MOT Test Insurance Terms And Conditions
MOT Test Insurance
Terms and Conditions
This Document of Insurance in connection with Your Schedule proves that You have MOT Test Insurance and that You will be protected by it provided the relevant premium has been paid on Your behalf,. This insurance is an FSA regulated product.
Any word or expression to which a specific meaning has been given shall have the same meaning wherever it may appear.
Administrator means TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.
Dealer means the dealer from which You were issued this Document of Insurance means this Document together with the Schedule that shall be read together as one contract.
Insured/You/Your means the customer named as the Insured in the Schedule.
Insurers/Underwriters/We/Us/Our means London General Insurance Company Limited, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. Reg. No. 1865673. This is a private company limited by shares and incorporated in England, authorised and regulated by the Financial Services Authority, FRN202689.
Manufacturer means the manufacturer of the Vehicle.
Part/s Covered means strictly the parts specified for cover under the Part/s Covered section.
Period of Insurance means the period of cover as specified in Your Schedule.
Vehicle means the vehicle specified in the Schedule.
The Insurance is only available if Your Vehicle:
a) is a private type vehicle (vans, pick ups and LCV’s are not eligible) less than 8 years oldand providing that it has covered less than 80,000 miles from new at date of application
b) is not used for private or public hire, professional driving tuition, dispatch or delivery work, racing, rally or competition purposes; and
c) has just passed the MOT Test or has a period of not less than 6 months remaining before the next MOT Test becomes legally due at date of application; and
d) are not engaged in or connected with the motor trade either on Your own account or as a partner, Director or employee of any firm or company.
3. Benefits of the Cover
In the event of any Part/s Covered by the Insurance being cited on an official “Notice of refusal to issue an M.O.T. certificate” (Form VT.30) as the reason for Your Vehicle failing to pass the M.O.T. Test during the Period of Insurance We will pay the reasonable cost of repairing or replacing such part or parts up to the claims limit as detailed on Your Schedule. The Policy provides cover in respect of only one MOT Test in each 12 month period, and the Claims Limit as detailed on Your Schedule applies to each 12 month period. The Policy Start Date and Period of Insurance is detailed on Your Schedule.
3.1 We will not pay:
(a) the first £10 of any claim;
(b) any VAT that You are able to recover, if You are VAT registered;
(c) for the repair or replacement of any parts not listed as Part/s Covered or cited as advisory items only
(d) any M.O.T. Test or re-test
4. Part/s Covered
This section shows the parts covered under the MOT Test Insurance.
Front and back lamps, number-plate illumination lamps, headlamps, headlamp aim, stop lamps, back reflectors, back fog lamps, hazard warning lamps and controls, direction indicator controls, fog lamp on and off indicator light.
Steering and suspension
Steering control, steering mechanism and system, power steering, transmission shafts, wheel bearings, front and back suspension, shock absorbers and wheel alignment.
Controls, including ABS system if the warning light does not work in the correct sequence, the condition of the service brake and parking brake performance, corrosion to brake pipes. Frictional material is not covered when the condition is related to wear and tear.
Seats and seatbelts
All seatbelt mountings, their condition and how they work, front drivers and passenger seat mountings and backrest security in an upright position.
Windscreen wipers and washers and Vehicle structure. Fuel injection and ECU replacement as a result of calibration failure to meet MOT exhaust gas emission standards.
Actual tuning and adjustments are
We shall not be liable:
5.1 In respect of any claim that results wholly or partly from:
(a) any collision, impact, accident, fire, self-ignition or explosion, theft or attempted theft, frost or freak weather conditions;
(b) any deliberate damage, neglect or misuse of the Vehicle or any modifications such as the fitting of replacement or experimental parts or other equipment not approved by the Manufacturer;
(c) repair or servicing of the Vehicle or parts subject to recall for repair or replacement by the Manufacturer;
(d) the failure of a part not covered by the Insurance;
(e) a fault or defect in any part that could reasonably be said to have existed at the commencement of the Insurance.
5.2 If the Vehicle has been used for private or public hire, professional driving tuition, dispatch or delivery work, racing, rally or other competition purposes.
5.3 If and to the extent that You are entitled to any benefit under a Manufacturer’s or Supplier’s warranty or any other form of Insurance.
5.4 For consequential damage caused to parts not covered
by the Insurance or for any other losses that occur as a consequence of a failure of an included component (examples are, but not limited to alternative transportation cost, costs associated with a disrupted Journey, prepaid agreement accommodation or transportation, inconvenience or loss of earnings.; injury or damage.
5.5 For any consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riots or civil commotions, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
5.6 For loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from, or any loss or any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising out of:
(a) ionizing radiations or contaminations by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel,
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
5.7 For loss or damage resulting from the pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
5.8 Any fault existing prior to the Policy Start Date as detailed on Your Schedule.
6 M.O.T Test And Claims Procedure
Authorisation from the Administrator must be obtained before any repairs are carried out. The MOT Test and any repairs required must be carried out within a maximum leeway of 30 days either side of the legally due date.
a) When the next MOT Test becomes due, take Your Vehicle to Your Dealer or to an MOT Testing Station appointed by Your Dealer.
b) In the event of Your Vehicle failing to pass the MOT Test, show Your Dealer this document to establish whether the failure involves any Part/s Covered by the Insurance.
c) Obtain an estimate for the cost of any repairs covered by the Insurance and make sure that authorisation is obtained from the Administrator before any repairs are carried out. Claims and repair costs can be discussed on the telephone in the first instance, in which case if the repair is authorised a Claim Authorisation Number valid for 30 days will be provided during which time the documentation required to support Your claim must be received by the Administrator. You will need to complete the attached MOT Test Insurance Claim Form. Alternatively You may request a MOT Test Insurance Claim Form from the Administrator.
