Car breakdown cover policy wording

Part A : Roadside assistance within the UK

You are covered for:
In the event that your vehicle is immobilised as a result of a breakdown or accident, we will arrange and pay for a Vehicle Rescue Operator to attend the scene of the incident for up to one hour in order to try and restore the vehicle's mobility.

If your vehicle cannot be made roadworthy at the scene, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable garage normally within 15 miles for it to be repaired at your cost.

Recovery within the UK  (included automatically)

You are covered for:
If your vehicle cannot be made roadworthy at the scene of the breakdown or accident and cannot be repaired the same day at a suitable garage, will arrange either:

  1. Nationwide recovery service
    We will arrange for your vehicle together with the driver and up to six passengers to be taken to your intended destination or Home anywhere in the UK and then at your request for your vehicle to be taken to a garage of your choice within 15 miles during one complete journey

    OR

  2. Overnight accommodation
    We will arrange and pay for hotel accommodation expenses for one night only, limited to bed and breakfast, subject to a maximum of £40 per person and £160 per incident

    OR

  3. 24 hour UK Hire vehicle
    We will arrange and pay for a Hire Vehicle of up to 1100cc for a period not exceeding 24 hours. You will be responsible for the return of the Hire Vehicle and the collection of Your repaired Car.

Home Rescue (if higher premium paid)

In the event that your vehicle is immobilised as a result of breakdown at or within one mile of your home, we will arrange and pay for a vehicle rescue operator to attend the scene of the incident for up to one hour in order to try and restore the vehicle's mobility. If your vehicle cannot be made roadworthy at the scene we will arrange for your vehicle together with the driver and up to 6 passengers to be taken to a suitable garage, normally within 5 miles for it to be repaired at your cost.

Emergency Driver within the UK (included automatically)

If, during the journey, the driver suffers accidental bodily injury or illness which means that he or she cannot drive and there is no one lese able or qualified to drive the vehicle, we will provide and pay for a driver to complete the journey or return the vehicle and passengers to the intended destination.

B) Continental Motoring - limited to a maximum number of 60 days per annum. You are covered for:

Roadside Assistance and Recovery

In the event that your vehicle is immobilised as a result of a breakdown or accident during the course of a trip outside the UK, we will arrange for:-

  1. A vehicle rescue operator to attend the scene of the incident to try and restore the vehicle's mobility. If your vehicle cannot be made roadworthy at the scene we will arrange for your vehicle together with the driver and up to 6 passengers to be taken to a suitable garage for it to be repaired at your cost. We will pay up to £250 per trip for the cost of labour at the roadside and any necessary recovery.

  2. Temporary or permanent repair up to a limit of £100 per trip for the cost of labour, for the sole purpose of making your vehicle secure following a theft or attempted theft of your vehicle or its contents

The location and delivery of spare parts

We will pay for the location and despatch of the parts necessary to repair the vehicle

Completion of journey

You are covered for:
Following an immobilising breakdown or accident where your vehicle will be immobilised for more than 8 hours, or your vehicle cannot be repaired locally, or should it be stolen and not recovered we will arrange and pay per trip:

  1. the transportation of the driver and passengers and their personal effects to their intended destination and the return of the driver to the repairer's premises to collect the repaired vehicle. Should we agree that the most suitable transportation is to be the provision for an equivalent alternative hire vehicle during the period for which the vehicle is immobilised pending local repairs then we will pay up to £70.00 per day or £750.00 in total.

    OR

  2. reasonable hotel accommodation expenses of the driver and passengers (limited to bed and breakfast only) whilst awaiting completion of repairs to your vehicle up to £30 per person per day with a maximum of 5 days, providing your planned accommodation has been pre-paid and cannot be recovered.

  3. The delivery of your vehicle to your planned destination following repairs if you are unable to collect it.

  4. a replacement hire vehicle in the United Kingdom up to a maximum of £150 pending the return of your vehicle to the United Kingdom if following a breakdown or accident, your vehicle is repatriated more than 24 hours after the date of your return home.

THE ABOVE CONTINENTAL MOTORING BENEFITS ALSO APPLY IN THE UK PROVIDED THAT THE BREAKDOWN OR ACCIDENT HAPPENS

  1. IN THE COURSE OF A PLANNED TRIP TO A COUNTRY OR COUNTRIES OUTSIDE THE UK AND

  2. BETWEEN YOUR HOME AND THE PORT OF DEPARTURE IN THE UK IMMEDIATELY PRIOR TO OR AFTER THE EUROPEAN TRAVEL FOR WHICH COVER OUTSIDE THE UK HAS BEEN PROVIDE

Repatriation of the Immobilised Vehicle

You are covered for:
Following an immobilising breakdown or accident where your vehicle cannot be repaired locally or the repairs carried out locally cannot be completed before the date fixed for your return to your home in the United Kingdom or the vehicle having been stolen is recovered after you return to your home in the United Kingdom

We will arrange and pay for:
the return of your vehicle to your home or nominated repairer in the United Kingdom

OR

the cost of a single ticket by rail and/ or sea, or air if travel by train and/or boat exceeds 12 hours, for you or driver nominated and/or appointed by you, to return from the United Kingdom to the place of the accident or breakdown or storage in order to drive your vehicle to your home in the United Kingdom

AND IF APPLICABLE

storage of your vehicle pending its repair, repatriation or legal abandonment up to a limit of £100.

If the immobilisation of your vehicle will continue after the date of your planned return to your home in the United Kingdom or your vehicle is stolen and not recovered before the date of your planned return home we will pay for the transportation of the driver and passengers to return to the UK

Emergency driver

If, during the journey the driver suffers accidental bodily injury or illness which means that he or she cannot drive and there is no one else able or qualified to drive the vehicle we will provide and pay for a driver to complete the journey or return your vehicle and passengers to the intended destination.

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