x167223 mb&g p1 vw.qxp x167223 mb&g p1 vw 05/08/2016...

CaravanCare

MECHANICAL & ELECTRICAL BREAKDOWN INSURANCE FOR NEW AND USED CARAVANS

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x167223_MB&G_p1_vw.qxp_x167223_MB&G_p1_vw 05/08/2016 09:31 Page i

x167223_MB&G_p1_vw.qxp_x167223_MB&G_p1_vw 05/08/2016 09:31 Page ii

EXTENDED WARRANTY POLICYFOR ANY MAKE OF NEW ORUSED TOURING CARAVAN

Dear Customer

Thank You for buying Your Caravan. Whether You are a new or experienced owner, Wehope you will have many years of pleasure in joining the ever growing band of peoplewho choose to spend their leisure time in a Touring Caravan.We believe that comprehensive and effective after sales support is vital in today’smarket.Your policy is designed to reaffirm our commitment to You, may You never have to useit, but the peace of mind it gives You enables You to enjoy Your leisure time evenmore.Please ensure that You keep Your policy in a safe place and that You have read andfully understood the terms and condition which apply to Your policy.

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Administered by

Cobalt Business Exchange, Cobalt Park Way,Newcastle, NE28 9NZ

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DEFINITIONS

CONTRACT OF INSURANCE

Introduction 1Contents / Definitions / Contract of Insurance 2What is Covered 3Additional Benefits 4Insurance Conditions 5/6Exclusions 7

Greenflag 8/9

How to make a claim 10

Customer Service/Complaints 11

Claim Form 12

CONTRACT OF INSURANCEYour policy has been arranged by MB&G Insurance Services Ltdand is underwritten by UK General Insurance Limited on behalf ofGreat Lakes Reinsurance (UK) SE, Registered in EnglandNo.SE000083. Registered Office: Plantation Place, 30 FenchurchStreet, London, EC3M 3AJ. MB&G Insurance Services Ltd and UKGeneral Insurance Limited are authorised and regulated by theFinancial Conduct Authority. Great Lakes Reinsurance (UK) SE isauthorised by the Prudential Regulation Authority and regulatedby the Financial Conduct Authority and the Prudential RegulationAuthority. This can be checked on the Financial Services Registerat www.fca.org.uk/firms/systems-reporting/register or by callingthem on 0800 111 6768.

CANCELLATIONWe hope You are happy with the cover this policyprovides. However, if after reading this policy, thisinsurance does not meet with Your requirements, please

return it to the Administrator, within 14 days of issue andwe will refund Your premium. You are entitled to cancelthe policy at any time after the 14 day cooling off periodbut no refund of premium will be given. Please contactthe Administrator to arrange the cancellationThe Insurer shall not be bound to accept renewal of anyinsurance and may at any time cancel any insurancedocument by sending 14 days notice to the Insured attheir last known address. Provided the premium hasbeen paid in full the Insured shall be entitled to aproportionate rebate of premium in respect of theunexpired period showing on the insurance. The GreenFlag cover detailed on page 5 and 6 of Your policy bookletform a separate contract and is not provided by GreatLakes Reinsurance (UK) SE. Please refer to the termsand conditions issued by the provider should You need touse the Emergency Assistance Cover.

The words or expressions detailed below have thefollowing meaning wherever they appear in thispolicy and will appear with a capital Letter:ADMINISTRATORMechanical Breakdown & General Insurance ServicesLimited (MB&G), Cobalt Business Exchange, CobaltPark Way, Newcastle Upon Tyne, NE28 9NZ.Telephone 0191 2590647CARAVANIs the Caravan shown on Your Proposal/Schedule.CLAIM LIMITIs the maximum amount that can be claimed on eachindividual claim inclusive of VAT as stated on theProposal Form. Please refer to the relevant section ofYour policy for details of the individual Claims Limits.COVER LEVEL As stated on the Proposal/Schedule.CONSEQUENTIAL LOSS You are not covered for any costs that are directly orindirectly caused by the event which led to Your claimunless specifically stated in Your policy.INSURED/YOU/YOUR Registered owner of the Caravan forming the subjectmatter of this policy and named on the Proposal.INSURER/WE/OUR/US UK General Insurance Ltd on behalf of Great LakesReinsurance (UK) SE.

