Welcome
Terms & Conditions for Essential Cover This
is an example document, please take the time to read thoroughly as it explains
the terms and conditions of membership.
Membership includes roadside assistance. If the vehicle cannot be repaired within
a reasonable time then you will be offered either a recovery to a single destination
within the U.K. or recovery to a nearby garage. Cover also includes Home Call
Out
Your
cover
Your period of cover as stated in your membership schedule.
Three
levels of Cover
1/ Annual Membership
£29.50 Roadside, tow to local garage excluding home call out
2/ Annual Membership
£42.50 Roadside, Recovery to local garage including home call out
3/ Annual Membership
£47.50 Roadside, Max 50 Mile Distance Recovery plus home call out
The vehicle is covered for emergency attendance, roadside labour costs,
and recovery to any single U.K. destination
We reserve the write to cancel the membership at any time, by giving you
14 days notice in writing to your last known address, and a pro rata refund
will be made.
You can cancel the membership at any time. No refund of membership after
1 month
United Kingdom
If the vehicle registered is immobilised in the UK then you are covered
for the following:-
Call out and 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 are unable to be
successfully carried out, we will pay the cost of recovery of the vehicle and
up to 4 passengers, to a single destination within the territorial limits as determined
in your selected level of cover.
Change
of Vehicle You are only covered for the vehicle registered at the start
of your membership, unless you have notified us in writing of a change of vehicle
prior to a breakdown. Change of address Home assistance (excludes motor
cycles) is only covered for the address registered at the start of your membership.
Please notify us in writing of any change of address. What is covered
Domestic Cars, larger vehicle & commercial vans please
click here and
Cover for any driver of the registered vehicle providing member has given
permission.
Up
to a maximum 5 callouts a year Wheel changes (providing you have a serviceable
spare tyre and wheel and a manufacturers key to remove locking wheel nuts).
What is not covered
Keys locked in vehicle Running out fuel, loss of keys, broken glass Vehicles
immersed in mud, snow sand, or water Any claim arising in first 48 hours of
start of membership Cost of any replacement parts or fuel A second use
of our services if no remedial action has been taken Toll charges, parking
charges, congestion charges, ferry charges Storage charges incurred during
or after breakdowns
Membership
does not include vehicles temporarily immobilised due to floods, snow effected
roads, sand or mud or situated in areas which we or our agents have no right of
access, or on a motor traders premises.
Membership
does not cover claims arising from the loss or damage to the contents of the vehicle Membership
does not cover consequential loss of any kind arising from the provision of, or
delay in providing the services to you, unless negligence on our part can be demonstrated.
Membership
does not cover assistance following a breakdown or accident attended by the police
or other emergency services until they have authorised the vehicle removal.
Membership
does not cover the cost of draining or removing contaminated fuel or other fluids Membership
does not cover any costs incurred as a result of you not carrying a serviceable
spare tyre or wheel for your vehicle, caravan or trailer.
Membership
does not cover any costs for locksmiths, glass replacement or tyre specialists.
You
must make all ordinary and reasonable precautions to prevent or minimise any loss,
damage or breakdown and to expedite the completion of repairs. Membership
does not cover any extra costs involved in the transportation of pets nor can
we accept responsibility for the transportations of pets, animals or livestock
carried by the member’s vehicle, we
offer you the option of resolving this by way of arbitration A
call out charge will be imposed if we are called out for the same fault within
90 days You
must not abandon your vehicle or any of its parts without our authorisation Lapsed
Memberships We do not accept any responsibility
for any breakdown or recovery situation where a member has allowed cover to lapse.
In the case of lapsed memberships we will arrange for attendance of the breakdown
services, but the member is responsible for the total cost of the services provided
with cost of the services being made at time of breakdown. The Control Centre
will also levy a £20.00 service fee. Change
of Vehicle
If a member requests a change of vehicle amendment
a membership service fee of £Nil will be charged. If a member
fails to advise a change of vehicle, cover for that vehicle will
be inoperative.
Unauthorised
Call Outs Should you breakdown and
arrange for a garage to attend the situation yourself for whatever reason you
will be responsible for all associated breakdown costs with no reimbursement.
Definitions We, Us, Our You, Your The person who has taken out
membership Vehicle The vehicle owned by you and declared to us, to include
any trailer or caravan attached to the vehicle at the time of the breakdown
Territorial limits 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 You or the driver must abide by the terms and conditions
of membership The vehicle must be maintained and kept in a roadworthy condition
in accordance with legal requirements. Motor Breakdown covers the vehicle
registered for any driver Cars, and motorcycles are eligible up to a maximum
2.5 tonne gross weight, 5.5 metres (18ft) in length, 2.3 metres (7ft 6 in) wide.
Important
notes We will always decide on the best possible way of offering assistance
after taking into account your individual circumstances We do not accept any
responsibility for the transportation of domestic animals or livestock within
the vehicle at the time of the breakdown.
A garage or mechanic carrying out repairs on your instruction will be acting as
your agent for such repairs.
This document is subject to English law
General exclusions
You are not covered for the following:-
Vehicles that have not been regularly serviced or breakdown as a result of
Inadequate repair/unsuccessful DIY, non-compliance of manufacturers recommendations
or any recurring fault 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 2.5 tonnes gross laden weight.
Any liability or consequential loss arising from act performed in the execution
of the breakdown services provided.
Vehicles not in a roadworthy condition immediately prior to any breakdown.
Vehicles
immersed in mud, snow, sand, or water. Any claim recoverable from any insurance
policy. Any fines or penalties imposed by courts. Any charges incurred
prior to notification of breakdown. The cost of any parts, components, lubricants
or materials, food, drinks, telephone calls, petrol or oil, or other incidental
expenses. Any claim where we have not been previously notified in writing
of a 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 the vehicle does
not have a serviceable spare tyre and 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 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.
Data Protection
The data supplied by you will be used for processing your membership, including
underwriting administration, and handling any claim which may arise. Sensitive
date such as credit card information is shredded immediately after application
completed. It
is important that the data supplied to us is kept up to date, please notify us
promptly of any changes.
You are entitled upon payment of an administration fee to inspect the personal
data which we are holding about you if you wish to make an inspection please contact
us at the above address.
We may respond to enquires by the police concerning your membership in the normal
course of their investigations. Where it is necessary to administer your membership
effectively, or to protect your interests, we may disclose the data you have supplied
to other third parties such as motor garages engineers, repairers, etc.
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