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Luxury Motorhome Prestige GAP |
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(summary) |
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 Why do I need Luxury Motorhome Prestige GAP Insurance?
It is a sad fact that vehicle related crime represents a significant percentage of all reported crime in the UK. How often have You heard of people who have had their vehicle stolen or written off and have not been able to replace their vehicle with another of a similar value?
This is because at the time of loss You will only be entitled to receive the current market value of Your Vehicle from Your insurance company, not what You paid for it.
How Luxury Motorhome Prestige GAP Insurance cover helps You.
In the event of a Total Loss happening within the Geographical Area and occurring within the Period of Insurance, the Insurer will pay the higher of:
a). The difference between the Market Value of Your Motorhome at the Point of Total Loss and the Market Value at the time of purchase or the Purchase Price, whichever is the lower, or;
b). An amount equal to the difference between the Market Value of Your Vehicle at the Point of Total Loss and Outstanding Finance Balance relating strictly to the purchase of Your Motorhome, less any arrears, rebates or refunds for creditor insurance .
'We pay for what Your insurance company does not.'
Luxury Motorhome Prestige GAP Insurance is Our commitment to helping You retain financial security and peace of mind when You need it most. You could receive up to the original Purchase Price.
The Cover
To take advantage of the benefits of Extra Value Prestige GAP Insurance Your Vehicle must be:
- Be insured by a comprehensive motor insurance policy issued by an authorised UK Motor Insurer.
If You have third party fire and theft insurance, You can only claim on this Insurance for total
loss due to fire or theft.
- Be listed in Glass's or CAP Guides.
Please refer to Your Insurance document for full Terms and Conditions.
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 AA Warranty
Guaranteed Asset Protection |
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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 Zenith Insurance Plc. (The Insurer) Authorised Insurers, registered in Gibraltar No.84085, whose registered office is 846-848 Europort, Gibraltar, and effected through AA Warranty (the Administrator for the Insurer). Claims made under this Insurance will be handled by AA Warranty.
Zenith Insurance Plc. is licensed by the Commissioner of Insurance under the Insurance Companies Ordinance to carry out insurance business in Gibraltar and regulated by the Financial Services Authority (FSA) for the conduct of UK business (FSA Register Number 230684).
AA Warranty is a trading style of AA Mechanical Insurance Services Limited.
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The Insurance
Subject to the correct premium having been paid, the Insurer will provide cover as detailed in Your Insurance document.
What is covered by Your Insurance
In the event the event of a Total Loss happening within the Geographical Area and occurring within the Period of Insurance, the Insurer will pay the higher of:
a). The difference between the Market Value of Your Motorhome at the Point of Total Loss and the Market Value at the time of purchase or the Purchase Price, whichever is the lower, or;
b). An amount equal to the difference between the Market Value of Your Motorhome at the Point of Total Loss and Outstanding Finance Balance relating strictly to the purchase of Your Motorhome, less any arrears, rebates or refunds for creditor insurance .
The most We will pay will be the amount shown on Your Schedule.
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What is not covered - important exclusions
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Your Insurance does not cover: -
- Any claim where the Total Loss is not subject to an indemnity under the accidental damage,
fire or theft sections of the Motor Insurance Policy or the first £250 of any claim where the
Insurance Holder or driver is under the age of 25 at the Point of Total Loss.
- Any excess, salvage value or outstanding premium deducted under the Motor Insurance Policy. Any claim where the Total Loss arises as a consequence of war, riot, civil commotion or terrorism.
- Any claim where the Total Loss is caused by an accident when the driver of Your Motorhome
is under the influence of alcohol or drugs not prescribed by a registered medical practitioner
or drugs prescribed by a registered medical practitioner in respect of which a warning against
driving is given.
- Any loss of use of Your Motorhome or any consequential loss of any kind.
- Any claim where the Total Loss occurs outside the Geographical Area.
- Any claim which is the subject of fraud or dishonesty.
- Any claim where the loss is covered by any other insurance or warranty.
- Theft committed by any person who has access to keys of Your Motorhome.
- Radioactive contamination from ionising radiation or contamination from any nuclear fuel or
from any nuclear waste arising from burning nuclear fuel, or the radioactive, toxic, explosive
or other dangerous effect of any explosive nuclear equipment or part of that equipment.
- Any claim where You have the option to receive a replacement motorhome under the terms
of Your Motor Insurance Policy in respect of the Total Loss of Your Motorhome.
- Your Motorhome if it is not shown in Glass’s or CAP Guides.
- Your Motorhome if it is used for hire or rental purposes.
- Your Motorhome if it is used for road-racing, rallying, pace-making, speed testing, or any other
competitive event or is driven by any person not holding a valid, current licence to drive Your
Motorhome.
- Your Motorhome if it has been modified other than in accordance with the manufacturer's
specification.
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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 resolve Your 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 Chief Executive Officer, Zenith Insurance Plc, registered office
846-848 Europort, Gibraltar, 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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You may cancel this Insurance within 14 days of the Issue Date provided that You have not made
a claim, and obtain a full refund by contacting Our customer services department. After 14 days You
may cancel this Insurance but no refund of premium is available and any outstanding premium
instalments must be paid in full.
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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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