MECHANICAL BREAKDOWNIs the sudden and unforeseen failure of a coveredcomponent arising from any permanent mechanicalelectrical or electronic defect, causing suddenstoppage of its function, necessitating immediaterepair or replacement before its normal operation canbe resumed. Claims arising solely as a result of Wearand Tear, blockage or normal deterioration inoperating performance are not covered.PERIOD OF INSURANCE Your policy commences on the date of purchase orwith new Caravans on the expiry of themanufacturer’s warranty period. The duration of Yourpolicy is stated on the Proposal form under eachcover option.PROPOSAL The Proposal form and any other informationprovided by the Insured or on his/her behalf. Inconsideration of the Insured having completed aProposal form and the required premium being paidto the Administrator (please note this policy is notvalid until such premiums have been received), theInsurer agrees to indemnify the Insured up to theClaim Limit, subject to the definitions, conditions,exclusions and Period of Insurance.WEAR AND TEAR The gradual deterioration associated with normal useand age of the Caravan and its components.

CONTENTS


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> GOLD PARTS COVEREDIf the Terms and Conditions of this policy are fully complied with the following items will becovered against Mechanical Breakdown. All Electrical and Mechanical components of theInsured Caravan including water ingress and floor de-lamination. (Water ingress and de-lamination expires when the Caravan is 7 years old). The maximum Claim Limit for repairsand / or replacement of the following item shall be limited to £500 (inclusive of VAT):Shower Tray.

Specific ExclusionsTyres, batteries, gas bottles, glass, paint, brightwork and all similar trim and finish. Softfurnishings, carpets, floor coverings, work surfaces and all similar decor. Windows, windowfurnishings, carpets, floor coverings, work surfaces and all similar decor. Windows, windowcatches, stays and associated fittings, blinds, hinges, catches, stays and doors. Replacementof bulbs, fluorescent tubes, fuses and electrical connections and wiring looms. “A” framecovers and wheel spats.

Entertainment/communications systems and connected equipment. Wear and Tear,servicing items and other components subject to routine maintenance. Replacement orrepair of GRP and / or Plastic Panels.

If a part is no longer available, it will be the Insurers responsibility for the cost of the originalfailure only and not the cost of a replacement unit.

SILVER PARTS COVEREDEXTERNAL EQUIPMENTBODY LEAKS (Water Ingress cover expires whenthe Caravan is 7 years old) Water ingress throughany permanently sealed seam or joint, being a partof the original manufacturer’s construction.BRAKING SYSTEMS All mechanical linkage,backing plates, actuators, drums and shoes.Exclusions: This Insurance Policy does not coverdamage to brake drums, shoes or any other faultscaused through misuse of the braking system.CHASSIS All chassis members includingoutriggers.RUNNING GEAR Axles, hubs, hub bearings, hub oilseals, road wheels excluding tyres and tubes.SUSPENSION Springs, hangers, shackle pins,bushes, shock absorbers and mouldings.TOWING MECHANISM All mechanical componentsfitted to caravans excluding electrics.

INTERNAL EQUIPMENTAUXILIARY ELECTRICSMain hook-up inputconnector, ELCB, battery charger and distributionunit, interior lighting units excluding bulbs andwiring.CASSETTE TOILET The cassette toilet is coveredexcluding seats, valves and glands.COOKER The cooker unit including burners, grill,oven and flame failure device and igniter.FRIDGE Door seal, condenser, gas control valve,gas igniter, flame failure device, 12 and 240vselector switches, 12 and 240v heater elements,gas thermostat, 240v thermostat, 240vtemperature control switch.HEATING SYSTEM Thermostat, motor, switches,control unit, gas heater, flame failure device,igniter including ducting and fitting.WATER SYSTEM Water heater gas or electric freshwater tank, waste water tank, water pump, watergauges.If a part is no longer available, it will be theinsurers responsibility for the cost of the originalfailure only and not the cost of a replacement unit.

