2.2 Roadside assistance
If the insured vehicle is lost, immobilised or rendered unroadworthy during a trip by an insured incident, we will
arrange, and pay up to a maximum per trip of 250, for roadside assistance and, if necessary, the transportation of the
Insured person and the Insured Vehicle to the nearest suitable repairer.
Any garage or specialist undertaking repair work (other than at the roadside) will be acting as your agent for such repair
work.
What is not covered:
1. labour charges in excess of 50;
2. charges for any labour not incurred at the roadside;
3. the cost of replacement parts or other materials;
4. Trips solely within the UK area;
5. any winching costs or the use of specialist off-highway recovery equipment.
2.3 Replacement parts
If the insured vehicle needs replacement parts outside the UK area during a trip but these are not available locally, then
on receipt of your instructions we will undertake to obtain them elsewhere, and will pay all freight charges involved in
despatching them to the location of the insured vehicle.
We will endeavour to provide the replacement parts required but we can give no guarantee that they will be available,
especially in the case of older vehicles where parts may be impossible to locate.
We will pay the cost of location and transport of the replacement parts. The actual cost of the parts and any Customs
Duty must be paid to us by you, by a debit to your credit or charge card or by a prior deposit of funds in the UK area.
When you are invoiced for a surcharge subject to the return of the old unit or part, you must return the defective part at
your own expense to the supplier.
If you place a firm order for replacement parts and these are not subsequently required, or you do not await their arrival,
you will be responsible for the cost of such parts, including all forwarding charges arising from their return.
What is not covered:
1. the actual costs of any parts;
2. Trips solely within the UK area.
2.4 Break-in emergency repairs
In the event of a theft (or attempted theft) of the insured vehicle or the contents contained in the insured vehicle during
the trip, we will pay up to 175 in total per trip for immediate emergency repairs and/or replacement parts, necessary to
place the insured vehicle in a secure condition to continue the trip.
You must obtain a Police Report within 24 hours of the incident which gives rise to a claim.
What is not covered:
1. damage to paintwork or other cosmetic items;
2. costs incurred following your return home;
3. Trips solely within the UK area;
2.5 Vehicle out of use
If the insured vehicle is lost, immobilised or made unroadworthy during a trip as a result of an insured incident, and
repairs cannot be completed within 24 hours, we will pay up to a maximum of 750 in total per trip for:
The additional cost of transporting you, with your luggage, to your destination by public transport OR for the immediate
hire of an equivalent replacement vehicle, where and when obtainable whilst the insured vehicle remains unserviceable.
We will only pay for the rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-
off charge. If we are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not
available under the suppliers hire terms, you will be offered one of the other 2 benefits under this section. Please note
that car hire companies impose driver minimum age restrictions and will require
OR ALTERNATIVELY
The cost of local overnight hotel accommodation while you wait for repairs to be completed. We will pay Bed & Breakfast
only costs up to a maximum of 125 per insured person within the overall limit for this Section, on condition that this cost
is additional to, or in excess of, any accommodation costs you had planned to pay if the loss of use of the insured
vehicle had not occurred.
What is not covered:
1. the cost of fuel and oil used in any replacement vehicle;
2. the cost of any optional Personal Accident insurance or other benefit not specifically covered under this
insurance;
3. costs incurred outside the period of the Trip;
4. fines, parking charges and any congestion charges arising from use of a replacement vehicle;
5. Trips solely within the UK area;
2.6 Alternative driver
If the driver is declared medically unfit to drive the insured vehicle in the course of a trip, or has to return home early
because of what we agree is a serious or urgent reason, and there is no other insured person qualified and competent to
drive, we will pay all necessary additional costs incurred to repatriate the insured vehicle to your home. At our option
we may elect to provide a qualified driver to drive back the insured vehicle and passengers.
What is not covered:
Trips solely within the UK area.
2.7 Repatriation
If the insured vehicle is lost, immobilised or rendered unroadworthy during a trip as a result of an insured incident:
We will pay the cost of transporting you, together with your hand luggage and valuables, back to your home address in
the UK area if the insured vehicle cannot be and could not have been repaired (or, in the case of theft, has not been
recovered in a roadworthy condition) by the intended time of your return home. The means of transport to be employed
shall be at our discretion.
We will pay the cost of transporting the insured vehicle to your home address in the UK area if repairs cannot be
carried out abroad (or the insured vehicle, if stolen, has been recovered but is no longer in a roadworthy condition), by
the intended time of your return home. We will pay for necessary garage storage costs and costs of transportation and
delivery, including any additional shipping costs.
