garage doors.

Motor Vehicle Insurance Policy the comprehensive or Third Party Fire and Theft Motor Insurance Policy issued to You which includes the certificate of motor insurance in respect of the Vehicle.

Minor Accidental Damage repairs means Chips, Minor Dents and Light Scratches brought about from Day-toDay Motoring.

Minor Dent means damage to a metal body panel not exceeding 15 (fifteen) cm in diameter and where such panel has not been ripped, perforated or torn, excluding Bodyshop Repairs and that fits within the Template..

Office means the building you attend as Your normal place of work or business premises situated within the Geographical Limits.

Period of Insurance means the dates shown in the Policy Schedule.

Policy Year means a 12 month period commencing on the Effective Date and each anniversary thereof until the third anniversary of the first registration of the Vehicle.

Repairer means a repairer approved by the Administrator.

Repair cost means the reasonable cost of repair materials, limited by manufacturer’s retail price and the reasonable labour cost of repairing the Failed Insured Component, limited by the Institute of Consulting Motor Engineers (I.C.M.E.) published times.

Replacement cost means the reasonable cost of a like for like part of similar make, quality, Wear and condition, limited by manufacturers retail price, the reasonable labour cost of fitting, Institute Of Consulting Motor Engineers (I.C.M.E.) published times.

Servicing Handbook means the handbook which was issued with the Vehicle when new by the manufacturer and which details the servicing and maintenance requirements for the Vehicle.

Template means the maximum diameter of Chips, Light Scratches and Minor Dents (which can be provided by your Subaru Dealer).

Third Party the other person(s) and or party (parties) responsible for the Insured Incident, excluding the Insured as defined in this Policy.

Total Loss the agreement of the insurer of the Motor Vehicle Insurance Policy that the damage to the Vehicle is beyond economical repair or that Vehicle has been irrecoverably lost and the settlement of Your claim against them for the full value of the Vehicle.

Vehicle means Subaru saloon; estate car; crossover; coupe; or 4x4 sport utility Vehicle delivered to the first owner with this Policy and as identified on an original sales invoice.

GENERAL CONDITIONS

1. The Policy has been issued based upon information, about You supplied to Us by Subaru UK. It is a condition of this Policy that You advise Us as soon as practicably possible of any changes to this information in particular any of the following: change of address, or use of the Vehicle e.g. being used for private hire. Failure to do so may invalidate Your cover under this Policy. We will then advise You of any changes in terms.

2. You must not continue to drive the Vehicle after any Insured Incident if this could cause further damage to the Vehicle.

3. The Insured shall, on the reporting of a claim, agree to comply with all the Administrator’s reasonable requests to follow the prescribed claims procedures as explained in this Policy and by claims staff. Repairs can only be effected by Repairers.

4. All claims must be notified to the Administrator within 30 calendar days of the Insured Incident in order to be valid. If you are able to report lost or stolen Keys to Us immediately after reporting to the Police then we can assist in obtaining the services of a locksmith and alternative transport, if required.

5. Any repair work commenced or carried out without the prior authorisation from the Administrator will render the claim invalid.

6. We accept no liability for the responsible disposal of the Vehicle or salvage under any circumstance.

7. At notification of any claim We reserve the right to instruct an independent engineer to:

1. inspect the Vehicle, before the Administrator authorises any claim; or

2. inspect the Vehicle and any Insured Components that have Failed the MOT test and have been removed, together with any original documentation, after any repair or replacement has been carried out or authorised.

3. When this right is exercised We shall have no liability for any loss to You arising from any possible delay.

8. After repair, You are responsible for ensuring that all work has been properly completed. If You are aware the repair is not satisfactory do not sign any satisfaction note and advise the Administrator as soon as possible.

9. You must take all reasonable steps to mitigate the costs of the claim.

10. In the event that an identifiable Third Party is responsible for causing an Insured Incident and that you are or have made a clam under the Policy in relation to that Insured Incident You must take all reasonable action to recover from that Third Party any sum that We have paid or be liable to pay and pay over such to Us upon receipt.

11. If at the time of any Insured incident there is any other insurance or agreement, which provides cover for costs of rectification of an Insured Incident, or any part of it, We will only be responsible for the amount not recoverable under that insurance.

12. We shall not be liable for

1. any Consequential Loss;

2. VAT where You are VAT registered

CHANGE OF OWNERSHIP

The unexpired term and remaining benefits of this Policy are transferable, at no cost, upon resale of the Vehicle provided that the conditions in this Policy have and continue to be met.