We cannot accept liability for any repairs carried out until all required documentation has been received and approved by the Administrator.
d) To establish liability We reserve the right to have the Vehicle and any failed components examined prior
to repairs proceeding and any exploratory dismantling charges will only be paid by Us if a valid claim results. It is initially Your responsibility to authorise Dismantling and to pay any charges should the claim not prove valid within the terms of the Insurance.
e) To make Your claim, Your MOT Testing Station will need to contact the Administrators on 0844 871 5076 quoting Your Plan number.
The following documents will need to be faxed to 0844 871 8261, emailed to the Administrator at email@example.com or sent to address
TWG Services Limited,
The Aspen Building, Floor 2,
Vantage Point Business Village, Mitcheldean, Gloucestershire.
- a copy of Your MOT Claim Form;
- a copy of Your expired MOT Test Certificate;
- a copy of Your new MOT Test Certificate;
- Your notification of refusal to issue an MOT Certificate (From VT.30); and
- Your repair estimate and/or invoice.
The Dealer may settle the costs directly with Us or may request that You settle the costs in which case You will need to retain the invoice and seek reimbursement under this Policy. In all cases You will be responsible for settling any costs that exceed the Claims Limit as detailed on Your Schedule or are not covered under the Policy directly with the Dealer.
You have an obligation to keep Your Vehicle serviced and in a roadworthy condition throughout the Period of Insurance. If the Vehicle has not been maintained and serviced in accordance with the Manufacturer’s recommendations, and this has resulted in Your need to make a claim under this Policy or contributed to the damage to Your Vehicle, We shall reserve the right to decline the claim or reduce the claim payment accordingly.
6. General Conditions
6.1. It is a condition of the cover that:
a) You and Your Vehicle are eligible for cover;
b) You comply strictly with the MOT Test and Claims Procedures set out herein, which is incorporated in and forms part of the Insurance Contract
6.2. You have an obligation to keep Your Vehicle serviced and in a roadworthy condition throughout the Period of Insurance.
If the Vehicle has not been maintained and serviced in accordance with the manufacturer’s recommendations, and this has resulted in Your need to make a claim under this Policy or contributed to the damage to Your Vehicle, We shall reserve the right to decline the claim or reduce the claim payment accordingly.
6.3. Only one document of Insurance may be issued in respect of any one Vehicle.
6.4. Only one MOT Test is covered in each 12-month Period of Insurance.
6.5 If any information provided to Us by You or anyone acting on Your behalf is inaccurate or if You fail to disclose any information which might reasonably affect Our decision to provide insurance to You or Our assessment of Your claim, Your cover under this Policy shall end and no refund of premium shall be due.
6.6. Subrogation rights: In the event of any payment under the Insurance We may require You to assign Us Your rights of recovery against others.
6.7. We shall not be liable for any statement or representation, either written or verbal and by whosoever made, which contradicts the terms and conditions of the Insurance unless such statement or representation is supported in writing by the Administrators.
6.8.If You do not comply with Your obligations under this Policy We shall not be liable to make payment under the Insurance.
6.9. You shall take all reasonable steps to maintain the Vehicle in a legal and roadworthy condition.
6.10. The Insurance has no surrender value or provision for any refund of premium to be made in the event of early termination.
6.11. All communications with Us shall be made through the Administrators, and shall be in English unless otherwise agreed in writing.
6.12. Both You and We are free to choose the Law applicable to this Policy. Unless agreed in writing to the contrary prior to the Policy Start Date will be subject to English Law. The EEA State for the purposes of the Policy is the United Kingdom.
6.13.The companies, which provide the products and services related to this Policy are regulated by the Financial Services Authority and are a member of the Financial Services Compensation Scheme (FSCS).It is a duty of the FSCS to ensure that a percentage of sums owed to policyholders by an insurance company in liquidation is paid to those policyholders if the company itself is unable to meet its liabilities in full. Under the Scheme General Insurance is covered for 90% of the entire claim. This compensation system is subject to restrictions and not all policyholders are eligible. Further details are available on request.
If for any reason You are not satisfied with the cover, or find that it does not meet Your requirements, You can cancel it at any time by advising TWG Services Ltd in writing.
If You cancel the cover, no refund of any premium paid on your behalf will be given.
The Insurance is personal to You and may not be assigned or transferred to any other person. The insurance applies to this Vehicle only and cannot be transferred to any other vehicle.
9. Customer Care
For complaints relating to the issuing of this Insurance please contact the Dealer from whom this Insurance was issued and whose details appear on the status disclosure document provided to You at point of sale.
For complaints relating to the administration or claims handling under this Insurance please write to
TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.
For complaints relating to the terms of this Policy please write to the Insurer, London General Insurance Company Limited at:
The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.
If Your complaint addressed to any of the above parties is not resolved to Your satisfaction You may contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR stating clearly the nature of the complaint and the party to which that complaint was originally addressed.
None of the above affects any right of action You may have.
Customers with Special Requirements
If You have hearing or speech difficulties, You can text telephone Our Administrator on 0844 871 8211. This document and all Our literature is available in large print, audio and Braille - We will be happy to provide You with a copy or You can call Our Administrator on0844 871 8061.
10. Personal data
The Aspen Building, Floor 2,
Vantage Point Business Village, Mitcheldean,
Gloucestershire, GL17 0AF