This section details the full terms of the agreement including any exclusions.
1. Pinnacle Warranties provides this agreement, to minister the repair request in connection with the agreement protection. The agreement is set out to cover the sudden and unforeseen mechanical or electrical failure or breakage of an item as covered by the Essential, Enhanced and Elite options, which causes a sudden stoppage of its function. General wear and tear or metal fatigue is not covered by this agreement unless the vehicle has not exceeded 80,000 miles or 8 years (Essential and Enhanced) or 100,000 miles or 10 years (Elite), whichever occurs first, from the point of manufacture.
2. This agreement will reimburse you for the failed component(s), labour and VAT, subject to complying with the correct claims procedure and the failed component(s) being covered under the terms of your specific agreement.
3. The total claim benefit will be up to the claim limit less any excess as shown on your agreement certificate including labour, all parts and VAT.
4. (a) You will be covered by this agreement once the agreement application form has been received and accepted by us and the relevant payment has been paid. Failure to receive payment for the agreement will mean it become null and void (b) No claim will be paid until full payment has been received for the agreement. (c) Pinnacle Warranties will only pay for the reported problem, if covered by the level of cover selected. We will not pay for additional items during fault code readings, road testing, health checks, servicing, or diagnosis of the reported problem. Items replaced as good practice are not covered under this agreement.
5. Legal Jurisdiction: In the event of any dispute between the parties relating to this agreement, it is mutually agreed that before embarking on litigation proceedings, the parties will attempt to resolve through negotiations or effective dispute resolution by the appointment of a mediator/arbitrator. If either party unreasonably refuses to invoke the mediation process, the other party can upon giving notice, rescind this term. In the event of a claim being rejected for any specified reason we reserve the right to add or subtract from our initial conclusion if further evidence should be presented. The agreement holder has 3 months to appeal the decision made by Pinnacle Warranties Ltd. Failure to appeal the decision within this period will result in your request being refused. This agreement will be governed by the law of England and Wales, unless the agreement was enacted in Scotland, in which case the law of Scotland applies.
6. This agreement WILL cover vehicles used for: Hire and Reward, imported vehicles, driving school vehicles and Commercial Vehicles subject to notification to Pinnacle Warranties Ltd, and upon receipt of an additional premium being paid. The value of the premium required will be quoted on an individual basis at the time of our notification. Failure to disclose that the vehicle is being used for any of the above, will result in potential claims being rejected. In addition the agreement being nullified there will be no refund of premium paid.
7. Light Commercial Vehicles are not covered by this agreement unless agreed (Up to 3500kg)
8. This agreement does not cover any form of accident howsoever caused. This would be covered by your own road risk insurance policy.
9. This agreement does not cover components that have been modified from the manufacturers original design.
10. No part of this agreement may be altered without the written consent of Pinnacle Warranties Ltd.
11. In the event of a problem occurring with your vehicle, you should stop and obtain advice from your local VAT registered repairer or from Pinnacle Warranties Ltd Claims Department in order to avoid causing any additional damage, which would not be claim able under your agreement.
12. This agreement does not offer any reimbursement for any repairs that have not followed the correct claims procedure.
13. This agreement will come to an end if any attempt is made to commit fraud.
14. If the vehicle is sold or disposed of, this agreement will come to an end unless the transfer procedure is followed and the transfer accepted
15. The agreement can be transferred but not to or via a dealer. In the event of your death, we will transfer the remainder of the policy to an immediate relative without charge.
16. This agreement is cancellable at any time up to 14 days from the start date by either party. If you have made a payment to the selling dealer then you should request a refund from them. We reserve the right to decline your cancellation request and to charge an administration fee in certain cases. Cancellation requests must be received in writing from the customer and the selling dealer.
17. In the event of a claim being presented, we reserve the right (a) to appoint the Repairer of the vehicle, (b) to have the vehicle examined by an Independent Assessor, the result of which will be binding on all parties.
18. The repair labour rate payable will be to a maximum of £50.00 per hour (inclusive of VAT) unless stated otherwise on your agreement certificate. Once the repair authorisation has been given in the format of the Repair Confirmation Form (RCF) it remain s valid for a period of 3 months. Failure to carry out the repair work and to return all relevant documentation for reimbursement within this period will result in the authority being withdrawn.
19. This agreement will only pay for one repair on any of the parts listed (i.e. we do not pay twice for the same listed part). (a) In all cases where possible, we will only pay for motor factor pattern parts, reconditioned/exchanged parts and in exceptional circumstances, with your permission, second hand parts can be used. Original Equipment components will only be approved if there is no alternative, (b) Repair times will be assessed and agreed using AutoData/ICME repair time data, (c) The liability of this agreement is to return the vehicle to it’s condition prior to the failure.
20. This agreement does not cover fire, collision, frost, snow, ice, flooding, freezing, corrosion, cracked blocks, cracked cylinder heads due to lack of anti freeze, all fluid leaks, faulty workmanship of any description.
21. This agreement does not cover extreme/off road use, competitive track purposes, damage caused by impact or failures due to negligence.
22. This agreement does not cover vehicles that do not have a valid MOT certificate, road tax, vehicle insurance or exhaust emission MOT failures.
23. This agreement does not cover the incorrect grade/use of fuel or any failure that has been caused by the incorrect use of fuel (subject to additional fees with the Road Rescue cover).