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ADDITIONAL BENEFITSOvernight Accommodation/Rail Fare

Within the Claim Limit the insurance extends to contribute to the cost of hotel expenses(excluding meals and drinks) up to a maximum of £100 (inclusive of VAT) or a return rail fareup to the same maximum amount occasioned directly as a result of the Caravan beingrendered immobile due to a fault which results in a valid Mechanical Breakdown claim. A VATreceipt will be required in support of any claim under this section.

Continental Use

The policy is valid for a maximum period of 90 consecutive days whilst in use in the Republicof Ireland and mainland Europe. Any claim occurring under this section will be restricted tothe equivalent UK cost for parts and labour operative at the time of the failure.

Transfer Option

Subject to the Insurer’s approval this Policy may only be transferred with the Caravan to anew PRIVATE OWNER. Application must be made at the time of the change of ownership andthe fee of £35 must be enclosed (returnable if the transfer not acceptable). Under nocircumstances can this policy be transferred to another Caravan.

Recovery

Recovery charges up to a maximum of £50 per claim inclusive of VAT will be reimbursed inthe event of a valid claim, providing the failure is of such a nature as to render the Caravanimmobile or dangerous to tow. A VAT receipt will be required in support of any claim underthis section.

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INSURANCE CONDITIONS1. In no case does this policy apply to

Caravans used in any sort ofcompetitions, rallies, or for hire orreward.

2. This policy shall be governed by andconstrued in accordance with the Law ofEngland and Wales unless the Insured’shabitual residence (in the case of anindividual) or central administrationand/ or place of establishment islocated in Scotland in which case thelaw of Scotland shall apply.

3. The Insurer’s liability under this policywill be binding for the period shown onthe Proposal form for each cover optioncommencing on the purchase date ofthe Caravan, or in the case of a Caravanpurchased with a manufacturer'sguarantee or warranty, from the datecommencing immediately after expiryof the manufacturer's guarantee orwarranty period.

4. It is a condition precedent to any liabilityunder this policy that the insuredCaravan shall have undergone a pre-delivery inspection immediately prior todelivery to the Insured and be free fromany inherent defect at the time ofpurchase and that it shall be serviced inaccordance with the manufacturer'srecommended service intervals by agarage registered for VAT, and thereceipt’s retained for inspection. Amaximum allowance of 6 weeks shallbe permitted as a run-over on the duedate of service intervals.

5. During the Period of Insurance theInsurers will repair or replace thoseparts listed under the What is Coveredsection of this policy for parts andlabour (the labour reimbursement issubject to the Administrators approvedrepairer labour rate) up to the ClaimLimit selected on the Proposal form.

It is expressly stipulated that within theClaim Limit, all labour times are inaccordance with the manufacturersscheduled repaired times.

6. Subrogation – the Insurer reserves theright to take over and carry out thedefence or settlement of any claim aftera payment has been made under thispolicy. Legal action may be taken in thename of the Insured to recover paymentfrom a third party made under thispolicy.

7. The Insurer shall not be liable for anyclaim arising thereby or indirectlycaused or contributed by or inconsequence of a loss listed under theheading ‘Exclusions’ on page 4 of thispolicy.

8. The Insured shall take all reasonablesteps to prevent loss or damage to theCaravan and shall observe the terms ofthis policy.

9. In the event of any occurrence givingrise to a claim, the Insured must followthe claims procedure on page 6 of thispolicy.

10. If at the occurrence of a claim thereexists any other insurance whichwould entitle the Insured to indemnitythen this policy shall only contribute itsrateable proportion of such loss.

