COSMETIC REPAIR INSURANCE

INTRODUCTION

Your new car is probably your pride and joy. We want to help keep it that way and AutoTrust Cosmetic Repair Insurance is the perfect way to protect your investment and keep your car distinctive and showroom-fresh.

WHY CHOOSE AUTOTRUST COSMETIC REPAIR INSURANCE?

If your car is your pride and joy, you will appreciate its fine lines, detailing and the beauty of its design. Unfortunately, you can’t always be there to make sure it stays safe and sound and everyday knocks and bumps are part of life on today’s roads.

Minor dents, scratches and scrapes from car parks, stone chips or other people’s carelessness shouldn’t take the shine off your car and AutoTrust Cosmetic Repair Insurance is the perfect way to maintain your car’s showroom appearance for longer.

HOW CAN AUTOTRUST COSMETIC REPAIR INSURANCE HELP?

If your car suffers minor cosmetic damage from scratches, dents and stone chips, AutoTrust Cosmetic Repair Insurance will arrange and pay for the cost of repair to keep your car looking fresher for longer.

Guaranteed repairs from qualified and accredited technicians will remove scratches and dents up to 30cm long and 3mm deep and stone chips up to 1.5cm in diameter and keep your car looking pristine.

AutoTrust Cosmetic Repair Insurance can also help maintain control on your motor insurance cost by preventing a potentially costly claim through your car insurer and helping you keep your No Claims Discount.

WHO CAN APPLY?

AutoTrust Cosmetic Repair Insurance is available:

  • If the vehicle is under 8 years old and has covered fewer than 80,000 miles at the start of the policy;
  • If the car has a standard factory supplied paint colour and finish;
  • To private individuals who are the registered owner and keeper of the vehicle and who are resident in the United Kingdom, excluding the Islands of Scotland (including the Shetland, Orkney, Inner Hebrides and Outer Hebrides Islands);
  • The vehicle is used only for social, domestic, pleasure and commuting to and from a place of work.

POLICY EXCLUSIONS AND LIMITS

  • Damage that is greater than the limits set out in the policy, is estimated to exceed 4 hours to repair or which is not technically possible using a Cosmetic Repair method;
  • Any damage that was incurred before the policy start date;
  • Any damage reported to AutoTrust Cosmetic Repair Insurance more than 30 days after the incident;
  • Damage that has occurred to horizontal, flat surfaces such as bonnets, roofs and boot tops can only be repaired using a touch-in repair which is described under Definitions in the policy document;
  • Damage to paint colours and finishes that cannot be matched by the repairer, including, but not limited to, non-standard paint colours and finishes, body wraps, two-tone paint finishes and matt finishes;
  • Damage to a body panel or part of a panel that has been ripped, torn or perforated;
  • Damage caused by hail, rust, pitting or paintwork discolouration;
  • Damage to wheels and wheel trims;
  • Damage to stickers, decals, beading or moulding (including protective plastic), or that requires the removal of these items;
  • Damage to locks and handles, accessories, door mouldings, window mouldings, lights or any window.

These are examples of the main exclusions. Details of all exclusions and limitations are noted in the policy document.

POLICY SUMMARY

This document contains some important facts about your AutoTrust Cosmetic Repair Insurance policy. It is to be regarded as only a summary of cover to help assist you in making an informed purchase decision. When cover is purchased a full policy document will be provided which contains all of the terms and conditions of the policy. Please take time to read the policy document to make sure you understand the cover it provides.

WHO IS THE INSURER?

Cover is provided by UK General Insurance Ltd, on behalf of Ageas Insurance Limited, Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA. Registered in England No: 00354568. UK General is a member of the UK’s Financial Services Compensation Scheme. UK General Insurance Ltd is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.

WHO IS THE POLICY ADMINISTRATOR?

The scheme is administered by Car Care Plan Ltd. Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.

WHAT COVER DOES THIS POLICY PROVIDE?

The Administrator will arrange for repairs of the following Minor Cosmetic Damage to Your Vehicle using a Cosmetic Repair method:

  • A Chip which is a chipped area on the Vehicle up to a maximum of 1.5cm in diameter, 3mm in depth and sits within 2 adjacent body panels;
  • A damaged area which contains a Light Scratch, Minor Dent or Scuffed Bumper, up to a maximum of 30cm in length and 3mm in depth.
  • Where Minor Cosmetic Damage cannot be repaired using a Cosmetic Repair method, an allowance of up to £150 including VAT will be payable towards a conventional body shop repair.