In order for the transfer to take place both the insured selling the Vehicle and the new owner must complete and sign the relevant sections of the Policy Schedule and send them to the Administrator who will issue a revised Policy Schedule to the new owner confirming details of the residual cover.

In completing the transfer section of the Policy Schedule the Insured selling the Vehicle agrees that We may have to disclose historical claims under the Policy to the new owner when confirming the residual cover. We will keep such disclosure to the minimum required to be able to confirm cover. The level of residual benefits will be at Our sole discretion.

FRAUD

You must not act in a fraudulent manner. If You, or anyone acting for You:

1. makes a claim under the Policy knowing the claim to be false, or fraudulently exaggerated in any respect; or;

2. make a statement in support of a claim, knowing the statement to be false in any respect; or

3. submit a document in support of a claim, knowing the document to be forged or false in any respect; or

4. make a claim in respect of any loss or damage caused by Your wilful act, or with Your connivance,

Then :

1. We shall not pay the claim

2. We shall not pay any other claim which has been made or will be made under the Policy

3. We may at Our option declare the Policy void

4. We shall be entitled to recover from You the amount of any claim already paid under the Policy

5. We may inform the police of the circumstances

SMART INSURANCE

WHAT IS COVERED?

Within the Period of Insurance, the Insurer will pay for the cost of repairs resulting from Minor Accidental Damage to Your Vehicle undertaken by an authorised Repairer..

In the first Policy Year, the maximum amount the Insurer will pay under this section is £1,000.

In the second Policy Year, the maximum amount the Insurer will pay under this section is £2,000 less any amounts paid under this section in the first Policy Year.

In the third Policy Year, the maximum amount the Insurer will pay under this section is £3,000 less any amounts paid under this section in the first and second Policy Years.

WHAT IS NOT COVERED?

Your Policy does not cover any claim:

1. Where damage to the Vehicle;

   1. is not Minor Accidental Damage ;

   2. was incurred prior to the inception of the Policy;

   3. if the Vehicle is not identified on thePolicy Schedule;

   4. is caused by or to stickers or decals;

   5. is caused to beading, moulding, Locks and handles;

   6. resulting in the replacement of any body panel or part of the Vehicle;

   7. involving wheels (see Alloy Wheel section), accessories, door mouldings, window mouldings, lamps of any sort or any window panel;

   8. involving cracked or dented bumpers;

   9. caused to matt finish or custom paintwork.

2. Any Third Party damage, which caused bodily injury.

SPECIFIC CONDITIONS

1. You must check that the damage conforms to the parameters of the Template and confirm this to the Administrator when reporting a claim.

2. You will be responsible for any costs incurred in the event that the reported damage exceeds the parameters of the Template.

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

ALLOY INSURANCE

WHAT IS COVERED?

Within the Period of Insurance, the Insurer will pay for the authorised Repairer to attempt repairs to the Alloy Wheels to their best endeavours following Accidental Damage to the Alloy Wheels.

The maximum amount the Insurer will pay for any Alloy Wheel repair is £100 per individual Alloy Wheel and £100 per single event giving rise to an Insured Incident.

This section is also subject to a limit on the number of occasions per Policy Year that the Insurer will provide cover. 

In the first Policy Year the Insurer will provide cover to a maximum number of 4 occasions.

In the second Policy Year the Insurer will provide cover to a maximum number of 7 occasions, less the number of occasions for which the Insurer met the costs of repair to Alloy Wheels in the first Policy Year.

In the third Policy Year the Insurer will provide cover to a maximum number of 10 occasions, less the number of occasions for which the Insurer met the costs of repair to Alloy Wheels in the first and second Policy Years.

WHAT IS NOT COVERED?

Your Policy does not cover:

1. any damage caused by a Third Party for general maintenance to the Vehicle, including tyre replacement

2. any damage incurred prior to the inception of the Policy

3. a claim where the Repairer has to travel outside of the Geographical Area to attempt repair of the Alloy Wheels;

4. defects in the Alloy Wheel not due to Accidental Damage.

5. general wear and tear or neglect;

6. theft of the Alloy Wheels;

7. where the damage to the Alloy Wheels is deemed to be a manufacturing defect;

8. Alloy Wheels with chrome effect finish or diamond cut or split rim construction or any individual or custom painted finishes; and

9. any act or omission which is wilful or unlawful.

10. repairs to previously repaired damage

MOT INSURANCE

WHAT IS COVERED?

Provided the MOT test takes place within the Period of Insurance, the Insurer will pay for the reasonable costs of repair or replacement of Insured Components that have caused the Vehicle to Fail an MOT test and which are stated on the VT30 form.

