MINI PROTECT MINI EXCESS PROTECTION INSURANCE POLICY HANDBOOK
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1 MINI PROTECT MINI EXCESS PROTECTION INSURANCE POLICY HANDBOOK
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3 CONTENTS Introduction 3 Insurer 3 Important Information 4 1. Eligibility statement 4 2. Paying premiums by instalments 4 3. Cancelling your policy 5 How To Make A Complaint 10 Financial Services Compensation Scheme 10 Data Protection Act 11 Definitions When You Will Be Covered 6 What Is Not Covered 7 Making A Claim 8 General Conditions 9 1. When the cover ends 9 2. Reasonable precautions 9 3. Fraud 9 4. Law applying to the contract 9 5. Rights of parties 9 6. We have the right to do the following 9 1
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5 INTRODUCTION This policy document and your confirmation of cover describe the basis of our legal contract. It is important that you examine them carefully to make sure they meet your needs. Please keep these documents together in a safe place. Please check the eligibility statement on page 4 and your confirmation of cover carefully to ensure the information you have given us is correct. You must tell us if this information is wrong or if it changes. If you don t you might find that you are not covered and we may not pay any claim. If any of the information we have recorded is incorrect or if you have any questions about this insurance, please contact MINI Protect Services by telephone on Lines are open Monday to Friday between 9am and 6pm. In return for paying the premium, we will insure you under the conditions of this policy for an insured incident that takes place during the period of insurance where an excess has been deducted by the insurer of your main insurance policy from their claims settlement. If we explain what a word means, that word has the same meaning wherever it appears in your policy handbook and confirmation of cover. These words are highlighted in bold throughout the policy. We have defined the most common words at the back of this handbook. INSURER MINI Excess Protection Insurance is underwritten by AGA International SA and administered by Mondial Assistance (UK) Limited (trading as MINI Protect Services). 3
6 IMPORTANT INFORMATION The following Important Information applies to the whole of this policy at the policy start date and throughout the policy duration. 1. Eligibility statement By purchasing this policy you have agreed to the following: a. You are over 18 years of age and your permanent place of residence is in the UK, or in the case of a business, is registered and trading in the UK; b. You do not hold any other insurance policy providing equivalent cover. c. Your motor insurance policy was not purchased by a business or company involved in the sale of motor vehicles. d. Your motor insurance is for a car or motorcycle and is not for a vehicle used as a taxi, for hire or reward, as a driving instruction vehicle, as a courier or delivery vehicle or used for racing, rallying or any other competitive event. e. You are the lead name on the motor insurance policy and are named as a person insured on the home and/or contents insurance and travel insurance policy (if this applies). f. You understand that this policy does NOT cover the excess under a single trip travel insurance policy. If you cannot agree to all the above statements or have a query about this cover, please contact MINI Protect Services immediately. Failure to do so will invalidate your policy. 2. Paying premiums by instalments If you pay your premium by direct debit and you do not pay an instalment on the date it is due, this will give us the right to cancel this policy from the date the instalment was due to be paid. We have the right to deduct any instalment you have not paid from any claims payment. If you or we cancel this policy, payment of any outstanding instalment or refund of any paid instalment will be calculated as described under Cancelling your policy on page 5. 4
7 IMPORTANT INFORMATION (continued) 3. Cancelling your policy You may cancel this policy within 30 days of receiving your confirmation of cover. If you have not made a claim, we will refund any premium you have paid. If you cancel after 30 days and have not made a claim, we will provide a pro-rata refund of the premium you have paid for the unexpired period of insurance. We will charge a 15 administration fee for the cancellation. If we have paid a claim you will not be entitled to a refund and you will be required to pay any outstanding premium or any premium instalments you may owe. If you choose to cancel your insurance, simply return the confirmation of cover marked cancelled to: MINI Protect Services, PO Box 1852, Croydon, CR9 1PW. Alternatively, contact MINI Protect Services on Lines are open Monday to Friday between 9am and 6pm. We may cancel this policy at any time by giving you 30 days notice in writing to the address shown on your confirmation of cover. A pro rata refund may be made at our discretion and in such instances no administration charge will be made. 5
