Our Regulator

MCE Insurance, Crown Way, Rushden NN10 6BS are authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 307832 which can be checked by visiting the FSA's website www.fsa.gov.uk or contacting them on 0845 606 1234. MCE Insurance (MCE) are authorised in advising, arranging, dealing as an agent and assisting in the ongoing administration of insurance policies as an independent insurance intermediary.

Our Service

MCE act on your behalf in advising you on and arranging your insurance needs, as well as helping you with any ongoing changes you may have. We will also assist you with any claim you need to make. We provide policies and issue documentation on behalf of a panel of insurers. We offer a wide range of insurance products, and have access to leading insurers in the market place. For some types of insurance we deal exclusively with a single insurer, which we have selected as offering value for money. Your documentation will be emailed to you at the email address you have provided. As an agent of your insurer, we will hold your money in statutory trust until such time as it becomes payable to the insurer. We reserve the right to withdraw premium indications, including renewal quotations, before they are taken up and to apply any changes notified to us by the underwriters after the indication was given.

Your Responsibility

You must take reasonable care to ensure you answer all questions honestly to the best of your knowledge and do not misrepresent any answers, when you take out your policy, throughout the life of your policy, and when you renew your policy. If you don't answer all questions honestly or do misrepresent answers your policy may be cancelled or treated as if it never existed, or in the event of a claim it may be rejected or not fully paid.When the policy documentation is issued, you must read it carefully as it is the basis of the insurance contract you have purchased, and contact us immediately if there are any discrepancies. Following inception of your policy, you are required to forward to MCE proof of any no claims bonus that is being used on your policy and copies of driving licenses, both card and counterpart (or pre-photocard paper licence) for you and any additional persons named on the policy. Should you be unable to produce this documentation or if there is any discrepancy between the documentation and what you have disclosed to MCE, you may have to pay an additional premium from your insurer together with Late Disclosure charge from MCE.

You must contact us if you are having difficulty meeting any payments due through MCE Premium Finance**. Failure to keep up with repayments may result in the cancellation of your policy. You will remain liable for any outstanding balance following cancellation. If we insure your motor vehicle under a chassis number you agree to supply us with the registration number within 7 days of the inception date. Failure to supply the registration within this time frame may result in the cancellation of your policy and you will pay a time on risk charge based on the insurer premium detailed within the policy booklet along with a cancellation fee in line with the scale below.

Charges and Fees

MCE's setup and renewal charge is variable and will have been calculated based upon your needs at inception and the market value of the policy as a whole. A proportion of this charge may be refunded if your policy is cancelled mid term. The total cost of your policy is made up of the insurer's premium, MCE's broker charge and insurance premium tax. In addition to MCE's variable set up and renewal charges, we reserve the right to make the following charges for the ongoing administration of your policy. Please note these charges are non refundable outside of the 14 day cooling off period:

Options Packages

Your Demands and Needs

We have provided you with this product based on your demands and needs following our discussions in which you provided full details of the risk to be insured as per the attached statement of fact/proposal form and key fact document. This product meets the demands and needs of a proposer who wishes to ensure the minimum requirements of the Road Traffic Act are met in the form of TPFT cover, subject to a total excess of £0.00 for the period indicated within the Certificate of Insurance. Main rider, People insured to ride , The full details of cover provided are detailed within the attached documents.

RAC - This cover is an optional benefit. We have provided you with this product based on your demands and needs following our discussions. This product meets the demands and needs of those who wish to ensure that a level of expense incurred in respect of breakdown recovery are met for the period indicated within the Schedule. The full details of cover provided are detailed within the attached documents.

Legal Expenses - This cover is an optional benefit. We have provided you with this product based on your demands and needs following our discussions. This product meets the demands and needs of those who wish to ensure that the expenses incurred in taking legal action against a third party to recover costs not covered by their insurance are met for the period indicated within the Certificate of Insurance. Personal Injury - This cover is an optional benefit. We have provided you with this product based on your demands and needs following our discussions. This product meets the demands and needs of those who wish to ensure a level of Personal Injury cover following an insured incident are met for the period indicated within the Schedule. The full details of cover provided are detailed within the attached documents.

Helmet & Leather - This cover is an optional benefit. We have provided you with this product based on your demands and needs following our discussions. This product meets the demands and needs of those who wish to ensure a level of expense incurred in respect of damage to helmets & leathers following an insured incident are met for the period indicated within the Schedule. The full details of cover provided are detailed within the attached documents.

Courtesy Bike - This cover is an optional benefit. We have provided you with this product based on your demands and needs following our discussions. This product meets the demands and needs of those who wish to ensure a level of Courtesy Bike is available following an insured incident are met for the period indicated within the Schedule. The full details of cover are detailed within the attached documents.

Cancellation

Your right to cancel:

Once you have entered into this insurance contract with us, you are entitled to 14 days to decide whether you wish to proceed known as a "Cooling off Period". Following cancellation within this period, your insurer will make a charge to cover time on risk as detailed within their policy booklet and MCE will also make a £32.00 charge to cover the administration costs of setting up and cancelling the policy. The certificate of insurance must be returned. The right to cancel does not apply if the policy is terminated as a result of a total loss claim.