The maximum amount the Insurer will pay for this cover is £400.

You may take the Vehicle to the Department of Transport approved MOT test station of Your choice.

Should the Vehicle Fail its MOT, once authorised therepairs can be carried out at Your choice of repairers.

It is a specific requirement of this section of the Policy that theVehicle must be serviced in accordance with the manufacturer’s recommendations detailed in the Servicing Handbook, or within a tolerance of 30 days or 1,000 miles whichever occurs first, of the stipulated service interval. It is Your responsibility to establish the Vehicle manufacturer’s servicing schedules and to comply with them by both time and mileage whichever is the sooner.

WHAT IS NOT COVERED?

1. Failure of a Vehicle that has not been serviced as per the specific condition above.

2. More than one claim.

3. Any claim made more than 30 calendar daysbefore or afterthe MOT test due date.

4. The cost of the MOT test or the cost of any re-test and labour or parts necessitated by failing a re-test.

5. Circumstances where the fault causing theneed for repair was evident prior to the expiry of the manufacturer’s warranty period and would have been covered by such, orwhere the Insured Component is subject to a manufacturer’s recall campaign or inherent manufacturers’ design fault.

6. Service items, including but not limited to leads, spark plugs, belts, wiper blades, batteries, antifreeze, fluids, grease, fuel or oils.

7. Failure due to

   1. Fire or frost

   2. Impact or accident, including a road traffic accident

   3. Andrepairs, loss, damage or liability which is claimable under any other existing insurance, warranty or guarantee

   4. misuse or any kind of act or omission which is wilful, unlawful or negligent.

   5. frictional parts in the brake system of the Vehicle

8. Vehicles which have been:

   1. modified from the manufacturers’ specification, or include any experimental equipment whether or not supplied by the manufacturer.

   2. owned temporarily or otherwise (resulting from trade-in or acquisition for the purposes of resale) by a lease company or business formed for the purposes of selling or servicing motor vehicles.

KEY INSURANCE

WHAT IS COVERED?

Within the Period of Insurance, the Insurer will pay for the costs associated with one Insured Incident per Policy Year, as defined below..

The maximum amount the Insurer will pay under this cover is £350 in each Policy Year.

The Insurer will pay for:

1. The Repairer to gain entry to the Home, Office or Vehicle and make secure the point of entry if the Keys are accidentally lost or stolen, locked within the Home, Office or Vehicle, or accidentally broken within the Lock of the Home, Office or Vehicle;

2. The cost of replacing Keys to the Home, Office or Vehicle if the Keys are stolen, accidentally lost or broken within a Lock of the Home, Office or Vehicle;

3. The cost of replacing Locks, including fitting, if the Keys to the Home, Office, or Vehicle are stolen or accidentally lost together with any details of the Home address and/or the Vehicle's registration number;

4. Recovery for You and the Vehicle to the Home address, or to the nearest suitable dealer, if the Repairer cannot gain entry to the Vehicle. The choice of suitable dealer will be at Our discretion; and

5. The cost of a Hire Car and other reasonable transportation charges for a maximum of three days, subject to Our prior approval, if You are stranded or the Vehicle is unusable as a result of lost, stolen or broken Keys. We will arrange and pay for rental charge of a Group A Vehicle, collision damage waiver and any necessary drop-off charge, but You will remain responsible for the cost of any fuel used, any top up necessary at the time the Hire-Car is returned and any excess applicable to damage caused to the Hire-Car.

In the case of lost Keys or Keys locked within the Vehicle, Home or Office, We may, at Our discretion choose to make alternative arrangements to obtain the duplicate Key.

WHAT IS NOT COVERED?

1. Any costs where there is only one Key in existence for the Vehicle, Home or Office;

2. Any deliberately careless or negligent act or omission by You;

3. Lock replacement when only parts need changing;

4. Any claim for damage to Locks by attempted theft, malicious damage, wear and tear, mechanical or electrical breakdown;

5. Failure or malfunction of any component or any consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, micro chip, integrated circuit or similar device or any computer software or stored programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond that date;

6. Any loss or damage or expense or liability howsoever occurring unless specifically stated as being covered under the Policy;

7. Any legal liability or Consequential Loss arising from the provision of, or any delay in providing the services unless negligence on Our part can be demonstrated;

8. Any claim for less than £10;

9. Costs for a Hire-Car or other reasonable transportation charges unless You have first received Our agreement to these costs;

