Policy summary

Our Premier Care Mobility Warranty and Accidental Damage policy is designed for owners of mobility equipment for use in the home such as beds, chairs, hoists, bath lifts and stair lifts and provides financial protection in the event of accidental damage, including damage following accidental mechanical or electrical breakdown.

Warranty cover is available on both new and used equipment.

For new products protection will commence immediately after the manufacturers’ guarantee expires and you will be given the option of being protected for 12, 24, 36 or 48 months. The cover for used products is for 9 months beginning 3 calendar months after the equipment has been purchased. Before expiry date policies for both new and used products will be offered renewal for a period of 12 months only.

Accidental damage insurance commences as soon as you have agreed to take out the policy and you will not have to wait until the manufacturers’ guarantee expires or the 3 months moratorium period ends on used products

This document includes a general summary of the cover provided by the policy. For precise details, including the full conditions and exclusions that apply, the policy document should be referred to. A copy will be supplied upon request.

Section A – Warranty

Insured event

Mechanical or electrical breakdown of your equipment whilst in the United Kingdom, 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 period of cover.

Basis of settlement

The insurer will pay the following in respect of the equipment.

1) For equipment purchased new and less than 3 years old At its option, the cost of repair to or replacement of the equipment to a condition equivalent to or substantially the same as, but not better or more extensive than, its condition when new.

2) For equipment more than 3 years old or purchased second hand At its option

a) the cost of repair or the value of your equipment after allowance for wear, tear and depreciation whichever is the lesser or

b) the cost of replacement after allowance for wear, tear and depreciation. 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 and the following are the ones most specific to the equipment being insured.

1) The policy excludes any breakdown incurred

a) during the manufacturer’s, supplier’s or any other warranty or guarantee period.

b) where any equipment or any of its parts are the subject of a manufacturer’s recall or modification.

c) whilst the equipment is used for commercial or other non-domestic purposes.

d) as a result of routine maintenance, servicing, cleaning, overhaul or modification.

e) where no fault is found with the equipment.

2) The policy excludes breakdown as a result of

a) any cause external to the equipment, theft or attempted theft or any intentional act.

b) wear and tear, corrosion, rust, contamination, gradual deterioration, defective workmanship or misuse.

c) strikes or industrial action.

d) you disregarding the manufacturers’ operating or user maintenance instructions.

e) modification or servicing not carried out in accordance with the manufacturer’s instructions.

f) incorrect installation, modification or maintenance of electricity supplies used to provide power to the equipment.

g) suspension or termination of any mains services due to any act, failure or default by you or other persons.

h) gaining access to or working upon the equipment.

3) The policy shall not apply

a) if any part or component is no longer available or is out of manufacture.

b) in respect of plugs, fuses, springs, batteries, light bulbs, light covers, paintwork trim, cables, filters, attachments, seat covers, framework, bodywork or external accessories.

c) for more than one repair to, or replacement of, any one part of the equipment.

d) to breakdown where the fault was evident during the manufacturer’s warranty period or before commencement of the policy.

Section B – Accidental damage Insured event Loss of or damage to the equipment by any accidental cause whilst within your private dwelling.

Basis of settlement

The insurer will pay the following in respect of the equipment.

1) For equipment purchased new and less than 3 years old At their option, the cost of repair to or replacement of the equipment to a condition equivalent to or substantially the same as, but not better or more extensive than, its condition when new.

2) For equipment more than 3 years old, purchased second hand or when components cannot be obtained At their option

a) the cost of repair or the value of your equipment after allowance for wear, tear and depreciation whichever is the lesser; or

b) the cost of replacement after allowance for wear, tear and depreciation. 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 and the following are the ones most specific to the equipment being insured.

1) Loss or damage due to any manufacturing defect, wear and tear, gradual deterioration, corrosion, rust, contamination, electrical or mechanical breakdown, defective workmanship or misuse.

2) Any process of cleaning, altering, servicing or repairing.

3) Theft due to loss of the equipment by deception.

4) Damage resulting in staining of the equipment which cannot be removed by a professional cleaning contractor.

5) Burns or scorching caused by cigarettes, cigars or tobacco pipes or lighted materials used in connection with them.

6) Scratching or denting, unless it affects the normal operation of the equipment.

7) Damage caused by animals.

Please Click Here for Straight Stairlift Insurance Policy Document