Extended Warranty
1. Demands and Needs Summary
Covers the cost of repair or replacement (including labour) of any covered components for the sudden or unforeseen failure of mechanical and electrical components on the vehicle unless such components fail due to negligence or reaching the end of their working life due to deterioration. There are some components and parts which are excluded from the cover, and these are all listed under ‘excluded parts’ in the terms and conditions.
If your vehicle was to suffer a mechanical or electrical failure, would you wish to have the benefit of a policy to protect against such sudden and unforeseen failure?
2. Eligibility
Your vehicle must;
Be less than 10 years old and have less than 100,000 miles on the odometer at the start date of the policy.
Have been serviced by a VAT registered garage within 12 months before the policy start date (We may require a stamp in the service book or VAT invoice as evidence of this service).
Continue to be serviced and maintained in accordance with the manufacturer guidelines for the period of cover. Your vehicle must be serviced at intervals recommended for the make, model and age of vehicle (details can be found in your vehicles service book). For completion of a service, we will allow a maximum of 1000 miles or 1 month leeway on either side of the stipulated time (whichever occurs first).Be built to and not be modified outside of UK manufacturer’s specifications.
Not be used for hire or reward, professional instruction, competition or off-road use, motor rally, track days, speed or duration tests any practice, or participation in, any event or sporting event whether they are timed or untimed;
Not be a vehicle used in public service capacity, for example for the police force, military, emergency or fire service
Not be beneficially owned by a company or person involved in the business of vehicle repair, servicing, dealership or by an employee of such a company or person;
Not be used as a commercial vehicle or otherwise for commercial use
Not be a vehicle with gross weight of more than 3.5 tonnes.
3. Benefits Of Cover
Mechanical Breakdown: We will pay for the replacement of covered parts and labour in the event of sudden and unforeseen failure.
Claim Limit: The policy is limited to labour and parts costs up to the repair value shown on your schedule for each occasion on which a claim is provided. The total aggregate claim limit is the purchase price of the vehicle.
4. What is insured?
Mechanical Breakdown: This insurance covers you against sudden and unforeseen failure of mechanical and electrical components, unless such component fails due to misuse, accidental damage, carelessness or reaching the end of its working life. Please see ‘Schedule 1’ in the policy wording documentation for a list of included and excluded parts.
In the event of a repair request, we will pay up to 1 hour labour for diagnostic costs at a maximum of £65 plus VAT.
Additional Benefits
Vehicle hire as part of an extended warranty claim: We will pay up to £60 per day including VAT for a maximum of 7 days. Vehicle hire is only available when the Autodata recommended repair time exceeds 8 hours or the parts required to complete the repair will take longer than 48 hours to arrive with the repairer. You will be reimbursed on receipt of a car rental agreement from a VAT registered business providing car hire.
RAC breakdown cover is a benefit of this policy. For more information see the policy wording documentation.
5. What is not insured?
Diagnostics/Dismantling: We will not pay for any diagnostic costs or stripping down of the parts to determine the cause of the failure of parts or breakdown further to the 1 hour diagnostics covered unless we accept the claim.
Any failure of parts or breakdown caused by lack of normal and proper use or care, including the incorrect use of fuel or grade of oil.
Any act, omission or negligence by customer (or any user of vehicle),which adds to loss or damage.
Any failures caused by the following: Water ingress, fire, collision, frost, snow, ice, flooding, freezing, corrosion or Incorrect oil specification.
The failure or breakdown of a part which is under any manufacturer’s or supplier’s warranty
Gradual deterioration of your vehicle’s performance due to age and mileage.
Design or existing faults: Parts being subjected to recall by the manufacturer or parts which fail as a result of inherent design faults; or faults which existed before you entered into the agreement.
Accidental damage: the costs relating to losses normally included under a road risks insurance policy or losses resulting from an accidental damage to the vehicle.
Mechanical Breakdown that causes damage to another covered component is not included if it is reasonable for us to conclude that further damage has been caused by your failure to take preventative steps (for example, the vehicle being driven with a defective part/ warning lights being illuminated) and any loss arising from: excluded parts; incorrectly fitted parts; faults present at purchase.