OR
When agreed in advance by us, we will pay the cost of one person to travel to the location of the insured vehicle by
public transport to drive the repaired vehicle to your home in the UK Area.
The maximum we will pay under this Section to repatriate the insured vehicle will be limited to its current market value
in the UK area.
Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK area, and when you
confirm to us that these repairs will be put in hand.
If you are repatriated by us, we will pay the cost of transporting your personal possessions, other than hand luggage and
valuables, to your home address either together with or separately from the insured vehicle.
If a replacement vehicle has been provided, once the vehicle has returned to the Policyholders Home address within the
UK Area, it will no longer be covered irrespective of whether the original Insured Vehicle is still in the process of
repatriation.
In the event of a valid claim you shall allow us the use of any relevant travel tickets you are not able to use because of
the claim.
What is not covered?
a) Repatriation of the vehicle occupants injured in an accident involving the Insured Vehicle.
b) Trips solely within the UK area.
2.8 Bail bond
Following a debit to your credit or charge card, or a prior deposit of funds in the UK Area, in our favour, we will
guarantee up to 1,000 to enable you to provide Bail or other security to any judicial authority to secure your release
and/ or the release of the insured vehicle if detained in connection with a road traffic accident.
2.9 Motoring defence
Telephone Advice
We will provide telephone advice, guidance and assistance on any legal problem which arises in connection with a Trip
or in connection with Your Home. This service is available when you start your Trip until seven days after You return
Home.
Motoring Defence
We will pay up to 1,000 in respect of legal costs incurred in defending You in a Court outside the UK Area against an
alleged motoring offence involving the Insured Vehicle during a Trip. You must notify Us within 28 days of receiving a
summons.
What is not covered:
a) alleged offences involving breaking the speed limit only, when no other offence is involved.
b) the defence of an alleged offence where there is no reasonable prospect of affecting the outcome of the prosecution.
c) costs or expenses incurred without prior authorisation by Us.
d) any claim not notified to Us within 28 days of your receiving the summons.
e) Your travelling and subsistence expenses.
f) fines awarded against you.
g) driving under the influence of drink and/or drugs or driving above the legally permitted blood/alcohol level.
2.10 Customs regulations
If as the result of an insured incident occurring outside the UK area during a trip:
the insured vehicle is beyond economic repair, we may arrange for its disposal under Customs supervision in the
country where it is situated. In this case we will deal with the necessary Customs formalities;
the insured vehicle is not taken permanently out of the foreign country within the limited time allowed after import, or
you inadvertently fail to observe the import conditions which permit import for a limited time without payment of duty, then
we will pay your liability for any duty claimed from you. We will not pay the cost of any other import duties imposed by
Customs.
What is not covered:
The cost of any other import duties imposed by customs.
General exclusions applying to all sections
1) Vehicles which have not been maintained and operated in accordance with the manufacturer's
recommendations; a previous inadequate repair; unsuccessful d.i.y. dismantling and/or reassembly; kit cars.
2) Any recurring claim due to the same cause within the last 28 days, where a permanent repair has not been
undertaken to correct the fault.
3) Assistance following a breakdown or accident attended by the police or other emergency services until they
have authorised the vehicles removal.
4) Vehicles being used for hire or reward; or for motor racing, rallies, speed or duration tests or practising for such
events.
5) The provision of service to vehicles temporarily immobilised by floods, snow-affected roads, sand or mud,
situated in areas to which Our agents have no right of access, or on Motor Traders' premises.
6) Vehicles not in a roadworthy condition at the time cover is effected.
7) Any deliberately careless or deliberately negligent act or omission by You.
Claims arising from loss of or damage to contents of the Insured Vehicle.
9) Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed
that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting
from, or in connection with any of the following regardless of any other cause or event contributing concurrently
or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not);
invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the
act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government;
civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power;
explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence;
murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state
foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity.
For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons,
committed for political, religious, ideological or similar purposes with the intention to influence any government
and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to,
the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can
either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also
excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above
incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall
remain in full force and effect.
10) Loss or destruction or damage, or any loss or expense whatsoever resulting from:
- ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of
nuclear fuel.
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
nuclear component thereof.
11) Any expense which at the time of the incurring of such expense is insured by or would but for the existence of
this Policy be insured by any other existing policy or policies or under any motoring organisation's service or
other service.
12) Immobilisation of, or damage to, the Insured Vehicle or any component, or travel delay or any consequential
loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment
or media, microchip, integrated circuit or similar device or any computer software or stored programme to
correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond
that date.