8 WHEN YOU WILL BE COVERED Claims excess if you are deemed at fault We will pay up to the amount shown on your confirmation of cover (but no more than the annual aggregate limit) for the excess that you are responsible for following the successful settlement of a claim under your main insurance policy. This will only be done when we are in receipt of the final claim settlement letter relating to your main insurance policy. Claims excess if you are deemed partially at fault or not at fault (motor insurance claims only) We will pay up to the amount shown on your confirmation of cover (but no more than the annual aggregate limit) if you are deemed partially at fault or not at fault and your excess is not recovered from the third party or the third party s insurer within 6 months from the date of incident. Note Cover only applies when: - the claim amount on your main insurance policy is more than the excess; - the claim you submitted on your main insurance policy was successful. Once the annual aggregate limit has been reached, no further payments will be made on this policy and the excess deductions will then become your responsibility. 6
9 WHAT IS NOT COVERED 1. Any claim where: a. the claim amount on your main insurance policy is less than the excess; b. the claim you submitted on your main insurance policy has not been fully assessed or has been refused. 2. Any claim under your motor insurance where the motor vehicle is being used: a. for commercial use; b. for hire and reward; c. for any purpose in connection with the motor trade; d. in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event. 3. Any claim under your main insurance policy which occurred before the period of insurance or that you were aware was an imminent claim. 4. Any contribution or deduction from the settlement of your claim under your main insurance policy other than the excess. 5. Any liability you accept by agreement or contract, unless you would have been liable anyway. 6. Any claim: a. notified to us more than 31 days after the successful settlement of your claim under your main insurance policy; b. that has been waived or reimbursed; c. under your motor insurance arising from glass repair or replacement; d. arising from breakdown or misfuel; e. arising from single trip travel insurance policy. f. unless you and any named driver hold a current full and valid UK driving licence, or hold a full internationally recognised licence. 7. Any claim resulting from: a. war, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion, rebellion, revolution, insurrection, military force, coup d etat, terrorism or weapons of mass destruction (for example nuclear, chemical or biological); b. ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment. Please refer to the General Conditions and Making A Claim sections that also apply. 7
10 MAKING A CLAIM To obtain a claim either: Download a claim form by visiting or Contact us by telephone on Lines are open Monday to Friday between 9am and 6pm or Write to us at: MINI Protect Services, PO Box 1852, Croydon, CR9 1PW. Please quote the policy number shown on your confirmation of cover. In order for us to handle your claim quickly, you should provide the following information and documents, and include as much detail as possible. Please keep photocopies of all information you send us. The policy number shown on your confirmation of cover. A letter from the insurer of your main insurance policy showing details of the claim settlement and the excess they have deducted. Details of any other insurance you may have that may cover the same loss, such as insurance with your bank account or credit card. As much evidence as possible to support your claim. 8
11 GENERAL CONDITIONS 1. When the cover ends Your policy will end if your main insurance policy is not maintained, current or valid. It is valid for the fixed duration as notified in the confirmation of cover and we will not therefore invite renewal prior to or upon expiry. 2. Reasonable precautions You must take reasonable care to protect yourself and your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim. 3. Fraud If you or anyone acting on your behalf makes a claim which is at all false or fraudulent or supports a claim by a false or fraudulent document, device or statement, this policy shall be void and you will lose all benefit and premiums you have paid for the policy. In such circumstances, we retain the right to keep the premium and to recover any sums paid by way of benefit under the policy. If you fraudulently provided us with false information, statements or documents we may record this on anti-fraud databases, we may also notify other organisations. 4. Law applying to the contract Unless we agree otherwise: a. the language of the policy and all communications relating to it will be English; and b. all aspects of this contract of insurance, including negotiation and performance, are subject to English law and the decisions of the English courts. 5. Rights of parties A person or company who was not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 or any subsequent legislation to enforce any term of this policy, but this does not affect any right or remedy of a third party which exists or is available apart from such Act. 6. We have the right to do the following a. Take over and deal with, in your name, any claim you make under this policy. b. Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms, which will help us to recover any payment we have made under this policy. c. Not to pay any claim on this policy for any amounts covered by another insurance or by anyone or anywhere else. In these circumstances we will only pay our share of the claim. d. Only provide the cover in this policy if you have complied with the terms and conditions of both this policy and your main insurance policy, (if these apply). 9
