This plan summary does
not
contain the full terms and conditions of
the insurance contract, which can be found attached to this leaflet.
Insurance Provider:
The insurance plan is underwritten by
Domestic & General Insurance PLC.
Significant Features and Benefits:
This is a general insurance
contract that provides cover for your domestic appliance against
the costs of:
• Breakdown;
Please see the attached terms and conditions for a full
explanation of these terms.
Statement of price:
Your plan fee will include all costs of purchase
such as premiums and taxes at the applicable rates.
Significant Exclusions and Limitations:
The full list of what is not
covered by your plan is contained in Section 2 of the Terms and
Conditions attached. The following are significant exclusions and
limitations to your cover:
• Breakdown costs if they are still covered elsewhere by any
manufacturer’s, supplier’s, or repairer’s guarantee or warranty;
• If your appliance is over 5 years old and cannot be repaired or is
beyond economical repair, we will source a replacement for you
and you will be required to make a contribution towards the cost.
What we will pay is shown below:
Age of Equipment
What we will pay
Over 5 years and up to 6 years
50% of the current retail price*
Over 6 and up to 7 years old
40% of the current retail price*
Over 7 years
30% of the current retail price*
*The current retail price is the lowest price reasonably available.
and if we cannot reasonably replace your appliance, you will
receive vouchers for the amount we will pay;
• Delivery and installation charges where an appliance is replaced;
• Any costs you may incur to dispose of your original appliance;
• Costs arising from not being able to use your equipment;
• Cosmetic damage;
• Accidental damage;
Duration of the Insurance Contract:
Your breakdown protection will
commence at the expiry of the manufacturer’s guarantee and continue
for a period of 2 or 4 years, depending on what you have selected on
your application form. You should review this cover periodically to
ensure it remains adequate.
Cancellation and Termination:
• You may cancel the plan at any time during the 14 day period after
receiving your plan document. If you have already claimed for a
repair you may be charged a £10 administrative fee. No refund will
be due if you have already claimed and this results in a
replacement appliance or write off settlement.
• You may cancel the plan at any time after the initial 14 day
cancellation period by giving 14 days’ notice, and the following
will apply:
a) If you cancel the plan during your manufacturer’s guarantee period,
and you have not made any claims under this plan, we will give
you a full refund;
b) If you cancel the plan after the manufacturer’s guarantee period
has run out, and you have not made a claim, we will refund the
part of the monies you have paid relating to the remaining full
months of cover;
c) If you cancel the plan and you have made any claim, then no
refund will be paid;
• If your appliance is beyond economical repair, and we have met
our obligations to you under the plan to provide you with a
replacement appliance or monetary settlement, no fees will be
refunded and your plan will end.
You can request a cancellation, by calling us on 08702 426 747, by
emailing us at [email protected] or by writing to Domestic
& General’s Customer Service Manager, Domestic & General
Insurance PLC, Leicester House, 17 Leicester Street, Bedworth,
Warwickshire, CV12 8JP.
We can cancel your plan by giving you 14 days notice in writing to
your last known address. A refund of the amount paid for the
remaining full months of protection will be given.
How to arrange a repair:
You can find details of how to arrange
your repair in section 7 of your plan document. If you need to
contact us before this arrives, call us on 08702 426 748.
How to Contact us or Complain:
If you wish to contact us or complain, then:
• Call the Customer Service Department on 08705 490000;
• Write to the Customer Care Manager at Domestic & General
Insurance PLC, Leicester House, 17 Leicester Street, Bedworth,
Warwickshire CV12 8JP;
• Email us at [email protected] or by clicking on ‘contact
us’ at www.domgen.com
We hope that you will be satisfied with our response to your enquiry.
If you are not satisfied, you can ask for your case to be reviewed by
Domestic & General and a final decision made on behalf of the
Managing Director.
If you are still not satisfied you can ask the Financial Ombudsman
Service to review your case. They can be contacted at: South Quay
Plaza, 183 Marsh Wall, London E14 9SR. Email:
The Financial Services Compensation Scheme:
We are covered by
the Financial Services Compensation Scheme. You may be entitled
to compensation under the scheme if we cannot meet our
obligations. This depends on the type of business and the
circumstances of the claim. Our obligations are covered for 100% of
the first £2,000 and 90% of the remainder of the claim without any
upper limit. Further information about compensation scheme
arrangements is available from the FSCS at www.fscs.org.uk.or by
writing to them at: FSCS, 7th Floor, Lloyds Chambers, 1 Portsoken
Street, London E1 8BN
Direct Debit Guarantee:
This guarantee is offered by all Banks and
Building Societies that take part in the Direct Debit
Scheme. The efficiency and security of the scheme
is monitored and protected by your own Bank or
Building Society. If the amount to be paid or the payment dates
change, Domestic & General will notify you 14 days in advance
of your account being debited or as otherwise agreed. If an error
is made by Domestic & General or your Bank or Building Society,
you are guaranteed a full and immediate refund from your branch
of the amount paid. You can cancel a Direct Debit at any time by
writing to your Bank or Building Society. Please also send a copy
of your letter to us. N.B. The fee will be collected over 10
consecutive months commencing approximately one month
after receipt of the completed application. On expiry of the initial
period the renewal fee will be deducted on a quarterly basis
unless cancelled.
Summary of Protection
of the Extended Insurance Plan
2
