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Our Services

Your car is covered whoever is driving and just one free 0800 call puts you in touch with our Rescue Control Centre at any time of the day or night.

And by using the latest computer mapping technology, help will be on its way before you even put the phone down!

Specifically, this is what your membership covers:

Our Services in the UK

If your vehicle cannot be driven as a result of a breakdown or the only available driver in your party is suffering from a serious illness which occurs during the course of a journey, we will arrange and pay for the services as shown below.

The benefits and services apply to ANY breakdown, which occurs during the period of insurance and within the territorial limits

Roadside Assistance

We will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges needed to start the vehicle.

If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 5 passengers from the place where the vehicle has broken down to the nearest available garage.

Vehicle Recovery

If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 5 passengers from the place where the vehicle has broken down to anyone place you choose.

Home Assistance

If the vehicle breaks down at your home or within one mile of your home, we will arrange help and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will pay the reasonable cost of taking the vehicle to the nearest available garage.

Emergency Travel or Accommodation

If a vehicle breaks down while it is more than 25 miles from your home, and it cannot be repaired at the roadside or at a garage during the same day, and is not recovered to your home or destination, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation.

The most we will pay will be up to £100 for:
alternative road, rail or air travel, for you and your party needs to reach your destination and return; or

one night's hotel accommodation for you and up to 5 passengers. (The amount we will refund will only be for the rooms. We will not pay for meals or drinks.)

Before you arrange emergency travel or accommodation, you must call the Rescue Control Centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts.

Caravans and trailers

If your vehicle breaks down, any attached caravan or small trailer will be entitled to the same service as the vehicle as long as it's attached to the standard 50 millimetre (2 inch) towing coupling.

Message Service

If your vehicle breaks down and help is arranged by the Rescue Control Centre, they can contact your family or colleagues to let them know about the situation.

European Benefits

We also offer a breakdown recovery service in mainland Europe should you need it.

Here are the full details of what your European cover will embrace:

Please read the details carefully to ensure that you are fully covered, and remember to follow any rules and procedures laid down in respect of servicing the vehicle and making a claim.

If you have paid the premium this insurance will provide the benefits described below if your vehicle breaks down and cannot be driven as a result of a mechanical or electrical breakdown (failures or breakages) or damage which is caused by an accident, fire or theft and results in you not being able to drive the vehicle. Such breakdown must occur within the countries of Austria, Andorra, Belgium, Czech Republic, Denmark, France, Germany, Greece, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Portugal, Slovak Republic, Spain, Sweden, Norway or Switzerland.

Please note that this is not a maintenance policy and therefore does not cover the cost of parts or the cost of non-emergency repair work, such as routine servicing or diagnostic tuning. The cover is designed to help keep you and your party mobile during the journey or holiday period abroad. It is not a replacement for a motor insurance policy and does not provide cover for bodywork repairs following an accident or theft. The most we will pay is £2,500.

Benefits:
European Vehicle Breakdown Recovery

You will have cover for the following:

•	Miscellaneous costs incurred in arranging immediate emergency roadside help following a breakdown. The most we will pay will be £150 in anyone travel period. (The cost of replacement parts will not be covered.)
•	If the vehicle is out of use for a period of more than 8 hours as a result of a breakdown or due to death, injury or serious illness of the only available driver, we will refund the following costs and expenses as long as they are a direct result of the breakdown or illness and are paid immediately after the breakdown or illness. (In the case of illness, a Doctor's report will be required.)
•	The cost of recovery of the vehicle to the nearest garage or railway
•	The cost of storage of the vehicle at a garage.
•	Freight costs up to a maximum of £200 to obtain any replacement part which is not available locally.

Also the cost of one of the following:

•	Hiring one replacement vehicle up to £70 per day and £1,400 in total.
•	Hiring one chauffeur in the event of a serious illness of the only available driver in your party, up to £100 per day and £500 in total.
•	Second-class rail fares so that you and your party can finish your journey or return home.
•	Extra hotel accommodation costs for you and each member of your party up to £30 per person per day incurred during the journey to and from the holiday location up to a maximum of .5 days. (We will not pay any amount for meals or drinks.)
•	The cost of recovering the vehicle to your home if it cannot be repaired before your planned return date or costs incurred in travelling from your home or holiday location to the scene of the breakdown to collect the vehicle after repair. (Such cost must not be more than economy class air fare plus miscellaneous additional expenses not exceeding £50.)
•	The cost of emergency repairs to secure the vehicle in the event that it is damaged by attempted theft or break-in up to a maximum of £100 (a Police report will be required)
•	Extra hotel accommodation or tent hire costs in the event that your own tent is stolen or damaged (excluding weather damage) up to a maximum of £100.
•	The cost of hiring a replacement vehicle up to £200 if your vehicle is still out of use when you return to the United Kingdom.
•	The cost of necessary telephone calls not exceeding £10.

Exceptions:
Items not covered include:

•	breakdowns due to lack of petrol, oil, water or frost damage or the use of the vehicle for racing, pacemaking, or being in any contest or speed trial or any rigorous reliability testing.
•	the cost of any repair apart from repairs covered under Section l.
•	the cost of spare parts or emergency windscreens.
•	expenses incurred in ordering incorrect replacement parts where this is due to insufficient or wrong information being given by you; or
•	the cost of returning hired vehicles to the hire company.
•	the vehicle suffers damage and it is considered to be a write-off (the cost of repairs are greater than the market value of the vehicle) sub-section 2 will not apply where the vehicle has comprehensive motor insurance.
•	Where the vehicle is subject to third party insurance, cover will be limited to the market value of the vehicle. If this situation arises, we reserve the right to conduct negotiations direct with the motor insurers.

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