Terms and Conditions
POLICY NUMBER: LGIKF011113
Contract Of Insurance
This is a contract of insurance between you, the owner (You/Your) of the vehicle at the time of purchase of the insured tyre(s) and London General Insurance Company Limited (We/Us/Our).
Customers With Additional Requirements
To request a copy of the policy in large print please call Kwik-Fit (GB) Ltd Customer Services on 0800 222 111.
Subject to the correct premium having been paid, We will provide insurance as detailed below.
Understanding Your Policy
Please read this Policy carefully and make sure You understand and fully comply with its terms and conditions, as failure to do so may jeopardise the payment of any claim which might arise and could lead to the Policy becoming void.
Your Policy should be kept in a safe place so You can read it again if You need to.
What Is Insured
This Policy insures against accidental damage or malicious damage to Your tyre(s) that bear the DOT number(s) on Your invoice.
Accidental damage means the sudden and unforeseen deflation or other damage of the tyre itself or the valve, caused accidentally which requires the immediate repair or replacement before normal use can be resumed.
Malicious damage is considered to be deflation or damage to the insured tyre or the valve caused intentionally by a third party, which requires a repair or a replacement before normal use can be resumed.
In the event of accidental damage or malicious damage, provided the tyre(s) tread depth complies with UK road traffic regulations, Kwik-Fit will, on behalf of the Insurer:
- Repair the tyre(s) where possible; or
- Replace the tyre(s) with one of the same or similar specification.
The Repair or Replacement includes the cost of a replacement valve, wheel balancing and environmental disposal.
This Policy will end on the earlier of:
- 12 months from the date of purchase; or
- When the insured tyre has been repaired three times; or
- When the insured tyre has been replaced.
The insurance for each insured tyre will end immediately upon replacement of that tyre or completion of three repairs on that tyre.
Where more than one tyre is insured, insurance applies separately to each tyre.
All insurance will cease if the insurance for all insured tyres has come to an end.
Any claim arising from or as a result of;
- A tyre that is below the UK legal limit of tread depth.
- Any malicious damage claim not accompanied by a valid and substantiated crime reference number.
- Damage that has occurred to any part of the vehicle except the insured tyre(s) as a result of the tyre damage.
- Any loss directly or indirectly suffered by You as a result of the tyre damage.
- Fire or theft.
- Where no accidental damage or malicious damage has occurred, but due to general wear and tear and deterioration under normal use, the tyre(s) has reached the end of its normal effective working life.
- Manufacturing defects or faults including a manufacturer’s recall.
- Tyres fitted to vehicles that are used during the duration of insurance for:
- professional instruction,
- commercial or agricultural vehicles,
- hire or reward,
- driving school tuition,
- motor racing,
- track days (timed or untimed),
- speed testing or any other competitive or off road event.
- Tyres fitted to vehicles that have been modified during the period of insurance, outside the manufacturer’s specification, for example engine enhancements or lowering of the suspension.
- A tyre that is not DOT marked and where there has been an attempt to remove the serial number or other identifying marks from the tyre.
- When applying for this insurance, or submitting a claim You or anyone acting on Your behalf must take reasonable care to answer all questions honestly and to the best of Your knowledge. Failure to do so may affect the validity of Your policy or the payment of Your claim.
- The laws of England and Wales will apply to this Policy.
- This Policy is written in English and all correspondence will be in English.
- This insurance may not be assigned to a third party or another vehicle. If You sell and/or transfer the vehicle to another person, motor dealer, or trader during the period of insurance all insurance will end upon such sale or transfer. No premium will be refundable.
How To Make A Claim
- You can call any Kwik-Fit Group tyre centre or take Your vehicle to any one of them.
- If a Kwik-Fit centre is not in reasonable proximity to Your location, please contact Customer Services and they will direct You to the nearest suitable centre. You may need to pay for the replacement and be reimbursed by Kwik-Fit. If this is the case Customer Services will tell You when You make a claim. You can contact Kwik-Fit by telephone or post using the details below:
0844 875 1111 (8am – 6pm weekdays, excluding public holidays, calls are recorded for quality purposes).
Kwik-Fit Customer Services,
ETEL House, Avenue One,
Letchworth Garden City,
Herts, SG6 2HU.
If your claim is for malicious damage Kwik-Fit or the alternative centre will also need to see your crime reference number.
Kwik-Fit or the alternative centre will repair or replace Your tyre(s) in accordance with the terms of this Policy.
Cooling Off Period
You may cancel this Policy within 14 days of the sales receipt date. If You choose to do this You are entitled to a full refund of the premium paid, provided that no claim has been made.
