Please provide the operator with the following information: -
Your name
Registration number of vehicle
Exact location of vehicle
Nature of breakdown
Your Policy number

We will then arrange for a recovery operator to attend the location given, as quickly as possible.

During the period of cover you are entitled to contact us up to a maximum of 6 times for breakdown assistance, your policy will then become cancelled after the sixth callout with no refund of premium being allowable.

The helpline is available 24 hour’s a day 365 days a year

Your cover
The vehicle is covered for call out charges and up to 1 hour’s labour charges, at the scene of your breakdown where your vehicle is rendered immobilised within the Territorial Limits stated in this policy.

Change of vehicle
You are only covered for the vehicle registered at inception of membership unless you have notified us previously of a change of vehicle 48 hours prior to a breakdown.

Change of address
Assistance at your home is only covered at the address registered at inception. If you change address please notify us immediately.

Period of cover
The policy is for the period as stated in the schedule.
Please note - recovery operators are unable to work on unattended vehicles.

Summary of cover
Roadside assistance
Roadside repairs
Assistance at your home
Onward destination service
Cover for any driver whilst that person is using the vehicle insured, provided the person has received permission from you first.
Cars, vans, and motorcycle up to 3.5 tonnes
Recovery of caravan or trailer attached to your vehicle up to 25 feet
1 hours roadside assistance only.
Up to a maximum of 6 call outs a year
Wheel changes (as long as you have a serviceable spare tyre and wheel and are able to provide a manufacturers key to remove any locking wheel nuts)

What is not covered
Any claim arising in the first 48 hours from date of inception.
Labour charges in excess of one hour.
Cost of replacement parts or materials used in the repair.
Toll charges, ferry charges, parking charges, traffic congestion charges.
Storage charges incurred during or after the use of our services.
More than 6 call outs during the period of cover.
Running out of fuel, wrong fuel in vehicle, loss of keys, broken glass.
Vehicles immersed in mud, snow, sand, or water or any fault arising from
Keys locked in vehicle.

Any campervan or any vehicle modified to provide living accommodation.

Definitions

Vehicle
The vehicle declared to us, to include any trailer or caravan attached to the vehicle at the time of breakdown.

Territorial limit
Sub section A The United Kingdom including Northern Ireland, the Isle of Man and the Channel Islands

Breakdown
Breakdown means an electrical or mechanical failure or a road traffic accident or damage caused by vandalism, fire, theft or attempted theft which renders the vehicle immobilised.

Terms and conditions and eligibility of cover
You or the driver must abide by the terms and conditions of this policy.
The vehicle must be maintained at all times in a roadworthy condition and be regularly serviced.

Motor Breakdown only covers the vehicle registered not the driver.
Cars, vans, and motorcycles are only eligible up to a maximum 3.5 tonnes gross weight, 5.5 metres (18 feet) in length, 2.3 metres (7 foot 6 inches) wide.(excluding campervans)
Any caravan or trailer attached to the vehicle must be up to a maximum of 7.6 metres (25 feet) in length at the time of the breakdown.
We reserve the right to cancel this policy at any time, by giving you 14 days notice in writing to your last known address, and a pro rata refund will be allowable to you if no claims have been made.
You can cancel this policy within 14 days providing no claims have been made. No refund of premium will be made after this period.

Sub-section A: United Kingdom Cover
If the vehicle registered is immobilised in the UK, then you are covered for the following: -
A Call out and up to 1 hour’s roadside assistance by one of our approved recovery operators to attend the scene of the breakdown, and where possible carry out emergency repairs.
B If repairs cannot successfully be carried out at the scene of the breakdown we will pay the cost of recovery of the vehicle and up to 4 passengers to the nearest suitable garage able to effect a repair, or recovery to your onward destination, or home address whichever is nearer.
C If repairs cannot be carried out within an agreed reasonable period then you will be offered one of the following options: -

(i) The cost of alternative road or rail travel for the driver and up to 4 passengers from the scene of the breakdown to one destination within the Territorial Limits stated in this policy, plus a return journey for one person to collect the vehicle upon completion of repairs.

