Churchill Advanced Rescue Service

Your right to cancel
If this cover does not meet your needs, please call us immediately on 0845 603 3550, or return all your documents within 14 days of receiving them to: Churchill Insurance Company Limited, Churchill Court, Westmoreland Road, Bromley, Kent, BR1 1DP. We will return any premium you have paid in full as long as you have not made any claims during that time. You must pay the full annual premium if you have made a claim during that time.

Personal cover
As well as the cover we have already described for your vehicle, you (and your husband or wife, or partner) will be entitled to the same level of cover when you are travelling in the UK in any other vehicle which is less than 16 years old.

Section A Churchill Breakdown Service (CBS)
If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
Roadside assistance
We will arrange for help by the roadside and, if necessary, transport to take your vehicle and any insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
If necessary, we will also pass on up to three phone messages to family members, friends or business associates to let them know about your travel delays.
We will provide these services, free of charge, including callout and up to 60 minutes labour for this roadside assistance.
Finishing your journey
If, following an incident, you need help to return home or complete a journey within the United Kingdom, we will arrange for the following, if available.
- For you and any insured people to continue your journey.
- Overnight hotel accommodation.
- To hire a replacement vehicle.
You must pay any costs involved.

Section D Churchill Homecall and Rescue Service (CHRS)
CHRS includes all the benefits of Sections A, B and C, plus the following.
- If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
Finishing your journey
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay for one of the following four options. You can decide which option you would like if it is available.
- We will transport the vehicle and any insured people to:
- your home;
- the original intended destination; or
- a repairer within 10 miles of the incident, your home or your original intended destination; whichever you prefer. This must be within the United Kingdom.
- We will pay for you to hire a self-drive rental vehicle of an equivalent level to your vehicle up to 1600cc, for a 24 hour period while your car is waiting for repairs.
- We will pay the cost for the insured people to either continue the journey or return to your home by our choice of transport. We will not pay more than £100 for this.
- We will pay for overnight bed-and-breakfast accommodation, but not alcoholic drinks, for one night in a local hotel while you are waiting for repairs to be completed. We will pay up to £40 for each insured person but not more than £240 for the incident. If necessary, we will also pay for one single standard-class rail ticket in the United Kingdom for you or any authorised driver to collect the vehicle after it is repaired, up to a limit of £150.

Section A Churchill Breakdown Service (CBS)
If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
Roadside assistance
We will arrange for help by the roadside and, if necessary, transport to take your vehicle and any insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
If necessary, we will also pass on up to three phone messages to family members, friends or business associates to let them know about your travel delays.
We will provide these services, free of charge, including callout and up to 60 minutes labour for this roadside assistance.

Section B Churchill Homecall Service (CHS)
CHS includes all the benefits of Section A, plus the following.
- If your vehicle has been in an incident in the UK, which happens within one quarter mile of your home, we will arrange the following.
Home rescue
If necessary, we will transport the vehicle and insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
We will provide these services, free of charge, including callout and up to 60 minutes labour.

Section D Churchill Homecall and Rescue Service (CHRS)
Finishing your journey
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay for one of the following four options. You can decide which option you would like if it is available.
- We will pay for you to hire a self-drive rental vehicle of an equivalent level to your vehicle up to 1600cc, for a 24 hour period while your car is waiting for repairs.

No call-out discount
If you do not call out Green Flag during the period of cover, we will reduce your renewal premium according to the scale that applies at the time. Each time you call out Green Flag, your No Callout Discount will be reduced by one year.
If you reach the maximum level of discount, you can make one callout in a three-year period without your No Callout Discount being reduced. For each extra callout you make, your discount will reduce by one year.

Section C Churchill Rescue Service (CRS)
CRS includes all the benefits of Section A, plus the following.
- If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
National recovery
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay to transport
the vehicle and insured people to:
- your home;
- the original intended destination; or
- a repairer within 10 miles of the incident, your home or your original intended destination; whichever you prefer. This must be within the United Kingdom.

Section D Churchill Homecall and Rescue Service (CHRS)
Finishing your journey
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay for one of the following four options. You can decide which option you would like if it is available.
- We will pay for you to hire a self-drive rental vehicle of an equivalent level to your vehicle up to 1600cc, for a 24 hour period while your car is waiting for repairs.

Section A Churchill Breakdown Service (CBS)
If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
Roadside assistance
We will arrange for help by the roadside and, if necessary, transport to take your vehicle and any insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
If necessary, we will also pass on up to three phone messages to family members, friends or business associates to let them know about your travel delays.
We will provide these services, free of charge, including callout and up to 60 minutes labour for this roadside assistance.
Finishing your journey
If, following an incident, you need help to return home or complete a journey within the United Kingdom, we will arrange for the following, if available.
- For you and any insured people to continue your journey.
- Overnight hotel accommodation.
- To hire a replacement vehicle.
You must pay any costs involved.

Section C Churchill Rescue Service (CRS)
CRS includes all the benefits of Section A, plus the following.
- If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
National recovery
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay to transport
the vehicle and insured people to:
- your home;
- the original intended destination; or
- a repairer within 10 miles of the incident, your home or your original intended destination; whichever you prefer. This must be within the United Kingdom.

