Information about mechanical breakdown cover

Your motor vehicle can breakdown at the most inconvenient time leaving you to pay large unexpected garage bills.

We can help you with our Respond contract covering the cost of mechanical breakdown repairs to your motor car, motorcycle or motor caravan leaving you to enjoy peace of mind motoring. There are no hidden catches no 'wear and tear, excuses, you can pay the premium over 12 months and even transfer the policy to the new owner if you sell your vehicle.

	Exclusions		Conditions
	Price

Do I qualify?

The policy covers mechanical breakdown on private cars, motorcaravans and motorcycles which:

• are less than 10 years old

• have less than 100,000 miles on the clock (50000 for motorcycles)

• have been regularly serviced (must have had a service within the last 12 months)

• are not on the excluded vehicle list or use list.

What is insured

This insurance is designed to cover the repair cost incurred as a direct result of mechanical, electrical and electronic breakdown. It does not cover the repair or replacement of worn out components which have not suffered a breakdown: for example component fitted as a result of your vehicle being serviced or in order for it to pass an MOT test. It does not cover the repair or replacement of components which were faulty or had suffered a breakdown prior to the commencement of the policy - see below for a list of exclusions.

You are indemnified against repair costs up to the limit of the sum insured and cover level stated in respect of the components of your vehicle insured by the policy which require repair or replacement as a result of a breakdown occurring during the period of insurance whilst your vehicle is in the United Kingdom (60 days abroad).

There are THREE levels of cover

Cover level 1 (motorcar and motorcaravan)

COMPONENTS INSURED

All mechanical, electrical and electronic components of the vehicle that were the manufacturer's original fitment except those listed below

• Bodywork : All bodywork, trim, glass, paint, sunroof components, panels, wheels and tyres

• Brakes : Brake discs and drums, brake pads and shoes, seized calipers

• Clutch : renewal of any clutch components due to incorrect adjustment, misuse or general wear and tear

• Contaminated fuel: the cleaning or unblocking of fuel lines, filters, carburettors, pumps metering units or idle speed control valves

• Electrics: Batteries, fuses, wiring looms and connectors including making good corroded connections, in car audio systems or navigational systems, alarms and immobilisers not fitted by the vehicle manufacturer as original specification

• Service items: Distributor cap, rotor arm, condenser, points, high tension leads, spark plugs, wiper blades, filter elements, bulbs, belts, antifreeze, fluids, grease, fuel or oils

• suspension: shock absorbers

• Miscellaneous: Burnt or sticking valves, eshaust manifold and gasket, exhaust pipes, catalytic converter, lambda sensor, drive belts, brackets, mountings, hoses, water ingress, cables.

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Cover level 2 (motorcar and motorcaravan)

COMPONENTS INSURED

ONLY the components listed under the following headings

• Engine: All parts contained within the cylinder block and head assemblies including the following: rocker assembly, valves and guides, cylinder head gasket, pushrods, camshaft and cam followers, timing gears, chains and belts, oil pump, pistons, piston rings, gudgeon pins, cylinder bores, connecting rods and bearings, crankshaft and bearings, distributor drive gear, distributor drive auxiliary shaft and bushes, internal bushes, flywheel and ring gear
• Manual transmission: All parts contained within the transmission casing including Bands, oil sump shafts, bearings and bushes, valve block, manual governor and servo
• Differential and driveline including front wheel drive: crown wheel, pinion gears, planet gears, bearings, bushes, halfshafts, driveshafts, constant velocity/universal joints swivel hubs, drive flanges
• clutch: release bearing, pressure plate, centre plate
• propshaft: universal joints, bearings
• fuel system: carburettor, fuel pump, fuel injection, metering unit, air flow meter, pump and injectors
• turbocharger: turbo charger, wastegate
• casings: the cylinder block, cylinder head, transmission and differential casings
• brakes: master cylinder, servo
• miscellaneous: starter motor, alternator, water pump
• additional items for motorcaravans: internal light fittings, water pump, water heater, refrigerator, extractor fan motor, tv socket (manufacturers fitted unit only) gas pipes and joints, hotplate/oven, space heater (manufacturers fitted unit only) casette toilet, electrical control unit (master switch panel), where the indicated fault relates to a covered components.

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COVER LEVEL 3 (Motorcycles)

Only the components listed under the following headings are covered.

• Engine: Cylinder head, all internal bushes, cylinder block or barrels and crankcase assemblies, camshaft and followers, rocker assembly, valves and guides, cylinder head gasket, push rods, timing gears, chains and belts (breakage only) , oil pump, pistons, piston rings, gudgeon pins, cylinder bores, connecting rods and bearings, crankshaft and bearings, distributor
• Gearbox: All parts contained within the gearbox casing including gears, shafts, bearings, bushes, selector forks and rods, torque convertor, clutches, brake bands, oil pump, valves and seal
• clutch: clutch plates. clutch master cylinder, slave cylinder, release bearing
• final drive unit: driveshaft, universal joints, bearings, seal and gears
• frame: excluding damage caused by impact or corrosion
• swing arm unit: including internal bushes and components
• cooling system: water pump, thermostat
• electrical: starter motor,drive gear train and solenoids, generator and rectifier
• brakes: brake master cylinder, callipers (except where seized or corroded), all internal components including pistons and seal and servo units
• front telescopic forks: loss of fluid or pressure or mechanical failure of the suspension ring
• casings: engine, gearbox and final drive casings are covered in the event of damage brought about by the failure of a covered component but excluding external corrosion
• Major oil leaks: oil leaks that necessitate the removal of either the engine, gearbox or final drive unit to carry out the repairs