13) The cost of telephone calls when contacting Us. Whenever possible we will call you back as soon as possible.
14) Consequential loss of any kind arising from the provision of, or delay in providing, the services to which this
Policy relates, unless negligence on Our part can be demonstrated.
15) Any tolls, fines, parking charges or congestion charges arising under this Policy.
16) Any winching costs or specialist off-highway-recovery equipment. Any vehicle or equipment used other than a
standard recovery vehicle which is required to move a vehicle which has left the highway or is overturned or
without wheels, would be considered as specialist. Once the vehicle has been recovered to a suitable location,
normal service will be provided.
17) The cost of draining or removing contaminated fuel or other fluids. We will arrange local recovery, but it will be
your responsibility to pay for any work carried out.
18) Any costs for locksmiths, glass replacement or tyre specialists are your responsibility.
19) Claims arising from circumstances which were known to you at the time of applying for this insurance or at any
time prior to the commencement of the Period of Insurance, or claims arising as a result of a material fact or
facts, which have not been disclosed to Us prior to the commencement of the Period of Insurance.
20) Costs which would have been payable if the event being the subject of a claim had not occurred (for example,
the cost of meals which you would have paid for in any case).
General conditions applying to all sections
1) You must declare to us all facts which are likely to affect this insurance. Failure to do so may prejudice
entitlement to claim. If you are uncertain as to whether a fact is material, you should declare it to Us.
2) You must take all ordinary and reasonable precautions to prevent or minimise any loss, damage or breakdown
covered under this Policy. You must act as if you are not insured. You must take all steps necessary to
expedite the completion of repairs, and you shall not abandon the Insured Vehicle or any of its parts to Us
without Our authorisation.
3) We will not accept liability for expenses incurred without Our prior knowledge or consent and the Emergency
Centre must be contacted when an incident arises that may be the subject of a claim.
4) We cannot accept responsibility for the transportation of pet animals or livestock carried within the Insured
Vehicle at the time of an Insured Incident. Any extra costs involved in the transportation of pets or alternative
transportation requirements in the event of a breakdown, would not be covered by this policy.
5) You must comply in full with all the terms and conditions of this Policy before a claim will be paid. You must
make no admission, offer, promise or payment without Our prior consent. In order to benefit from the cover, an
Insured Person or member other than the Policyholder must agree to abide by all the relevant terms,
conditions and exclusions of this Policy.
6) We will make every effort to apply the full range of services in all circumstances dictated by the terms and
conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal
standard of service being provided. In all cases where such difficulties exist, the full monetary benefits of the
insurance cover will apply.
7) You must comply in full with the terms and conditions of this Policy before a claim will be paid. Please read this
Policy carefully.
In the event of an emergency or of any occurrence which may give rise to a claim for substantial costs under
this insurance, you must contact Us as soon as practicable. You must make no admission, offer, promise or
payment without Our prior consent. Please Telephone Us first.
9) We are entitled to take over your rights in the defence or settlement of a claim, or to take proceedings in your
name for Our own benefit against another party and we shall have full discretion in such matters.
10) We may, at any time, pay to you Our full liability under this Policy after which no further liability shall attach to
Us in any respect or as a consequence of such action.
11) If any dispute arises as to Policy interpretation, or as to any rights or obligations under the Policy, we offer you
the option of resolving this by using the Arbitration procedure we have arranged. Please see the details shown
in Complaints Procedure. Using this Service will not affect your legal rights.
12) If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the
insurance, this Policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and
received must be repaid to Us.
13) You will be required to reimburse to Us, within seven days of Our request to you, any costs or expenses we
have paid out on your behalf which are not covered under the terms of the insurance.
14) At the time of a claim, at Our request you must provide evidence of proper servicing of your vehicle.
15) A garage or specialist undertaking repair work on your instructions and which is not specifically covered under
this insurance will be acting as your agent for such repair work.
16) This contract of insurance is effected in England and unless otherwise agreed between the Policyholder and
Us is subject to the Laws of England and Wales, the Courts of which countries alone shall have jurisdiction in
any disputes.
17) Service will be provided only to the Insured Vehicle, details of which have been supplied to Us.
18) In the event of a valid claim involving your repatriation from a Trip, you shall allow Us the use of any relevant
travel tickets you are not able to use because of the claim.
19) If you have a road traffic accident, you must supply your motor vehicle insurance details to Us when we ask
for this information. The incident must be reported to the insurer.
Dilber MC Theme by HarzeM