Key Points
Summary of your cover
This Service Contract is provided by Apex Repair & Care Limited, whose Registered Office is Kemp House, 152 City Road, London, EC1V 2NX, Company No 9441282 (the “Providers”).
Apex Repair & Care Limited is a specialist provider of appliance breakdown cover, appliance cover policies.
Members of Apex Repair & Care Limited can claim for appliance repairs.
At their absolute sole discretion, the Providers will give the benefit described in this Service Contract for the Contract Term and for any subsequent period that the Providers and you may agree. This Service Contract will not be in force unless you have paid all amounts due to us for the Service Contract, it has been agreed by an authorised representative of the Providers, and confirmation has been sent to you with the Service Contract. The Service Contract contains details of the rights you have bought, what is excluded from those rights and the terms and conditions of this Service Contract.
UNDERSTANDING YOUR SERVICE CONTRACT
This Service Contract is designed to offer you peace of mind against unexpected expenses arising from the use of your appliance. Please read this Service Contract carefully and make sure you understand it fully and are willing to comply with its terms and conditions in order that you can achieve maximum benefit from it. Whilst we will always try to be fair and reasonable in our operation of the scheme, please take care to follow the rules properly, as a failure to do so may jeopardise the payment of any claims and could lead to your Service Contract becoming void.
MAINTAINING PROTECTION UNDER YOUR SERVICE CONTRACT
Payment for your Service Contract is payable in advance on an annual basis.
This Service Contract commences on the date shown on your Contract Schedule. This Service Contract does have a specified end date and cover will continue until then unless either you or we cancel the Service Contract, subject to the Terms set below.
Your Service Contract will automatically renew following receipt of your payment for the period of protection as defined in your Contract Schedule, unless you decide to cancel by writing to us.
DEFINITIONS
Appliance means the refrigerator, washing machine, freezer to be used in domestic locations that are fully identified in the Contract Schedule;
Contract Schedule means the written confirmation you received from the Providers confirming your details and the details of the appliance that is the subject of this Service Contract; Cooling Off Period – In respect of all sections of the Service Contract, no claim can be made for any event that occurs within 14 days of the commencement date of this Service Contract as shown in the Contract Schedule; Event means mechanical electrical breakdown that generates a claim under this Service Contract; Mechanical Electrical Breakdown means an actual and sudden mechanical failure, electrical failure or breakdown that results in the sudden stoppage of the appliance’s normal function and that necessitates repair to resume those functions; Fee Payment means the sum you pay in full annually, to the Providers for the provision of this Service Contract;
PERIOD OF PROTECTION
The duration period noted on your Contract Schedule, annually as determined by you depending on you ; Territorial Limits shall mean Great Britain, subject to any repairs being carried out in the UK by repairers approved by us; We/Us/Our means the Providers; You/Your means the owner of the appliance named on the Contract Schedule.
THE SERVICE
Subject to the Conditions, Exclusions, Limitations and Claims Procedure, the Providers agree that in the case of an event outside your manufacturer’s guarantee period and within the territorial limits during the Contract Term, we shall, at our absolute sole discretion, pay for the cost of repair by the approved repairer when authorised by us. This depends on Type of Contract whether it includes parts or not. Subject to our absolute sole discretion, our maximum liability in respect of any one claim relating to an event will be subject to as per the terms of this Service Contract.
Any benefit provided by the Providers under this Service Contract shall be granted solely by the Providers, and in every case, shall be made only upon such terms and conditions as the Providers determine. For the avoidance of doubt, the limit of or the provision of the benefit shall only be made in the absolute discretion of the Providers.
For the avoidance of doubt, this is a contract for the provision of specific services supplied at our absolute sole discretion, and this is not a contract of insurance, a guarantee or an insurance policy.
GENERAL CONDITIONS
1. Claims Notifications & Requirements In order to make a claim, you or your personal representative, must: a) within 14 days of the occurrence of the event, notify the Providers through our customer service helpline on 0800 169 4119, Monday to Friday 9am 5pm (excluding bank holidays); and b) where requested to do so, notify us in writing and submit a claim form. You must also ensure: a) you hold the appliance or parts thereof available for inspection for 30 days following the submission of a claim; and b) when requested to do so, and within 14 days of receiving such request, deliver to the Providers a written statement of all reasonable particulars and details of the appliance affected, the appliance’s value and the event, and furnish all such documents, explanations and other evidence as may be reasonably required by the Providers.
