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Premier Care In-Home Warranty

Our Premier Care Mobility Warranty and Accidental Damage policy is designed for owners of mobility equipment for use in the home such as beds, chairs and stair lifts and provides insurance protection in the event of accidental damage, including damage following accidental mechanical or electrical breakdown Cover is available on both new and used equipment. The cover on new products commences immediately after the manufacturer’s guarantee expires and you will be given the option of insuring for either 12, 24, 36 or 48 months. The cover for used products is for 9 months, commencing 3 calendar months after the equipment has been purchased. Prior to expiry, policies for both new and used products will be offered renewal for a period of 12 months.

This document includes a general summary of the insurance provided by the policy. For precise details of cover, including the conditions and exclusions that apply, the policy document should be referred to. A copy will be supplied upon request For mobility equipment purchased new, you will have the option of insuring Material Damage for 12, 24 or 36 months. For used mobility equipment, you will normally be allowed to take out this insurance for a period of 12 months only. Prior to expiry, all policies will be offered renewal for a period of 12 months only

Warranty

Mechanical or electrical breakdown of your equipment whilst in the UK, the Channel Islands or the Isle of Man and elsewhere in the world (subject to prior notification) for up to 30 days in any one year of insurance.

Basis of Settlement Insurers will pay in respect of the equipment:

1. Less than 3 years old at their option the cost of repair to or replacement of the equipment in either case to a condition equivalent to or substantially the same as but not better or more extensive than its condition when new
2. More than 3 years old the cost of repair or replacement on the basis of indemnity.
3. The maximum amount payable will not exceed the sum insured, which, unless specially agreed, will be the purchase price.

Exclusions Apply

• A number of exclusions apply, the ones most specific to the equipment being as follows:

The policy excludes any breakdown incurred:

• During the manufacturer’s supplier’s or any other warranty or guarantee period
• In respect or as a result of any equipment or part thereof that is the subject of a manufacturer’s Recall or modification
• Whilst the equipment is used for commercial or other non-domestic purposes
• In respect or as a result of routine maintenance servicing cleaning overhaul or modification
• Where no fault is found with the equipment.

The policy excludes breakdown as a result of:

• Any means external to the equipment theft or attempted theft or any intentional act
• Wear and tear corrosion rust contamination gradual deterioration defective workmanship or misuse
• Strikes or industrial action
• Disregard of the manufacturer’s operating or user maintenance instructions
• Modification or servicing not in accordance with manufacturer’s instructions
• Incorrect installation modification or maintenance of electricity supplies used to provide power to the equipment
• Suspension or termination of any mains services due to any act failure or default by you or other persons
• Gaining access to or working upon the equipment.

The policy shall not apply:

• If any part or component is no longer available or is out of manufacture
• In respect of plugs fuses springs batteries off board battery chargers light bulbs light covers paintwork trim cables filters attachments seat covers or any other consumables framework bodywork external accessories stair lift tracking or stair lift trailing cables
• For more than one repair to (or replacement of) any one part of the equipment

Accidental Damage

Insured Event
Loss or damage to the equipment by any accidental cause whilst within your private dwelling.

Basis of Settlement

Insurers will pay in respect of the equipment:

Exclusions or Limitations

A number of exclusions apply, the ones most specific to the equipment being as follows:

• Loss or damage due to manufacturing defect, wear and tear, gradual deterioration, corrosion, rust, contamination, electrical or mechanical breakdown, defective workmanship or misuse
• Any process of cleaning altering servicing or repairing
• Theft due to loss of the equipment by deception
• Damage resulting in staining of the equipment which cannot be removed by a professional cleaning contractor
• Burns or scorching caused by cigarettes cigars or tobacco pipes or lighted materials used in connection therewith
• Scratching or denting unless such damage affects the normal operation of the equipment
• Damage caused by animals

General

Notification of Claims If you need to notify insurers of a claim, or of any circumstances or incident that may cause a claim, you should contact us at:
Mark Bates Ltd
Premier House
Harlaxton Road
Grantham
NG31 7JX

Telephone: 01476 593887 You should immediately report to the police any incident involving theft, malicious damage, vandalism or loss of property.

If you have not recieved your policy documentation through the Post within 10 days of forwarding your registration card please call 01476 593887

The policy document provides full details of the action you should take in the event of a claim.

Notification of Claims

Language

The policy and associated documentation and all information relating to this insurance communicated to you shall be in the English language.
Law

There is a choice of law applicable to this insurance, but unless otherwise agreed between you and insurers, English Law will apply.
Insurers

The following insurers underwrite the insurance described herein:

Cedar Insurance Company Ltd in respect of Material Damage.

Great Lakes Reinsurance (UK) PLC (whose authority is granted under contract number B0407INC19206) in respect of Personal Liability.
Cancellation

You have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day on which you receive your policy documentation, whichever is the later.

Otherwise, you may cancel the policy at any time and insurers will allow a refund of premium paid in accordance with its short period rates in force at the time of cancellation.

