Breakdown Direct 301

<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 C - At Home
What is covered:
a). In the event that your vehicle is immobilised as a result of a breakdown, at or within one mile of your home, we will arrange and pay for a vehicle rescue operator to come to the place of 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 and pay for your vehicle together with the driver and up to six passengers to be taken to a suitable garage normally within 15 miles, for it to be repaired at your cost.
What is not covered:
a). 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:
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 C - At Home
What is covered:
a). In the event that your vehicle is immobilised as a result of a breakdown, at or within one mile of your home, we will arrange and pay for a vehicle rescue operator to come to the place of 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 and pay for your vehicle together with the driver and up to six passengers to be taken to a suitable garage normally within 15 miles, for it to be repaired at your cost.
What is not covered:
a). 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.

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

Motor Legal Cover
The cover detailed under this policy will only apply if it shown on your current Motoring Assistance Schedule.
If you are unlucky enough to have a motor accident it is essential to have expert legal representation and replacement vehicle whilst yours is off the road. We have arranged a legal expenses insurance policy so that you have all the help you need to make a claim for compensation against the person who caused the accident and to provide you with a vehicle whilst you await repairs. For example you may need to claim the cost of a hire car, your insurance excess, lost earnings or if you were not insured comprehensively, your repair costs.
If you or your passengers were injured it is essential that you have expert legal assistance to formulate a claim against the person to blame.
Covers up to £100,000
Up to £100,000 is available to meet your legal costs. As well as covering your own solicitors' and barristers' fees the cover extends to expert witnesses' and court fees. In civil cases your opponents' costs are covered if awarded against you.
European Travel
You are covered throughout the UK and Europe. See Territorial limit for the list of countries.
Demands And Needs Statement
Motor Legal Cover meets the demands and needs of Breakdown Direct.co.uk policyholders who wish to protect themselves against future legal costs following a
road traffic accident resulting in uninsured losses and/or bodily injury for which a claim is being brought against the person responsible for causing the road traffic accident.
How to make a claim
Following a motor accident you must immediately contact your motor insurer. Once you have informed your insurer of the incident, telephone us on 01206 366 500 and quote "Breakdown Direct" to enable us to deal with your uninsured loss and personal injury claim.
You should telephone us before you speak to any other solicitor or legal administrator as we only cover legal fees after we have accepted your claim and which are incurred by our nominated solicitor.
This cover is arranged for our clients by legal expenses insurance specialist Amicus Legal Ltd. The policy is underwritten by DAS Legal Expenses Insurance Company Ltd.
Meaning of Words
1. We, us, our
Amicus Legal Ltd, who administer this insurance on behalf of the underwriters.
2. You, your
The person who has taken out the Breakdown Direct.co.uk policy and for which the premium has been paid.
3. Insured person
You, and the passenger and driver who is or on the insured vehicle with your permission. Anyone claiming under this policy must have your agreement to
claim.
4. Insured vehicle
The vehicle declared to us as shown in the Breakdown Direct.co.uk policy schedule. It also includes any caravan or trailer attached to the insured vehicle at the time of the insured incident.
5. Representative
The lawyer, or other suitably qualified person, who has been appointed by us to act for the insured person in accordance with the terms of the policy.
6. Legal costs
All reasonable and necessary costs charged by the representative on a standard basis. Also the costs incurred by opponents in civil cases if an insured person has to pay them, or pays them with our agreement.
7. Territorial limit
Great Britain, Northern Ireland, Republic of Ireland, Channel Islands, Isle of Man, France (including Monaco), Germany, Italy (including San Marino and the Vatican City), Spain, Portugal, Belgium, Netherlands, Luxembourg, Denmark, Norway, Sweden, Finland, Switzerland (including Liechenstein), Austria, Greece, Andorra, Iceland, Gibraltar, Czech Republic, Slovakia and Hungary.
8. Period of insurance
The period shown in your Breakdown Direct.co.uk policy, such a period not to exceed 12 calendar months.
9. Underwriters
DAS Legal Expenses Insurance Company Ltd.
10. Insured incident
A road traffic accident which causes damage to the insured vehicle or to personal property in it; or causes the death of, or bodily injury to, the insured person while he or she is in or on the insured vehicle.
11. Date of occurrence
For civil claims, the date of occurrence is the date of the event which may lead to a claim. If there is more than one event arising at the same time or from the same cause, the date of occurrence is the date of the first of these events.
Cover
1. We agree to provide the insurance in this policy, as long as:
(a) the premium has been paid; and
(b) the insured incident is during the period of insurance; and
(c) any legal proceedings will be dealt with by a court, or other body which we agree to, in the territorial limit; and
(d) for civil claims, it is always more likely than not that the insured person will recover damages (or obtain any other legal remedy which we have agreed to); and
(e) the insured incident occurs in the territorial limit.
2. For all insured incidents, we will help in appealing or defending an appeal, as long as the insured person tells us within the time limits allowed, that they
want us to appeal. Before we pay the legal costs for appeals, we must agree that it is always more likely than not that the appeal will be successful.
3. We will only pay the legal costs charged by a representative appointed by us.
4. The most we will pay for all claims resulting from one or more events arising at the same time, or from the same cause, is £100,000.
INSURED INCIDENT
Following an insured incident we will negotiate to recover the insured person's uninsured losses and costs.
What Is Not Covered Under This Policy
1. Any claim reported to us more than 180 days after the date the insured person should have known about the insured incident.
2. Any legal costs that are incurred before we agree to pay them.
3. Any claim relating to a contract involving the insured vehicle.
4. The insured vehicle being used by anyone who does not have valid motor insurance.
5. Any claim caused by, contributed to or arising from:
(a) ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel;
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive or nuclear assembly, or nuclear part of it;
(c) war, invasion, foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, military force or coup; or
(d) pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.
6. Any disagreement with us or the underwriters, which is not otherwise dealt with under condition
7. Any legal action the insured person takes which we, or the representative have not agreed to, or where the insured person does anything that hinders us or the representative.
8. Any claim directly or indirectly caused by, or resulting from any device failing to recognise, interpret or process any date as its true calendar date.
9. Any claims relating to any illness or bodily injury that happens gradually, or is not caused by a specific or sudden accident.
10. Defending the insured person's legal rights, but defending a counter-claim is covered.
11. Apart from us or the underwriters, the insured person is the only person who may enforce all or any part of this policy and the rights and interests arising
from or connected with it. This means that the Contract (Rights of Third Parties) Act 1999 does not apply to the policy in relation to any third party rights or interest.
12. Any claim where, at the time of the insured incident, the insured person was disqualified from driving, or did not hold a licence to drive.
13. Any claim where the insured person's motor insurers repudiate the policy or refuse indemnity.
14. Any claim arising from racing, rallies, competitions or trials.
15. An application for Judicial Review.

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.