Exclusions & Limitations
FSIS Policies for Scooters & Powerchairs
A copy of the master policy is available on request. The principle Exclusions and !: Limitations of cover are as follows:
- A. Faulty design, plan specification or materials
- B. Damage to tyres by application of brakes or by road punctures, cuts or bursts
- C. The cost of the routine maintenance, overhaul or modifications or loss, damage or breakdown arising there from
- D. Loss or damage following modifications or servicing not in accordance with the manufacturers instructions
- E. Any loss or damage caused by corrosion
- F. Repairs to or replacement of tyres, batteries, fuses, bulbs and any consumable items
- G. Personal injury cover is limited to a maximum of £1000 where the insured user is injured during an insured event the insurance company will pay the above amount in respect of death, loss of one or more limbs, or permanent blindness in one or both eyes
- H. Temporary hire cover is limited to:- Contribution towards temporary hire charges of an alternative similar product (subject to availability) to keep you mobile whilst your mobility product is being repaired following an insured accident. Maximum £5 per day, limit £125 per policy year. Excludes first 7 days
- I. Get you home is limited to:- Following an Insured Peril you are covered for reasonable costs to get you and your mobility product home: e.g. by taxi. Maximum £50 per claim, maximum £150 per policy year, excludes the first £5 of each claim
- J. Personal effects is limited to:- the first £100 towards loss, damage or theft of personal effects as a result of an insured event. The first £20 of each claim is excluded
Complaint Procedure
It is our intention to provide you at all times with a high level of customer service. However, if you have any reason whatsoever to be unhappy with the arrangement or servicing of your insurance, please contact the Customer Service Manager, First Senior Insurance, Unit 8 Cotswold Business Park, Millfield Lane, Caddington, Beds LU1 4AR
Any complaint will be acknowledged within five business days of receipt. You will be advised of the person who will be dealing with your concerns and when you can expect to receive a response. We aim to provide you with a full written response within twenty business days to the matters you have raised, unless the complaint is particularly complicated or warrants further investigation. If this is the case, you will be advised in writing if more time is required to provide you with a satisfactory response.
Your custom is valuable to us and we want you to be entirely satisfied with the response and service we give. Our aim is to resolve all concerns internally. If you remain dissatisfied with the way in which we have dealt with your complaint and you are a Retail or Commercial Customer (with a turnover of less than £1 million) you I may refer your complaint to the Financial Ombudsman Service (FOS). Should this be the case we will send you information on the FOS.
PLEASE ENSURE THAT YOU INCLUDE IN YOUR ORDER, THE MAKE, MODEL, SERIAL NUMBER, DATE OF PURCHASE AND PRICE YOU PAID FOR YOUR MOBILITY PRODUCT.
