Key Facts

Policy Summery

Premier Care Plus

The above is a summery of the cover provided by our PREMIER CARE MOBILITY INSURANCE POLICY. The following enhancements are provided to the material damage cover by our PREMIER CARE PLUS MOBILITY INSURANCE POLICY.

Basis of Settlement - the period stated is increased from 2 years to 3 years.

Improvements are made in the following benefits:
'Get You Home' - paragraph (1) is restated as follows:
(1) following breakdown due to lack of charge in the batteries caused by normal usage.

Personal Accident - the benefits payable in the event of your death will be the original purchase price of the mobility equipment, or £1000, whichever is the greater.

Hire costs - the limit in any one year of insurance is increased from £100 to £250.

Hospitalisation Benefit - The maximum payable in one year is increased from £125 tp £250.

Mugging - the payable limit is increased from £100 to £250.

The following additional benefits are included:

Legal Expenses - legal expenses incurred in negotiating for your legal rights to obtain compensation from a third party in respect of your death or bodily injury or loss of, or damage to, your property, arising directly as a result of your use of the mobility equipment, up to a maximum of £25 000 in any one year of insurance.

Manual Wheelchair - any manual wheelchair belonging to you, up to a maximum value of £1 000, provided that full details have been lodged with the insurer.

Alternative Mobility Equipment - if, as the same time as the mobility equipment is damaged you suffer bodily injury, which makes the mobility equipment unsuitable for your future use, you will be provided with a suitable replacement up to an amount not exceeding £3 000 above the sum you have insured the mobility equipment for.

Any Driver - the equipment may be used by any adult with our expressed permission.

General

Notification of Claim

You need to notify the insurer of a claim, or of any circumstances or incident that may cause a claim. You should contact us at:

Mark Bates Limited of Premier House, Harlaxton Road, Granthan, Lincs, NG31 7JX.

You should immediately report to the police any incident involving theft, malicious damage, vandalism or loss of property.

The policy document provides full details of the action you should take in the event of a claim.

Language

The policy and associated documentation and al information relating to this insurance communication to you shall be in the English language.

Law

There is a choice of law applicable to this insurance, but unless otherwise agreed between you and the insurer, English Law will apply.

The Insurer

The insurer is Lloyds syndicate 2001 managed by Amlin Underwriting Limited through its service company Amlin Insurance Services.

Cancellation

If, on perusal you decide that you do not wish to accept the policy, you may return it within 14 days of receipt and we will refund the premium.
Otherwise you may cancel the policy at any time and the insurer will allow a refund of premium paid in accordance with its short period rates in force at the time of cancellation.
No refund or premium will be allowed if a claim has occurred during the insurance period.
We may cancel the insurance on behalf of the insurer by sending 14 days' notice to your last known address. We will work out the premium for the period we have been insuring you and refund any difference.

Compensation Scheme Rights

In the event that the insurer is unable to meet the legal obligation under the insurance, you may be entitled to apply for compensation under the financial Services compensation Scheme.

Complaints Procedure

It is always our intention to provide you with a first class standard of service. However, if you are unhappy in any way and wish to make a complaint, in the first instance please contact us at:

Mark Bates Limited of Premier House, Harlaxton Road, Granthan, Lincs, NG31 7JX,

Should the matter not be resolved to your satisfaction, a more formalised complaints procedure will be found in the policy document, or on request.

Ultimately, if your enquiry or complaint cannot be resolved, the laid down procedure will refer you to the Financial Ombudsman Service.

Mark Bates Ltd and the insurer mentioned herein are authorised and regulated by the Financial Services Authority.

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

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