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Summary |
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 Provided that the terms and conditions are complied with, Your Insurance will contribute to the repair or replacement of the Components listed below where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT testcertificate (VT30) form.
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Car and Van cover (aggregate £650) |
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Lighting and Electrical
Headlights and adjustment,(excluding corroded or damaged adjustments) front end rear side lights, brake lights, rear fog lights, hazard warning lights and controls, direction indicator, lights and controls, front windscreen wiper mechanism (excluding wiper blades), horn and switch, lighting equipment is covered for failure due to discoloration, misalignment, corrosion and water ingress, damage caused by impact, accident or vandalism is not included.
Steering and Suspension
Wheel bearings, steering system (including power assisted steering) transmission shafts (excluding gaiters), front and rear suspension, shock absorbers, track control arms, kingpins, ball joints and wheel alignment.
Braking System
Service brake and hand brake (including failure due to seizure, cracks and leakage), ABS system (the warning light sequence when interrogated). Friction Components – brake shoes, pads, discs and drums are not covered by Your Insurance.
Fuel System
Fuel leakage from tank or pipes (unless caused by accidental or impact damage or corrosion), fuel injection system and ECU are covered for failure to meet MOT exhaust gas emissions standards.
Seating and Security
Operation and security of the seatbelt system and mountings. |
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Motorcycle cover (aggregate £650) |
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Lighting & Electrical
Headlights, headlight adjustment, front and rear sidelights, brake lights, direction indicator lights and controls, horn and switch. Lighting equipment is covered for failure due to discoloration, misalignment, corrosion and water ingress. Cover does not extend to damage from an accident, vandalism or impact.
Steering & Suspension
Wheel bearings (front & rear), transmission shafts, front and rear suspension, shock absorbers.
Braking System
Front brake and rear brake (failure due to seizure, cracks and leakage). Friction Components - brake shoes, pads, drums and discs are service items which cannot be covered.
Fuel System
Fuel leakage from tank or pipes (except where caused by corrosion, impact or accident).
Carburettor
and injection Components and ECU replacement are covered due to failure to meet MOT exhaust gas emission standards.
The Insurer will indemnify the person named on the proposal form (The Insured) against the repair, replacement or alteration of parts described in an MOT Inspection Report (VT30) prepared during the Period of Insurance which prevents the Vehicle specified on the proposal form (The Insured Vehicle) from being issued with a valid MOT certificate.
The maximum amount We will pay per Individual item (including labour and VAT) within the overall Claims Limit is £250 (total of £650 in aggregate
on Car or Van cover, and a total of £500 in aggregate on motorcycle cover.
Please note, the claim is the actual failure to pass the MOT test and not the individual items cited.
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 AA Warranty
MOT Test Failure Insurance |
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effected by AA Warranty.
The protection offered to You is an Insurance policy. Like all Insurance policies it has terms and conditions. It is important that You read and understand these conditions to make sure that it is the right product to suit Your needs. If You have any questions on the content of this summary document, please contact AA Warranty customer services on 08454 747407, or clarify them with Your sales executive. We will be happy to help.
This Insurance is underwritten by AmTrust International Underwriters Limited (the Insurer), whose address is 123 Lower Baggot Street, Dublin 2, Ireland, and effected through AA Warranty (the administrator for the Insurer).
AA Warranty is a trading style of AA Mechanical Insurance Services Limited.
For details of authorised firms visit the FSA website on www.fsa.gov.uk/register/
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Your Insurance cover |
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The Insurance
Subject to the correct premium having been paid, the Insurer will provide cover as detailed in this document.
Important notes
a). |
During the Period of Insurance, Your Vehicle must be serviced in accordance with the manufacturer's recommendations by a bona fide garage. We will ask You to provide proof if You make a claim. |
b). |
This Insurance does not cover vehicles used for hire or reward.
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c). |
This Insurance cannot be transferred to another vehicle or owner. |
d). |
Repairs must be completed within 30 days of the issue of a VT30 document, failing Your Vehicle on its MOT Test. |
e). |
Your Insurance becomes effective only when Your Vehicle is within 30 days of its MOT test due date. |
f). |
At the commencement of Insurance Your Vehicle must have at least 90 days of its current MOT remaining, or in the case of Vehicles under 3 years old, be more than 90 days from its first MOT date. |
g). |
Authorisation for repairs - If You suspect that You have a fault which is covered by this Insurance, first contact Us, at which time You will be advised of the claims procedure. No repairs may be started until We have issued a claims authority number to You.
