Breakdown Direct 201

< 11 Years

Section F - GENERAL CONDITIONS applying to all parts of this policy
21. Breakdown Direct may cancel this policy by giving you fourteen days notice by recorded delivery to your last known UK address. If we do this we will refund any unused part of your premium as long as you have not made a claim during the period of cover. During the fourteen days 'cooling off' period after the initial purchase, you may cancel your policy and your premium will be refunded in full providing you have not made a claim or used the service. After the fourteen day 'cooling off' period you have the right to cancel this policy and obtain a full refund at any time during the period of cover if you are unhappy with the breakdown service provided by our vehicle recovery operators. You will need to complete a service questionnaire before we can process your refund. This does not affect your statutory rights.

Section A - Roadside assistance in the UK
What is covered:
a). If your vehicle is immobilised as a result of a breakdown, we will arrange and pay for a vehicle rescue operator to come to the place of the breakdown for up to one hour in order to try and restore the vehicle's mobility.
b). If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
a). Nationwide Recovery Service
For your vehicle together with the driver and up to six passengers to be taken to your intended destination or home anywhere in the UK and then at your request, for your vehicle to be taken to a garage of your choice within 15 miles during one complete journey, for it to be repaired at your cost.
b). Overnight Accommodation
Bed and Breakfast expenses for one night only, limited to a maximum of £40 per person (£160 for your whole party).
c). 24 Hour UK Hire Vehicle.
A hire vehicle of up to 1100cc for a period not exceeding 24 hours. You will be responsible for the return of the vehicle and the collection of your repaired vehicle.
Please note: We will choose the most appropriate solution from one of the above options.
d). Emergency Driver within the UK
If, during the journey, the driver suffers accidental bodily injury or illness, which means that he or she cannot drive and there is no one else, able or qualified to drive the vehicle, we will provide, and pay for, a driver to complete the journey or return the vehicle and passengers to the intended destination. You will need to provide some form of medical certification before we provide this benefit.
Please remember that this level of cover (Section B - Recovery in the UK) does not begin until the day after you have arranged cover for the first time.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section A - Roadside assistance in the UK
What is covered:
b) If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
c). 24 Hour UK Hire Vehicle.
A hire vehicle of up to 1100cc for a period not exceeding 24 hours. You will be responsible for the return of the vehicle and the collection of your repaired vehicle.
Please note: We will choose the most appropriate solution from one of the above options.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
a). Nationwide Recovery Service
For your vehicle together with the driver and up to six passengers to be taken to your intended destination or home anywhere in the UK and then at your request, for your vehicle to be taken to a garage of your choice within 15 miles during one complete journey, for it to be repaired at your cost.

Section A - Roadside assistance in the UK
What is covered:
b) If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
c). 24 Hour UK Hire Vehicle.
A hire vehicle of up to 1100cc for a period not exceeding 24 hours. You will be responsible for the return of the vehicle and the collection of your repaired vehicle.
Please note: We will choose the most appropriate solution from one of the above options.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section A - Roadside assistance in the UK
What is covered:
a). If your vehicle is immobilised as a result of a breakdown, we will arrange and pay for a vehicle rescue operator to come to the place of the breakdown for up to one hour in order to try and restore the vehicle's mobility.
b). If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section A - Roadside assistance in the UK
What is covered:
b) If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.

Breakdown
Immobilisation of the vehicle as a result of mechanical breakdown, accident, act of vandalism, fire or attempted/recovered theft, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK ( or Western European territorial limits if the appropriate premium has been paid) during the period of cover.

Section A - Roadside assistance in the UK
What is covered:
a). If your vehicle is immobilised as a result of a breakdown, we will arrange and pay for a vehicle rescue operator to come to the place of the breakdown for up to one hour in order to try and restore the vehicle's mobility.
b). If your vehicle cannot be made roadworthy at the place of breakdown, we will arrange for your vehicle together with the driver and up to six passengers to be taken to a suitable local garage normally within 15 miles, for it to be repaired at your cost.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Breakdown
Immobilisation of the vehicle as a result of mechanical breakdown, accident, act of vandalism, fire or attempted/recovered theft, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK ( or Western European territorial limits if the appropriate premium has been paid) during the period of cover.