Cancellation outside of the cooling off period:

Following cancellation of your policy, depending on how many months into the policy this is, you may be entitled to a partial refund of the insurer's premium. Your policy booklet will advise you how this is calculated. You may also be entitled to a partial refund of MCE's set up charge. A cancellation charge will be payable in line with the scale detailed below. The charge is based upon the insurer's return premium and is the minimum cancellation charge plus the commission earned for arranging the policy. You will be advised of any return premium due back to you and a credit note will be issued to you once the refund is available, Refunds are not normally given if there has been an accident and / or a claim within the period of insurance. In addition to the cancellation charge, If you are paying for your policy by way of MCE Premium Finance** and have not paid all your instalments, there will be a balance outstanding to MCE Premium Finance**. You will be advised if there is any additional outstanding balance payable.

In the event of any type of cancellation the certificate of insurance or a cancellation declaration must be signed and returned. This can be downloaded from our website, please use the following link for further details on how to cancel your policy: http://www.mceinsurance.com/PolicyDocs/MCE_Ecert_Cancellation2.pdf

Please note that cancelling the direct debit arrangement with your bank or MCE Premium Finance** does not mean the cancellation of your insurance policy. MCE or your insurer may cancel your policy by sending seven days' notice in writing to your last known address by post. We will issue confirmation to you when your policy has been cancelled.

In the event of any outstanding debt to MCE, additional charges will be incurred if the outstanding balance becomes collectable under MCE's Debt Management Program. If the debt remains unpaid, we reserve the right to instruct debt recovery agents to pursue on our behalf. Any proof of no claims bonus will be withheld until any debt is cleared. We reserve the right to offset any debt against any new or existing policy in your name.

Claims

In the unfortunate event of a claim, please contact MCE Claims Assist on 0871 222 7910 who will be able to guide you through the claims process. Certain insurers do not allow substitution of vehicle or cancellation refunds following a claim. Please refer to your policy booklet for further guidance. If you are paying your premium through MCE Premium Finance**, any outstanding balance on your account will become immediately payable following a claim. We reserve the right to deduct any outstanding balance on your account from any settlement cheque that is issued to you following a claim.

At Renewal

A renewal invitation will be sent to you approximately 3 weeks before the current policy is due to expire. Please contact us any time up to the renewal date. If you would like to pay by instalments through MCE Premium Finance**, a deposit of 10% will be required. If we do not hear from you to the contrary, your policy will be lapsed and no insurance cover will be in force following the renewal date. Please contact MCE for the release of any applicable no claims bonus proof.

Data Protection Notice

Please read this notice as it explains the purposes for which we use personal data and sensitive personal data which we hold.
Please show this to everyone insured to use the vehicle covered under this policy.

Insurance Administration, Renewal and Claims Handling

Information you supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and MCE. In assessing any claims made, insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgements, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as loss adjusters or investigators.

Credit Searches

In assessing your application or renewal, MCE may search files made available to us by Credit Reference Agencies. A record of that search will appear on your credit report, whether or not your application proceeds. By agreeing to the terms and conditions you agree for MCE to conduct this search. MCE may also pass to Credit Reference Agencies information that we hold about you and your payment record with us. Credit Reference Agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.

Marketing and Market Research

MCE Insurance, its sister companies and other selected companies may use your information to keep you informed by telephone, e-mail, post, SMS or other means of products and services which may be of interest to you. They may also contact you to conduct market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes, and have not already opted out, please write to the Compliance Manager at the address below.

Claims and Underwriting Exchange Register

Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database, run by Experian Ltd and the Motor Insurance's Anti Fraud and Theft Register, run by the Association of British Insurers (ABI) to help them check information provided and also to prevent fraudulent claims. When they deal with your request for insurance, they may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident, they will pass this information to the registers. You can ask us for more information about this.

Motor Insurance Database

Information relating to your insurance policy details will be added to the Motor Insurer Database (MID) managed by the Motor Insurers' Bureau (MIB). The MID and the data stored on it may be used by the certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, The Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
i Electronic Licensing
ii Continuous Insurance enforcement
iii Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
iv The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.
If you are involved in a road traffic collision (either in the UK or the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic collision (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital the MID holds your correct registration number. If it is incorrectly shown on MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com

Sensitive Personal Data

In order to assess the terms of the insurance contract or administer claims, the insurer will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history or criminal convictions. By proceeding with this contract, you will signify your consent to such information being processed by the insurer or its agents.

Following payment of a fee you are entitled to request a copy of information we hold about you. If you have any questions or you would like to find out more about this notice please write to the Compliance Manager, MCE Insurance, Crown Way, Rushden, Northamptonshire NN10 6BS.

Complaints Procedure

If you should wish to make a complaint about our service, we have a formal complaints procedure. A copy is available on request. In the first instance you should contact us on 0870 420 75 09 addressing your complaint to the department Team Leader or write to Compliance Manager, MCE Insurance, Crown Way, Rushden, NN10 6BS. If you cannot settle your complaint with us, you may be able to refer it to the Financial Ombudsman Service.

Governing Law

This agreement shall be governed by and construed in accordance with the Laws of England and Wales.

**MCE Premium Finance is administered by Close Premium Finance.