Insurance Cont

Premier Care and Premier Care Plus

INTRODUCTION 

Our Premier Care and Premier Care Plus policies are designed for owners of mobility scooters and power chairs valued at up to £7000. 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 referrd 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 only.

 POLICY SUMMARY 

Premier Care £65.00 

The Policy is broken down into two separate Sections of cover – Material Damage and Personal Liability.

 Material Damage 

Loss or destruction of 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 Man and elsewhere in the world (subject to prior notification) for up to 30 days in any one year of insurance.  

Basis of Settlement

Insurers will pay in respect of the mobility equipment:

(1) less than 2 years old at their 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 the cost of repair or replacement on the basis of indemnity.

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

 Exclusions

A number of exclusions apply, the ones most specific to the mobility equipment being as follows:
Loss, destruction 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 affects 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.

Loss destruction or damage whilst the mobility equipment is in the possession or control of airport authorities baggagehandlers or on an aircraft.
Loss or destruction of or damage to tyres by application of brakes or by punctures cuts or bursts.
Loss, destruction 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 whilst stored in a locked and secure building) for more than one hour unless
secured to an immovable 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.

Loss, destruction or damage by any cause whatsoever to mobility equipment whilst left in the open
(a) for more than 12 hours
(b) overnight

Any claim resulting from:
(a) racing pace making time or reliability trials in any organised sporting event or whilst practicing 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.

 Extensions

In addition to the above, the following additional covers are provided: 

“Get You Home” - up to £100 for the costs of getting you and the mobility equipment back home following breakdown or insured damage excluding:

(1) loss or destruction of 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, whilst using the mobility equipment away from your home address, you should lose its starter key(s), this 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 same 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 of or damage to personal effects (other than money
stamps tickets documents or securities). 

Temporary Mobility Equipment - cover includes any similar mobility equipment whilst temporarily on hire or loan as a replacement following loss or destruction of or

damage to the mobility equipment, subject to prior notification.

Hire Costs - the cost of hiring similar mobility equipment pending replacement or repair to the mobility equipment following insured loss, destruction 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 - Insurers will pay up to £5 per day for additional expenses incurred by you following hospitalisation as the direct result of insured loss or damage
to the mobility equipment whilst in use, excluding the first 7 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 a police and doctor’s report has been obtained.

Personal Liability

All compensation and 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 property, arising in connection with the ownership, possession or use of the mobility equipment by you,upto£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 incidents first notified to you during the current year of insurance.  

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

A number of exclusions apply, the ones most specific to this cover being 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 this policy
(4) an award of any court outside the United Kingdom the Channel Islands or the Isle of Man. 

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 Man

(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. 

 The above is a summary of the cover provided by our
 PREMIER CARE MOBILITY INSURANCE POLICY.

The following enhancements are provided by our
PREMIER CARE PLUS MOBILITY INSURANCE POLICY:

Premier Care Plus £90.000

Basis of Settlement

The period stated is increased from 2 years to 3 years.

Extensions

Improvements are made to the following Extensions: 

‘Get You Home’ – paragraph (1) is restated as follows:

(1) following breakdown due to lack of charge in the battery 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 any one year of insurance is increased from £125 to £250. 

Mugging – the payment limit is increased from £100 to £250. 

The following additional Extensions 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 £1000 provided that full details have been lodged with Insurers

Alternative Mobility Equipment - if, at the same time as the mobility equipment is damaged you suffer bodily injury, which makes mobility equipment unsuitable for
your future use, you will be provided with a suitable replacement up to an amount not exceeding £3000 above the sum you have insured the mobility equipment for.  

Any Driver – the equipment may be used by any adult with your express permission.  

Notification of Claims 

If you need to notify insurers of a claim, or of any circumstances or incident that may cause a claim, you should contact us at:  

Mark Bates Ltd Premier House Harlaxton Road Grantham NG31 7JX Telephone: 01476 593887 

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 all information relating to this insurance communicated 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 insurers, English Law will apply.

Insurers

The following insurers underwrite the insurance described herein: 

Cedar Insurance Company Ltd in respect of Material Damage. 

The Underwriting Members of Wellington, Syndicate 2020 at Lloyd’s in respect of Personal Liability. 

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.