6. Key Information
How to Claim
In the event of breakdown within the United Kingdom, or in the event of warning lights being illuminated, do not continue to use your vehicle. This may aggravate the problem and cause greater damage for which we will not be liable. You can select for your vehicle to be seen by one of our approved garages by going to yourvehiclecare.co.uk and clicking 'Get Repair Help' and 'Book a Repair'. Alternatively, you can speak to one of our agents and they can assist you in booking into one of our approved garages by calling 0333 220 6622 between 9am and 5pm, Monday to Friday (excluding public holidays), or via email: cinchcoverwarranty@assurant.com. You should aim to report the incident to us within 7 days of it occurring.
Do not proceed with repairs until the request has been authorised by us. It is your responsibility to ensure that the repairer calls us before any work is started and repairs are commenced after the eight-digit authority number is issued.
On completion of the work, when required by us, please arrange for us to be sent the repairer’s invoice quoting the policy number.
We may (at our discretion) authorise repairs immediately; call for other estimates; nominate another repairer; investigate the repair request further; insist on the use of factor or pattern parts; exchange or remanufactured units; or appoint an independent assessor to inspect the vehicle.
In giving authorisation for repairs, we will assess repair times in line with Autodata (or equivalent industry standard) recommended repair or service times and hourly labour rates at a maximum of £65 plus VAT per hour. In the event of a repair request, we will pay up to 1 hour labour for diagnostic costs. If additional diagnostics work is required after this first hour, we will only cover the additional labour costs where the investigation determines the failure of your vehicle is due to a covered component. In the event additional investigative work concludes that the source of the failure or your vehicle is not covered by this policy then you will be responsible for meeting the cost of the investigative work (excluding the first hour of labour).
To avoid any doubt, our obligations to you under this policy relate to the payment of sums due under its terms. We have no control over or responsibility for the quality of work carried out or parts supplied by third party motor repairers.
For full details please refer to section 6 of the terms and conditions ‘How to use the policy’
Enquiries or Complaints
We always aim to provide a first-class standard of service.
If you have a complaint relating to the selling of this policy please contact cinch by telephone: 0333 0154 101 or email: hello@cinch.co.uk. Alternatively, please write to: Cinch Cars Limited, Form 2, 18 Bartley Wood Business Park, Bartley Way, Hook, RG27 9XA.
If you have a complaint relating to the terms and conditions, administration or claims handling under this insurance you should in the first instance contact the administrator, quoting your policy number, by telephone: 0330 100 3246 or email: customer.relations@assurant.com. Alternatively, please write to: Customer Relations Department TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.
If your complaint is not resolved to your satisfaction, you may, within 6 months of a final decision, contact the Financial Ombudsman Service free of charge, stating clearly the nature of the complaint and the party to which that complaint was originally addressed, at: Telephone number: 0800 023 4567 or 0300 123 9 123; email: complaint.info@financial-ombudsman.org.uk; Web: www.financial-ombudsman.org.uk; Address: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR.
Cancellation
You have the right to cancel at any time. Please see the below for your refund rights. .
If you cancel within 30 days and have not made a claim on your policy, you will be entitled to a full refund of any premium you have paid.
If you cancel after 30 days and have not made a claim on your policy, you will be entitled to a pro rata refund, based on the number of full unexpired months remaining on your policy.
Please note you will not receive a refund where you have already made a successful claim on the policy.
About the Insurer
This policy is provided by London General Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register No. 202689.
London General Insurance Company Limited: Registered in England & Wales No. 1865673. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG, United Kingdom
About the Administrator
This policy is administered on behalf of London General Insurance Company Limited by TWG Services Limited, which is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 312440.
TWG Services Limited. Registered in England No: 01883565. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG.
Financial Services Compensation Scheme
London General Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit.
You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 741 4100 or 0800 678 1100 or by visiting their website at www.fscs.org.uk.
IPID
Insurance Product Information Document (IPID) To help you decide if this insurance provides cover that is right for you, the Insurance Product Information Document summarises the key features, benefits, exclusions and limitations of the cover as well as other important information. This summary is not personalised to you and doesn't contain everything. Please read the Insurance Product Information Document (IPID) If you would like to see the full details before you decide to take out this Insurance cover, please see extended warranty terms and conditions