CosmeticRepairInsurance PolicyDocument

1 Cosmetic Repair InsurancePolicyDocument2 IntroductionWelcome to FordCosmetic Repair Insurance. As part of ourcommitmentto our customers,FordCosmetic Repair Insurancehasbeendesignedtohelp youavoid anyunexpected costsofrepairing minor cosmetic damage and to help keep your carshowroom-freshfor yourequirefurtherinformation on anyofthe products andservices listedwithin this handbook,contactamemberof oursalesteamwho will be pleasedtohelp youwith your : Please keep this handbookin your vehicleatall need it if youhave to claim werecommend keeping itin your glove Cosmetic Repair Insuranceclaims app3 General InformationYour Questions Answered4 HowdoImakeaclaim?4 Contractual Agreement5 FordCosmetic Repair InsuranceAboutyour policy6 Eligibility6 Definitions7 Coverprovided9 General conditions9 Exclusions10 Cancellation and cooling off period11 Automatic termination12 Howtomakeaclaim12 Enquiriesorcomplaints13 Important notes14 Contents4 Your QuestionsAnsweredWhereshouldIkeepmyhandb ook?

2 Always keep this handbookwith the detailsshown on yourScheduleinyour vehicleasyou neverknowwhen youmightneed shouldIdoifmycar suffersminor damage?If your carsuffersMinorCosmetic Damage,contactFordCosmetic RepairInsuranceon0344 is MinorCosmetic Damage?MinorCosmetic Damagemeans aChip,MinorDent,LightScratchorScuffed Bumperwherethe totaldamagedareaisnolargerthan 30cmin diameteror3mm in depth(in the case of aChip(s)is no largerthan in diameteror3mm in depth).HowdoesFordCosmetic Repair Insurancerepairmy car?If your claim is verified, we will appointone of our approvedRepairerstocarry out arepair to the we askis thatyou inform us of aclaim within30 days of makeaclaim,either call us on 0344 5738107ordownloadtheCosmetic RepairInsuranceclaims FMC Cosmetic Repair and downloadfor Information5 Youhave opted to purchase acontractofinsurancewhich isbetweenYouand AmTrustEurope :Market Square House,St James sStreet,Nottingham,NG1 Limited is amemberof the UK s FinancialServices Compensation Limited isauthorised by the PrudentialRegulation Authorityand regulatedby the FinancialConductAuthorityand the PrudentialRegulationAuthority.

3 This canbechecked on FinancialServices Registerbyvisitingthe FCA or by contacting themon 0800111 RepairInsuranceisadministeredbyCar Care PlanLimited (hereinafterknown as Administrator ). CarCarePlanisEurope s leading warrantyadministration specialistandYouwillreceiveafirst-classa dministration servicethatisalwaysreliableand handles claims quickly and handbookexplains howthe programmeworksand the manybenefitsYounowenjoyasaFordCosmetic handbookinYour Vehicle,a syou willneed it to ensureYoufullyunderstand theterms and conditionsrelating to the products thatYouhave beenprovidedwith,as receipt of your Schedule, please check thatitcontains thecorrectdetailsand tell theAdministratorimmediately if Agreement61. Aboutyour PolicyYour Cosmetic RepairInsurancepolicyisprovidedbyAmTrust europe Limited and is designedtocoverYouagainstthe cost ofMinorCosmetic DamagetoYour Vehiclethroughout thePeriodof paymentof the full premiumWeagreeto coverYouagainst thecost associatedwith the repair ofMinorCosmetic Damageto theVehicleincurred duringthePeriodof Cover,subject to the full terms and conditionscontainedwithinthis receiveaPersonalValidationCertificatewhi chcontains information aboutYou,Your Vehicle,the AggregateClaim Limit,theStart DateandYour Period document,together withYour PersonalValidationCertificateisYourpolic yand shouldbereadasone readthis policycarefully.

