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<h1><b><font face="Arial, Helvetica, sans-serif" size=5>car breakdown cover
details <br>
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<p><font face="Arial, Helvetica, sans-serif" size="3"><b>Summary of policy</b><br>
<br>
Roadside repairs (up to 60 minutes labour charges) Recovery to local garage
(guarenteed within 60 minutes if repairs cannot be effected at the roadside)
Car hire/public transport costs (covered if the occupants are leaving
the car for local repair. Also covers return trip for 1 person to collect
the car) Hotel accomodation costs if the occupants are staying nearby
while the car is being repaired by a local repairer. Only covers one night's
accommodation costs - food and other incidental expenses are not included.
<br>
<br>
Cover applies per accident breakdown and maximum recoverable value is
£200) Recovery to home or original destination (if the car cannot be repaired
locally within 24 hours) Home service (this cover extends to breakdowns
with a radius of 1 mile from home for call out and 60 mins labour.The
vehicle is covered while it is being used by any authorised person within
the territorial limits.The most that will be paid under this insurance
for any one year of insurance is £25,000) </font></p>
<p><font face="Arial, Helvetica, sans-serif" size="3"><b>Terms of insurance
</b> </font></p>
<p><font face="Arial, Helvetica, sans-serif" size="3">(1) If the vehicle
registered with the provider is immobilised because of a Breakdown within
the Territorial Limits the insurance covers: (a) Call out fees and up
to 60 mins labour charges for repairs to the Vehicle carried out at the
scene of the Breakdown and/or (b) If the Vehicle cannot be satisfactorily
repaired at the roadside within 60 mins, the cost of transporting the
Vehicle and up to six passengers including the driver to the nearest garage
able to repair the Vehicle within 24 hours or such other period as the
provider may agree. (c) If the Vehicle cannot be repaired at the garage
within 24 hours or such other period as the provider may agree then, after
agreement between the Insured and the provider. EITHER The costs of alternative
road or rail travel for up to six passengers including the driver to travel
from the scene of the Breakdown to one destination within the Territorial
Limits plus a return journey for one person to collect the Vehicle after
repair. OR The cost of one night's emergency hotel accommodation in the
vicinity of the Breakdown for the vehicle passengers including the driver.
<br>
<br>
Any costs for items other than accommodation are not included. The maximum
payment will be £200 per accident or Breakdown. OR The cost of a suitable
hire car for a maximum of two periods of 24 hours. The first period is
to take passengers to their destination within the Territorial Limits,
the second to recover the repaired Vehicle if travel to recover the Vehicle
cannot conveniently be achieved by other means. OR The cost of transporting
the Vehicle and up to six passengers to any destination within the Territorial
limits.2. If the insured, having started a journey as sole driver of the
Vehicle, cannot continue because of illness or injury or because of shock
or distress following an assault or mugging the insurance covers:The costs
of alternative road or rail transport for the Insured to one destination
within the Territorial Limits plus a return journey for one person to
collect the Vehicle. <br>
<br>
<b>Home service</b><br>
<br>
Home Service cover extends to cover call out fees and labour charges to
a maximum of 60 mins for repairs to the vehicle carried out at the scene
of the Breakdown within 1 mile of the address registered with the provider
and if the vehicle cannot be repaired there, recovery to the nearest garage
able to complete the repairs. <br>
<b><br>
Definitions</b> <br>
<br>
Vehicle means the Vehicle registered with the provider. » The Vehicle
must not be greater than 3.5 tonnes or more than 17 feet long, 6 feet
3 inches wide and 8 feet high or more than 20 years old or a taxi, private
hire vehicle, or a vehicle used for self-drive hire.Named Insured means
the person registered with the provider. » Insured means the Named Insured
and any authorised driver of or passenger in the Vehicle at the time of
the Breakdown. » Breakdown means an electrical or mechanical failure or
a road traffic accident or damage caused by vandalism or theft which immediately
renders the Vehicle immobilised. » Territorial Limits means Great Britain,
Northern Ireland, Channel Islands, Isle of Man, Republic of Ireland, Austria,
Belgium, Denmark, Finland, France, Germany, Gibraltar, Andorra, Greece,
Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino,
Spain, Sweden and Switzerland, Vatican City. <br>
<br>
<b>Exclusions <br>
</b><br>
This Insurance does not cover: (1) The recovery of a trailer/caravan unless
it is less than 23 feet in length and safely attached to the Vehicle in
the normal manner at the time of the Breakdown and has a standard towing
hitch. (2) The cost of any parts, components or materials. (3) The cost
of food, drinks, telephone calls or other incidental expenses. (4) The
cost of petrol, oil or insurance for a hire vehicle. (5) Any costs which
may be recoverable under any other insurance. (6) The recovery of the
Vehicle and passengers if repairs can be carried out at or near the point
of the Breakdown within a reasonable time. (7) Overnight accommodation
costs and car hire charges if repairs can be carried out at or near the
point of the Breakdown within a reasonable time. (8) The cost of the recovery
of the Vehicle to more than one address in respect of any one Breakdown.