11. In the event of a claim the Insurerreserves the right to call for acontribution from the Insured forbetterment should the repairedCaravan ultimately be in a bettercondition or have a better value than itenjoyed immediately prior to theoccurrence of the claim.

12. The Insurer reserves the right tosubject the Caravan or failedcomponent to expert assessment.


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13. Where dismantling of the Caravan orcovered component is necessary todetermine the validity of a claim, theInsured must authorise anydismantling. Costs incurred will only bemet by the Insurer as part of a validclaim.

14. The Insurer and/or Administrator maycancel this policy by giving 14 daysnotice by recorded delivery to the lastknown address of the Insured.

15. In the event of a claim and liabilityhaving been rejected by the Insurer, theInsurer shall not be liable for this claimafter the expiry of three months fromthe date of rejection unless within thattime the claim is subject to arbitration.

16. It is expressly agreed and declared thatthe Insurer shall be released from allliability and obligation should theconditions of the policy not be compliedwith fully.

17. If the policy is cancelled outside of thecooling off period for whatever reasonthere will be no refund of premium.

18. The Insurer reserves the right to director redirect a claim to one of itsapproved repairers in order for repairsto be completed. Where the Insuredwishes to nominate a repairer, thelabour content of any claim will belimited to the Administrator’s approvedlabour rate.

19. The Administrator reserve the right tospecify the use of guaranteed exchangeor factored parts. The parts liability forany claim will be limited to the cost ofthese components.

20. All benefits under this policy shall beforfeited and the Insurer andAdministrator shall be released fromall obligations to You if the conditionsand ‘How to make a Claim’ proceduresare not complied with OR a claim madeby You or anyone acting on Your behalfto obtain a policy benefit is fraudulentor intentionally exaggerated; OR a falsedeclaration or statement is made insupport of a claim under this policy.

21. If the Insurer accepts that there is aclaim under this insurance but there isa disagreement in respect of theamount to be paid, the disagreementwill be referred to an arbitratorappointed in accordance with currentstatutory provisions. In thesecircumstances the arbitrator’s awardmust be made before there is any rightof action against the Insurer.

22. The Terms and Conditions andProposal details will be read as onecontract. A word or expression to whicha specific meaning has been attachedwill keep the same meaning whereverit appears unless specifically statedotherwise. A particular word or phrasewhich is not defined will have itsordinary meaning.

23. This policy does not cover any costsrelated to diagnostic work.


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The Insurer shall not be liable for any claimsarising thereby or indirectly caused orcontributed by or in consequence of a loss;1. (a) occurring during the warranty or

guarantee period of any manufacturers orthe dealer’s excess period (if any) or wherefaults have developed during such periodprior to the commencement of the Periodof Insurance (provided they were evident atthat time) and which have not beencompletely rectified or for faults andproblems which should have beendiagnosed and rectified by the sellingdealer in the pre delivery inspection.

(b) resulting from any modification to theinsured Caravan or the substitution ofcomponents by non-standard componentsor equipment not approved by themanufacturer of the Caravan.

(c) caused by or arising from: (i) overheating, corrosion commensurate

with the age of the insured Caravan. (ii) routine servicing maintenance or

repair of the insured Caravan or fromnegligence, abuse or wilful damage.

(iii) the subjecting of the insured Caravanto a load greater than that permitted bythe manufacturer’s recommendations.

(iv) fire, self-ignition, lightning,earthquake, explosion, frost, storm,tempest, flood, water damage, theft orattempted theft, aircraft or other aerialdevices or articles dropped there fromor any extreme cause.

(v) any road traffic accident or collision. (d) involving components subject to recall or

repair or replacement by the manufactureror attributable to a manufacturer’s designdefect.

(e) Any direct or indirect consequence of war,civil war, invasion, acts of foreign enemies(whether war be declared or not),rebellion, revolution, insurrection, militaryor usurped power, or confiscation,nationalisation, requisition, destruction ofor damage to property by or under theorder of any government, local or publicauthority.