Unless all of the terms of this condition (as detailed above) are complied with, at our absolute sole discretion a claim under this Service Contract may not be payable.
2. Appliance replaced under this Service Contract Should the appliance be replaced during the Contract Term and you are happy to continue on your new appliance, you must notify us of the alternative appliance to be covered by this Service Contract. We will at our own absolute discretion decide whether we will cover this new appliance.
3. Access. The Providers or their representatives shall have the right at all reasonable times to have access to the appliance during the period any repairs are undertaken by you or a designated repairer.
4. Subrogation and Observance If a claim arises as a result of the act or default of a third party, at the request and expense of the Providers, you shall take and permit to be taken in its name all necessary steps to enforce its rights against any such third party. The Providers will not be liable to replace or repair the appliance under this Service Contract unless you have duly complied with all of the terms and conditions contained in this Service Contract.
5. Fraud You must not act in a fraudulent manner. If you, or anyone acting for you, makes a claim under the Service Contract knowing the claim to be false or fraudulently exaggerated in any respect, or makes a statement in support of a claim knowing the statement to be false in any respect, or submits a document in support of a claim knowing the document to be forged or false in any respect, or makes a claim in respect of any loss or damage known by you to be as a result of a wilful act or with your connivance, then the Providers: i) will not pay the claim and will not pay any other claim which has been or will be made in connection with the declared appliance or piece of appliance; and ii) will be entitled to recover the amount paid under the Service Contract relating to the specific declared piece of appliance since inception; and iii) may inform the police of the circumstances.
6. Legal and Governing Law This Service Contract may only be relied on and enforced by the Providers and you and shall not be directly or indirectly enforceable by any third party under the Contracts (Rights of Third Parties) Act 1999 or otherwise. This Service Contract shall in all respects be governed and construed in accordance with the laws of England and Wales and, subject to the terms of this clause, any disputes arising between the parties under this agreement shall be referred to the exclusive jurisdiction of the courts of England and Wales.
CLAIMS COVERED
The providers, at their absolute sole discretion, will cover the following: • The domestic appliance you chose to cover in your cover. The Providers or their representatives, at the Providers’ absolute sole discretion, will repair (or attempt to) the domestic appliances in the event of a mechanical or electrical breakdown. Domestic appliances include, but are not limited to, washing machines, tumble dryers, condenser dryers, dishwashers, refrigerators, American fridge-freezers, and chest freezers. • You are entitled to call our claims line to receive help and assistance if a domestic appliance stops working. • If your appliance suffers an electrical or mechanical breakdown and the Providers are not able to resolve the problem, we will, at our absolute sole discretion, decide to either approve a repair or deem the appliance un-repairable, subject to our terms and conditions.
EXCLUSIONS
As described above, we very much hope that your Service Contract will give you peace of mind through protection against the cost of repairs for its full duration, but obviously some things are not covered:
1. Inherent defects, wear and tear, etc. Damage to or destruction of the appliance caused by: • its own defective design materials or workmanship, a latent defect or defects, gradual deterioration, wear and tear, corrosion, rust, condensation or evaporation, dampness, dryness, dust, change in temperature and foreign objects; • faulty or defective workmanship, operational error or omission on your part or the part of any person using the appliance with your express or implied consent; • mechanical or electrical breakdown or derangement caused by the appliance itself; and • handling and/or use of the appliance that is not in accordance with the manufacturer’s instructions as set in their handbook supplied with the appliance. Internal Refrigerant leaks and/or compressor failure are not covered on refrigeration products.
2. Other issues the following are not covered by the Service Contract: • repairer costs and charges where a fault cannot be found with the appliance or when the appliance is used in unapproved commercial locations. Such approval may be obtained in advance of use from the Providers; • an appliance that does not meet the current electrical regulations in force at the time of purchase or faults relating to the installation of the appliance; • work, which relates to a manufacturer recall or routine maintenance of the appliance, supplies or service in your home; • accidental damage or cosmetic repairs; • claims arising from the interruption, failure or disconnection of public services to your home (including water, electricity or gas supply) however caused or from gas leaks; • total loss of use of the appliance due solely to the non-availability of replacement or substitute parts, in which case the Providers shall, at their absolute discretion, offer a settlement based on the estimated cost of repairs had the parts been available; • if you request any addition work, or replacement parts or components of a superior specification are fitted, you will be responsible for any additional costs; • the VAT element of any claim where you are VAT registered.