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Nominated Repairers - We have a nationwide network of Nominated Repairers who are fully conversant with Our claims procedure. By using these Nominated Repairers You can ensure that You receive the best service from Your Insurance.
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Within the Claim Limit the maximum amount payable for any one item (inclusive of labour and VAT) is £250. |
j). |
If You have elected to pay Your premium on a credit funding agreement You must be over 18 years of age at the time of Your Application. Failure to pay any premium installment will result in the immediate suspension of cover and may result in cancellation. In the event of a claim, We may offset any outstanding premium against Your claim settlement.
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What is not covered - important exclusions
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Your Insurance will not cover |
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- The first £20 of any claim
- Components other than those specifically listed in the ‘What is covered’ section of
this Insurance.
- The cost of the MOT test and re-test fees.
- Components which are not cited as failed on the VT30, but which are replaced during
the course of the repair.
- Advisory items noted on VT30.
- Damage caused by defective wheel balance or alignment.
- Damage caused by road traffic accident or fire.
- Faults which occur during the period of guarantee of a manufacturer or supplier or
items which are subject to a manufacturers recall.
- Damage caused by corrosion unless specifically stated otherwise in the ‘What is
Covered’ section of Your Insurance document, improper use of Your Vehicle, neglect
or abuse.
- Any costs not agreed and authorised by Us.
- Consequential damage, caused by the failure of Components not covered by this
Insurance, or to Components not covered by this Insurance.
- Vehicle structure
- Work carried out more than 30 days after the actual MOT failure.
- Any repairs not authorised by Us prior to the repair work being carried out.
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Cancellation |
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You may cancel this Insurance within 14 days of the Conclusion DateIf We have made a claim payment to You or on Your behalf during this time, You will have to return the money to Us. After this time You may cancel Your Insurance at any time but no refund of premium is available.
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We may cancel Your Insurance by writing to You and giving You 14 days notice. We will write to Your last known address. If We cancel Your Insurance We will refund to You the unused part of Your premium, calculated pro-rata. An administration charge may be applied.
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Caring for customers |
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If You have a problem
Our aim is to provide the highest level of service to You at all times in dealing with all aspects of Your Insurance. If You
feel We have not achieved Our aim, please inform Us. Your feedback enables Us to monitor and improve the service
We provide.
In the first instance, please contact Our Claims Manager, or Customer Services Manager either by telephone on
08454 74 74 07, or by e-mail to customerservices@AAwarranty.co.uk. Alternatively write to them at AA Warranty,
1 Waterside Court, Bold Street, Sheffield, S9 2LR.
Please ensure You quote Your Insurance number in all correspondence and enclose any evidence or documentation
You wish Us to consider in reviewing Your complaint.
We will do Our best to resolveYour complaint quickly and with the least inconvenience to You, ideally within 5 working
days. We will keep You informed of the progress of Your complaint if We require time to investigate.
On receiving Our answer You may, if You are not satisfied, appeal in writing to The Underwriting Director, Motorway
Direct, 1 Waterside Court, Bold Street, Sheffield, S9 2LR. Please make sure any new evidence or information is enclosed.
We expect complaints to be quickly and satisfactorily resolved at this level, however You can take the matter further
by writing to The Claims Manager, AmTrust International Underwriters Limited. 123 Lower Baggot Street, Dublin 2,
Ireland, who will arrange an investigation into the matter on behalf of the Executive Directors.
If You have still not received a satisfactory response, or Your complaint has not been resolved within eight weeks of
Our receiving it, You may refer Your case to the Financial Ombudsman Service, set up by the Financial Services Authority
to review unresolved Complaints. They can be reached at: The Financial Ombudsman Service, South Quay Plaza, 183
Marsh Wall, London E14 9SR. Telephone 0207 964 1000, e-mail: enquiries@financial-ombudsman.org.uk |
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Important notice:
Please note that an Insurance Summary does not contain the full terms and conditions of the Insurance product. Full terms and conditions can be found in the Insurance document. |
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