(f) Any direct or indirect consequence of:Irradiation, or contamination by nuclearmaterial; or The radioactive, toxic,explosive or other hazardous orcontaminating properties of any radioactivematter; or Any device or weapon whichemploys atomic or nuclear fission or fusionor other comparable reaction or radioactiveforce or matter.

(g) Any direct or indirect consequence ofterrorism as defined by the Terrorism Act

2000 and any amending or substitutinglegislation. We will, however, cover anyloss or damage (but not related cost orexpense, caused by any act of terrorismprovided that such act did not happendirectly or indirectly because of biological,chemical, radioactive or nuclear pollutionor contamination or explosion.

(h) Any consequence, howsoever caused,including but not limited to ComputerVirus in Electronic Data being lost,destroyed, distorted, altered, or otherwisecorrupted. For the purposes of this Policy,Electronic Data shall mean facts, conceptsand information stored to form useable forcommunications, interpretations, orprocessing by electronic orelectromechanical data processing andmanipulation of data, or the direction andmanipulation of such hardware. For thepurposes of this Policy, Computer Virusshall mean a set of corrupting, harmful, orotherwise unauthorised instructions orcode, whether these have been introducedmaliciously or otherwise, and multiplythemselves through a computer system ornetwork of whatsoever nature.

OR FOR2. Any ancillary components or equipment not

listed under the What is Covered section norfor fuel, chemicals, anti-freeze, hydraulicfluids, grease or oils.

3. Investigatory or remedial work commencedbefore authorisation by the Administrator.

4. Costs incurred in routine servicing or repair.5. Any parts which have not failed but have

been reported as requiring replacementduring routine servicing and/or repairs or atthe time an insured repair is in progress.

6. Liability which attaches to the Insured byvirtue of an agreement but which would nothave attached in the absence of suchagreement.

7. Any Caravan owned by the supplying Dealeror its associated companies or by theproprietor of such dealer or associatedcompanies or by an employee or relative ofsuch proprietor or component breakageoccurring whilst the insured Caravan is inthe custody or control of such persons.

8. Any liability for death, bodily injury or loss ofor damage to property other than the insuredcomponents or loss of use or anysubsequent loss of whatsoever nature.

9. Non-compliance with the conditions relatingto the servicing of the Caravan.

10. Any excess payable under this policy.11. Any Consequential Loss e.g. missed ferry

crossings or site fees.

EXCLUSIONS


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24 HOUR SERVICEThere to assist you, 24 hours a day, 7 daysa week, 365 days a year.

ROADSIDE ASSISTANCEShould roadside assistance be required,the HELPLINE will arrange for it at thescene of the accident, failure orbreakdown.

RECOVERY SERVICEThe HELPLINE will arrange for collectionand delivery of your Caravan from thescene of the accident, failure orbreakdown, to the nearest dealer.

HOME SERVICEShould you require assistance at yourhome address, then the HELPLINE canarrange for a local agent to offerassistance or recovery to the nearestdealer.

SECURE STORAGEIn the event of the incident occurringoutside working hours of the nearestdealers, arrangements can be made forthe Caravan to be stored overnight anddelivered to the nearest dealer thefollowing working day.

ALTERNATIVE TRANSPORTThe HELPLINE can arrange for alternativetransport from the scene of the accident,failure or breakdown to the Policy Holder’shome/destination or to a hotel.

HOTEL ACCOMMODATIONFollowing an accident, failure orbreakdown, the HELPLINE can arrangeovernight accommodation at a local hotel.

FREE MESSAGE RELAY SERVICEShould you wish to alert relatives, friendsor business associates of your unexpecteddelay, then the Service will forward up totwo telephone messages.

This is an Emergency Assistance Serviceonly. It will be YOUR (the Policy Holder’s)responsibility to settle all costs incurredwhen using this service. The assistance isfree: You only pay for the services.

