AA Warranty - Motorhome Products - Mechanical Breakdown Insurance

Motorhomes : Mechanical Breakdown Insurance : 3 Star Cover

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Motorhome
Mechanical Breakdown Insurance

Motorhome Gold Cover

(summary)

All mechanical and electrical Components* and associated labour costs of the insured Vehicle are covered, provided they are of the original manufacturer’s specification.

Oil Seals & Gaskets
All oil seals and gaskets are covered for sudden failure (except where the failure is due to Wear and Tear).

Timing Belt
If the timing belt has been changed in accordance with the time/mileage requirements specified by the manufacturer (receipt required) it will be covered against mechanical Breakdown.

Casings
Should the failure of a covered Component result in damage to any associated casing the replacement will constitute part of the claim within the Insurance Claims Limits.

Working Materials
Where an authorised repair requires the replacement or topping up of oils, antifreeze or other fluids, or replacement of the oil filter, these will also constitute part of the claim within the Insurance Claims Limits.

Anti-Lock Brake System (ABS)
Factory fitted anti-lock braking systems are covered. (Excluding: wiring and connection faults).

What is excluded
Bodywork (except for that relating to elamination and water ingress cover featured on page 7 in Your Insurance document), paintwork, light units, interior and exterior trim, glass (including mirrors), Window catches, handles and hinges, cables, pipes & hoses, wires, belts, fasteners, exhaust systems, alarms, tracker units, immobilisers, central locking remote control unit, in-car entertainment systems including LCD/television screens, work surfaces and similar decor, carpets & floor coverings, soft furnishings, seats, seat belt systems and air bag systems, blinds, hinges, catches, stays and doors, fluorescent tubes, electrical connections, gas bottles, wheels and tyres.
Workshop consumables and service / maintenance items which includes, but is not limited to; spark plugs, glow plugs, brake and clutch frictional material, wiper blades and arms, bulbs, batteries and fuses.

Specialist cover for motorhomes

Electrical
Mains hook-up connector (excluding mains cable), Electrical Control Board (ELCB), battery charger, electrical distribution unit.

Water
Water heater including burner control module, water pumps, water taps and water level gauges.

Gas supply system
Bottle clamps (manufacturer’s fitted units only), flame failure devices.

Heating system
Thermostat, blower motor, switches, igniters, gas heater.

Cooker
All mechanical Components of the manufacturer’s fitted units are covered. (Excluding non standard
cookers).

Fridge
Condenser, gas control valve and igniter, flame failure device, current voltage selector, electric
elements, thermostats and control switches.

Cassette toilet
Flush operating mechanism. (Excluding seals).

General
Water ingress (Body Leaks): Ingress of water through any permanently sealed manufacturer constructed seam or joint. Delamination of composite construction exterior body panels.

Please see the following for optional additional cover.
The following will only be included if selected as optional additional cover items on the Schedule, and the appropriate additional premiums paid.

Turbocharger / Supercharger / Kompressor
The complete unit is covered providing it is of original manufacturer’s equipment (including the wastegate if it is an integral part of the unit and cannot be bought separately).

Air Conditioning / Climate Control
Factory fitted air conditioning systems are covered (Excluding pipes, unions, wiring and receiver
drier).

Re-gassing
Within the limits of indemnity, where the replacement of a covered Component requires re-gassing of the system, a maximum of £40.00 Inc. VAT will be contributed (routine maintenance/re-gassing is not covered).

Catalytic Converter
The factory fitted catalytic converter is covered for mechanical Breakdown (excludes damage caused by impact, corrosion or incorrect grade or type of fuel).

*Certain Components are excluded. Your Insurance document contains the full list of these exclusions.

Motorhome

AA Warranty
Mechanical Breakdown Insurance

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

Your Insurance cover

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.

Important conditions

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).	Any customer excess applicable to this Insurance will be as detailed on Your Application Form / Schedule and will apply to each and every authorised claim.
j).	This Insurance is not valid until You have received a completed Schedule and the relevant premium has been received by Us.
k).	No claim will be rejected on the grounds of Wear and Tear where the Insured Vehicle has covered less than 60,000 miles and is under 5 years old at the time of the claim.
l).	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).
m).	Age and mileage conditions apply, please see Your dealer for details.

Features and benefits

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

What is not covered - important exclusions

Your Insurance will not cover

Components other than those specifically listed in the 'What is covered' section of Your Insurance document.
General maintenance and Components failing due to Wear and Tear.
Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturer's recall.
Damage caused by overheating, freezing, corrosion or the intrusion of harmful substances (for example the ingress of water), use of an incorrect grade of fuel or oil, or lack of antifreeze, lubrication or servicing.
Improper use of the Vehicle, neglect or abuse of any kind, or drive on damage after a fault has occurred.
Faults which were on the Vehicle at the time of purchase, or caused by poor servicing or previous repair.
Consequential damage, caused by the failure of Components not covered by this Insurance, or to Components not covered by this Insurance.
Any repairs not authorised by Us prior to the repair work being carried out.
Any costs other than those specifically agreed and authorised by Us.
Adjustments, the cleaning of Components or 'refacing' costs (e.g. skimming or honing) and diagnosis.
Costs in excess of the equivalent UK specification Vehicle, if Your Vehicle has been imported.
The failure of Components due to lack of routine or regular maintenance.
Any customer excess as detailed in Your Application Form / Schedule.
Claims for water ingress or delamination on Vehicles over 7 years old.
Consequential damage to soft furnishings or trim.

Cancellation

You may cancel this Insurance within 14 days of the Conclusion 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.
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.

Caring for customers

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

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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