  Components not covered

  Any component not specifically mentioned is not insured. Also excluded are decarbonising, reseating valves and burnt out valves, allexternal linkages and kickstart, worn out or burnt out parts, final drive chain or belt, sprockets, rubber drive couplings and rubber gaiters and damage caused by impact or external corrosion

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  Other benefits (all covers)

  Please note that the cost of vehicle recovery, car hire and hotel expenses are included in the sum insured

Vehicle recovery:

This insurance covers vehicle recovery to the nearest repairer following breakdown of any component of the vehicle covered by this insurance to a maximum of £100 including VAT per breakdown

Vehicle Hire

If your vehicle is not repaired within 24 hours of its arrival at the repairer due to the breakdown of any components covered by this insurance which completely disables the vehicle and prevents it from being used the policy will pay up to a total of £50 (including VAT) per day for a maximum of 7 days towards the cost of hiring a similar vehicle. The 7 day period to begin not less than 24 hours after breakdown. Please note that the policy does not cover:

• The first 24 hours of hire costs following breakdown
• Hire costs in excess of the 7 day allowance
• Charges incurred for fuel, damage or insurance

Hotel expenses

The policy will pay up to a total of £100 including VAT towards overnight accommodation on a room only basis incurred as a result of a component covered under this insurance

Overseas use

The territorial limits of the policy are extended for a maximum period of 60 days during the total period of the policy subject to the following:-

• You must pay the repairer and claim reimbursement direct from the claims office
• The sum insured under this section is restricted to a maximum of £500 (including VAT) inclusive of vehicle recovery hotel and vehicle hire expenses
• The other terms, conditions and exclusions of the policy.

Premium Calculation

The premium depends on the following factors

1. Cover selected (1, 2 or 3)

2. Engine size

3. Current mileage

4. Estimated annual mileage

Please note that  the following vehicles are excluded

AC:Aston MArtin: Bentley: BMW 6,7,8 & M Series: Bristol: Caterham:Chrysler Viper: Citroen CX: Colman-Milne: Daihatsu Mira: De Tomaso: Ferrari: Ford Cosworths; Ginetta: Honda NSX: ISUZU Vehicross: Lexus RX300/Coupe:Lotus: MArcos: MAserati: MAzda RX7: Mitsubishi 3000GT/Lancer EVOs'/FTOs',alant VR4: Morgan: Nissan 300ZX & Skyline: Panther: Porsche: Rolls Royce: Spectra: Subaru Imprezza WRC/WRX/STI/22B/Legacy/GTB: Tatra: Toyota Supra Supra RZ Turbo/ MR2 Turbo/Harrier/Windom:Trabant:TVR:Westfield

Please note that the following are excluded

All cars used for motorsport, all kit cars, all rotary engined cars, American cars, Canadian cars, commercial vehicles, driving school vehicles, personal imports and imported vehicles not imported by the official concessionaire: replica cars, taxis, vehicles used for hire or reward, dispatch or courier vehicles and 3 wheel vehicles

The following vehicles are rated as executive cars

Alfa Romeo, Audi Quattro, Audi S Class and Sport, BMW 5 series, Citroen XM, Daimler, Jaguar, Lancia, Land Rover, Lexus, Mercedes, Range Rover, Renault GTA and A610, SAAB, Volvo T Models

Request proposal form for motor vehicle mechanical damage  and breakdown warranty insurance

Claim reporting

Claims may be reported at any time but are only processed on a Monday- Friday 9.00am - 5.00 pm. Should an incident happen outside this time an automated response service is provided and you may authorise repairs and claim back any payments retrospectively (subject to policy cover).

What is not covered

• Loss or damage to your vehicle or any of its components caused by the use of incorrect fuel

• Repair or replacement of components which have not suffered a breakdown or the replacement of any components to enable your vehicle to pass the Government Vehicle Testing requirements (MOT) - we do offer MOT insurance if required

• Any repairs or replacement, loss or damage or liability which is claimable on any manufacturer, including where parts are not available through UK Concessionaire and any delay arising therefrom.

• the use of the vehicle at any time for any rally, racing or any kind of competition or trial other than 'treasure hunts'

• any loss or damage due to any traffic accident, accidental damage (including theft or attempted

• Any oil leaks, although the breakdown of a covered component caused by an oil leak will be paid for.

• damage to the vehicle caused by frost or the freezing of liquids unless antifreeze had been added tot he liquids in accordance with manufacturer's recommendations.

• Any loss arising from your failure to have the vehicle serviced in accordance with the conditions of the policy, or lack of routine maintenance as detailed in your servicing handbook

• repeat repairs necessary because of poor workmanship or faulty components

• the repair or replacement of components which were faulty or had suffered a breakdown prior to the commencement of cover

• Routine adjustments and service items: distributor cap, rotor arm, condensers, points, high tension leads, spark plugs, wiper blades, filter elements, bulbs, belts, antifreeze, fluids, grease, fuel or oils unless replacement is necessary following the breakdown of a component which forms part of a valid claim accepted by the company.

• the use of the vehicle for hire or reward, despatch or courier vehicles.

• burnt or worn out clutch components, decarbonising reseating or sticking and burnt out valves.

• any faults, damage or consequential loss arising from errors, viruses, omissions or defects in any application or systems software.

• Failure due to date recognition

• The cost of any exploratory, investigation or dismantling work not associated with a valid claim.

What is insured?

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