Change of Insurance Company

Building Block Insurance PCC Limited authorised and regulated by Malta Financial Services Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority, financial services register reference number 616033. The nature and extent of consumer protections may differ from those firms in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Fortegra Europe Insurance Company SE UK Branch, a branch of Fortegra Europe Insurance Company SE (Financial Conduct Authority registration number 805770).

The policy is underwritten by a different insurer which means a contract of insurance will exist between you and a different insurer than previously.   The change does not affect the Financial Services Compensation Scheme (FSCS) policyholder protection scheme in the event of default by the insurer or your right to refer a complaint to the Financial Ombudsman Service

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Roadworthy Condition Definition

Means that the Vehicle has been maintained in line with the manufacturer’s guidelines, holds a current UK MOT certificate where appropriate and there are no known faults with the Vehicle.

The Insured Vehicle has been driven regularly within the last 30 days and maintained and serviced in line with the manufacturer’s guidelines, this means Your Insured Vehicle holds a current MOT certificate (where applicable), valid insurance, road tax and there are no known faults with the Insured Vehicle.

Your vehicle must be kept inline with manufacturers guidelines including being serviced at manufacturer specified intervals and must have been driven within 30 preceding any claim.

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Breakdown Definition

Means the Insured Vehicle has ceased to function as a result of an electrical or mechanical failure, misfuelling, or running out of fuel, including the failure of the Insured Vehicle’s battery and/or tyres, but not as a result of accident, fire, flood, theft or act of vandalism. Locking within the Insured Vehicle, or Loss of, or Damage to or the failure to operate of any key or device used to secure or gain access to the Vehicle which enables Your Vehicle to be started and driven.

Where the Insured Vehicle is immobile and has ceased to function as a result of:
• an electrical or mechanical failure; or
• (within the UK only) misfuelling or running out of fuel or electrical charge; or
• the failure of the Insured Vehicle’s battery; or
• a flat, blown or punctured tyre.
Breakdown does not include where the cause is as a result of:
• an Accident, fire or flood; or
• any theft or act of vandalism; or
• not being able to gain access to the Insured Vehicle; or
• not being able to start the Insured Vehicle due to the loss or damage of keys or device used to gain access to the Insured Vehicle or their failure to function.

Definition chnaged to include immobile as part of the definition of a breakdown. This means you are not able to drive the vehicle.

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Mobile Tyre Fitter Call Out Benefit Limit

£70

£40

The amount the policy will pay towards a mobile tyre fitter is now £40.

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Cancelled Callout Fee

You may be charged a fee of £98.40 if within the UK or £168 if You are in Europe, in the event:
• A Recovery Operator is unable to lawfully access the Insured Vehicle, for example if the Insured Vehicle is on private land, such as a campsite.
• No fault is found with the Insured Vehicle upon inspection by a Recovery Operator; or
• The Insured Vehicle is not in an accessible location when You have informed the Claims Handler otherwise; or
• You are not with the Insured Vehicle when a Recovery Operator arrives; or
• You cancel Your recovery after initially calling the Claims Handler; or

You may be charged a fee of £125 if within the UK or £225 if You are in Europe, in the event:
• A Recovery Operator is unable to lawfully access the Insured Vehicle, for example if the Insured Vehicle is on private land, such as a campsite.
• No fault is found with the Insured Vehicle upon inspection by a Recovery Operator; or
• The Insured Vehicle is not in an accessible location when You have informed the Claims Handler otherwise; or
• You are not with the Insured Vehicle when a Recovery Operator arrives; or
• You cancel Your recovery after initially calling the Claims Handler; or

In the event of the detailed scenarios the payable charge will be £125 if within the UK or £225 if You are in Europe.

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Policy Condition

If requested You must provide evidence of Your Vehicle’s MOT (where applicable) and/or receipts/invoices for any work that has been undertaken as a result of a Breakdown or in the recent past.

If requested, You must provide Your Insured Vehicle’s valid MOT test certificate (where applicable), proof of service history and/or receipts/invoices for any work that has been undertaken that may relate to the nature of the Breakdown.

If requested you may be asked to provide details of vehcile service history, along with details of the vehcile MOT and any work that has been undertaken. If the claim handler are not able to obtain from other sources.

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