MOT, Alloys & Misfuel Insurance

MOT

Cover for £750 (inc VAT) for the following items during the period of insurance where a MOT failure certificate is issued and lists one or more of the following as a reason for failure:

• Lighting equipment
• Steering and suspension
• Brakes
• Seats and seatbelts
• Fuel system
• General items

Alloy Wheels

Cover for £1000 (inc VAT) for accidental damage to your alloy wheels during the period of insurance within the Territorial limits.

• Maximum of £250 if any alloy wheel cannot be repaired cosmetically and effectively;

Misfuel

The insurer will repair or replace the parts listed and also labour costs at the agreed approved repairer rate, up to the policy limit of £2500, Cover includes:

• fuel pumps;
• fuel filters
• fuel pressure rail/pipes;
• fuel injectors (if replacement recommended by manufacturers)

• Items subject to wear and tear including but not limited to tyres in respect of MOT cover;
• The cost of the MOT Test and any re-test;
• The first £25 of each and every claim for Alloy Wheels
• Vehicles over 3.5 tonne are excluded in respect of Alloy Wheels cover;
• Non-standard, after market or diamond cut alloy wheels
• Split rim alloys or chrome effect alloys;
• Vehicles that use bio diesel, ethanol, red diesel, autogas (LPG), leaded fuel (4 Star), or other nonstandard fuel are not covered by the misfuel section
• A deliberate or wilful act

Yes, there is a £25 Excess payable when you claim on the alloy wheel section.

The following Vehicles are not covered by this policy:-

• All American, Australian and Canadian vehicles (unless built for the UK market)
• Stretched limousines; Aston Martin; Bentley
• BMW ‘M’ series; Bristol; Bugatti
• Caterham; Daimler 12 cylinder models
• De Tomaso; Ferrari
• Ford Cosworth models
• Hummer; Jaguars exceeding 4000cc
• Kit cars; Lamborghini
• Lancia Delta Integrale/8.32 Models
• LCC Rocket; Lotus; LPG powered vehicles
• Marcos; Maserati; McLaren F1
• Mitsubishi 3000 GT; Morgan
• Nissan 300ZX/Skyline; Noble M10
• Panther; Porsche other than Boxster models
• Rolls Royce; Rotary engine vehicles
• Subaru SVX / Impreza WRX,TVR,
• Venturi; Westfield,
• Service vehicles (police, ambulance etc);
• Vans with a carrying capacity exceeding 3500kg
• Taxis and buses and HGV vehicles
• Any vehicle used for Hire & Reward, dispatch and courier work.
• Commercial Vehicles over 3500kg or not listed in glasses guide
• Moped, scooter and Motorcycle.

split rim alloys or chrome effect alloys are not covered under the Alloys section.

At the start date of your policy, your vehicle must have at least 90 days of its current MOT remaining or if the vehicle is under 3 years of age be more than 90 days away from the first MOT test

• For MOT the insurers liability is binding for 30 days before and after the MOT date on the previous VT20 certificate
• All claims have to be notified to us and authorised prior to any expense being incurred;
• The vehicle must be free from any pre-existing faults at time of inception of this policy
• Should the insurer need to dismantle the vehicle or a covered component to determine the validity of a claim, you must authorise us to do so. Any costs incurred will only be met as part of a valid claim
• Repairs under this policy can only be carried out by our approved repairer
• The claims department can specify the use of guaranteed exchange or factored parts. The liability for claim will be limited to the cost of these

You are covered in respect of Alloy Wheels, Scratch Dent and Misfuel for the vehicle listed on the schedule located in the United Kingdom, Northern Ireland, Channel Islands and the Isle of Man.

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