10. Any costs other than the repair, replacement or fitting cost of the Key(s) and Lock(s), a Hire-Car and other transportation charges;

11. Subsequent claims arising from the same cause or event, when You have not taken or paid for the action recommended by the Repairer to ensure that the original fault has received a definitive repair; and

12. Claims outside of the Geographical Limits.

SPECIFIC CONDITIONS

1. You are responsible for ensuring that there is a duplicate Key obtainable for the Vehicle, Home or Office.

2. The provision of a Hire Cars is always subject to their availability and terms and conditions. Most HireCar companies will not hire vehiclesto drivers under a certain age. You will be asked to produce Your driving licence (photocopies not accepted) and a credit or debit card at the time You collect the Hire-Car. You will remain responsible for paying all parking and speeding fines and congestion charges You incur while You are in charge of a Hire-Car, and also when You park it at the end of the hire period.

3. You may be required to prove that You are authorised to access the relevant premises / vehicle. Proof of identity may be requested by the Repairer.

4. We will make every effort to apply the full range of services in all circumstances dictated by the terms and conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal standard of service being provided.

5. We will be entitled, if We so desire, to prosecute, in Your name, any claim for indemnity or damages or otherwise, against any person in respect of any sum paid by Us under the Policy. We shall have full discretion in the conduct of any proceedings, and any sum so recovered or secured shall belong to Us. Upon request, You shall supply to Us within 28 days a written statement substantiating the claim, together with all certificates, information, evidence and receipts required by Us at Your own expense.

6. It is a condition precedent to Our providing the services detailed in the Policy that You undertake to promptly pay the Repairer or the Insurer for all work authorised by You which is not covered under the Policy.

VEHICLE EXCESS PROTECTION

WHAT IS COVERED?

Within the Period of Insurance, the Insurer will pay for the cost associated with one Insured Incident per Policy Year, as defined below.

The amount payable by the Insurer is the Excess paid by you as a consequence of a claim under the Motor Vehicle Insurance Policy, up to a maximum amount of £300.

WHAT IS NOT COVERED?

The following are not covered under this insurance:

1. any claim where the sum total cost of the claim made under the Motor Vehicle Insurance Policy does not exceed the Excess under the Motor Vehicle Insurance Policy.

2. any Excess in respect of personal effects, accessories, glass or audio/visual equipment (such as car phone, satellite navigation systems, cd or cassette player, radios etc.).

3. any Insured incident arising out of the use of the Vehicle by the Insured in connection with racing, rallies, trials or competitions of any kind.

4. any claim where the Motor Vehicle Insurance Policy does not provide cover.

5. any theft or malicious damage claim which has not been reported to the Police and has not been given an incident number.

6. any deduction or contribution from the settlement of Your claim under the Motor Vehicle Insurance Policy apart from the Excess.

7. any claim due to a deliberate non-disclosure or criminal act, which is found to Our satisfaction to be of a fraudulent or false nature. You will be held responsible for any costs incurred where this happens.

8. any claim that arises from Your unlawful use of drink or drugs.

9. where the Insured Incident has been caused by a Third Party and as a result the Excess has been waived or reimbursed.

HOW TO MAKE A CLAIM

1. In all cases you should contact the Administrator on 0871 384 1167.

2. All lost or stolen Keys and malicious damage or theft of the Vehicle must be reported to the Police within 24 hours of the discovery of the loss , theft or damage.

3. You will need to give the Vehicle Registration and Vehicle details, together with Your name, address and Policy number as well as full details of the claim. In relation to MOT insurance We will also require:

   1. The exact mileage of the Vehicle;

   2. Itemised Repair cost estimate; and

   3. Confirmation that the VT30 is available

4. If the claim is covered by the Policy, verbal authorisation will be given to carry out the repair in relation to Smart, Alloy and Key insurance together with theRepair cost which is the maximum We will pay for the repair . We will also provide the details of the Repairer 

5. Any repair work commenced or carried out without prior authorisation from the Administrator will render the claim invalid. Similarly the Hire Car benefit under Key insurance will only be met if priorauthorisation isobtained from the Administrator .

6. In all cases a claims authority number will be issued. 

7. In making a claim You agree to send, upon request, relevantdocumentation to the Administrator. The Administrator may make a request for any documents where it is reasonable to do so in order to confirm circumstances of the Insured Incident , compliance with Policy conditions, Repair Costs and Replacement Costs. Documents may include:

   1. an itemised repair invoice stating the Claim Authority Number,

   2. full details and digital image of the damage claimed under the Smart or Alloy Wheel sections of this Policy to confirm that the damage falls within the parameters of this Policy.