(9) <br>
<br>
Breakdowns caused by failure to maintain the Vehicle in a roadworthy condition
including the maintenance of proper levels of oil and water. (10) Breakdowns
caused by the vehicle running out of petrol or where prompt service cannot
be effected because the vehicle does not have a serviceable spare wheel.
(11) Breakdowns where the vehicle is not accessible or cannot be transported
safely and legally using a standard transporter or trailer. (12) Breakdowns
occurring when the vehicle is being used for motor racing, rallies, speed
or endurance tests or practises for those activities, or for self drive
hire. (13) Breakdowns occurring when the vehicle is carrying more people
than it is designed to carry. (14) The charges of any company or person
other than the recovery agent called out by the provider or of car hire
or accommodation charges other than those sanctioned by the provider and
for which a reference number has been given. </font></p>
<p><font face="Arial, Helvetica, sans-serif" size="3">Claims where the providers
Helpline has not been notified promptly of the Breakdown prior to expenses
being incurred. (16) Claims where charges incurred have not been settled
promptly by the Insured. (17) Claims directly or indirectly caused by
or contributed to or arising from: (a) Ionising radiations or contamination
by radioactivity from an irradiated nuclear fuel or from any nuclear waste
from the combustion of nuclear fuel. (b) The radioactive, toxic, explosive
or any other hazardous properties of any nuclear assembly or from any
nuclear component thereof. (c) War, invasion, acts of foreign enemies,
hostilities (whether war be declared or not), civil war, rebellion, revolution,
insurrection, military or usurped power or confiscation or nationalisation
or compulsory purchase, requisition or destruction of or restrictions
to or controls placed on or damage to property by or under the order of
any Government or Public or Local Authority. (18) Any claim which is false
or fraudulent. (19) Any charges arising from the Insured's failure to
comply with the requests of the provider or its agents concerning the
assistance being provided to the Insured. (20) Claims where the registration
number of the Vehicle has not been registered with the provider. (21)
Fines or penalties imposed by courts. <br>
<br>
Any charges where, having contacted the provider, the Insured effects
recovery or repair by other means. (23) Any claim relating to the following
types of vehicle: (a) In excess of 3.5 tonnes. (b) More than 17 feet long,
6 feet 3 inches wide and 8 feet high. (c) More than 20 years old (d) A
taxi, private hire vehicle (e) Vehicles used for self-drive hire. (24)
Ferry charges and tolls (25) Claims totalling more than £25,000 in any
year in respect of any one vehicle (26) Any Breakdown not occurring during
the membership period. (27) The Vehicle being temporarily disabled by
floods, ice, snow affected roads or being embedded in sand or mud. Conditions
(1) The Underwriters or the Named Insured may cancel the insurance by
giving seven days notice in writing to the other. A pro rata proportion
of the premium shall be returned unless there has been a claim in which
case no premium shall be returned. (2) Compliance with the terms and conditions
of this insurance is a condition precedent to any liability of the Underwriters
to make any payment. <br>
<br>
The claims procedure described in the Membership Certificate must be strictly
complied with. (4) The Vehicle must be maintained in a safe and roadworthy
condition and serviced regularly during the period of insurance. (5) The
Named Insured shall take all reasonable steps to have permanent repairs
effected to his/her Vehicle following a Breakdown. If he/she fails to
take such steps then the provider may refuse to provide assistance if
the same fault recurs. (6) The Insurance is limited to the Vehicle described
in the schedule. <br>
<br>
The provider must be advised of a change in Vehicle and the change will
be recorded without cost to the Insured. (7) If the Insured has a right
of action against a third party the Insured shall co-operate with the
provider to recover any costs incurred by the provider. If the Insured
is covered by any other insurance policy for any costs incurred by the
provider the insured shall claim these costs and reimburse the provider.
Any dispute between the Insured and the Underwriters shall be referred
to the arbitration of a single arbitrator. Such arbitration shall be in
accordance with the provisions of the arbitration acts then in force,
and shall be binding on the parties. </font></p>
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