In the event of a non fault accident, call us on:  028 9048 4484

Car Excess Insurance - Policy Summary

About this document

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, so please take time to read the policy documents to make sure you understand the cover it provides.

Insurer:

Your insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Great Lakes Insurance SE.

Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, Street, London, EC3M 3AJ. 30 Fenchurch UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

What is covered?

MIS Motor Excess insurance will reimburse any excess paid by you under your motor insurance following the successful settlement of any valid insurance claim. In any one period of insurance and provided the total amount payable under any claim on the motor insurance exceeds the value of the excess and that the incident leading to that claim under the motor insurance occurred during the period of insurance.

Cover levels available:

Duration of cover

12 months from the date of inception of this insurance as detailed on the policy schedule.

Exclusions and limitations

• Any excess in respect of any claim under your motor insurance policy solely in respect of glass repair or replacement.
• Any excess in respect of any claim reported to us more than 14 days after settlement of the claim under your motor insurance policy.
• Any excess in respect of claims which have been reimbursed by any third party or form part of a legal expenses claim.
• Any excess in respect of any claim which occurred prior to the commencement date of this policy as shown on your insurance schedule.
• Any excess in respect of any claim arising from War or Terrorism.

Cancellation right

We hope you are happy with the cover this policy provides. However, if after reading this document, this insurance does not meet with your requirements, please return it to MIS within 14 days of receiving the insurance documents and we will refund your premium in full. If there has been a claim during the period of insurance or if a claim is outstanding, there will be no refund of premium.

Making a claim

If you have a claim, please call MIS Claims by telephoning 0845 4911111 as soon as possible.

Complaints

It is the intention to give you the best possible service, but if you do not have any questions or concerns about this insurance or the handling of a claim you should follow the proceedure below.

Complaints regarding the sale of your policy should be directed to:

• Motorists Insurance Services Ltd,
• Beechwood House,
• Comber Road,
• Dundonald,
• Belfast,
• BT16 2AA
• Telephone: 028 9041 0220

Complaints regarding a claim on your policy should be directed to:

• Motorists Insurance Services Ltd,
• Beechwood House,
• Comber Road,
• Dundonald,
• Belfast,
• BT16 2AA
• Telephone: 028 9041 0220

If your complaint cannot be resolved by Motorists Insurance Services Ltd by the end of the next working day, it will be passed to:

• The Customer Relations Department,
• UK General Insurance Limited,
• Cast House,
• Old Mill Business Park,
• Leeds
• LS101RJ
• Telephone: 0845 218 2685
• Email: customerrelations@ukgeneral.co.uk

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than £2,000,000 and fewer than 10 staff. You may contact the Financial Ombudsman Service at:

• Financial Ombusman Service,
• South Quay Plaza,
• 183 Marsh Wall,
• Docklands,
• London,
• E149SR
• Telephone: 0800 0234 567
• Email: complaint.info@financial-ombudsman.org.uk

Compensation scheme

Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS orvisit www.fscs.org.uk.

We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575

This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.

We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.

The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.

Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.

For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.

We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.

This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at dataprotection@ukgeneral.co.uk. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.