THIS HELPLINE MUST ONLY BE USED TO OBTAINASSISTANCE IN THE SERVICES BELOW.Please remember that this is an Emergency Assistance Service only and MUST NOT BEUSED TO MAKE A CLAIM UNDER THE TERMS OF THIS POLICY. It will be Your (the Insured’s)responsibility to settle all costs incurred when using this service. The Assistance is free: Youonly pay for the service. Should the incident be the subject of a claim under the Terms andConditions of this policy, then prior authority MUST be obtained from MB&G ClaimsDepartment (see How to Make a Claim) before repairs commence.

CONDITIONS

GREEN FLAG NATIONAL BREAKDOWN Emergency Assistance Helpline Telephone 0800 400 615


TERMS AND CONDITIONS• This is an Emergency Assistance

service only, irrespective of the natureof the accident, failure or breakdown.

• Whoever is responsible for the PolicyHolder’s Caravan may utilise thisHELPLINE.

• This benefit is transferable with theCaravan, subject to the Terms andConditions being complied with.

• All the services listed can be arranged,but payments for each of the services willbe the responsibility of the Policy Holder.

• Caravans must be kept in roadworthycondition and serviced in accordance withthis Policy’s recommendations.

• Owners will be responsible for ferry ortoll fees should they be incurred duringrecovery operations.

• Whilst all recovery agents/dealersregistered with GREEN FLAG will take allreasonable care with your Caravan, noliability whatsoever in respect of delay,loss or damage to the Policy Holder’sCaravan or contents, will be accepted byMB&G or Green Flag NationalBreakdown.

ExclusionsThe services listed are not available for:1 Caravans used for racing, trials, rallies,

competitive events or for any purposeother than genuine private orcommercial use.

2 Any Caravan whose identificationnumbers have been altered or removed.

3 Accidents, failures or breakdownsoccurring outside Great Britain.

HOW TO USE THE HELPLINEPlease remember that this is an EmergencyAssistance service only and MUST NOT BEUSED TO MAKE A CLAIM UNDER THETERMS OF THIS POLICY. It will be YOUR (thePolicy Holder’s) responsibility to settle allcosts incurred when using this service. TheAssistance is free: You only pay for theservices.

Should the incident occur on a Motorway,then please make your way cautiously to thenearest Police SOS telephone and ask thePolice operator to contact the HELPLINE on0800 800 600, ensure that you pass on all therelevant details of the incident.

Please return to your Caravan until helparrives.

The control centre will, when contacted,request the following information:

1. The telephone number the driver iscalling from, in case connection is lost.

2. Your name, and registration number,make and model of your towing vehicle.

3. The exact location of the accident, failureor breakdown.

4. The nature of the problem that hasresulted in the incident.

5. You will then be asked whether yourequire alternative transport or overnightaccommodation, and the necessaryarrangements will then be made, withyour consent.

6. Up to two telephone messages will betransmitted to your relatives, friends orbusiness associates, advising them of thedelay.

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1. Contact Mechanical Breakdown &General Insurance Services Limited(MB&G), Cobalt Business Exchange,Cobalt Park Way, Newcastle uponTyne, NE28 9NZ. Telephone: 0191 258 8105.

2. Take Your Caravan to the agreedrepairer and obtain an estimate. Therepairer must then telephone MB&Gquoting the policy number, to requesta claims authority number.

3. The authority to dismantle any part orparts must be given by the Insured tothe repairing dealer. On acceptance ofthe claim MB&G will reimburse theInsured with the cost of dismantling aspart of the total claim up to the ClaimLimit of the Policy. However, if ondismantling it should be found that theInsurers have no liability then the costof dismantling must be borne by theInsured.

4. If a claim is authorised, MB&G will giveauthority by means of a specific claimsnumber for the authorised sum. Anyamount, in excess of this amount orany Excess under the policy is theliability of the Insured.

