In partnership with Regit

Register for your Free 30 Day GAP Policy

Get extra cash in your pocket in the unfortunate event of a write-off. Available for all cars bought via Regit

After completing the details below, the next page will allow you to log in to your MotorEasy account area. Here you can view your policy details, extend your cover or make a claim

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                                          Terms & Conditions

                                          Introduction

                                          This document, together with the Schedule of Cover, forms Your contract of Insurance with Us. The Policy contains details of the insurance cover You have bought, what is not covered and the terms and conditions that apply to the cover. Please make sure You keep both documents in a safe place so You can refer to them again if You need to.

                                          Please read this document carefully and make sure You understand how this insurance works. If You do not keep to the terms and conditions, We may not be able to pay any claim that You might make. Some words and phrases have a particular meaning wherever they are shown in bold type starting with a capital letter. These meanings are shown within Definitions: Meaning of words and phrases in this document.

                                          In return for You paying the premium We will provide the cover set out in this Policy. Please check that the information contained in the Schedule of Cover is correct and that the cover meets Your needs. If it does not, please contact the Administrator.

                                          If You need this document to be made available in braille or audio format please contact the Administrator.


                                          THE Administrator

                                          This Policy is administered by MotorEasy Services Ltd, registered address is Staverton Court, Staverton, Cheltenham, Gloucestershire, GL51 0UX. Registered in England No: 10109424. They are authorised and regulated by the Financial Conduct Authority. Firm Reference number: 747890

                                          THE INSURER

                                          This Policy is underwritten by AmTrust Specialty Limited whose registered office is Exchequer Court, 33 St Mary Axe, London, EC3A 8AA, United Kingdom and it is registered in England number 01229676. AmTrust Specialty Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202189.

                                          IMPORTANT INFORMATION

                                          If You are a private individual the following applies to You:

                                          Giving Us all the important information When We accept Your application for this insurance, We will rely on the information You give. You must take reasonable care to provide complete and accurate answers to the questions asked when You take out, or make changes to, Your Policy. If the information provided by You is not complete and accurate the extent of cover may be affected and:

                                          • We may cancel Your Policy and Refuse to pay any claim or
                                          • We may not pay any claim in full.

                                          We will write to You if We:

                                          • intend to cancel Your Policy; or
                                          • need to amend the terms of Your Policy; or require You to pay more for Your insurance.

                                          If You become aware that information You have given Us is incomplete or inaccurate, You must inform The Administrator

                                          If You are part of a partnership, a sole trader, a limited company or other legal entity the following applies to You:

                                          Your Duty of Disclosure

                                          Under the Insurance Act 2015 You have a duty to make fair presentation of the risk to Us before this Policy starts at each renewal and when You make any amendment(s) to cover.

                                          This means You must:

                                          (a) disclose all material facts of which You know or ought to know.

                                          (b) make the disclosure in a reasonably clear and accessible way.

                                          (c) make sure that every material representation of fact is substantially correct and made in good faith.

                                          What is a Material Fact?

                                          A material fact is Information that would influence Our decision as to whether to insure You and, if so, on what terms.

                                          For the purposes of the duty of fair presentation, You are expected to know the following;

                                          (a) If You are an individual (such as a sole trader or individual partner):

                                          • what is known to You and anybody who is responsible for arranging this insurance, or if You are not an individual (such as a limited company or partnership):
                                          • what is known to anybody who is part of Your organisation’s senior management is (this means those people who play significant roles in the making of decisions about how Your activities are to be managed or organised or anybody who is responsible for arranging this insurance).

                                          (b) What should reasonably be revealed by a reasonable search of the information available to You. The information may be held within Your organisation (including, for example, subsidiaries, affiliates, the broker or any other person who will be covered under this insurance).

                                          If the insurance is intended to insure subsidiaries, affiliates, or other parties, You are expected to have included them in Your enquiries and inform Us if You have not done so. The reasonable search may be conducted by making enquiries or by any other means.


