effected by Car Protect.

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 Car Protect customer services on 08707 559 666, or clarify them with Your sales executive. We will be happy to help.

This Insurance is underwritten by Echelon Insurance Company Limited (the Insurer), whose address is PO Box 472, 50 Town Range, Gibraltar. Registered number 65353 under contract of insurance number EIC2469000, and effected through Car Protect (the administrator for the Insurer).

Car Protect 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 Component cover, Period of Cover and maximum Claim Limits will be as stated on the Insurance Schedule. 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 11. '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).	No claim will be rejected on the grounds of Wear and Tear where the Insured Vehicle has covered less tham 60,000 miles or is under 5 years old at the time of the claim.
i).	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 £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.
6. No excess.
   

Your Insurance will not cover

1. Components other than those specifically listed in the 'What is covered' section of Your Insurance document.
2. General maintenance and Components failing due to Wear and Tear.
3. Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturer's recall.
4. 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.
5. Improper use of the Vehicle, neglect or abuse of any kind, or drive on damage after a fault has occurred.
6. Faults which were on the Vehicle at the time of purchase, or caused by poor servicing or previous repair.
7. Consequential damage, caused by the failure of Components not covered by this Insurance, or to Components not covered by this Insurance.
8. Any repairs not authorised by Us prior to the repair work being carried out.
9. Any costs other than those specifically agreed and authorised by Us.
10. Adjustments, the cleaning of Components or 'refacing' costs (e.g. skimming or honing) and diagnosis.
11. Costs in excess of the equivalent UK specification Vehicle, if Your Vehicle has been imported.
12. The failure of Components due to lack of routine or regular maintenance.
    

Cancellation

1. You may cancel this Insurance within 14 days of the Conclusion Date. 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 this time You may cancel Your Insurance at any time but no refund of premium is available.
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 747401, or by e-mail to customerservices@carprotect.co.uk. Alternatively write to them at Car Protect, 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 Head of Customer Care, Echelon Insurance Company Limited, PO Box 472, Town Range, Gibraltar, 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