5. On completion of the authorisedrepairs the invoice and a customersigned satisfaction note must besubmitted quoting the claim numberwith a clear indication as to whompayment is to be made. The invoiceshould be fully detailed and indicateparts, labour and VAT. The originalService Invoice(s) must be includedwith the repair invoice if service proofis required.

MB&G Claims Office Telephone Number 0191 258 8105

Please Note These Important Provisions

A. MB&G reserves the right to specify theuse of guaranteed reconditioned orexchange units. The liability for partswill be limited to the cost of theseitems.

B. If the failed item shows a significantdegree of wear, or if the replaced itemimproves the overall condition or valueof the Caravan, a contribution from theInsured may be required in respect ofthe improvement or bettermenteffected by the repair.

C. Unless the repairs are carried out bythe agreed repairer or when serviceproof is required the repairer mayrequest the Insured to settle theamount in full. The Insured shouldthen submit the claim to MB&Gincluding evidence of service history.

D. Where the Insured is VAT registered,the VAT element will not form part ofany claim.

HOW TO MAKE A CLAIMRefer to this document and ensure that the part or partsdirectly causing the breakdown are covered by the Policy.

UK General Insurance Ltd. is an insurers agent and in the matter of a claim act on behalf of the Insurer.

IMPORTANTIt is not possible for the claims office toauthorise any claim without issuing aclaims authority number. No repairs

may commence until explicitlyauthorised by means of such anauthority number. It is therefore

essential that the number be recordedand quoted in all correspondence andrepair invoices relating to the claim.Liability cannot be accepted for anyrepairs undertaken or commencedwithout this authority number.


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It is Our intention to give You the bestpossible service but if You do have anyquestions or concerns about this insuranceor the handling of a claim You should in thefirst instance contact the ManagingDirector of the Administrator. The contactdetails are:

The Managing Director,Mechanical Breakdown & GeneralInsurance Services Limited (MB&G).Cobalt Business Exchange,Cobalt Park Way,Newcastle upon Tyne, NE28 9NZ.

Please ensure Your policy number isquoted in all correspondence to assist aquick and efficient response.

If Your complaint about Your claim cannotbe resolved by the end of the nextworking day, the Administrator will passit to:

Customer Relations Department,UK General Insurance Limited,Cast House,Old Mill Business Park,Gibraltar Island Road,Leeds, LS10 1RJ.Tel: 0845 218 2685Email:[email protected]

If it is not possible to reach an agreement,You have the right to make an appeal tothe Financial Ombudsman Service thisalso applies if You are insured in abusiness capacity but have an annualturnover of less than €2 million and fewerthan ten staff. You may contact theFinancial Ombudsman Service at:

The Financial Ombudsman Service,Exchange Tower,Harbour Exchange Square,London, E14 9SR.Tel. 0800 023 4567

The above complaints procedure is inaddition to Your statutory rights as aconsumer. For further information aboutYour statutory rights contact Your localauthority Trading Standards Service orCitizens Advice Bureau.

FINANCIAL SERVICES COMPENSATIONSCHEME

Great Lakes Reinsurance (UK) SE arecovered by the Financial ServicesCompensation Scheme (FSCS). You may beentitled to compensation from the scheme ifthey cannot meet their obligations. Thisdepends on the type of insurance and thecircumstances of the claim. Most insurancecontracts are covered for 90% of the claimwith no upper limit. Further information isavailable from the FSCS. The FSCS can bevisited on the web at www.fscs.org.uk or bycontacting the FSCS on 0800 678 1100.

DATA PROTECTION ACT (1998)

Please note that any information provided toUs will be processed by Us and Our agentsin compliance with the provisions of theData Protection Act 1998, for the purpose ofproviding insurance and handling claims, ifany, which may necessitate providing suchinformation to third parties. We may alsosend the information in confidence forprocess to other companies acting on theirinstructions including those located outsidethe European Economic Area.