                                          Breach of duty

                                          If You breach Your duty to make fair presentation of the risk to Us, then:

                                          • where the breach was deliberate or reckless, We may avoid this Policy and refuse all claims.
                                          • where the breach was neither deliberate nor reckless and, but for the breach, We would not have agreed to provide cover under the Policy on any terms, We may avoid this Policy and refuse all claims.
                                          • where the breach was neither deliberate nor reckless and, but for the breach, We would have agreed to provide cover under this Policy but on different terms (other than Premium terms), We may require that this Policy includes such different terms with effect from its commencement, and/or
                                          • where the breach was neither deliberate nor reckless and, but for the breach, We would have agreed to provide cover under this Policy but would have charged higher premiums, Our liability for any loss amount payable shall be limited to the proportion that the premium We charged bears to the higher premium that We would have charged.

                                            For example: if, due to a breach of fair presentation, We charged a Premium of £100 but We should have charged £200, then for any claim submitted and agreed at a settlement value of £1000, You will only be paid £500.


                                          Free 30 Day GAP (Return to Value) Insurance Policy

                                          Your Free 30-Day GAP Insurance is administered by Motoreasy Services Limited and underwritten by AmTrust Specialty Ltd:

                                          Please note, this policy is only valid alongside a live and valid Motor Insurance Policy. This Free 30-Day GAP policy will end if You cancel the Motor Insurance Policy.

                                          For any queries regarding this cover please get in touch with the Administrator. If, during the period of insurance, Your Insured Vehicle is subject to a Total Loss Claim and is written off then, subject to terms and conditions of this Policy will pay the difference between the Motor Insurance Settlement paid by Your Motor Insurance and the insured value at the Start Date.

                                          N.B. THIS POLICY IS NOT A MOTOR VEHICLE INSURANCE FOR THE PURPOSE OF THE ROAD TRAFFIC ACT

                                          Contact details

                                          If You need to get in touch with the Administrator, You can do this:

                                          By Telephone: 0800 131 0001.

                                          In Writing: MotorEasy Services Ltd, 60 Portman Road, Reading, RG30 1EA


                                          Definitions


                                          Administrator - means MotorEasy Services Ltd.

                                          Date of Total Loss - means the date of the Incident that gives rise to Your claim for the Total Loss of the Insured Vehicle.

                                          End Date - means the date this insurance cover ends, as shown in Your Schedule of Cover Excluded Vehicle– means any vehicle which is:

                                          (a) not shown in the Glass’s Guide

                                          (b) not for use on a public highway, without a valid vehicle licence and if more than three years old, does not have a valid MOT;

                                          (c) used for competition, racing, pace making, reliability trials, speed testing or off-road;

                                          (d) fitted with non-manufacturer specified modifications, including, for example, engine modifications, roll cages, steering column extension. Modifications such as sat-nav, hands free kit, tow bars, alloy wheels, in-car entertainment do not preclude the vehicle being covered;

                                          (e) over 8 years old;

                                          (f) vans and commercial vehicle over 3500kg gross weight;

                                          (g) an emergency vehicle, recovery vehicle, delivery courier, a taxi, a driving school vehicle, a bus;

                                          (h) modified other than in accordance with manufacturers specifications and any make of vehicle not built for principal sale in the United Kingdom;

                                          (i) used or owned by a motor trader (resulting from trade-in or acquisition for the purposes of resale) by a lease company or business formed for the purposes of selling or servicing vehicles; or

                                          (j) used for rental, hire or reward.

                                          (k) a Ferrari, Lamborghini, Maserati, Rolls Royce, or any commercial vehicle, motorcycle, or scooter

                                          (l) a left-hand drive vehicle

                                          (m) a vehicle that does not meet UK or EC approval or is not commercially available in the UK

                                          (n) a taxi, mini cab, driving tuition vehicle, courier, or delivery vehicle

                                          (o) a private or public rental vehicle, rally, competition, or off-road vehicle

                                          (p) an emergency vehicle

                                          Finance Agreement – means any sale, hire purchase or personal contract purchase loan agreement between You and the finance company for the Insured Vehicle. For information regarding Your loan, please refer to Your Finance Agreement. Note this Policy provides no cover for any additional costs or losses associated with any personal contract hire and/or lease agreements.

                                          Grey Import – means a vehicle not registered as a new vehicle in the United Kingdom and which has been imported by someone other than the official United Kingdom distributor for that make or model of vehicle.

                                          Incident - means the initial cause which results in Total Loss of the Insured Vehicle.

                                          Insured Vehicle - means the vehicle shown in the Schedule of Cover.

