Claims
can be dealt with directly by contacting the warranty
company or by phoning us and letting us deal with the
problem. Part
of our commitment to you is the use
of a free courtesy car should you breakdown and we are asked to handle the
repair. (subject to availability). Quite simply when you buy a vehicle you
want reliability. We can't guarantee your vehicle will never go wrong but
we will do our best to put it right if it does. The warranty covers most
eventualities and goes a long way to softening major financial outlay.
Parts
Covered
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. 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 as defined
below.
Important
Mechanical breakdown is the failure of a component, causing
a sudden stoppage of its function, for a reason other than
wear and tear, normal deterioration or negligence. Damage
caused by the effect of overheating is not regarded as
a mechanical breakdown under the terms of the policy.
Important Note
You
are covered only for the parts described in this booklet.
You are covered up to the limits shown on the Proposal
Form. Your policy does not cover more than the manufacturers
list price. Auto Protect (MBI) Limited may insist that
your repairer used exchanged or reconditioned parts to
effect repair.
If
the part to be replaced has some wear or the part improves
the general condition or value of the vehicle, you may
be required to pay a specified amount towards the improvement.
Auto Protect (MBI) Limited 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 Auto Protect
(MBI) Limited about your claim and make sure the repairer
includes this number on their invoice.
Oil Seals
Crankshaft
front seal, camshaft oil seal, auxiliary shaft oil seal,
gearbox rear seal, drive shaft(s) seals, differential
pinion seal and any oil seal or gasket where removal of
the engine, gearbox or differential /drive unit is essential
in order to effect repair.
Casings
if any of the covered parts fail and this damages the
casings, they will also be covered.
Working materials
Oils, oil filter and anti-freeze are covered only if it
is essential to replace them because of the failure of
a part which is covered under this policy.
Excluding:
Cracked
cylinder heads and/or failure to valves as a result of
carbon build-up. Body, paint, glass, interior/exterior
trim, in-car entertainment/communication systems and connected
equipment, catalytic converters, wheels, airbag and system,
electrical wiring and wiring looms.
Normal
wear and tear/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, V belts, hoses, light bulbs/units,
tyres, batteries, exhaust systems (this is not a complete
list).
The
extra benefits listed below will be provided subject
to the limits specified in the Proposal Form if any of
the parts covered under the Mechanical Breakdown insurance
policy fails and you are stranded with your vehicle.
Vehicle
replacement
Auto
Protect will pay up to £30 a day (including VAT)
for up to seven days, towards the cost of a replacement
vehicle
if your vehicle is being repaired under this policy and
prior authority has been given by Auto Protect's Claims
Department.
Exclusions:
1.
You cannot have a replacement vehicle for the first 24hours
that you are without your vehicle or during any delay
the repairer may have waiting for parts or commencing
repairs.
2.
You will have to pay for fuel and insurance for the replacement
vehicle.
3.
You will have to pay for any motoring fines and congestion
charges.
Recovery:
Auto
Protect will pay up to £100 (including VAT) towards
the cost of towing the vehicle to the nearest repairer
if
the vehicle breaks down. You should ensure that your
repairer obtains an authority number that covers the
recovery, and that the invoice of the person who recovered
your vehicle or the repairer's invoice is addressed to
Auto Protect (MBI) Limited.
The
invoice should be sent to:
Auto
Protect (MBI) Limited, Cambridge House, Cambridge Road,
Harlow CM20 2EU
Overnight
Accommodation and rail fares
Auto
Protect will pay up to £60 towards hotel expenses or
a return rail ticket if the vehicle breaks down and you
are unable to return home. You will need to send Auto
Protect a receipt. You cannot claim for the cost of meals
and drinks.
You
can only qualify for overnight accommodation and rails
fares if your vehicle is being repaired under this policy
and prior authority has been given by Auto Protect's
Claims Department.
Driving
abroad
The
policy is valid for up to 60 day per annum (pro-rata)
for driving in the Republic of Ireland and mainland Europe.
Auto Protect will not pay more than the equivalent UK
cost for parts and labour.
NB
These benefits will not be provided if the failure is
not covered by this policy. Payments will be limited
to those levels outlined in this policy.
