The following terms & conditions apply to all Motor Protect plans.

Plan Acceptance

1. The plan must be applied for directly from Motor Protect and will only become live once payment for the plan by the agreed payment method is received.
2. The vehicle must be roadworthy and have a valid MOT and service at plan inception (please see page 3, service schedule).
3. The plan will be activated using information provided by the plan holder, please contact the plan administrator if anything is incorrect. In the event you do not wish for the administrator to hold your personal data, we can remove these details from our records, please note by doing this, the repair plan will become void and we would be unable to assist you with any repairs or queries.
4. The plan administrator will not be responsible for any incorrect information provided by the plan holder about the nature or value of the repair plan.

Cancellation and Termination

1. Unless a repair request has been made, the plan holder has the right to cancel the repair plan within 14 days of the plan start date.
2. The repair plan will terminate without refund in cases of fraud or dishonesty.
3. In the event that the repair plan is paid for by a third party provider and for whatever reason these funds are recalled from Motor Protect, we reserve the right to attempt collection from the plan holder directly for any shortfall in payment.

Additional Benefits

1. The repair plan will cover consequential damage if the failure of a non-covered component causes a covered component to fail. Cover is limited to the covered component.
2. Wear and tear for the listed components is only covered up to a maximum miles and or years, whichever is sooner, in accordance with the cover level. After exceeding this mileage or age the wear and tear element of the repair plan will no longer be valid.

Repairs

1. If faults arise on the vehicle then do not attempt to drive further as this may cause extensive damage to other components. Please contact the plan administrator at the earliest opportunity for guidance. Please refer to the repairs process section and follow the guidelines. Repair requests which do not follow the guidelines may be invalidated.
2. Any repairs authorised by you, commenced or completed by your repairing garage without first being authorised by Motor Protect may be invalidated.
3. The plan holder is authorised to contact us directly regarding the administration of the plan. Should you wish for any other person to be able to discuss your plan, we will need you to confirm this to us either via email or phone call. If your repairing garage contact us to open a repair request, we will do so and then notify you, the plan holder of this.

Authorised Repairs

1. The cost of investigation and diagnostic work is the plan holders liability depending on cover level.
2. The repair plan will cover the costs for authorised repairs including parts and labour.
3. Depending on the cover level, agreed labour time for repairs will be paid within the hourly amount set out in your repair plan schedule including VAT, subject to recognised industry standard times for repair.
4. The repair plan may be subject to a customer contribution as stated within the plan schedule which will be deducted from the authorised repair. Any discrepancies and shortfalls need to be paid to the repairer in full by the plan holder. The administrator will not be liable for shortfalls.
5. Authorisations will only be granted once confirmation has been received by the plan administrator, that any shortfall will be paid.
6. Repair requests will be invalidated if the completed diagnostic form is not received by the plan administrator within 14 days of the repair request being made.
7. The plan administrator will only authorise the use of manufacturer’s parts where reconditioned or generic parts are not available. We also reserve the right to review and adjust the price of covered parts in line with reconditioned and generic parts at trade pricing. If you wish to use genuine manufacturer parts or the parts priced by your chosen repairing garage, you can do so, but you will be liable for the additional costs of these parts.
8. The plan administrator will require a UK VAT invoice for repairs showing the repairers VAT number, made out to Motor Protect, North Side, Thorney, Peterborough, PE6 0RL. The plan administrator will not reimburse the VAT if the plan holder has paid the repair amount authorised by the administrator.
9. The plan administrator will only pay up to the maximum repair limit as stated in your repair plan schedule. Extra benefits listed in the cover level form part of the repair limit and will only become valid once authorisation is granted on a repair. Vehicle hire is considered up to £75 or 2 days, whichever is less. See also clause 68.
10. The repair plan will expire once total repairs reach the market value of the vehicle or the purchase price, whichever is lower. (The plan administrator use VDI Check - Trade retail pricing in relation to the current market value).
11. The plan administrator will not pay more than once for the same repair.
12. In all cases, the plan administrator reserves the right to request photographic evidence and to appoint an independent assessor to examine any fault, breakdown, quotation or repair undertaken at any time, the result of which is binding by all parties.
13. The plan administrator may require documentation in order to assist us in validating a repair request. These documents may include: the vehicle V5 log book, purchase receipts, current MOT certificate, current and previous service history documents, VAT service and VAT repair receipts, any repairer’s parts receipts and details of previous repairs that may have been made.
14. The plan administrator reserves the right to decline the repair request if we have not been provided with the necessary documentation within 14 days of being notified of a repair request.
15. The plan administrator may use its discretion to authorise a repair on a goodwill basis which would otherwise have been excluded. This does not set any precedent for future repair requests.
16. Any faults reported in one diagnosis will equate to one repair; no matter how many parts have failed or whether they are related parts.
17. When a manufacturer offers a goodwill gesture for a repair, the plan administrator will not contribute.
18. Any part covered by manufacturer’s warranty will not be covered by this repair plan and the manufacturer’s warranty supersedes these items.
19. Labour will only be paid for as part of a valid repair when a covered component is required.
20. The garage that submits the final diagnosis must be the garage that carries out the repair.
21. The repair plan will only cover you for faults which arise and are repaired in the UK; using parts provided by a UK VAT registered supplier.

