Insurance Products

What is this type of insurance?

Ford asset protection is designed to protect motorists against the financial shortfall that they may be exposed to in the event that their vehicle is written off as the result of an accident, fire, theft or adverse weather conditions.

What is insured?

Your vehicle providing that:

• You are either the owner of the vehicle or have a finance or lease agreement in relation to the vehicle or are the registered keeper of the vehicle
• You are a resident in England, Scotland, northern Ireland, wales, the isle of man or the channel islands on the start date and remain so throughout the period insurance
• You are at least 18 years of age
• You are covered under a fully comprehensive motor insurance policy for the vehicle
• Your vehicle is ten years old or under and it has covered less than 100,000 miles at the start date of the policy

During the period of insurance, following the total loss of your vehicle due to fire, theft, accidental damage or adverse weather conditions, we will pay the financial shortfall between the insured value and:

• The purchase price of your vehicle, including delivery, factory fitted accessories and dealer fitted options as confirmed in the schedule; or
• The early finance settlement amount; whichever is greater, up to the sum insured; or
• In the case of a lease or contract hire agreement, we will pay the difference between the amount paid out by the motor insurer and the early termination charge from the lease or contract hire company, as well as the original up-front payment you made in the form of rentals in advance

We will also cover up to £250 of your motor insurance excess.

What is NOT insured?

If the vehicle is:

• Written off by someone not eligible to drive your vehicle under the terms of the motor insurance policy for whom you gave consent or where the person driving your vehicle did not have fully comprehensive insurance in place for the vehicle
• Written off before the inception of this insurance
• Outside the territorial limits when the total loss occurs

We will not cover:

• Your vehicle if you have not claimed under the motor insurance policy or from a third party through an accident management company or your claim has not been settled on a total loss basis
• If you decline the offer of a replacement vehicle under the terms of the motor insurance policy, or you are eligible for a replacement vehicle under your motor insurance policy but you choose to pursue your claim via an accident management company, then the claim will be settled based on the value of the replacement vehicle and not the settlement figure offered under the motor insurance policy

Note this may result in no sum being paid.

Further Information

• Ford GAP Insurance Policy Leaflet
• Ford Asset Protection Insurance Product Information Document

What is this type of insurance?

Alloy wheel repair insurance is designed to protect customers from the costs of repairs to an alloy wheel fitted to their vehicle following accidental or malicious damage.

What is insured?

Provided your vehicle:

• Is eight years or under and has covered less than 80,000 miles at the start date of the policy
• Has alloy wheels fitted that are of the original manufacturers specification and are not of split rim construction or polished (chromed) finish

Then during the period of insurance, we will pay for the cost of repairs resulting from accidental damage which has occurred to your alloy wheels up to the claim limit shown in the validation certificate.

In the event your alloy wheel is damaged beyond a point where an effective cosmetic repair cannot be carried out then the policy will contribute a maximum amount of £150 including VAT towards the replacement of the alloy wheel.

What is NOT insured?

• Alloy wheels that are aftermarket fitment or not of the original specification for the vehicle
• General wear and tear, corrosion, pitting, discolouration, tar staining, neglect or cracked or buckled wheels
• Theft of the alloy wheel(s)
• Damage present on an alloy wheel prior to the commencement of the policy
• Alloy wheel(s) of split rim construction, with a machine polished (chrome effect) finish, or with a recessed, rebated or raised profile to the rim section. Plastic trims attached to the alloy wheel are also excluded (and must be removed prior to any repair to any covered alloy wheel)
• Damage caused by driving the vehicle while the tyre is deflated; or a replacement tyre being fitted to the alloy wheel
• Any claim which is the subject of fraud, false actions or dishonesty; where the loss is covered by any other insurance; or where it is discovered that the policy was purchased more than 30 days following the delivery date of the vehicle

Further Information

• Ford Alloy Wheel Repair Insurance Policy Leaflet
• Ford Alloy Wheel Insurance Product Information Document

What is this type of insurance?