                                          Market Value – means the retail Market Value based on value shown in the current Glass’s Guide for purchasing, or replacing, the Insured Vehicle with one of the same make, model, trim level, recorded mileage and being in a similar condition. Glass’s Guide is a motor trade publication recognised and used extensively in the motor vehicle industry to value new/used vehicles. Where Glass’s Guide is not available or there is a dispute over valuation with Your Motor Insurer, We will consider other motor trade publications.

                                          Motor Insurance Policy – means a fully comprehensive Motor Insurance Policy which covers Your Vehicle and which You must make sure covers the Market Value of the Insured Vehicle, it must remain in place for the duration of this GAP Policy.

                                          Motor Insurance Settlement – means the amount of money that You receive from the Motor Insurer following a claim for the Total Loss of the Insured Vehicle.

                                          Motor Insurer – means a fully comprehensive Motor Insurance Policy which continuously covers the Market Value of Your Vehicle and You ensure which remains in place for the duration of Policy.

                                          Original Purchase Price - means the price paid for the Insured Vehicle which was purchased from a VAT registered dealership. It is, the invoice price paid for the Insured Vehicle including delivery charges, new vehicle registration fees, road tax, number plates and factory fitted options.

                                          Please note that the following are excluded from the settlement under the terms of this Policy:

                                          Any amount for any dealer fitted options, insurance premiums, warranty costs, fuel, paintwork protection applications, and any Negative Equity carried over from a previous loan or Finance Agreement on a vehicle, which is being part exchanged and which increases vehicle registration fees, road tax, number plates and factory fitted options) but excluding any amount for any dealer fitted options, insurance premiums, warranty costs, fuel, paintwork protection applications, and any Negative Equity carried over from a previous loan or Finance Agreement on a vehicle, which is being part exchanged and which increases either the invoice price of the new/replacement vehicle, part exchange allowance, or loan amount borrowed on the Insured Vehicle;

                                          Schedule of Cover – means the document which shows Your details, details of the Insured Vehicle and sets out the details of Your cover.

                                          Start Date - means the date shown on your Schedule of Cover as the date this insurance cover begins.

                                          Territorial Limits means the United Kingdom, the Channel Islands, the Isle of Man and the countries of the European Economic Area. Your Vehicle is also covered in the European Union and any other country shown on an International Motor Insurance Card (“Green Card”) for as long as You maintain a comparable level of cover on Your Motor Insurance Policy as in the United Kingdom and that this cover is in force on the date of an Incident that results in a Total Loss.

                                          Total loss - means the Total Loss of the Insured Vehicle as a result of fire, theft, or material damage beyond economic repair, resulting in a full Motor Insurance Settlement.

                                          We, Us, Our - means AmTrust

                                          You, Your, Yourself - means the person , partnership, sole trader or limited company shown on the Schedule Of Cover.



                                          Eligibility


                                          You can take out this insurance cover if:

                                          (i) You are an individual or sole trader and you:

                                          (a) is at least 18 years of age at the Start Date; and

                                          (b) are resident in the England, Scotland, Northern Ireland, Wales, the Isle of Man or the Channel Islands at the Start Date and remain so throughout the period of insurance; and

                                          (c) are the owner or registered keeper of the Insured Vehicle or is the spouse or civil partner of the owner and registered keeper of the Insured Vehicle and who has financial interest in the Insured Vehicle ; and

                                          (d) holds a valid, current full driving licence; and

                                          (e) are the policyholder or a named driver on the Motor Insurance Policy and keep this Policy in place for the 30 days of cover

                                          The Insured Vehicle must:

                                          • be under 10 years old
                                          • be valued at less than £75,000
                                          • have covered less than 100,000 miles
                                          • be listed in Glass’s Guide
                                          • have a valid MOT certificate if it is 3 years or older
                                          • not be an Excluded Vehicle

                                          We will not provide any cover if You and the vehicle do not meet these eligibility requirements.

                                          IMPORTANT

                                          If You do not have a fully comprehensive Motor Insurance Policy, and following a claim Your Vehicle is declared a Total Loss due to Your own fault, You will not be able to claim under this Policy.



                                          What is covered?


                                          (a) This policy is valid for 30 days. It is provided free of charge and begins on the Start Date and ends 30 days later on the end date.

