Conditions and exclusions on the breakdown policy (the small print)

All parts of the policy

1. The cost of replacement fuel or for any spare parts required to restore the mobility of your vehicle or for any costs incurred as a result of the unavailability of spare parts due to the failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.

2. Any loss, damage or legal liability arising directly or indirectly from, or consisting of the following:

3. The cost or the quality of repairs when your vehicle is repaired in a garage.
4. Assistance or Recovery if your vehicle is partly or completely buried in snow, mud, sand or flood.
5. Damage or costs incurred as a direct result of gaining access to your vehicle following your request for assistance.
6. The costs incurred in obtaining a spare wheel or for roadside repair where you are unable to provide a serviceable spare wheel.
7. If your vehicle has been modified for, or is taking part in, racing, trials or rallying.
8. Any cost recoverable under any other policy of insurance r under the service provided by any motoring organisation.
9. Recovery where your vehicle is carrying more occupants than a driver and up to 6 passengers or a greater weight, than for which the vehicle was designed, or where the vehicle is being used unreasonably on unsuitable terrain.
10. Recovery or Assistance where the vehicle exceeds 3,500 kg gross vehicle weight or 17 feet in length.
11. Recovery or Assistance where your vehicle is being used for the carriage of people for hire or reward.
12. Recovery or Assistance where the vehicle is being used for the carriage of commercial goods.
13. Any claim arising from the driving of your vehicle with your consent by:-

• any person who you know does not have a driving licence to drive a motor vehicle. We will cover you however if that person has held such a licence and is not disqualified from having or obtaining one.
• any person who does not conform to the conditions of the motor vehicle driving licence held.

14. Any claim arising from an inadequate repair or attempted repair carried out during the course of the same trip unless the repair has had the prior approval of AXA insurance

Exclusions applying to the Continental Elements of the policy

1. The cost of repairs when your vehicle is repaired in a garage other than labour charge following theft or attempted theft.

2. Damage or costs incurred as a direct result of gaining access to your vehicle following your request for assistance.

3. The collection of your vehicle from the garage after investigation or rectification work has been carried out following recovery.

4. Any amount where spare parts can be obtained locally or any amount if spare parts are unavailable where:-

• they are no longer being manufactured

• they cannot be obtained from a wholesaler or agent

• they cannot be exported to the country where your vehicle is located.

5. Any costs which would have been incurred had no claim arisen.

6. Any loss or damage to personal effects left in, on or outside your vehicle.

7. Any damage to your vehicle when it is being transported to your home.

8. More than the cost for legal abandonment and any Customs Duty imposed if the estimated repatriation cost exceeds the market value of your vehicle in the United Kingdom.

General conditions applying to all parts of the policy

1. Your vehicle shall at all times be maintained in a good mechanical and roadworthy condition and be regularly serviced.
2. If we arrange for temporary roadside repairs to be carried out following damage to your vehicle or we provide recovery to your nominated destination, we shall not be liable to provide further assistance in respect of the same incident or insured event.
3. No benefit shall be payable unless you contact us via the emergency telephone numbers provided (0800 783 4693 in the UK and (+44) 1372 368151 abroad.) You must not seek to contact any agent or repairer direct. (NB on many motorways or Autoroutes, particularly in France, if you breakdown the emergency telephones will be answered by the police. They will arrange for a recovery vehicle to tow you off the motorway either to a local garage or perhaps to a motorway service station, without reference to AXA Assistance. You may be required to pay for this assistance on the spot - in which case obtain and keep a receipt and we will reimburse you. Alternatively once you are towed to a place of safety call AXA Assistance and the recovery agent may accept our guarantee of payment. At this stage we will also arrange any other assistance you require. Only by calling the Emergency Helpline number will you be able to claim for the service provided)
4. You are responsible for the safety of your vehicle and its contents and, unless incapacitated, or by arrangement with Our Agent, or Us you must be in attendance at your vehicle at the estimated time we advise assistance can be expected.
5. Your policy number must be quoted when calling for assistance and the relevant identification produced on demand of the repairer, recovery specialist or other nominated agent of AXA Assistance.
6. You will have to pay the cost for the recovery or repair vehicle coming out to you if, after requesting assistance to which you are entitled, your vehicle is moved, recovered or repaired by any other means.
7. You will have to pay any toll or ferry fees incurred by the driver of the recovery vehicle.
8. We are not responsible for any action or costs of garages, recovery firms or emergency services carrying out work or acting on your instructions or the instructions of any person acting on your behalf.
9. We shall be entitled to request all reasonable assistance from you to conduct proceedings in yourname for AXA Assistance's benefit to seek reimbursement from a responsible Third Party following payment of a claim made under any cover provided by this Agreement.
10. You will carry a serviceable spare tyre for your vehicle. (See exclusion 6 above)
11. We reserve the right to nominate a suitable garage equipped to undertake repair, at your expense, rather than recover an immobilised vehicle where effective repairs can be completed within 8 hours
12. If we arrange for temporary roadside repairs to be carried out to your vehicle you are required to then immediately arrange for any permanent repair that may be necessary.
13. If your vehicle needs to be taken to a garage after a breakdown, it must be in an easily accessible position for a recovery vehicle to load. If this is not the case you will have to pay an emergency recovery fee.
14. You will have to pay for parts, components or other products used in the repair of your vehicle.
15. We will not arrange for assistance where your vehicle is considered to be dangerous or illegal to repair or transport.
16. AXA Assistance shall not be responsible for more than two claims made against the Service during any 12 month period which arise from a common identified fault.
17. Should you be unwilling to accept our decision or that of our agents on the most suitable form of assistance to be provided we will pay not more than £100 for any one breakdown or accident towards your preferred form of assistance.

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insurance UK company Portwood