   3. a copy of the VT30 test certificate and previous valid MOT Certificate

   4. proof of service history.

   5. Copy of Your Motor Vehicle Insurance Policy;

   6. a receipt and or a copy letter from Your Motor Insurer or approved Repairer detailing Your payment of the Excess.

8. Upon conclusion of the claim under this Policy, the Insurer reserves the right to take over and if necessary conduct proceedings in the name of the Insured to recover costs from a Third Party.

THE LAW APPLICABLE TO THIS POLICY

The Policy will be governed by the laws of England and Wales.

COMPLAINTS PROCEDURE

We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens We want to hear about it so that We can try to put things right. If You have cause for complaint it is important You know We are committed to providing You with an exceptional level of service and customer care.

Step One – contact the Administrator:

The Managing Director

AutoProtect (MBI) Limited

Cambridge House

Cambridge Road

Harlow

Essex CM20 2EQ

Tel: 0871 384 1167

Fax: 01279 457910

We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage but if You remain dissatisfied You can take the issue further.

Step Two – Contact Us:

The Managing Director

AmTrust Europe Limited

Market Square House

St James’s Street

Nottingham NG1 6FG

Step Three – If You are still dissatisfied:

In the unlikely event that the matter is still not resolved, Your complaint can be referred to:

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London E14 9SR

Please note You have six months from the date of Our final response in which to refer Your complaint to the Ombudsman. Referral to the Ombudsman will not affect Your right to take legal action against Us. The complaints procedure above does not affect any legal right You may have to take action against Us.

COMPENSATION SCHEME

The Insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends upon the type of insurance and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information is available from the Financial Services Authority of the FSCS. The FSCS can be visited on the Web at www.fscs.org.uk or by contacting the FSCS on 020 7892 7300.

DATA PROTECTION

For the purposes of the Data Protection Act 1998 the Data Controller in relation to any personal data You supply is Subaru UK. The Administrator may use Your data to keep You informed by post, telephone or other means, of any products or services which may be of interest to You. If You do not wish to receive information from The Administrator please write to;

The Data Protection Officer

AutoProtect (MBI) Limited

Cambridge House

Cambridge Road

Harlow

Essex CM20 2EQ

With limited exceptions and on payment of an administration fee, You have the right to access and if necessary rectify information held about You. If You wish to make such an inspection, please write to the Administrator.

The Administrator will use Your data to set up and administer Your Policy, including underwriting and the handling of any claim that may arise, and send Your data in confidence for processing to other companies and repairers, including those located outside the European Union. It may also be disclosed to regulatory bodies for the purposes of ensuring compliance and crime prevention.

MOT Parts Covered

Within the MOT Test definitions We include the following Components.
Any parts not mentioned are specifically excluded.

Lighting Equipment Included	Extras	Specific Exclusions
Front and rear lamps - electrical circuits	including controls	Glass (including plastics) and mirrors.
Headlamps – electrical circuits	including controls	Glass (including plastics) and mirrors.
Headlamp aim Stop lamps - electrical circuit	including controls	Glass (including plastics) and mirrors
Rear reflectors		Glass (including plastics) and mirrors.
Direction indicators & hazard lamps – electrical circuit	including controls	Glass (including plastics) and mirrors.
Steering and suspension Included	Extras	Specific Exclusions
Steering control		Oil leaks and valve Failure
Steering mechanism/system		Wheel alignment, Oil leaks and valve Failure
Po We r steering		Oil leaks and valve Failure
Transmission drive shafts		Oil leaks and valve Failure
Wheel bearings		NONE
Front suspension		Wheel alignment.
Rear suspension		Wheel alignment.
Shock absorbers		Oil leaks and valve Failure , and the second shock absorber when replaced as a pair, when only one has Failed and been cited on the VT30.
Brakes Included	Extras	Specific Exclusions
ABS warning	system controls including if the ABS warning light Fails to operate in correct sequence	NONE
Service brake performance		Frictional material.
Parking brake performance		Frictional material.
Seatbelts Included	Extras	Specific Exclusions
Mountings	including back rest security	Corrosion
Condition		NONE
Operation		NONE
General Included	Extras	Specific Exclusions
Drivers view of the road		Only windscreen wiper arm and motor are included, all other parts are excluded, including but not limited to windscreen, door and mirror glass.
Horn
Fuel parts		Fuel leakage from tanks or pipes. Catalytic converters, exhaust system & exhaust emissions.