                                          (b) While the cover is in place We will pay an amount which will cover the difference between the Motor Insurance Settlement and the of the Original Invoice Price (whichever is the higher amount)or the outstanding balance owed under Your Finance Agreement, less the deductions listed in (f) below

                                          (c) We will also cover up to £250 for any Motor Insurance Policy excess that You have had to pay to the Motor Insurance as part of Your Total Loss claim.

                                          (d) If liability for the incident is not agreed by Your Motor Insurance, We will not pay this claim until liability is agreed.

                                          (e) The claims settlement will be paid directly to the finance company to reduce the amount You owe under Your Finance Agreement. Any amount remaining will be paid to You. If Your Finance Agreement has ended, We will pay the full amount of money to You.

                                          (f) Deductions and limitations:

                                          We will deduct from the claim settlement any amount deducted from the Motor Insurance Settlement for:

                                          • any excess deducted by Your Motor Insurance not covered;
                                          • the salvage value of the Insured Vehicle where You do not have to transfer ownership of the Insured Vehicle to Your Motor Insurance;
                                          • any premium owing to Your Motor Insurance for Your Motor Insurance Policy;
                                          • if the Early Settlement Amount is greater than the Original Invoice Price, we will deduct from the benefit payment any amount included in the Early Settlement Amount relating to:
                                          • Any arrears, and any interest payable on those arrears, under the terms of the Finance Agreement.
                                          • Any amount due under the Finance Agreement not relating directly to the Market Value of the Insured Vehicle at the time of purchase. (This Policy only covers the part of the Finance Agreement relating to the Insured Vehicle. All other elements of the Finance Agreement and its related interest charges are excluded.)
                                          • Any amount due under the Finance Agreement relating to insurance , warranty and any interest payable on them.

                                          (g) where Your Motor Insurance reduces the Motor Insurance Settlement because of Your contributory negligence - the same percentage or amount as deducted by Your Motor Insurance;

                                          (h) any damage to, or the poor general condition of, the Insured Vehicle, immediately before the time the Total Loss happens

                                          (i) not having an up to date service history or a valid MOT (if required by law); or

                                          (j) any modifications to the Insured Vehicle.

                                          (k) We will not cover any amount where the Insured Vehicle has been insured below its Market Value under Your Motor Insurance Policy.

                                          (l) if the original purchase price of Your Insured Vehicle is over 120% of its Market Value, We will adjust the value of any claim paid to reflect the Market Value at the start date. For example, if You agree to buy a car for £4,000 and the value of that car in Glass’s Guide is £2,000, this is 100% more than the Market Value. We will only allow 20% over the Market Value, therefore the Market Value used to calculate Your claim will be £2,400, not £4,000.

                                          (m) if a valid purchase invoice from a VAT registered garage cannot be provided, the Original Purchase Price will be based on the Market Value at the Start Date.

                                          (n) We will deduct the VAT content of any claim from the amount We pay if You are, or were previously, entitled to claim the VAT back.

                                          (o) We will deduct the VAT content of any claim from the amount We pay if You are, or were previously, entitled to claim the VAT back.

                                          (p) If You accept a settlement offer from Your Motor Insurance before We settle Your claim or without Our consent, We will settle Your claim using the higher of:

                                          • the Motor Insurance Settlement figure; or
                                          • the Market Value at the time of total loss
                                          • There will be no adjustment in the claim settlement amount for non-standard fittings, other than a reduction should any non-standard fittings be considered to have lowered the value.

                                          What is not covered?


                                          (1) No claim will be paid for a Total Loss of the Insured Vehicle if:

                                          (a) the Insured Vehicle is an Excluded Vehicle;

                                          (b) the Insured Vehicle is over 10 years old.

                                          (c) the Insured Vehicle is valued at more than £75,000.

                                          (d) the Insured Vehicle has covered more than 100,000 miles.

                                          (e) the Insured Vehicle was economically repairable but it was declared as a Total Loss by Your Motor Insurer due to Your intervention or another party on Your behalf;

                                          (f) Your Motor Insurance offers to provide a replacement vehicle as settlement of Your claim, whether You accept it or not;

                                          (g) the Insured Vehicle is not covered by Your comprehensive Motor Insurance Policy, or a Total Loss settlement was not paid

                                          (h) You are not the registered keeper or named on the Finance Agreement of the Insured Vehicle;

                                          (i) You are not the policyholder or named driver on Your Motor Insurance Policy;

                                          (j) the Insured Vehicle is owned by a motor trader or company involved in the sale of vehicles at the date of Total Loss, (resulting from trade-in or acquisition for the purposes of resale).

