i)

At the time of the Mechanical Breakdown the Vehicle must be taxed and legal for use on the public highway.

ii)

Tapajen Cars reserve the right to inspect / examine the Vehicle and / or damaged parts prior to any repair work being undertaken. No claim will be considered where it is established by an independent engineer that the faults were caused by a lack of servicing and / or maintenance. Should the independent engineer appointed by the Company be unable to carry out their assessment for any reason, other than their own, then the responsibility of arranging a further inspection, and payment for same, will be the responsibility of the Insured.

iii)

If any difference should arise as to the amount to be paid under this Warranty (liability being otherwise admitted), such difference shall be referred to an independent Arbitrator. The decision is binding on both parties and shall be a condition precedent to any right of action against the Insurers.

iv)

N/a

v)

It is the responsibility of the Insured to fully comply with the Conditions, Exclusions, Servicing Schedule and Claims Procedure in this Policy in so far as they relate to anything to be done or complied with by the Insured.

vi)

If any claim made is in any respect fraudulent or if any fraudulent means or device is used by the Insured or anyone acting on behalf of the Insured to obtain indemnity or benefit under this insurance, all claims hereunder shall be forfeited.

vii)

The Insured is responsible for the first £50 of any claim where the Vehicle mileage exceeds 50,000 miles at the time of a claim being admitted by the Insurers, who also reserve the right to specify the use of, reconditioned or exchange units.

viii)

In the event of a claim being admitted, the Insurers reserve the right to request a contribution from the Insured towards the cost of the part(s) and / or labour charges quoted should the Vehicle be in a better condition than it enjoyed immediately prior to the failure.

ix)

The warranty of commercial vehicles is subject to a mileage limitation of 12,000 miles in any 12-month period. The mileage for other than 12-month policies shall be calculated on a pro-rata basis.

x)

Vehicle dismantling charges will only be reimbursed as part of a valid claim subject to the Limit of Indemnity. The Insured must authorise any dismantling and to pay such charges should it be established that the failure is not the responsibility of the Insurers.

xi)

If, at the time of failure, which may give rise to a claim under this insurance, there is any other insurance, guarantee or warranty covering the same failure, then the Insurers shall not be liable to pay or contribute more than their rateable proportion.

xii)

Neither the Company nor the Insurers shall be liable in the event of non-receipt of the premium by the retailer. The supplying retailer does not act as an agent for either the Company or the Insurers.

xiii)

The parties are free to choose the law applicable to this contract of insurance. Unless specifically agreed by the Insurers to the contrary this insurance shall be subject to English Law.

xiv)

This insurance may not be transferred or assigned by the Insured without the consent of the Company. If the vehicle is sold privately the new owner may request the transfer of the remaining Limit of Liability of this insurance in accordance with the Transfer Of Ownership page within this booklet. The Company reserves the right to decline any transfer request.

i.

Mechanical breakdown where the fault(s) could be reasonably stated to have existed prior to the commencement of this insurance.

ii.

Cylinder head cracks / porosity and gradual reduction in operating performance of any of the items listed as being covered components, or any faults that could be attributed to the quality of the fuel being used.

iii.

Any claim unless the Vehicle has been serviced in accordance with the requirements of this insurance or where the odometer has been tampered with, altered or disconnected.

iv.

Repairs or replacements not authorised by the Company or Insurers, routine servicing and / or maintenance, or vehicles modified in any way from the manufacturers’ specification. This shall also include any faults that could be reasonably stated to have been caused by the incorrect setting up of the Engine Management System.

v.

Any items or parts which have not actually failed, or parts replaced or reported during routine servicing and / or maintenance. Or any item or part which can be considered as having inherent design faults or are subject to a manufacturers’ recall.

vi.

Any vehicle used for hire or reward. Any vehicles used in any sort of competition, rallying, racing or any vehicles owned by a garage / motor trader or its associated companies engaged in the motor trade.

vii.

Any consequential loss of whatsoever nature, third party liability or any liability for death or bodily injury or damage to any property of any description.

viii.

Any damage occurred in whole or in part due to any type of road traffic accident or collision or off road use or water ingress.

ix.

Claims not notified to the Company during the Period of Insurance, or any claims not forwarded by Recorded Delivery to the Company within seven days of any occurrence giving rise to a claim.

x.

The maximum claim liability for repairs shall not exceed the maximum claim liability as stipulated on the Validation Certificate. This sum shall also include the Additional Benefits section of this policy.

xi.

The Conditions and Exclusions of this policy cannot be altered and / or amended by any party without the written authority of the Company.