TYRE INSURANCE

Introduction

Your new car is probably your pride and joy. We want to help you keep it that way and AutoTrust Tyre Insurance can help save you money.

How can AutoTrust Tyre Insurance help?

Accidental tyre damage is an everyday reality. Driving over glass or a nail, hitting a pothole or kerb, or even where a tyre suffers from malicious damage can result in a tyre having to be replaced. Keeping your tyres in perfect condition is vital to your safety, as well as to your budget.

Modern tyres can be expensive

Although sometimes a tyre can be repaired, it isn’t always an option which is why AutoTrust Tyre Insurance is the perfect way to keep your car on the road.

Who can apply?

AutoTrust Tyre 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
  • The tyres fitted to the car are of the original manufacturers specification and have a minimum of 2mm tread depth across the full tread of the tyre
  • The vehicle is used only for social, domestic, pleasure and commuting to and from a place of work.

This document contains some important facts about your AutoTrust Tyre 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.

Insurer

AutoTrust Tyre Insurance is provided by UK General Insurance Limited, 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.

Eligibility

You are eligible for this cover if at inception:

  • Your vehicle is less than 8 years old and has covered less than 80,000 miles
  • Your tyres must have a minimum of 2mm tread depth across the full tread area of the tyre
  • The wheels fitted to the vehicle are of the manufacturer’s original specification

What is AutoTrust Tyre Insurance?

AutoTrust Tyre Insurance protects you against the unforeseen costs of having to replace or repair the tyres on your vehicle prematurely, as a result of accidental damage, puncture or malicious damage by a third party, resulting in the sudden and unforeseen deflation of a tyre or for sidewall damage that does not immediately lead to sudden deflation provided that the tyre is deemed illegal by UK MOT testing standards, subject to the terms, exclusions and conditions as detailed in your policy document. Tyre Insurance covers the cost of replacement or repair of up to four tyres fitted to Your Vehicle and one spare tyre.

This policy has a maximum claim limit per tyre of either £125 or £300 including VAT for standard tyres, depending on which policy type has been chosen and £450 including VAT for run-flat and prestige tyres. You may claim for up to 5 tyre(s) during the policy period.

What is not covered (see “What is not covered” in your policy document)

This insurance will not cover the following:

  • Tyres with a minimum tread depth of less than 2mm across the full tread area of the tyre
  • Unevenly worn tyres caused by defective steering geometry outside manufacturer’s recommended limits, or wheel balance; failure of a suspension component or shock absorber
  • Tyres supplied or fitted by an entity other than an authorised dealer
  • Losses or damage to any other components of your vehicle arising from a claim
  • Certain vehicles are excluded, for example, taxis, vehicles used for hire and reward, vehicles used for competition/racing, or commercial vehicles over 3.5 tonnes

Making a claim (see “How to make a claim” in your policy document)

In the event of any loss or damage which may give rise to a claim, you must follow this procedure:

  • Telephone the tyre insurance claims line on 0344 573 8002
  • Outside of normal claims office hours, where you are also unable to arrange for your supplying dealer or another authorised dealer to assess and repair/replace your tyre, you must retain the damaged tyre/s for inspection for one calendar month to allow inspection by a qualified engineer
  • For malicious damage, report the incident to the police and obtain a crime reference number
  • Please take your vehicle to your supplying dealer, who will complete the repairs and process the claim on your behalf

How to make a complaint

We hope that you will be pleased with the service We provide. In the unlikely event of a complaint, You should contact the administrator in the first instance on 0344 573 8002, 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 us at complaints@carcareplan.co.uk

If it is not possible to reach an agreement, 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

This complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority trading standards service or citizens advice bureau.

This product also conforms to the Motor Industry Code of Practice for Vehicle Warranty Products. For more information on the Code

Governing Law

This policy is subject to English law unless otherwise agreed.

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 have made a claim under your policy and the claim has been paid, you will be asked to return the value of the claim to the Administrator.

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 8002, 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.

Financial Conduct Authority and Prudential Regulation Authority

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.

Financial Services Compensation Scheme

We are 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. 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 us to amend our records about you if they are not correct, and you may request a copy of the information we hold about you by applying to us 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.

We may charge you the statutory fee of £10 for this service.