                                          (2) The claim will not be paid if the Total Loss:

                                          (a) occurred before the Start Date or after the End Date or date the Policy is cancelled;

                                          (b) is caused when the Insured Vehicle is driven, with Your consent, by someone who does not hold a valid driving licence or is in breach of the conditions of that driving licence;

                                          (c) occurred whilst the Insured Vehicle was being used for competition, racing, pace-making, reliability trials, speed testing or off-road

                                          (d) results from an accident when you, or any other person with your general consent drive the insured vehicle when intoxicated by alcohol or under the influence of drugs not prescribed by a registered medical practitioner or drugs prescribed by a registered medical practitioner in respect of which a warning against driving has been given;

                                          (e) results from doing anything which is wilful, unlawful or negligent on Your part, or on the part of any other person who is driving the Insured Vehicle with Your consent;

                                          (f) results from an Incident outside the Territorial Limits;

                                          (g) results from a malicious damage claim, which is not accompanied by a valid crime reference number or correspondence from the police or the crime report;

                                          (h) happened when the Insured Vehicle was stolen by any person who You had given access to the keys;

                                          (i) happened while the Insured Vehicle was left unlocked, or the keys or other device used to secure, gain access to, and start the Insured Vehicle are left in or on the vehicle;

                                          (j) results from civil unrest, terrorism, riot or insurrection, war or any act incidental to war (whether declared or not);

                                          (k) happens as a result of fraud or dishonesty; or

                                          (l) is not the result of a claim under the accidental damage, fire or theft sections of the Motor Insurance Policy;

                                          (3) We will not pay any claim or provide any benefit under this Policy if doing so would expose Us to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America



                                          How to make a claim


                                          IMPORTANT NOTE:

                                          As soon as you think the insured vehicle may be declared a total loss you should contact MotorEasy (ME) within 60 days on tel: 0800 131 0001 or email:gapclaims@motoreasy.com before you accept any settlement offer from your motor insurer.

                                          If Your vehicle is Total Loss, do not accept the settlement offer from Your Motor Insurer or from the other party's insurer in respect of a Total Loss before We give Our consent.

                                          If you accept a Motor Insurance Settlement from the Motor Insurance Policy before contacting the Administrator, we reserve the right to contact the Motor Insurer in your name to assess the offer of settlement and where necessary seek settlement in-line with the Market Value at time of your Vehicle being declared a Total Loss.


                                          Administrator Contact details:

                                          Tel: 0800 131 0001 during normal business hours Monday to Friday

                                          Address: MotorEasy Services Ltd, 60 Portman Road, Reading RG30 1EA.

                                          Email: info@motoreasy.com


                                          Detail and Documents

                                          If there is an Incident and Your Vehicle is (or is likely to be a Total Loss), please contact the claims department immediately, You will be asked to give the details of the Incident Including Your Policy number and Insured Vehicle details, the date and cause of the Incident, any third party details and any police crime reference number, and the progress of Your own insurance claim.

                                          If the claim is a result of malicious damage or theft You must also report the Incident to the police within 24 hours of You becoming aware of the Incident. We will need the crime reference number.

                                          You will be asked to complete and return a claim form. Please read the “When will this Policy cover You” and “When will this Policy not cover You” sections of this Policy before completing Your claim form as You must follow the terms and conditions or We may refuse to deal with Your claim or reduce the amount of the claim payment.

                                          You will also be asked to sign a declaration which will allow Us to discuss the claim with Your Motor Insurer , as We may, on Your behalf, take over the negotiations on Your Total Loss claim Your Motor Insurer and/or the other party’s insurer if necessary.

                                          When requested the following details must also be provided

                                          (a) written confirmation from your Motor Insurer

                                          (1) that the Motor Insurer has paid the Motor Insurance Settlement following your claim for Total Loss; and

                                          (2) the terms on which the motor insurance settlementwas made.

                                          (b) the original purchase invoice in respect of the Insured Vehicle;

                                          (c) the log book - If the name of any document changes e.g. “V5” or “VIR”, You will need to provide the replacement document

                                          (d) if applicable, a current MOT


                                          Settlement

                                          (a) If We settle a claim and find that another party is responsible We may, at Our expense, take steps against that third party on Your behalf to get reimbursement or compensation from them. You must assist Us by giving Us any information We request.

