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Terms of Business

Car Protect Warranties Ltd are regulated by the Central Bank Of Ireland, Registration Number C89996.

All policies and documents must be checked by the customer to ensure that they are correct, and that they meet their requirements. It is the responsibility of purchaser of the policy to ensure that it meets their requirements. If in doubt about your cover under a policy please ask for clarification. All customers will give us authority to retain documents when we feel this is appropriate for the protection of the insurer or in the customer's interest or in our interest. Under no circumstances can our staff answer questions or give advice on policies not arranged by us.

Non disclosure can lead to policies being made void or claims being rejected. All customers transacting business with Mechanical Breakdown & General Insurance Services Ltd will be deemed to have accepted these terms of business. We reserve the right to amend our Terms of Business. Our Terms of Business do not affect the Consumers Statutory rights.

Customer Care

In the unlikely event of a dispute occurring regarding this Policy the insured should, in the first instance write to

Car Protect c/o
MB&G Insurance Services Ltd
21/26 Howard House,
Howard Street,
North Shields
Tyne & Wear
NE30 1AR
England

If You still remain dissatisfied with the way a complaint has been dealt with, You may write to Customer Care Manager, International Insurance Co of Hannover Ltd, 2nd Floor, 1 Arlington Square, Bracknell, Berkshire, RG12 1WA, who will provide full details of its complaints procedure and of any right the Insured may have to refer a complaint to the Financial Ombudsman Service. This procedure is in addition to any other legal rights the Insured may have to take legal proceedings.

Any telephone calls made in connection with this Policy may be monitored or recorded to assist with staff training and for quality control purposes.

If You suffer from any disability affecting Your ability to read these Policy Terms and Conditions and/or to take any action under them please contact, or arrange for some person, on Your behalf, to contact the Administrator for assistance.

COMPENSATION

International Insurance Co of Hannover Ltd, is covered under the Financial Services Compensation Scheme. This provides compensation in case any of its members are unable, in specified circumstances, to meet any valid claims under their policies. The first £2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claim will be met (100% if the insurance is legally compulsory). Compensation is only available to commercial customers in limited circumstances. Further information can be obtained from the Insurer, or from the Financial Services Compensation Scheme at the following address:

Financial Services Compensation Scheme
7th Floor, Lloyds Chambers,
1 Portsoken Street,
London
E1 8BN.
England
Tel: +44 (0) 20 7892 7300

DATA PROTECTION

Some or all of the information which You supply to the Insurer or the Administrator in connection with this Insurance will be held on their computer records to help with the administration of the Policy. It may be used for underwriting or claims purposes by the Insurer or the Administrator.

CANCELLATION

The Insured has a right to cancel cover and to receive a full refund of Premium under this Policy provided no claims are known or reported by giving written notice of cancellation within 14 days from the Start Date to

Car Protect c/o
MB&G Insurance Services Ltd
21/26 Howard House,
Howard Street,
North Shields
Tyne & Wear NE30 1AR

quoting the certificate number on the Application Form. Unless the Insured exercises this right to cancel within the above period the Insured shall not thereafter be entitled to any refund of Premium.

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