MBP Fleet Policy Summary
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MBP 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 Fleet policy provides cover for your vehicles. The policy will protect you and the permitted drivers, and comprises of 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 |
Loss of or damage to your vehicle | Yes | Yes Fire & Theft only | No |
Accident Recovery and Approved Repairer Network | Yes | Yes Fire & Theft only | No |
Medical expenses | Up to £250 each | No | No |
Personal effects | Up to £250 | No | No |
New vehicle replacement | Yes | No | No |
Windscreen/ window breakage | Yes | No | No |
Replacement locks | Yes | Yes Fire & Theft only | No |
Breakdown Assistance provided by the AA (If Enhanced Benefits are opted for) | Yes | Yes | Yes |
Driving abroad: Cover available in most European Countries | Yes | Yes | Yes |
European breakdown cover (If Enhanced Benefits are opted for) | Yes | Yes | Yes |
Uninsured Loss Recovery provided by DAS | Yes | Yes | Yes |
Significant and unusual exclusions or limitations
Your policy excludes some situations. Please refer to your policy booklet Sections 1 – 18 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).
The standard policy excesses are detailed in the table below
PLEASE NOTE: There are certain circumstances where the excess levels may vary to the standard. You will be made aware of these circumstances and details of the excesses applicable will be provided in your policy schedule.
Standard Excess | £250 |
Young Driver Excess: Aged 24 or under | £350 |
Windscreen Excess - REFER TO POLICY SCHEDULE FOR FULL DETAILS |
- Loss or damage arising from theft or attempted theft while the ignition keys of your vehicle have been left in or on your vehicle. (See Section 1)
- Loss of use, depreciation, wear and tear, or mechanical, electrical or computer breakdowns, 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)
“General Exceptions” see page 27 of the Policy Document
There are certain circumstances where your policy does not provide cover and specifically while any vehicle is being used or driven other than in accordance with the terms of your certificate of Motor Insurance.
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.