4 Paying particular attention to thegeneral conditionsand exclusionsasYourfailuretocomplywithanyof the terms and conditionsmayrenderthe policyinvalidandcoulddelay or invalidate EligibilityYouareeligiblefor coverunder this policyif: Youarethe registered owner and keeper of theVehicle; Youarethe policyholder or nameddriver on the MotorInsurancePolicy; Youareresidentin the United Kingdom,excluding the IsleofWight and the Islands of Scotland (including TheShetlands,Orkneys,Inner Hebridesand Outer Hebrides).Please notethatthis means thatthe IsleofMan is also excluded; TheVehiclehasastandardpaint colour or finish whichis notconsidered specialist,non-standardoranexclusivepain t colouror mayinclude but is not limited toself-healing paint,body wrap,chrome illusion paint,twotonepaint,or matt finishes; TheVehicleis used onlyfor social,domestic,pleasureandcommutingto and from aplace of work as well as whereitisinsured forClass 2business use.

5 At theStart DatetheVehicleis less than eight yearsold andhasfewer than 80,000 miles on the DefinitionsThefollowingwords or expressions will have the specificmeaningsdescribedbelow,theyhave the same meaningthroughout this documentand appear with acapital letter:Administrator:meansCarCarePlanLtd ,Jubilee House,5 Mid Point Business Park,Thornbury,West YorkshireBD3 (s):means achippedareaontheVehicleup to amaximumof in diameteror3mm in Repair:means arepairtechniquesuitablefor repairingMinorCosmetic Repairinvolves restoringeligibledamagedareasasclose as possiblebacktotheir originalconditionand whereappropriate includesaTouch-inRepair,howevernorepair will be identical to the originalautomotivefactory Limits:means the United Kingdom,excludingthe Islands of Scotland (including TheShetlands,Orkneys,InnerHebridesand Outer Hebrides).

6 Incident:means the causeofthe damage :AmTrustEurope :means ascratchedareaontheVehiclewherethescratc h isuptoamaximum of 30cmin length or 3mm in :means the maximumnumberof claimsincidences allowableunder this policy; thatbeing six claims onaone year policy, 12 claims on atwo year policyor18claims on athree year Damage:means aChip,MinorDent,LightScratchand/orScuffe d Bumpercaused by asingleIncident,wherethe totaldamagedareaisnolargerthan 30cmin diameteror 3mm in depthand,inthe case of aChip(s)is no in diameteror3mm in claim is limited to oneMinorCosmetic Damagerepair,unlessinthe case of multipledamagescausedbyasingleIncidentwh erethe totalend to endsizeofthe furthermost pointsofthe combineddamagedareais no largerthan 30cmin diameteror3mm in these limitsorare estimatedtoexceedfour hourstocomplete will not be considered to beMinorCosmetic :means adented area on theVehicleup to amaximumof 30cmin diameteror3mm in of Cover.

7 Means the period,asnoted on thePersonalValidation Certificate,for whichWehave agreed to provide coverand forwhichYouhave paid the full Certificate:means the documentcontainingimportant information aboutYou,theVehicle,t heStart Date,thePeriod of Coverand the :means the personororganisation who is authorisedbyUsto carry out the repair work to Bumper:means ascuffedbumperup to amaximumof 30cmin diameteror3mm in Date:means the date on whichYourcoverunderthis policycommences as noted withinYour PersonalValidation :means arepairtoaChiporLightScratchto ahorizontal surfacesuch as abonnet,roof or saloon boot theMinorCosmetic Damagetobe colour matchedand painted as be weatherproof,butwill remain :means the vehicledescribedinthePersonalValidationC ertificatewhichis used forsocial,domestic or pleasurepurposesonly, including commutingand travelling to and from aplaceofwork as well as wherethe vehicleisinsured forClass 2business notethis policydoesnot coverthe following vehicles in anycircumstances;vehicles thatare namedonacontracthireorleaseagreement(but not including personal contracthire),vehiclesused forcommercial travel,light commercial vehicles,emergencyvehicles,delivery vehicles,panel vans and vehicles also excluded.