Cosmetic repair insurance provides cosmetic repairs of minor damage to paintwork without affecting your motor insurance policy or excess.

This insurance is underwritten by AmTrust Europe Limited which is registered in the UK. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Financial services register number: 202189

What is insured?

Provided:

• You are either the registered owner and the keeper of the vehicle
• You are the policyholder or named driver on the motor insurance policy
• You are a resident in England, Scotland, northern Ireland, wales or the channel islands
• Your vehicle is eight years or under and has covered less than 80,000 miles at the start date of the policy
• Your vehicle has a standard paint colour or finish which is not considered specialist, non-standard or an exclusive paint colour or finish. This may include but is not limited to self-healing paint, body wrap, chrome illusion paint, two tone paint or matt finishes#

Then during the period of insurance, we will provide a cosmetic repair or where appropriate a touch- in repair to minor cosmetic damage to your vehicle

Minor cosmetic damage means:

• A chip which is a chipped area on your vehicle, caused in a single incident, up to a maximum of 1.5cm in a diameter or 3mm in depth
• A damaged area caused in a single incident which contains a light scratch, minor dent or scuffed bumper, up to a maximum of 30cm in length or 3mm in depth

In the case of multiple damages being caused by the same incident, the total end of size of the furthermost points of the combined damaged area must also be no larger than 30cm in diameter or 3mm in depth. Any repairs which are estimated to exceed 4 hours to complete will not be considered to be minor cosmetic damage.

• In the event that a cosmetic repair cannot be used to repair minor cosmetic damage on your vehicle under this policy, we will contribute up to a maximum of £150 including VAT towards the cost of having a conventional body shop repair carried out whereby the minor cosmetic damage is repaired as a result

What is NOT insured?

This insurance will not cover minor cosmetic damage:

• That cannot be defined as a light scratch, chip, scuffed bumper or minor dent in any minor cosmetic damage where a cosmetic repair is not technically possible
• To horizontal flat surfaces, roofs, bonnets and boot tops where the repairer deems it’s not possible to achieve a satisfactory finish using cosmetic repair or touch-in repair techniques
• To paint colours and finishes that cannot be suitably matched by the repairer. These include but are not limited to specialist, non-standard and exclusive paint colours and finishes, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes
• To any body panel or part of a panel that has been distorted, ripped, torn or perforated
• Caused by hail, rust, pitting or paintwork discolouration
• That requires replacement of any body panel or part of a panel
• Reported to the administrator more than 30 days after the incident

Further Information

• Ford Cosmetic Repair Insurance Policy Leaflet
• Ford Cosmetic Repair Insurance Product Information Document

What is this type of insurance?

Tyre insurance is designed to protect against the unforeseen costs of having to replace or repair the tyres on your vehicle, as a result of accidental or malicious damage.

What is insured?

• Provided your vehicle is eight years old or under and it has covered less than 80,000 miles at the start date of the policy, then during the period of insurance, we will cover up to five years fitted to your vehicle, which require repair or replacement as a result of damage up to the claim limit shown in the validation certificate

Damage means:

• The sudden and unforeseen deflation of a tyre arising from accidental damage to the tyre itself
• Or malicious damage to the tyre or valve from a third party, necessitating immediate repair or replacement before normal use can be resumed
• Further cover for damage to the tyre sidewalls is provided without sudden and unforeseen deflation, provided that the tyre is deemed illegal as determined by UK MOT testing standards

What is NOT insured?

• Any claim where at the time of damage the tyre tread depth is less than 2mm across any tread area of the tyre
• Any malicious damage claim, which is not accompanied by a valid and substantiated crime reference number
• Theft of the tyre(s)
• Tyre(s) which are not ‘E’ marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the tyre(s)
• Wear and tear, including any unevenly worn tyres caused by defective steering geometry outside manufacturers recommended limits, or wheel balance; failure of a suspension component or shock absorber or which in the opinion of a qualified engineer was caused wholly or partly from a lack of maintenance e.g. incorrect tyre pressure.

Further Information

• Product Information Document – Ford Tyre Insurance