Breakdown
Immobilisation of the vehicle as a result of mechanical breakdown, accident, act of vandalism, fire or attempted/recovered theft, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK ( or Western European territorial limits if the appropriate premium has been paid) during the period of cover.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
b). Overnight Accommodation
Bed and Breakfast expenses for one night only, limited to a maximum of £40 per person (£160 for your whole party).
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Breakdown
Immobilisation of the vehicle as a result of mechanical breakdown, accident, act of vandalism, fire or attempted/recovered theft, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK ( or Western European territorial limits if the appropriate premium has been paid) during the period of cover.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
d). Emergency Driver within the UK
If, during the journey, the driver suffers accidental bodily injury or illness, which means that he or she cannot drive and there is no one else, able or qualified to drive the vehicle, we will provide, and pay for, a driver to complete the journey or return the vehicle and passengers to the intended destination. You will need to provide some form of medical certification before we provide this benefit.
Please remember that this level of cover (Section B - Recovery in the UK) does not begin until the day after you have arranged cover for the first time.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Section B - Nationwide Recovery in the UK
What is covered:
If your vehicle cannot be made roadworthy at the place of the breakdown, and cannot be repaired the same day at a suitable local garage, we will arrange and pay for any one of the following:
d). Emergency Driver within the UK
If, during the journey, the driver suffers accidental bodily injury or illness, which means that he or she cannot drive and there is no one else, able or qualified to drive the vehicle, we will provide, and pay for, a driver to complete the journey or return the vehicle and passengers to the intended destination. You will need to provide some form of medical certification before we provide this benefit.
Please remember that this level of cover (Section B - Recovery in the UK) does not begin until the day after you have arranged cover for the first time.
What is not covered:
a). A breakdown at or within a one-mile radius of your home.
b). Anything mentioned in the general exclusions.

Motoring Legal Advice
The cover in this section will only apply if it is shown on your current Motoring Assistance Schedule.
How to get advice
For advice by telephone on general motoring legal problems, 24 hours a day, 365 days a year telephone (01206) 366500 and quote "Breakdown Direct". Telephone calls may be monitored and recorded in the interests of customer service and for training purposes. This service is provided on our behalf by Amicus Legal Ltd, The Old Exchange, 64 West Stockwell Street, Colchester, CO11HE

Key Protection Cover
The cover detailed under this policy will only apply if it is shown on your current Motoring Assistance Schedule.
This policy is underwritten by Inter Partner Assistance who are a wholly owned subsidiary of AXA Assistance and are part of the worldwide AXA Group. AXA Assistance operates the claims helpline and the policy is administered by Breakdown Direct as an agent for the Insurer. This insurance is effected in England and is subject to the Laws of England and Wales.
Meaning of Words
Wherever the following words and phrases appear in bold in this document and certificate of insurance they will always have these meanings:
We/Us/Our
Inter Partner Assistance, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. Registered No: FC008998.
Keys/Locks
Keys for the vehicle specified in your Motoring Assistance Schedule.
Period of Cover
This is the period to which the insurance applies and is stated on your Motoring Assistance Schedule
You/Your
The policyholder or any person driving with your permission in the insured vehicle.
Cover
In the event of any of the Insured Incidents during the period of cover, we will reimburse you up to the limits stated and will assist with the arrangements for replacing your keys and locks or vehicle hire.
Policy Limit
The total amount payable in respect of each Insured Incident and in total for all Insured Incidents in any one year is £350 including VAT.
Insured Incidents
1. If your vehicle keys are lost or stolen denying you access or use of your vehicle, you must report this to AXA Assistance who will arrange for a suitable contractor to attend the scene in order to help resolve the problem. Any replacement locks or keys approved by AXA Assistance and call out charges will be reimbursed subject to the policy limits.
2. If your keys are locked in your vehicle or broken in any lock of your vehicle denying you access or use of your vehicle, you must report this event to AXA Assistance who will arrange for a suitable contractor to attend the scene and pay for the cost of a replacement key and the call out charge (to a maximum of £30 including VAT) up to the policy limit.
3. If you are stranded more than 20 miles from home by theft or loss of your vehicle keys and have no access to your vehicle we will pay £30.00 per day including VAT for vehicle hire or any other alternative transportation agreed by us, for up to 3 days. AXA Assistance must be notified of the circumstances and car hire arranged through them.
General Conditions
1. All lost or stolen keys or keys broken in a lock must be reported to AXA Assistance on 0800 3895424 within 48 hours of the incident quoting your policy number.
2. You may be required to provide proof of vehicle ownership or that you are driving with the owner's permission.
3. If you claim under this policy for something that is also covered by another insurance policy, you must provide us with full details of the other insurance policy. We will only reimburse you our rateable proportion of the claim.
4. You must take reasonable care to avoid anything which may result in a claim under the policy.
5. The parties to this insurance are you and us and any person or company who is not party to this insurance policy has no right under the Contracts (Right of Third Parties) Act 1999 to enforce any term of this insurance policy but this does not affect any right or remedy of a third party that exist or is available apart from that Act.
6.The cancellation provisions for this insurance policy are governed by the same terms as your vehicle breakdown cover. Please refer to Section F, clause 21 on page 5 of your policy document.
General Exclusions
1. All costs incurred where you have not notified AXA Assistance within 48 hours of the incident.
2. Any claim for replacing locks when only parts need changing.
3. Any claim for damage to locks by wear and tear, mechanical or electrical breakdown, cleaning, repairing, restoring or anything which happens gradually.
4. Any claim for damage to locks by attempted theft or malicious damage.
5. Any claim for loss or damage caused by any act of war, invasion or revolution.
Geographical Limits
This policy is only in effect within the boundaries of the United Kingdom (UK).
Fraud
All cover under this insurance is forfeited if a fraudulent claim is made.