Cancellation (Outside the cooling off period)
If You cancel Your Policy outside the 14 day cooling off period and provided that no claim has been made, You will be entitled to a pro rata refund of Your premium based on the number of full months of unexpired insurance, subject to a minimum premium of £5, which will be retained by Us. Where Your refund is calculated to be less than the minimum premium no refund will be due. The minimum premium reflects our cost in setting up and administering Your insurance.
You can cancel Your Policy by contacting Kwik-Fit (GB)
Ltd Customer Services on 0800 222 111.
Our Cancellation Rights
We may cancel Your Policy by giving you no less than 14 days’ notice in writing to You at Your last known address. Subject to the premium having been paid in full You shall be entitled to a pro-rata refund premium based on the number of full unexpired months of insurance remaining.
Customer Service / Complaints
Your complaint will be handled in accordance with our
complaints handling procedure, which is available upon
We aim to provide a first class service but if You feel You have questions or concerns about this insurance or the handling of a claim please contact:
Kwik-Fit (GB) Ltd,
ETEL House, Avenue One,
Letchworth Garden City,
Herts SG6 2HU.
0800 222 111 (8am – 6pm weekdays, excluding public holidays, calls are recorded for training, monitoring and quality purposes).
If Your complaint is not resolved to Your satisfaction, You may within 6 months of a final decision contact;
Financial Ombudsman Service,
Harbour Exchange Square, London E14 9SR.
0800 023 4567 / 0300 123 9 123
Referral to the Financial Ombudsman Service does not affect Your legal rights.
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if We cannot meet Our liabilities. You are covered for 90% of the entire claim without any upper limit.
You may obtain more information from the Financial Services Compensation Scheme at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or telephone 0800 678 1100 or 0207 741 4100.
Your Tyre Insurance Policy has been arranged by Kwik-Fit (GB) Ltd, ETEL House, Avenue One, Letchworth Garden City, Herts SG6 2HU (FRN 584126) as an Appointed Representative of Cosmos Risk Solutions, UK Branch of Cosmos Services Company Ltd (CRS), 3rd Floor, Minories House, 2-5 Minories, London EC3N 1BJ. CRS is authorised and regulated by the Financial Conduct Authority FRN312504.
Your Insurance Policy is underwritten by London General Insurance Company Limited (Company no: 01865673), Registered Office: TWENTY, Kingston Road, Staines-Upon-Thames, Surrey,TW18 4LG. London General Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority FRN 202689.
You may verify the names, addresses and statutory status on the FCA’s website at www.fca.org.uk/register. The FCA’s telephone number is 0800 111 6768.
The details You supply will be used by Kwik-Fit (GB) Ltd to administer Your insurance and to handle Your claim and Us in respect of underwriting and administering Your insurance. Please note that telephone calls may be recorded by Kwik-Fit for training and monitoring purposes. We are the data processors of the personal data You provide and are committed to protecting the privacy and security of Your personal information.
This includes Your name as well as Your contact details such as physical address, phone number and e-mail-address. If You do not provide the personal data required We may be unable to provide the services contained under the policy.
In addition to administration of Your Plan, including claims and fraud prevention, this may involve sharing Your information confidentially with suppliers of products or services (including repairs) engaged by You or by Us in the purchase or performance of the policy.
We may provide by post, email, text or telephone administrative information including expiry/renewal details. We may also provide other information in this way, including marketing about this and other similar products provided by Our group of companies (which includes The Warranty Group Services (Isle of Man) Limited, TWG Services Limited and London General Insurance Company Limited) but You may contact Us at any time to stop receiving any such other information. Your details will not be used for any other marketing purposes.
Your personal data will be transferred outside the EU for policy administration.
Your personal data will at all times be held securely and handled with the utmost care in accordance with all principles of EU Data Protection law.
Your personal data will be kept for only as long as necessary after which time it will be destroyed if it is no longer required for the lawful purposes for which it was obtained.
You have a number of rights to Your data these include the right to be informed, have access, rectification, receive Your data in a transferable format, erasure, restriction of processing and object to how Your data is processed.
To obtain a copy of Your personal data held by Us, for more information on the rights to Your data or to exercise one of Your data rights please contact Our Data Protection Officer or see Our website for more details.
Our Data Protection Officer can be contacted via Our Customer Relations Team using these details: Customer Relations Department at TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL1 70A. Telephone: 0330 100 3246. Email: firstname.lastname@example.org.
You have the right to make a complaint at any time to the Information Commissioner, the UK supervisory authority for data protection issues. You may obtain a copy of the data held about you by contacting:
Kwik-Fit (GB) Ltd,
Letchworth Garden City,
Herts, SG6 2HU.
0844 875 1111
(8am – 6pm weekdays excluding public holidays, calls are recorded for training, monitoring and quality purposes)