Page 7 - Motorhome Protect
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Terms & Conditions
Mechanical Breakdown Insurance
The Proposal/Policy Schedule is part of the contract • parts which have been fitted incorrectly;
between You and Red Sands Insurance Company • parts which are of faulty manufacture or design;
(Europe) Limited for the Mechanical Breakdown
Insurance Policy. Your Policy covers the Motorhome or
shown on the Proposal/Policy Schedule. AutoProtect • parts not fitted as standard or optional extra by
(MBI) Limited has been appointed by Red Sands
Insurance Company (Europe) Limited as administrator the manufacturer, unless cover for such items is
to distribute this Policy of insurance. AutoProtect agreed beforehand.
Administration Limited has been appointed to deal • any claim within manufacturer’s warranty or
with all administrative matters relating to claims guarantee period.
handling, including payment of claims, arising under • faults at time of sale or before commencement
this Policy. date on Proposal/Policy Schedule.
6 This Policy excludes any damage caused by fire,
Duration of Policy and indemnity accident or any road hazard whether or not insured
under any motor insurance or accidental damage
The Policy commences from the date of purchase or with policy. It does not provide cover for other people or
new motorhomes the expiry of the manufacturer’s physical injury.
warranty period. The duration of this Policy and the 7 No liability will be accepted for damage caused by war
indemnity limit will be as stated on the Proposal/Policy risks, sonic booms or nuclear radiation.
Schedule. Subject to a maximum period of 36 months and
the maximum amount of the purchase price of the General Conditions
Motorhome.
1 Before selling You the Motorhome, the dealer must
Exceptions check the Motorhome to make sure that the parts
covered under this Policy are in good condition.
1 No liability will be accepted for any claim which is
reported to APA more than 14 days after the relevant 2 We may declare void any Policy where the
fault is discovered. Proposal/Policy Schedule, does not correctly show
the exact Motorhome type, model, age and mileage.
2 No liability will be accepted for any claim where the If You give incorrect information on the
repair has not commenced within 21 days of the Proposal/Policy Schedule, the Policy may be void
relevant fault being reported to APA. If it is not or, at AutoProtect’s option, allowed to continue
possible to commence the repair within 21 days, APA subject to the payment and receipt of any additional
must be informed of the reason. Water ingress claims premium that may be required to reflect the correct
must commence within 14 days of the relevant fault information.
being reported to APA if it is not possible to store the
Motorhome under cover to prevent further damage. 3 The mileage quoted on the Proposal/Policy
Schedule, does not guarantee that this is the true
3 This Policy does not apply to: distance the Motorhome has covered.
• motorhomes used for hire or reward (for example,
self-drive hire); 4 If when making a claim You do not follow the correct
• motorhomes used for any kind of timed procedure, We will not be able to pay Your claim in
competition or race; or this instance.
• non-standard, customised or modified
motorhomes. 5 The Motorhome must be serviced in accordance with
the schedule described in the service standards
4 No liability will be accepted for damage caused by: section of this Policy. You must retain all VAT service
• neglect; invoices.
• corrosion;
• any foreign matter getting into or onto a part; 6 We will not pay more than the limits shown on the
• lack of servicing; Proposal/Policy Schedule or as otherwise restricted
• the effects of over-heating, whether caused by an in this Policy document.
insured part or not;
• freezing; 7 AutoProtect has the right to refuse an application for
• abuse; cover.
• damage to parts not covered by this Policy or
consequential damage following therefrom; or 8 The dealer who sold You the Motorhome acts as
• damage to parts We cover caused by parts not AutoProtect’s agent only for the purpose of supplying
covered by the Policy. this Mechanical Breakdown Insurance Policy and
for the purpose of receiving premiums.
5 No liability will be accepted for:
• wear and tear; 9 Your rights as set out in this Policy are in addition to
• deterioration; Your legal rights. This insurance is subject to the laws
• the effects of poor repairs, faults or defects at the of England and Wales.
time of the sale;
10 If You want to sell the Motorhome You will be able to
transfer this Policy to the new owner. You must apply
to AutoProtect to transfer the Policy within seven
days of the sale. There is a fee of £25 which You must
enclose with Your application. The fee will be
returned if Your application cannot be accepted.
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