No refund of premium will be allowed if a claim has occurred during the insurance period.

We may cancel this insurance on behalf of insurers by sending 14 days' notice to your last known address. We will work out the premium for the period we have been insuring you and refund any difference.
Compensation Scheme Rights

In the event that the insurers are unable to meet their legal obligations under this insurance, you may be entitled to apply for compensation under the Financial Services Compensation Scheme.
Complaints Procedure

It is always our intention to provide you with a first class standard of service. However, if you are unhappy in any way and wish to make a complaint, in the first instance please contact us at:
Mark Bates Ltd
Premier House
Harlaxton Road
Grantham
Lincolnshire
NG31 7JX

Should the matter not be resolved to your satisfaction, a more formalised complaints procedure will be found in the policy document, or on request.

Ultimately, if your enquiry or complaint cannot be resolved, the laid down procedure will refer you to the Financial Ombudsman Service.

Mark Bates Ltd and the insurers mentioned herein are authorised and regulated by the Financial Services Authority.

Terms of Buisness in Respect of Insurance Mediation Services

Introduction

This terms of business comes into force on the date you receive it from us and will remain in force until you are provided with revised terms.

In connection with certain mobility products that we provide for your peace of mind we include certain insurance cover(s) which we arrange at no additional cost to you through Mark Bates Limited.

In respect of such insurance contracts we will only arrange the initial cover, any mid-term alterations and renewal processing will be dealt with by Mark Bates Ltd.

This terms of business provides you with important information in respect of our insurance services and should be read in conjunction with the other documentation that will be issued to you in respect of specified insurance contracts.

This terms of business only relates to our insurance mediation services.
Our status

We are an Appointed Representative of Mark Bates Limited of Premier House, Harlaxton Road, Grantham, Lincolnshire, NG31 7JX who are authorised and regulated by the Financial Services Authority in respect of insurance mediation activities.

Their FSA number is 308390. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

The FSA is the independent watchdog that regulates financial services.
Effecting the insurance contracts

At the time you purchase your mobility product(s) from us we will, where we have agreed to do so, effect the specified insurance cover(s) in respect of the specified products.

The provision of such insurance(s) is wholly dependent upon you purchasing the specified mobility product(s) at the agreed price.

To enable us to effect such insurance covers for you it may be necessary for you to provide us with certain information and/or complete an application form.

We reserve the right to decline to provide the specified insurance(s) in the event that you do not provide us with any information that we may require or do not complete an application form when asked to do so.
Cost of insurance

The insurance cover(s) that we have agreed to include with your mobility product(s) are being provided to you at no additional cost to you.
Details of insurance cover(s)

Details of the insurance cover(s) that we have agreed to include with the purchase of your mobility product(s) will be set out in Key Facts Policy
Summary documents that are produced by the insurer(s).

We will provide you with these documents at the time you complete the purchase of your mobility product(s).

A policy document will be issued to you by Mark Bates Ltd in respect of any insurance policies that we have included with your mobility product(s).

Your policy documentation will confirm the basis of the cover and give details of the insurers.

You should keep policy documents safe as they contain important information about the insurance cover that is being provided as well as what to do in the event that you need to make a claim.
Cancellation Rights

Even though the insurance is being provided to you at no additional cost you do have the right to cancel it.

Policies can be cancelled from the date that they come into force provided that you notify Mark Bates Ltd within 14 days of the date of receipt of confirmation of cover.

In the event of cancellation there is no entitlement to any refund. Mark Bates Ltd contact details are provided above under the section headed "Our Status".
Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy and when you renew your insurance.

It is important that you ensure that all statements you make on any application form, claims forms and any other documentation are full and accurate.

Please note that if you fail to disclose any material information or change of circumstances to your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.

We strongly recommend that the information you provide is checked thoroughly prior to submission and that you keep a record of all correspondence in relation to the arrangement of your insurance cover(s).
Claims

You must notify Mark Bates Ltd and/or your insurer promptly of any claims.
Complaints

We take all complaints seriously.

If you wish to register a complaint in respect of these insurance arrangements then please contact: The Compliance Officer, Mark Bates Ltd, Premier House, Harlaxton Road, Grantham, Lincolnshire, NG31 7JX. Telephone: 01476 591104.

Your complaint will be acknowledged in writing and you will be told how it will be handled.

If we are unable to settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

A copy of the complaints procedure is available upon request.
Compensation

We are covered by the Financial Services Compensation Scheme (FSCS) in respect of insurance mediation activities only.

You may be entitled to compensation from the FSCS if we cannot meet our obligations.

This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.
Confidentiality

All personal information held by us in relation to you will be treated with the utmost confidence and, where appropriate, in accordance with data protection legislation, including the Data Protection Act 1998.

You confirm that we may use and disclose information that we have about you in the normal course of arranging and administering your insurance.
Governing law

This terms of business shall be governed by and construed in accordance with, the Laws of England and Wales and the parties submit to the exclusive jurisdiction of the courts of England and Wales.