An area of Minor Cosmetic Damage means a Chip, Minor Dent, Light Scratch and/or Scuffed Bumper caused by a single Incident, where the total damaged area is no larger than 30cm in diameter and 3mm in depth and, in the case of a Chip(s) is no larger than

1.5cm in diameter and 3mm in depth. In the case of multiple damages being caused by the same Incident, the total end to end size of the furthermost points of the combined damaged area must also be no larger than 30cm in diameter and 3mm in depth. Any repairs which are estimated to exceed 4 hours to complete will not be considered to be Minor Cosmetic Damage.

A Cosmetic Repair is a repair technique suitable for repairing Minor Cosmetic Damage. A Cosmetic Repair involves restoring eligible damaged areas as close as possible back to their original condition, however please be aware that no repair will be identical to the original automotive factory finish.

WHAT ARE THE POLICY LIMITATIONS?

The maximum number of claims that can be made against this policy are 6 claims for a one year policy, 12 claims for a two year policy and 18 claims for a three year policy.

Any one claim is limited to one Minor Cosmetic Damage repair.

HOW LONG DOES THE POLICY LAST?

Cover under the policy will end on the earliest of the following dates:

  • The date stated on Your policy Schedule;
  • The date on which You dispose of, or transfer ownership of the Vehicle to another party, regardless of whether or not You inform the Administrator;
  • The date You cease to reside in the United Kingdom.

Please note: this policy is not transferable to another vehicle.

HOW DO YOU COMPLAIN?

We aim to provide a high level of service to our customers and to assess claims fairly and promptly. If You have an enquiry or complaint regarding this insurance, You should first contact the Administrator on 0344 573 8187, or in writing to: The Customer Services Manager, Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG. You can also email complaints@carcareplan.co.uk. Please quote Your policy, claim number or the Vehicle registration number in all correspondence.

In the unlikely event that the matter is not resolved to Your satisfaction You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial

Ombudsman Service website www.financial-ombudsman.org.uk or write to:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Telephone: 0800 023 4567 Mobile: 0300 123 9123.

WOULD I RECEIVE ANY COMPENSATION IF THE INSURER WERE UNABLE TO MEET ITS LIABILITIES?

Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit.

For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk or call 0800 678 1100 or 0207 741 4100.

DATA PROTECTION AUTHORISATION STATEMENT

In processing and managing this agreement, the Administrator will collect, transfer and store the information You have provided in their secure servers based in the United States of America (USA).

The Administrator has taken measures to ensure that there is an adequate equivalent level of protection of Your information in the U.S.A. in accordance with legislation in the United Kingdom.

In compliance with the Data Protection Act 1998, You are entitled to ask the Administrator to amend their records about You if they are not correct, and You may request a copy of the information the Administrator holds about You by applying in writing addressed to: Compliance Officer, Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG or by emailing CCPH_DPA@carcareplan.co.uk. There may be a charge of £10 for this service.

OTHER IMPORTANT INFORMATION

This policy is governed by English Law.

Language: All communication between You and Us will be conducted in English.

In accordance with the Disability Discrimination Act 1995 We are able to provide, upon request, audio tapes and large print documentation. Please advise Us if You require any of these services to be provided so that We can communicate in an appropriate manner.

CANCELLATION RIGHTS AND REFUNDS

CANCELLATION AND COOLING-OFF PERIOD

You have the right to cancel this policy within 30 days from receipt of your policy documentation or from the start date whichever is the later, by contacting the person from whom you purchased the policy. You are eligible for a refund of any premium you have already paid, unless you have already made a claim under your policy.

If you wish to cancel after 30 days, you may cancel your policy at any time and receive a pro rata refund of your premium based on the number of whole months remaining subject to the deduction of a cancellation fee of £35. Requests for cancellations should be made by contacting the administrator on 0344 573 8187, or in writing to: Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.

Please allow up to 28 days for your cancellation and refund to be processed.

MAKING A CLAIM

If your vehicle is damaged, you should call AutoTrust Cosmetic Repair Insurance on 0344 573 8187 within 30 days of the damage occurring to make a claim against your AutoTrust Cosmetic Repair Insurance policy.

To make a claim on your AutoTrust Cosmetic Repair Insurance policy, please follow the process below:

STEP 1: Contact AutoTrust Cosmetic Repair Insurance on 0344 573 8187. Please have your policy number and policy document to hand.

STEP 2: AutoTrust Cosmetic Repair Insurance might ask you to provide digital photos of the damage. You can use your smartphone or digital camera to send photos and AutoTrust Cosmetic Repair Insurance will advise you how to forward them.

STEP 3: AutoTrust Cosmetic Repair Insurance will appoint an approved technician to carry out repairs for any valid claim.

STEP 4: The technician will contact you directly to make arrangements for the repair to be carried out.

STEP 5: The damage to your car will be repaired.