Big Car Policy Summary
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Our BIG car policy is based on our MBP minibus policy. A copy summary of cover is enclosed.
MBP Non Fleet Policy Summary
This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy document. It is important that you read the policy document carefully when you receive it.
Name of the insurance undertaking
The insurer of this policy is QBE Insurance (Europe) Limited (QIE) part of QBE European Operations, a division of the QBE Insurance Group. Registered Address: Plantation Place,
30 Fenchurch Street, London, EC3M 3BD.
Type of insurance and cover
The MBP policy provides cover for your vehicle comprising Comprehensive, Third Party Fire and Theft or Third Party only cover, as selected by you when requesting the quote and itemised in your Schedule.
Significant features and benefits
Your policy includes the following features, which are explained in detail in your policy booklet:
Cover | Comprehensive | Third Party Fire & Theft | Third Party Only |
Liability for death or bodily injury to Third Parties | Yes | Yes | Yes |
Liability for damage to other people’s property. | Yes | Yes | Yes |
Legal costs incurred with our consent, in connection with a claim against your policy | Yes | Yes | Yes |
Loss of or Damage to your vehicle | Yes | Yes Fire & Theft only | No |
Medical expenses | Up to £100 each | No | No |
Personal effects | Up to £100 | No | No |
New vehicle replacement | Yes | No | No |
Windscreen/ window breakage | Yes | No | No |
Replacement locks | Yes | Yes Fire & Theft only | No |
Additional Public Liability Cover in the course of a fare paying journey (Optional) | Yes | Yes | Yes |
Breakdown Assistance provided by the AA (Optional) | Yes | Yes | Yes |
Accident Recovery and Approved Repairer Network | Yes | Yes Fire & Theft only | No |
Driving abroad: Cover available in most European Countries (please refer to the policy booklet for full details) | Yes | Yes | Yes |
European breakdown cover provided by the AA (Optional) | Yes | Yes | Yes |
Uninsured Loss Recovery provided by DAS (Optional) | Yes | Yes | Yes |
Significant and unusual exclusions or limitations
Your policy excludes some situations. Please refer to your policy booklet Sections 1 – 16 for full details, as well as the individual ‘policy schedule’ documentation we issue but the most significant or unusual exclusions are outlined below. Your policy excludes or limits the following:
- The first part of any claim – this is known as the “excess” (See Section 1). These are detailed in the policy schedule to which you should refer and may differ dependent on the age of the driver of the vehicle and may also differ if the claim relates to the loss or damage to the glass in your vehicles windscreen, sunroof or windows, or for any scratching of the bodywork arising solely from the breakage of glass.
- Loss or damage arising from theft or attempted theft whilst the ignition keys of your vehicle have been left in or on your vehicle. (See Section 1)
- Loss of use, depreciation, wear and tear and mechanical, electronic, computer, electrical failures or breakages. (See Section 1)
- The maximum amount payable for damage to a third parties property will be £20,000,000 where your vehicle is a Private Car or Motorcycle, but limited to £5,000,000 in respect of all other vehicles. (See Section 2B) The amount payable under this section for damage to property is limited to £250,000 while your vehicle:
(i) is carrying any High Category Hazardous Goods(ii) is being used or driven at any Hazardous Location other than in any area designated for access or parking by the general public
- In respect of an act of terrorism the maximum amount we will pay for damage to property will be limited to £5,000,000. (See Section 2)
Inappropriate use (see page 26 of the Policy Document)
We will not pay for any accident, injury, loss or damage that occurs while your vehicle is being used for a purpose not shown under the “Description of use” section of your certificate of insurance or while it is being driven by any person not described in your certificate of insurance as entitled to drive.
General Information
Duration of Policy
The policy will remain in force for 12 months from the date of commencement, or as otherwise shown on your policy schedule.
Cancellation rights
If you are an individual/sole trader (including a partnership in England and Wales) buying a policy which provides cover for you in both a private and business capacity, you have the right to cancel your policy during a period of 14 days either from the day of conclusion of the contract or the day on which you receive your policy documentation, whichever is the later.
If you wish to do so, and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
Alternatively, if you wish to do so and if the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered, calculated as a proportion of the time for which the insurance would have provided cover and for any cost incurred by MBP in issuing the policy.
To exercise your right to cancel your policy, please contact your insurance adviser, at the address shown on your covering documentation. Please also return your certificate of motor insurance.
However, if you are not an individual/sole trader (including a partnership in England and Wales) there are no cancellation rights under this policy.
Making a Claim
If you want to make a claim under this policy, call MBP on 0800 389 1708. The MBP incident managers offer help and advice 24 hours a day, 365 days a year. Please see your policy booklet for further information.
How to make a complaint
We hope that you will be pleased with the service we provide. However, if you have a complaint about our service or about a claim, please call MBP on 0845 603 8795. If you are still not satisfied please write to the Managing Director of MBP at:
MBPMill CourtMill StreetStaffordST16 2AX
If you are still not happy with the response you have received, you have the right to ask the Financial Ombudsman Service to review your case.
The Financial Services Compensation Scheme
QIE are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if QIE cannot meet their obligations. This depends on the type of business and the circumstances of the claim.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. For other classes of insurance, advising and arranging is covered for 100% of the first £2,000 of a claim and 90% of the remainder of the claim. There is no upper limit in either case.
Further information about compensation scheme arrangements is available from the FSCS.