Key Facts

Introduction

Our Premier care and Premier Care Plus policies are designed for owners of mobility scooters and power chairs valued at up to £7 000. Premier Care offers a wide range of standard cover, with Premier Care Plus providing additional benefits for customers requiring truly comprehensive insurance protection.

This document includes a general summary of the insurance provided by both of these policies. For precise details of cover including the conditions and exclusions that apply, the policy documents should be referred to. A copy will be supplied upon request.

For mobility equipment purchased new, you will have the option of insuring for 12, 24 or 36 months. For used mobility equipment, you will normally be allowed to take out this insurance for a period of 12 months only. Prior to expiry, all policies will be offered renewal for a period of 12 months.

Policy Summery

Premier Care

The policy is broken down into to separate Sections of Cover - Material Damage and Personal Liability

Material Damage

Significant Features and Benefits

Loss or damage to the mobility equipment by any accidental cause (including fire, theft and malicious damage) whilst in the UK, the Channel Islands or the Isle of Mann, and anywhere else in the world (subject to prior notification) for up to 30 days in one year of insurance.

Basis of Settlement - the insurer will pay in respect of the mobility equipment.
(1) purchased new and less than 2 years old, at its option, the cost of repair to, or replacement of, the mobility equipment in either case to a condition equivalent to, or substantially the same as but not better or more
extensive than, its condition when new.
(2) more than 2 years old, or purchased secondhand, the cost of repair or replacement on the basis of indemnity.

In the event that a scooter or power chair less than 2 years old cannot be repaired or replaced because any part or component is out of production and no longer available, the claim will be settled on the basis of indemnity.

The maximum amount payable will not exceed the sum insured, which unless specially agreed will be the purchase price.

In addition to the above the following benefits are provided.

"Get You Home" - up to £1000 for the costs of getting you and the mobility scooter back home following breakdown or insured damage excluding:
(1) Loss or damage to tyres (including punctures or bursts) or battery failure (including loss of charge)
(2) More than three claims in any one year of insurance.

Loss of Keys - If, while using the mobility equipment away from your home address, you should lose its starter key(s), the insurance will pay up to £50 for:
(1) the cost of replacement key(s).
(2) the reasonable costs incurred by you in returning you to your home address to obtain a spare key and back again in order to recover the mobility equipment.
(3) The reasonable costs incurred by you in arranging for a third party to recover the mobility equipment and have it taken to your home address if it is not possible for you to recover the mobility equipment yourself.

-not exceeding two claims in any one year of insurance.

Personal Accident - a benefit of £1000 will be paid if, at the time as incurring insured damage to the mobility equipment, you suffer bodily injury resulting within 12 months in death, loss of limb by physical severance above the hand or ankle or total loss of sight in both eyes.

Personal Effects - Up to £100 if, at the same time as incurring insured damage to the mobility equipment, you suffer loss or damage to personal effects (other than money, stamps, tickets, documents or securities).

Temporary Mobility Equipment - cover includes any similar mobility equipment whilst temporary or hire or loan as a replacement following loss of, or damage, excluding the first 7 days of hire and subject to a maximum of £5 per day and £100 in any one year of insurance.

Hospitalisation Benefit - the insurer will pay up to £5 per day for additional expenses incurred by you following hospitalisation as a direct result of insured loss or damage to the mobility equipment, whilst in use, excluding the firs seen days of hospitalisation and subject to a maximum of £125 in any one year of insurance.

Mugging Benefit - up to £100 for loss of personal effects (other than money, stamps, tickets, documents or securities) or cost of convalescence in the event that you are mugged, provided that a copy of the police and doctor's report has been obtained.

Significant and Unusual Exclusions and Limitations

A number of exclusions apply, the ones most significant or unusual being as follows:
(1) Loss or damage due to:
(a) Manufacturing defect, wear and tear, gradual deterioration, electrical or mechanical breakdown, defective workmanship or misuse.
(b) Scratching or denting unless such loss or damage effects the normal operation of the mobility equipment.
(c) Any process of cleaning, altering, servicing or repairing.
(d) Delay, confiscation or detention by customs officials, the police or similar authorities.
(e) Atmospheric or climatic conditions.
(2) Loss or damage whilst the mobility equipment is in the possession or
control of airport authorities, baggage handlers or on aircraft.
(3) Loss of, or damage to, tyres by application of brakes, or by punctures,
cuts or bursts.
(4) Loss or damage by theft or malicious persons:
(a) due to obtaining the mobility equipment by deception.
(b) occurring whilst the mobility equipment is unattended, unless the starter key has been removed from the mobility equipment.
(c) of, or to, mobility equipment left unattended (other than while stored in a locked and secure building) for more than one hour, unless secured to an immoveable object by a good quality padlock and chain.
(d) of, or to, mobility equipment stored overnight in an unattended motor vehicle, unless such vehicle is parked in a locked and secure building.
(e) of, or to, accessories, unless the mobility equipment is stolen at the same time.
(5) Loss or damage by any cause whatsoever of, or to, mobility equipment
whilst left in the open:
(a) for more than 12 hours
(b) overnight

(6) Any claim resulting from:
(a) racing, pace making, time or reliability trials in any organised sporting event, or whilst practising for any of them.
(b) The use of the mobility equipment by any person other than you.
(c) Or caused during the carriage of passengers.

Personal Liability

Significant Features and Benefits

All compensation, together with claimants' and defence costs and expenses, for which you are legally liable as a consequence of actual bodily injury or accidental loss of, or damage to, arising in connection with the ownership, possession or use of the mobility equipment by you, up to £2 000 000 in any one year of insurance.

This is a 'claims made' insurance, which means that an indemnity will only be provided for claims first notified to you during the current year of insurance.

Cover is provided within the United Kingdom, the Channel Islands and the Isle of Mann, and up to 30 days worldwide (excluding USA and Canada) in any one year of insurance.

Cover extends to include damages and taxed costs awarded to you arising out of your ownership, possession or use of the mobility equipment should that amount remain unpaid in full, or in part, after 3 months, provided that:
(1) The award is not the subject of an appeal.
(2) The incident giving rise to the award occurred:
(a) in the United Kingdom, the Channel Islands or the Isle of Mann.
(b) After the inception of the policy.

(3) You shall assist the insurer to enforce your rights of recovery.
(4) The limit of liability shall not exceed £2 000 000.

Significant or Unusual Exclusions or Limitations

A number of exclusions apply. The ones most significant or unusual are as follows:
(1) Bodily injury to you or any of your employees.
(2) Loss of, or damage to, property belonging to you, or for which you are responsible.
(3) Any event occurring prior to the inception of the policy.
(4) An award of any court outside of the United Kingdom, the channel Islands, or the Isle of Mann.

For further, more detailed information on the Premier Care Plus Policy Cover Click here.

For further, more detailed information on the Premier Care In Home Warranty Cover Click here.