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Terms and Conditions




Helplines available 24 hours a day, 365 days a year.
In the event of a vehicle breakdown a recovery service engineer will attend the location given, as quickly as possible. During the period of cover you are entitled to contact us up to a maximum of 4 times for breakdown assistance, your policy will then become cancelled after the fourth callout with no refund of premium being allowable. Subject to a maximum claim limit of £2,000.00 in any one period of cover.


The Benefits

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 48 hours previously of a change of vehicle 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.

Summary of cover
Roadside assistance / Roadside repairs.
Assistance at the scene of an accident (subject to insurance Company approval).
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.
1 hour’s roadside assistance only.
Up to a maximum of 4 call outs a year. Subject to a maximum claims limit of £2,000.00.
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 4 call outs during the period of cover.
Running out of fuel, loss of keys and/or broken glass.
Vehicles immersed in mud, snow, sand or water.
Keys locked in vehicle and/or incorrect fuel in vehicle.
Wheel changes without a serviceable spare tyre.
Any costs involved in the transportation of passengers.

We, Us, Our
You, Your
The person who has taken out the policy.

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

Territorial limit
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 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.
Commercial vehicles up to a maximum 3.5 tonnes, 5.5 metres in length, 2.3 metres wide.
A maximum claims limit of £2.000.00 in any one period of cover.
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 have the right to cancel your policy within 14 days of inception and receive a full refund, without giving any reasons, provided no claim has been made against the policy.
After the 14 day period has expired you will not be entitled to any refund if the policy is cancelled.


United Kingdom Cover
If the vehicle registered is immobilised in the UK, then you are covered for the following: -
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.
If repairs cannot successfully be carried out at the scene of the breakdown we will pay the cost of recovery of the vehicle to the nearest suitable garage able to effect a repair, or recovery to your onward destination, or home address whichever is nearer.
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 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 overnight accommodation (excluding food and drink) in the vicinity of the breakdown for the driver, up to a maximum of £40.00 a night, subject to a maximum overall of £200.00 per claim.

(iii) The recovery of the vehicle, and the driver to any one destination within the Territorial limits stated under Sub Section A. The maximum payable for any claim from any one breakdown is £500.00.


Important Notes
We will always decide on the best possible way of offering assistance, after taking into account each individual circumstance.
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 at the scene of the breakdown.
This document is subject to English law unless otherwise agreed in writing by the insurers.

General exclusion

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, (Including coaches), 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 attending.
The cost of any parts, components, lubricants or materials, food, drinks, telephone calls, petrol or oil, or other incidental expenses.
Any claim where the Call Centre has not been notified 48 hours previously of change of vehicle.
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.
Breakdowns caused by your vehicle running out of fuel or where assistance cannot be affected 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 write to: - Address on Policy Documentation

Data Protection
The data supplied by you will only be used for the purposes of processing your membership documentation, 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 herein.
It is important that the data 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 data which we are holding about you. If you wish to make such an inspection you should contact: -

The Administrator,

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

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