12 HOW TO MAKE A COMPLAINT MINI Protect Services aim to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will always confirm to you the receipt of your complaint within five working days and do our best to resolve the problem within four weeks. If we cannot, we will let you know when an answer may be expected. If we have not sorted out the situation within eight weeks we will provide you with information about the Financial Ombudsman Service. Should you wish to make a complaint, please contact: Head of Customer Support, MINI Protect Services, 102 George Street, Croydon, CR9 6HD. Phone: Lines are open Monday to Friday between 9am and 5pm. Using this complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights. FINANCIAL SERVICES COMPENSATION SCHEME For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS, telephone number or , or by visiting their website at The FSCS provides protection for 90% of the claim, with no upper limit. 10
13 DATA PROTECTION ACT Information about your policy may be shared between BMW Financial Services, AGA International SA and Mondial Assistance (UK) Limited. You should understand the information you provide will be used by us, our representatives, the insurer, other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. Your personal details may be transferred outside of the EU. They will at all times be held securely and handled with the utmost care in accordance with all principles of English law. DEFINITIONS When the following words and phrases appear in the policy document, they have the meanings given below. These words are highlighted by the use of bold print. Annual aggregate limit The maximum amount payable during any period of insurance as shown on your confirmation of cover. Commercial use Use of the motor vehicle as a taxi, minicab, limousine, driving instruction vehicle or while being used for work purposes including the transportation of light goods for selling purposes such as door-to-door sales. Confirmation of cover The document that shows your name, details of the level of cover you have chosen and any special terms or conditions that may apply to this policy. Excess The deduction that is made from the amount otherwise payable by the insurer of your main insurance policy. Home and/or contents insurance Your insurance policy covering the buildings and outbuildings of your main residence and/or its contents, which is issued by an authorised and regulated UK insurer. Imminent claim An incident that could give rise to a claim under this policy that you are or were aware of before the start date of this policy that was to be or had just been reported under your main insurance policy. Incident A claim occurrence under your main insurance policy during the period of insurance. Insurer AGA International SA. Main insurance policy One of the following policies: your motor insurance, home and/or contents insurance or annual multi-trip travel insurance. 11
14 DEFINITIONS (continued) Main residence The place where you and your family live in the UK; where you spend most time and is the property shown on your home and/or contents insurance. Motor insurance Your insurance policy covering your motor vehicle for social, domestic, pleasure and/or commuting use by you and/or a named driver(s) which is issued by an authorised and regulated UK insurer. Motor vehicle One of the following vehicles that you either own or are authorised to drive: A car (not including invalid carriages) made to carry no more than seven passengers and their belongings. A motorcycle. Named driver(s) Any driver other than you, who is allowed to drive your motor vehicle under the terms of your motor insurance. Partner An adult who has been permanently living with you at the same address for more than six months (who is not a relative). Period of insurance The period between the start date and the expiry date shown in your confirmation of cover. Statement of fact A document which confirms the information you have given. Travel insurance Your annual multi-trip insurance policy that covers you while travelling within the UK or abroad, which is issued by an insurer that is authorised and regulated by the Financial Conduct Authority. Waived/reimbursed The situation where the excess shown in the schedule of your main insurance policy has not been deducted from the final claim settlement. We/us/our Mondial Assistance (UK) Limited (trading as MINI Protect Services) which administers the insurance on behalf of the insurer. You/your/person insured The person named on your confirmation of cover for which the appropriate insurance premium has been paid. 12
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16 MINI Excess Protection Insurance is underwritten by AGA International SA and is administered in the UK by Mondial Assistance (UK) Limited (trading as MINI Protect Services), Registered in England number Registered Office 102 George Street, Croydon CR9 6HD. Mondial Assistance (UK) Limited is authorised and regulated by the Financial Conduct Authority. AGA International SA is duly authorised in France and the United Kingdom and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority. Mondial Assistance (UK) Limited acts as an agent for AGA International SA for the receipt of customer money, settling claims and handling premium refunds. This document is available in large print, audio and Braille. Please phone and we will be pleased to organise an alternative version for you. 6218MIN 1215
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