8 Motorcycles,scooters,three wheeled vehicles,kit-cars,quad bikes,caravans or motor homes,trailers,boats,vehicles used forhireor reward(forexampletaxis,self-drivehireord riving schools),delivery courier or avehicleusedinany sort of rally, speed testing,4x4 off-roading,racing or anykind of competition,trial or used foranypurpose in connection with the motor :means the personnamedasthe policyholderon thePersonalValidation CoverprovidedIn return forthe paymentof the appropriate premium,Wewillprovide aCosmetic Repairor whereappropriate aTouch-inRepairtoMinorCosmetic Damageon theVehicle,s ubject to theterms and conditionsdetailed in this the eventthataCosmetic Repaircannot be used to repairMinorCosmetic DamageonYour Vehicleunder this policy, thepolicywill contributeuptoamaximum of 150 including VATtowardsthecost of having aconventionalbodyshop repaircarriedout wherebytheMinorCosmetic Damagehasbeenrepaired is subject to being providedaninvoice from aVATregisteredrepairer forthe work be providedifYo uareresident in onlybecarriedout withinthe statedGeographical General ConditionsThereare certain obligations thatYoumustfulfil in order to ensurethatYourcoverremains to theAdministratorwithin30 daysfollowing theIncident; all reasonablecaretomaintain theVehicleinaroadworthyconditionand take all reasonableprecautionsto prevent or minimiseloss or damage; andcompleteinformation; to complywith theAdministrator sreasonablerequests.

9 The prescribedclaims procedureasexplainedinthis documentor by theAdministrator sclaims staff; nthe case of incompatibilitywith anon-originalfinishWehave the right to decline aclaim orvoid this policy; theAdministratorif anyofthe detailsin thePersonalValidation Certificateareincorrect orhave changed; by the provisions of the ConsumerInsurance(Disclosureand Representations) Acttotakecare to supplyaccurateand completeanswers to all thequestions in the application and to makesurethatallinformation suppliedistrue and correct; theAdministratoraboutanychanges whichmaybeimportant forUsto ExclusionsYouwill not be coveredforMinorCosmetic definedasaLightScratch,Chip,ScuffedBumpe rorMinorDentor anyMinorCosmetic DamagewhereaCosmetic Repairis not technicallypossible; opinionof theAdministratorwasincurredbeforetheStar t Date; to theAdministratormorethan 30 days aftertheIncident; numberofMinorCosmetic Damagesexceedsone per claim; not paid the premiumin full,or have not takenout aCar Care Plan credit agreementin order to payfor thispolicybyinstalments; horizontal flatsurfaces,roofs,bonnets and boot topswheretheRepairerdeems it not possibletoachieve asatisfactory finish usingCosmetic RepairorTouch-inRepairtechniques; paint coloursand finishesthatcannotbe hese include but arenot limitedto specialist,non-standardand exclusivepaint coloursandfinishes,forexample: self-healing paint,body wrap,chromeillusion paint,twotone paint finish or matt finishes; totalnumberof claims made exceedstheMaximumClaimsLimit.

10 Anybody panel or part of apanel thathas been ripped,torn,or perforated; replacementof anybody panel or partof apanel; repair work is carriedout withoutpriorauthorisation being given by theAdministrator; locatedoutside theGeographical Limits; and/or repair work performedoutside theGeographical Limits; by hail,rust,pitting or paintwork discolouration; stickers,decals,beading or moulding (including protectiveplastic),or thatrequires the removalofthese items; anykind to wheels,wheel rims or wheel trims; locksand handles,accessories,door mouldings,windowmouldings,lightsorany window; loss is coveredand claimedfor under anyother insurance; liabilitytoany other party; Damagecaused by athirdpartywhichcaused bodilyinjury; by anyact or omissionthatiswilful or unlawful; other coststhatare indirectlycausedbythe eventwhichledtoYo urclaim,unlessspecificallystatedascovere dinthis policy; the subject of fraud, falseactions or dishonesty; by nuclearsubstances or activity; by war, civil commotion,labour disturbances,riot,strike, lockout,publicdisorder or anyform of terrorism; not have theMinorCosmetic Damagerepaired; totalnumberof all claims made under this policyexceedstheMaximumClaim Cancellation and CoolingOff the right to cancel this policywithin 30 days fromreceipt ofYourpolicydocumentation or from theStart Datewhicheveristhe later, by contacting the personfromwhomYoupurchasedthe arefund of anypremiumYou