                                          (b) If any Premium is outstanding at the time of settlement We will deduct the value of all remaining Monthly Premium Instalments from the amount payable.

                                          (c) In the event of a Total Loss of the Insured Vehicle, unless We have written consent from the policyholder of the Motor Insurance Policy to contact the Motor Insurer, We will settle Your claim using the current Market Value of the Insured Vehicle.

                                          (d) If the original purchase price of Your Insured Vehicle is over 110% of its Market Value, We will adjust the value of any benefit paid to reflect the Market Value at the start date. For example, if You agree to buy a car for £4,000 and the value of that car in Glass's Guide is £2,000, this is 100% more than the Market Value. We will only the Market Value, therefore the Market Value used to calculate Your benefit will be £2,200, not £4,000.



                                          When your cover ends


                                          The Policy will end:

                                          (a) On the date shown on the Schedule of Cover;

                                          (b) On the date on which the Insured Vehicle is repossessed, if the Insured Vehicle is purchased with a finance agreement;

                                          (c) On the date on which a claim is paid under this insurance cover.

                                          (d) On the date the Insured Vehicle is sold by You to another party;

                                          (e) In the date on which You no longer have a comprehensive Motor Insurance Policy in place covering the Insured Vehicle;

                                          (f) If You do not accept Your Motor Insurance’s offer to replace theInsured Vehicle with another vehicle under the terms of Your Motor Insurance Policy;

                                          (g) On the date We tell You Your cover has been cancelled in line with Section 9 “Our right to cancel”; or

                                          (h) On the date You are no longer a resident in the United Kingdom.



                                          Cancellation


                                          Your right to cancel

                                          If You wish to cancel this Policy please contact the Administrator.

                                          You may cancel this insurance at any time. This is a Free 30-Day policy and so no refund will be due.


                                          Our right to cancel

                                          If We cancel Your Policy We will write to You at the most recent address in Our records

                                          We may cancel Your Policy immediately:

                                          • If You commit fraud.
                                          • If Your Policy becomes invalid.
                                          • If You do not pay the Premium/Premium Instalment when it is due.

                                          We may cancel this Policy by giving You 30 days notice in writing at Your last known address. If We cancel Your Policy, no further Premium will be due and, if You have paid the full Premium You will get a refund for the remaining period of cover.

                                          Some valid reasons why We might cancel Your Policy are:

                                          • If there is a change to the risk which means We cannot provide cover any longer.
                                          • If You display threatening or abusive behaviour to Us, the Administrator or anyone else involved in Your cover.
                                          • If You do not co-operate with Us or the Administrator or fail to supply any information asked for.

                                          Fraud/invalid cover

                                          We have a regulatory obligation to prevent fraud or dishonesty. In the event of a claim, any information You have given and details of the claim may be shared with other insurers in order to prevent fraudulent claims.

                                          Fraud

                                          If We make any claim payments and find that You (or someone acting on Your behalf), has acted dishonesty or committed fraud then:

                                          (a) We will not make any payment and may seek to recover from You any payment made by Us.

                                          (b) We may cancel the Policy effect from the time of the fraud.

                                          (c) If We cancel the Policy, We will not pay any claim occurring after the time of the fraud.

                                          (d) If We cancel the contract under this section, We will not return any of the premiums paid by You.

                                          Invalid Cover

                                          If We make any claim payment as a result of Your dishonesty (or the dishonesty or someone acting on Your behalf) any payments made by Us must be paid back. We may take legal action against You for the return of any payments.



                                          General conditions


                                          (1) This Policy has been issued based upon information, which You have given to Us about Yourself, and the Insured Vehicle. You must tell Us immediately of any changes to this information in particular any of the following: change of address, or use of the Insured Vehicle e.g. being used for private hire. We will then advise You of any changes to the terms of Your Policy.

                                          (2) If You do not tell Us about a change Your Policy may not be valid if these changes result in a change to Your cover.

                                          (3) You must not continue to drive the Insured Vehicle after any damage or incident if this could cause further damage to the Insured Vehicle.

                                          (4) You cannot transfer this Policy to any other person or use this Policy as security for any debt or obligation i.

                                          (5) To help Us improve the quality of Our service, telephone calls may be monitored and recorded.



