TO PERSONAL MOTOR ASSISTANCE GOLD
Cover - PERSONAL
and Professional Service - UK cover only
will cover you when driving ANY car
of experienced controllers and carefully selected garage agents means that we
can give you first class service throughout the whole of the UK, 24 hours a day.
of our competitors charge you extra if you want to cover yourself for recovery
charges. With our scheme Rescue recovery costs are automatically included, so
every single member is covered for help at the roadside and recovery to his or
these benefits with other schemes
. We cover you when you drive ANY car whether
owned or not owned by you
. Caravans and Trailers are included free
surcharge for older vehicles - any car - NO age of vehicle
for Classic Cars
No enrolment fee.
· Free call from anywhere in the UK
To make sure you get the most from your cover, please take time to read this policy.
It explains the contract between you and us. If you have any questions or would
like more information, please contact 01604 757578
How can we help? We are here to help you 24 hours a day, 365 days a year. In the
event of a breakdown
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.
Our helpline is available
24 hours a day 365 days a year. In the event of a breakdown you will need
to provide photographic proof of identity.
The vehicle you are driving is covered for call out charges and
up to 1 hours labour charges, at the scene of your breakdown where your
vehicle is rendered immobilised within the Territorial Limits stated in this policy.
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 - our
recovery operators are unable to work on unattended vehicles.
Summary of cover
Assistance at your home
Cover for any vehicle being driven by the named insured
Cars, vans, and motorcycle up to 3.5 tonnes
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 (providing member has a serviceable spare
tyre and wheel and are able to provide a manufactures key to remove any locking
What is not covered
Any claim arising in the first 48 hours from date of inception.
in excess of one hour.
Cost of replacement parts or materials used in the
Claims where no photographic proof of identity is produced at the
scene of a breakdown.
Toll charges, ferry charges, parking charges, traffic
Storage charges incurred during or after the use of our
More than 6 call outs during the period of cover.
of fuel, loss of keys, broken glass.
Vehicles immersed in mud, snow, sand,
Keys locked in vehicle.
We, us, Our
First Call Control Centre.
The person who has taken out the policy.
being driven by the named insured
Sub section A The United Kingdom including Northern Ireland, the Isle of Man and
the Channel Islands
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
Terms and conditions and eligibility of cover
You the insured must abide by the terms and conditions of this policy.
vehicle being driven by the named insured must be maintained at all times in a
roadworthy condition and be regularly serviced.
Personal Motor Breakdown covers
the vehicle being driven by the named insured.
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.
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.
You can cancel this policy at any time.
If no claims have been made during the period of cover then a pro rata refund
will be made. If a claim has been made during the current period of cover then
no refund of premium is allowable.
Sub-section A: United Kingdom Cover
If the vehicle registered is immobilised in the UK, then you are covered for the
A Call out and up to 1 hours 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 then 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
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
(iii) The recovery of the vehicle, the driver and up to 4 passengers
to any one destination within the territorial limits under Sub Section A.
maximum payable for any claim from any one breakdown is £2,000.
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.
document is subject to English law unless otherwise agreed in writing by the insurers.
The insurers 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 or over 3.5 tonnes gross laden weight.
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 charges incurred prior to notification of Breakdown, and our approved repairer
The cost of any parts, components, lubricants or materials, food,
drinks, telephone calls, petrol or oil, or other incidental expenses.
Any claim where IIT Motor Breakdown has not been notified previously of change
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
vehicles 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
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.
The data supplied by you will only be used for 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 on computer data bases.
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, other insurers
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