Exclusions

1. Vehicles used for (unless specified in the repair plan schedule); carriage of passengers, heavier than 3.5t, goods for hire and reward, off road, hackney carriage/taxi, motor sports determined by time or speed including practice and track racing/days.
2. The repair plan does not cover exhaust emissions or MOT failures.
3. The repair plan excludes any damage caused by a road traffic accident or collision or any road hazard whether or not insured under any motor insurance or accidental damage policy. This also excludes bodily injury or death, or any other damage howsoever caused.
4. The repair plan does not cover inherent faults of any description. Inherent faults are those that existed at the time of plan inception.
5. The repair plan does not cover service components or maintenance items of any kind (those items that would normally be maintained under the vehicles standard servicing schedule such as: brake pads, brake discs, filters and oil changes), air conditioning re-gassing is also not covered.
6. Corrosion
7. Seized parts
8. Faults diagnosed by health checks
9. Misdiagnosis
10. Freezing
11. Foreign matter getting into or onto a part
12. Oil contamination
13. Swarf
14. Carbon build up - with the exception of the items considered for wear and tear, see cover levels for components.
15. Manufacturer recall
16. Failure to maintain the vehicle in a roadworthy condition including maintenance of proper levels of oil and coolant.
17. Failing to service the vehicle as part of the manufacturer’s service schedule.
18. The effects of over-heating, whether caused by continued use or negligence.
19. Negligence or wilful damage (including continuing to drive the vehicle when it is not mechanically/electrically sound).
20. Use of incorrect grade’s of fuel or oil or the use of inadequate or improper coolant.
21. Subjecting the vehicle to a load greater than that permitted by law or the manufacturer’s recommendations.
22. Fire, self-ignition, lightning, earthquake, explosion, flood, storm, tempest, frost, water damage, theft or attempted theft, aircraft or other aerial devices or articles dropped there from or any extreme causes.
23. No liability will be accepted for the damage caused by: poor repairs carried out at any time, or faulty workmanship of any description.
24. Gradual increase in oil consumption due to normal operating functions.
25. The replacement of parts for good engineering practice.
26. The plan administrator will not authorise any repairs which are found during routine servicing, health and maintenance checks, and/or advisories.
27. On authorised repairs the plan administrator will contribute towards diagnosis, as per the cover level, any cost over this, including stripping of the vehicle is not covered.
28. The repair plan only covers the original manufacturer’s specification. Modifications outside the original factory specifications and designs are not covered nor is damage caused by such.

Selling Your Vehicle

1. If the vehicle is sold to a private individual the repair plan can be transferred. The plan holder must apply to Motor Protect, there is a fee of £49 inc VAT should we accept your transfer request.
2. If the ownership of the vehicle changes without formal transfer the repair plan will be void.
3. If the vehicle is sold to a dealer or trader, the repair plan will automatically terminate without a refund.

General Conditions

1. The repair plan will only cover the breakdown of mechanical and electrical faults and is not deemed as an insurance policy for road risk.
2. Vehicle’s registered on the insurance total loss register and/or the national police register will have restricted cover. Please contact the plan administrator for further information. A comprehensive vehicle data check may be carried out in event of a repair request.
3. No liability will be met unless authorised by and agreed to in writing by the plan administrator.
4. Vehicle hire will only be valid when a repair takes longer than 8 hours according to recognised industry standard times and authorised at our discretion.
5. The vehicle must have a valid MOT throughout the duration of the plan; without this the plan will be void.
6. The plan administrator accepts no liability for loss of use, inconvenience, lost time, commercial losses or any other incidental or consequential losses.
7. The plan administrator will not be liable for loss of fuel, earnings from work, penalty and storage charges, parking tickets, keys, theft from your vehicle, clamps, toll charges, broken glass, traffic congestion charges, running out of fuel or incorrect fuel, damaged key fobs, vehicles immersed or immobilised, calling costs, vehicle’s which are not serviced in line with the manufacturer’s service schedule, labour charges in excess of recognised industry repair times.
8. No part of the repair plan may be altered without the written consent of the plan administrator.
9. Legal Jurisdiction - In the event of any dispute between the parties relating to this repair plan or any repairs, it is mutually agreed that before embarking on litigation proceedings, the parties will attempt to resolve any matters.
10. The repair plan operates on a discretionary basis and is not insurance. The plan administrator will use this discretion to ensure you receive a fair and equitable resolution to all repair requests that you make.
11. To qualify for the payment of an authorised repair the invoice must be received by us within 45 days of the authorised date.
12. The plan administrator will accept no responsibility or liability for any agreement made between the consumer and representative at the time of purchase, which go against any of these terms and conditions, unless authorised by the plan administrator in writing.
13. The plan administrator reserves the right to adjust or amend the terms of the repair plan to comply with new laws or regulations as required.

Maintenance Provisions

1. The plan holder is responsible for ensuring that the vehicle is maintained in accordance with the manufacturers recommendations and must be within a maximum of 1,000 miles or 30 days (whichever is sooner) of the service schedule to have the service completed. If this is exceeded the repair plan will come to an end and no refund will be given. All service repairs must be undertaken by a VAT registered service provider or repairer. All invoices of any services and repairs must be retained.