3. Intentional acts. You will understand that you are expected to take all reasonable precautions when using, carrying or storing your appliance. This Service Contract does not cover any event occurring as a result of Intentional acts, wilful neglect, intentional or reckless overloading of, or the imposition of any abnormal conditions on, the appliance.
4. War Risk and Terrorism • Subject to the exclusions of this Clause 4 herein, an event occurring as a result of war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority; • damage or destruction caused by, contributing to, or arising from an act of terrorism.
5. Nuclear risk and Sonic Boom Damage or destruction caused by, contributed to or arising from: a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof; or c. pressure waves caused by aircraft or other aerial devices
CUSTOMER SERVICE AND COMPLAINTS
The aim of Apex Repair & Care Limited is to provide you with a first class service at all times.
However, we realise that things can sometimes go wrong and there may be occasions when you feel that you have not received the service you expected. When this happens we want to hear about it so we can try to put things right. Only the named service contract holder(s) or an authorised representative should call or write to make a formal complaint. It is the intention to give you the best possible service, but if you do have any questions or concerns about this service contract or the handling of a claim, you should follow the Complaints Procedure below:
Complaints regarding:
SALE OF THE SERVICE AGREEMENT
If your complaint about the sale of your service contract cannot be resolved within 72 hours, your agent will pass it to:
Customer Relations Department Apex Repair & Care Limited, Kemp House, 152 City Road, London,
EC1V 2NX.
To speak with an advisor, call the customer service number assigned to your cover specification.
CLAIMS Please contact: Apex Repair & Care Limited, Kemp House, 152 City Road, London, EC1V
2NX.Tel: 0800 169 4119
The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.
DATA PROTECTION ACT
Details of you and your Service Contract will be held by the Providers and the Providers in their computer records for underwriting, processing, claims handling and fraud prevention, subject to the provisions of the Data Protection Act 1998. To help us improve our service, we may record or monitor telephone calls, subject to the provisions of the Data Protection Act 1998 and any other relevant legislation.
6. Consequential loss. Any consequential loss or damage arising from the event or from any cause whatsoever. Consequential loss shall include, but not be limited to, any financial loss or the cost of business interruption arising from the loss of use of the appliance, or the loss of information contained in or stored on the appliance, any time and cost involved in reinstating such information, and any liability to any third party for delay or non- performance of any contract with the third party. Consequential loss shall also include loss of use of any item of appliance (not itself subject to an event) due to its incompatibility with any item of appliance repaired or replaced pursuant to this Service Agreement.
7. Use by others. An event occurring whilst the appliance is in the custody of a third party. In this exclusion, third party means anyone other than you or a member of your immediate family normally resident at the address shown in the Contract Schedule.
8. Guarantees. Any amount that is recoverable upon the occurrence of an event at no expense to you under any guarantee, warranty, maintenance, and rental hire or lease agreement.
9. Older Appliances If the appliance listed in your Contract Schedule is over 20 years old, then, at our absolute sole discretion, you may be asked to pay the first £100.00 of the repair costs.
10. Un-Repairable Appliances At our absolute sole discretion, if we are unable to repair your appliance, we may decide to refund any monies outstanding, subject to a one-off charge of £95.00 for administrative costs.
COMPLAINTS
The Providers are committed to maintaining a high standard of professional conduct in all dealing with customers. If you have a query or complaint, you should contact by email your complaint to:
help@apexrepairandcare-co-uk.stackstaging.com
COOLING OFF PERIOD AND CANCELLATIONS We sincerely hope that you are more than happy with the support that this Service Contract provides. However, if after reading this Service Contract, it does not meet your requirements, please return it to Apex Repair & Care Limited, c/o the Providers within 14 (fourteen) days of issue and we will refund your fees in full. No refund of fees will be considered if a claim has been made under your contract.
You may not make any claims under this Service Contract until after the first fourteen (14) days have passed from the date of your first Fee Payment.
Where your Service Contract is cancelled within the cancellation period and you have not made a claim, you will receive a refund of any fee you have paid to us and your Service Contract will be cancelled immediately. The maximum cancellation fee repayable will £150 and is applied for each 12-month period from your commencement date. This fee is for anyone that has made a claim or has had a service from us in any period.