(ii) The cost of one night accommodation (excluding food and drink) in the vicinity of the breakdown for the driver and up to 4 passengers up to a maximum of £40.00 per person, subject to a maximum overall of £200.00 per claim.
(iii) The recovery of the vehicle, the driver and up to 4 passengers to any one destination within the Territorial limits stated under Sub Section A.

The maximum payable for any claim from any one breakdown is £1,000 or the current market value of the vehicle, whichever is lower.

Important Notes
We will always decide on the best possible way of offering assistance, after taking into account each individual circumstances.

We do not accept any responsibility for the transportation of pet animals or livestock within the vehicle at the time of the breakdown.

A garage or mechanic undertaking repair work on your instruction will be acting as your agent for such repair work.

If requested, you must provide evidence of servicing of your vehicle.

This document is subject to English law unless otherwise agreed in writing by the insurers.
In the event of a vehicle breakdown we will offer recovery of any caravan or trailer (within the specified restrictions). The caravan/trailer is not covered for breakdown within the terms and conditions of this policy.

General exclusion
The underwriters will not cover the following: -
Vehicles that have not been regularly serviced or breakdown as a result of, inadequate repair/unsuccessful DIY or any recurring claim where no remedial action has been taken to correct the fault.
Vehicles being used or that have been modified for motor racing, rallies, speed or endurance tests, hire or reward including (courtesy cars) or over 3.5 tonnes gross laden weight. Mechanically modified vehicles requiring specialist repairers
Any liability or consequential loss arising from any act performed in the execution of the Breakdown services provided.
Vehicles not in a roadworthy condition immediately prior to any breakdown.
Claims arising from loss or damage to contents of or within your vehicle.
Vehicles immersed in mud, snow, sand or water.
Any claim recoverable from any other insurance policy.
Any fines or penalties imposed by courts.

Any claims for private hire vehicles (please refer to Taxi Cover)
Any charges incurred prior to notification of Breakdown, and our approved repairer attending.
The cost of any parts, components, lubricants or materials, food, drinks, telephone calls, petrol or oil, or other incidental expenses.
Any claim where change of vehicle has not been notified.
Any charges incurred resulting from your Breakdown in a location that rescuing the vehicle would be unlawful.

Any cost of any specialist recovery equipment needed.
Breakdowns where your vehicle is not accessible or cannot be transported safely, legally and without hindrance using a standard transporter or trailer.

Any toll charges, ferry charges, parking charges or traffic congestion charges.
Any costs recoverable elsewhere.

Any camper vans or converted vehicles providing living accommodation
Breakdowns caused by your vehicle running out of fuel or where assistance cannot be effected because the vehicle does not have a serviceable tyre and spare wheel.

Claims directly or indirectly caused by or contributed to or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; war, invasion, terrorism, foreign enemy hostilities ( whether war is declared or not), civil war, rebellion, revolution, military force or coup; or pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.

Complaints procedure
Our aim is to try to provide a first class service to you at all times, however we do recognise that sometimes problems do occur. Should you ever have cause to complain then in the first instance please e-mail admin@vehiclebreakdown.org.uk:

DATA PROTECTION
The data supplied by you will only be used by us and carefully selected associated companies for related products and services as well as the purposes of processing your policy of insurance, including underwriting, administration, and handling any claim which may arise. The data supplied will not be passed to any other parties other than those, which we have mentioned hereon.
It is important that the data you have supplied is kept up to date. You should therefore notify us promptly of any changes. You are entitled upon the payment of an administration fee to inspect the personal data, which we are holding about you.

We may respond to enquiries by the police concerning your policy in the normal course of their investigations. Where it is necessary to administer your policy effectively, or to protect your interests, we may disclose the data you have supplied to other third parties such as motor garages, engineers, repairers, insurers etc.

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