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). AmTrust are authorised and regulated by the Irish Financial Services Regulatory Authority, and licensed by the UK Financial Services Authority, registration number 203014.

AA Warranty is a trading style of the Motorway Direct plc group of companies, who are authorised and regulated by the Financial Services Authority (FSA), authorisation number 311741. Our address is 1 Waterside Court, Bold Street, Sheffield S9 2LR. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet Our obligations to You.

For details of authorised firms visit the FSA website on www.fsa.gov.uk/register

The Insurance
Subject to the correct premium having been paid, the Insurer will provide cover as detailed in this document.

What is covered by Your Insurance
The purpose of this Insurance is to contribute to the cost of repairs to Your Vehicle, required due to the unforeseen mechanical Breakdown of the specified Components. Please remember that any parts not covered will not be paid for by this Insurance. The Period of Cover and maximum Claim Limits will be as stated on the Insurance Schedule. The Component Cover is deatiled in the 'What is covered' section of Your Insurance document. No claim payment can be released until the Insurance Application and full premium have been received by Us.

a).	This Insurance does not cover the failure of Components due to lack of routine or regular maintenance. Please ensure You read and understand the requirements on page 12 'Caring for Your Vehicle', in Your Insurance document.
b).	This Insurance does not cover vehicles used for hire or reward.
c).	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.
d).	Nominated Repairers - We have a nationwide network of Nominated Repairers who are fully conversant with Our claims procedures. By using these Nominated Repairers You can ensure that You receive the best service from Your Insurance.
e).	This Insurance does not cover servicing, maintenance, Components other than those specified or Components failing due to Wear and Tear (please read Your Insurance conditions carefully).
f).	This Insurance is a contract of indemnity, which means that if an authorised repair results in the condition of Your Vehicle being better than immediately prior to the Breakdown, You may be required to pay a contribution to the costs.
g).	This Insurance cannot be transferred to another vehicle.
h).	This policy does not entitle You to Breakdown Assistance / Rescue services unless You have purchased and received a separate 'AA Assistance policy'.
i).	An excess of £50 is payable by You in the event of any claim under the terms of this insurance.
j).	This Insurance is not valid until You have received a completed Schedule and the relevant premium has been received by Us.
k).	To qualify for cover for water ingress or delamination, the Vehicle must be 5 years old or under at inception and be subjected to an annual inspection using a protimeter (damp test).
l).	Age and mileage conditions apply, please see Your dealer for details.

1. Cover is available for up to 3 years, from date of purchase or the expiry of the manufacturer's warranty.
2. Unlimited number of claims up to the retail value of the Vehicle in aggregate.
3. On a valid claim a contribution of up to £100 can be made towards hotel/travel expenses.
4. On a valid claim a contribution of up to £50 can be made towards the cost of recovery.
5. 60 day cover for breakdowns in continental Europe and Eire included.

Cancellation

1. You may cancel this Insurance within 14 days of the Issue Date and obtain a full refund by contacting Our customer services department. If 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 14 days You may cancel Your Insurance but no refund of premium is available and any outstanding premium instalments must be paid to Us in full.

   
   
2. 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.
   

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 747407, 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 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