CUSTOMER SERVICE/COMPLAINTS>

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CLAIM FORMIt is essential that any fault with Your Caravan during the Period of Insurance is notified to MB&G Insurance Services as soon as the fault becomesapparent, and before arranging for any repairs to be completed. This will enableMB&G to handle Your claim more efficiently and reduce the time Your Caravan is with the repairer.

You can contact MB&G by phone Tel: 0191 258 8105, Email: [email protected] or by completing this form and sending it toMB&G by Fax No. 0191 258 8104 or posting it to: MB&G Insurance, Cobalt BusinessExchange, Cobalt Park Way, Newcastle upon Tyne, NE28 9NZ.

You should then follow the procedure as detailed on page 10 “How to make a claim”

Name: ...........................................................................................................................

Address: ........................................................................................................................

Daytime Tel: .................................................. Home Tel: ............................................

Mobile: .......................................................... Email: ..................................................

Make of Caravan: ..........................................

Policy No: ......................................................

Date fault first noticed: ................................

Brief description of fault: ..............................................................................................

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Where can the Caravan be inspected if necessary?: ...................................................

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Signature of the Insured: ..................................................... Date: .......................

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0191 259 6378

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0191 259 6378

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The unexpired portion of this policy is transferable upon resale of the Vehicle to a private individual,provided that:

(a) All documentation relevant to this policy has been passed over to the new owner.

(b) The Vehicle has been serviced and maintained according to the policy requirements.

(c) The details below are completed.

(d) This policy together with a cheque for £35 made payable to: MB&G Insurance Services Ltd, is to besent via recorded delivery post, within seven days of transfer to:

MB&G Insurance Services,21/26 Howard House, Howard Street, North Shields, Tyne & Wear NE30 1AR.

Telephone: 0191 259 0647 0191 259 6378

ORIGINAL OWNER’S DECLARATION:

I have sold the Vehicle to:

New Owner: ...............................................................................................................

Address: .....................................................................................................................

....................................................................................................................................

Postcode: ....................................................... Telephone No: ...............................

Recorded mileage at date of transfer: .......................................................................

I enclose with this booklet all servicing receipts to date and I authorise you to returnthem to the new owner after transfer of the policy.

Date: ....................................................

............................................................. .......................................................Insured’s Signature: Signature of New Owner

TRANSFER OF OWNERSHIP

MB&G Insurance Services,Cobalt Business Exchange, Cobalt Park Way, Newcastle NE28 9NZ

Telephone: 0191 258 8156

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The unexpired portion of this policy is transferable upon resale of the Vehicle to a private individual,provided that:

(a) All documentation relevant to this policy has been passed over to the new owner.

(b) The Vehicle has been serviced and maintained according to the policy requirements.

(c) The details below are completed.

(d) This policy together with a cheque for £35 made payable to: MB&G Insurance Services Ltd, is to besent via recorded delivery post, within seven days of transfer to:

MB&G Insurance Services,21/26 Howard House, Howard Street, North Shields, Tyne & Wear NE30 1AR.

Telephone: 0191 259 0647 0191 259 6378

ORIGINAL OWNER’S DECLARATION:

I have sold the Vehicle to:

New Owner: ...............................................................................................................

Address: .....................................................................................................................

....................................................................................................................................

Postcode: ....................................................... Telephone No: ...............................

Recorded mileage at date of transfer: .......................................................................

I enclose with this booklet all servicing receipts to date and I authorise you to returnthem to the new owner after transfer of the policy.

Date: ....................................................

............................................................. .......................................................Insured’s Signature: Signature of New Owner

TRANSFER OF OWNERSHIP

MB&G Insurance Services,Cobalt Business Exchange, Cobalt Park Way, Newcastle NE28 9NZ

Telephone: 0191 258 8156

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CARAVAN CARE

Approved Touring CaravanExtended Warranty Policy

Cobalt Business Exchange,Cobalt Park Way,Newcastle, NE28 9NZ


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