                                          Complaints Procedure


                                          We hope You do not need to, but if You want to complain about how this Policy was sold to You please contact the party that sold it to You.

                                          If You want to complain about the administration of this Policy or about a claim, please contact the Administratorin one of these ways:

                                          By telephone: 0800 254 5074

                                          By email: info@motoreasy.com In writing: MotorEasy Services Ltd

                                          60 Portman Road Reading RG30 1EA

                                          A leaflet detailing the Administrator’s full complaints/appeals process is available from them on request.

                                          The Administrator will contact You within three days of receiving Your complaint to let You know what action is being taken and they will try to resolve the problem and give You an answer within four weeks. If it will take longer than four weeks, they will tell You when You can expect an answer.


                                          Referring Your complaint to the Financial Ombudsman Service

                                          If You are unhappy with the response or have not received a response within 8 weeks of the date Your complaint was received, You may be eligible to refer Your case to the Financial Ombudsman Service, who can review complaints from ‘eligible complainants’, but You must do so within 6 months of receiving a final response from Us (or on Our behalf).

                                          Further information can be found at: www.financial-ombudsman.org.uk.

                                          The Financial Ombudsman Service exists to help resolve complaints when We have not been able to resolve matters to Your satisfaction and the service they provide is free and impartial. Their contact details are as follows:

                                          Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR

                                          Telephone: 0800 023 4567 (calls to this number are free on mobile phones and landline)

                                          0300 123 9123 (Calls to this number cost no more than calls to 01 and 02 numbers.)

                                          Email: complaint.info@financial-ombudsman.org.uk

                                          For further information, you can visit The Motor Ombudsman website at www.TheMotorOmbudsman.org or call their Information Line on 0345 241 3008.


                                          This complaints procedure does not affect legal rights.


                                          We abide by the Motor Industry Vehicle Warranty Products Code of Practice which can be found on The Motor Ombudsman Website at www.TheMotorOmbudsman.org.

                                          The Motor Ombudsman will offer free impartial information and if appropriate an alternative dispute resolution process in the event that you are not satisfied with the outcome of a concern.

                                          For further information, you can visit The Motor Ombudsman website at www.TheMotorOmbudsman.org or call their Information Line on 0345 241 3008.


                                          FINANCIAL SERVICES COMPENSATION SCHEME

                                          We are covered by the Financial Services Compensation Scheme.

                                          You may be entitled to compensation from the Scheme if We are unable to meet Our obligation to You under this insurance. Further information can be obtained from the Financial Services Compensation Scheme, PO Box 300, Mitcheldean GL17 1DY.

                                          Tel: 0800 678 1100 (Freephone) or 020 7741 4100. Website: www.fscs.org.uk



                                          Privacy and Data Protection Notice


                                          AmTrust might send your information outside the UK and European Economic Area for processing and storage. This can include to the USA and Israel. It makes sure that your information is stored safely and processed in line with the law and this notice.

                                          You can ask AmTrust to:

                                          • provide you with the information it has about you.
                                          • Restrict or stop processing your information in certain occasions.
                                          • If there are any mistakes or updates, you can ask AmTrust to correct them.
                                          • delete your information (although there are some things it cannot delete).
                                          • give your information to someone else involved in your policy.
                                          • not use your information for marketing.

                                          If you think AmTrust has done something wrong with your information, you should speak to the local data protection authority.

                                          AmTrust will:

                                          • not keep your information longer than it needs to. This is usually up to 10 years after your policy ends.
                                          • only keep your information longer than 10 years if there is a business or regulatory reason for doing so.

                                          If You have any questions about how AmTrust use Your information, You can contact Our Data Protection Officer. The contact details are on the website - www.amtrustinternational.com/dpn.


                                                Non-disclosure or misrepresentation of information could lead to your plan being invalidated

                                                What is GAP Insurance?

                                                GAP Insurance, or guaranteed asset protection, protects you from financial loss if your vehicle is declared a write-off by your car insurer due to accidents, theft, or damage from events like floods or fires.

                                                Typically, insurers will only pay you the value of the vehicle at the time of the incident, rather than what you originally paid. Because cars can depreciate approximately up to 60% in the first three years, that could mean a significant shortfall in finance settlement charges or a loss in vehicle value. Our GAP Insurance bridges the gap between your insurance payout and your vehicle's purchase price or outstanding finance.