Incident - when the vehicle cannot be driven as a result of breakdown, accident (but not a road traffic accident), theft or attempted theft, malicious damage, fire or attempted fire, flat tyre, lack of fuel, flat battery, or lost or broken car keys.

Section B Churchill Homecall Service (CHS)
CHS includes all the benefits of Section A, plus the following.
- If your vehicle has been in an incident in the UK, which happens within one quarter mile of your home, we will arrange the following.
Home rescue
If necessary, we will transport the vehicle and insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
We will provide these services, free of charge, including callout and up to 60 minutes' labour.

Section A Churchill Breakdown Service (CBS)
If your vehicle has been in an incident in the UK, which happens at least one quarter mile from your home, we will arrange the following.
Roadside assistance
We will arrange for help by the roadside and, if necessary, transport to take your vehicle and any insured people to:
- a single destination you choose within 10 miles of the incident; or
- a repairer within 10 miles of the incident.
If necessary, we will also pass on up to three phone messages to family members, friends or business associates to let them know about your travel delays.
We will provide these services, free of charge, including callout and up to 60 minutes labour for this roadside assistance.

Caravan and trailer cover
Your caravan or trailer will have the same cover as your vehicle when you are towing it using your vehicle as long as the caravan or trailer:
- meets the standards of the Motor Vehicles (Constructions and Use) Regulations 1986, as amended or replaced;
- fits a standard 50 millimetre tow ball;
- is not more than 7 metres long, 2.25 metres wide and 3 metres high and does not weigh more than 3,500 kilograms including any load;
- does not weigh more than the kerb weight of your vehicle when loaded; and
- is made by a company specialising in making caravans or trailers.

Incident - when the vehicle cannot be driven as a result of breakdown, accident (but not a road traffic accident), theft or attempted theft, malicious damage, fire or attempted fire, flat tyre, lack of fuel, flat battery, or lost or broken car keys.

General conditions
11 We can provide assistance after a road traffic accident but you will be responsible for any costs involved.You may be able to recover these costs from your motor insurer.

Section D Churchill Homecall and Rescue Service (CHRS)
Finishing your journey
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay for one of the following four options. You can decide which option you would like if it is available.
- We will pay for overnight bed-and-breakfast accommodation, but not alcoholic drinks, for one night in a local hotel while you are waiting for repairs to be completed. We will pay up to £40 for each insured person but not more than £240 for the incident.

Incident - when the vehicle cannot be driven as a result of breakdown, accident (but not a road traffic accident), theft or attempted theft, malicious damage, fire or attempted fire, flat tyre, lack of fuel, flat battery, or lost or broken car keys.

Section D Churchill Homecall and Rescue Service (CHRS)
Finishing your journey
If it is clear that repairs cannot be carried out by our service provider or the nearest suitable repairer by the end of the normal working day when the incident takes place, we will arrange and pay for one of the following four options. You can decide which option you would like if it is available.
- We will pay the cost for the insured people to either continue the journey or return to your home by our choice of transport. We will not pay more than £100 for this.

Finishing your journey
If, following an incident, you need help to return home or complete a journey within the United Kingdom, we will arrange for the following, if available.
- For you and any insured people to continue your journey.
- Overnight hotel accommodation.
- To hire a replacement vehicle.
You must pay any costs involved.

Providing a chauffeur
If your only driver cannot drive because of an illness or injury, we will arrange a chauffeur to take the insured people, and the vehicle and your luggage, to your destination in the United Kingdom.

If necessary, we will also pass on up to three phone messages to family members, friends or business associates to let them know about your travel delays.
We will provide these services, free of charge, including callout and up to 60 minutes labour for this roadside assistance.

Incident - when the vehicle cannot be driven as a result of breakdown, accident (but not a road traffic accident), theft or attempted theft, malicious damage, fire or attempted fire, flat tyre, lack of fuel, flat battery, or lost or broken car keys.
Exclusions
14 Damage or costs as a result of breaking into your vehicle because your keys have been lost or stolen.

General conditions
If the recovery or repair vehicle does not arrive within 60 minutes of you contacting us, we will pay £10. To claim compensation you must either fill in a service questionnaire or write to us.

Section E Churchill Advanced Rescue Service (CARS)
Loss of use of vehicle - If, at any time during your trip, you cannot use your vehicle because:
- of an incident within the geographical limits and we reasonably believe that the vehicle will be out of use for more than eight hours; or
- your vehicle has been stolen within the geographical limits and not received within eight hours;
We will organise and pay for the reasonable costs of one of the following. (This will depend on whether the options are available.)
- Taking the insured people and their luggage to your original intended destination, within the geographical limits, and then returning you to the vehicle after it has been repaired or recovered.
- Accommodation, including one meal a day (but not alcoholic drinks), for the insured people while the vehicle is being repaired up to £45 a day for each person for up to five days.
- Up to £750 towards the cost of hiring another vehicle while your vehicle cannot be used.

Section E Churchill Advanced Rescue Service (CARS)
Loss of use of vehicle - If, at any time during your trip, you cannot use your vehicle because:
- of an incident within the geographical limits and we reasonably believe that the vehicle will be out of use for more than eight hours; or
- your vehicle has been stolen within the geographical limits and not received within eight hours;
We will organise and pay for the reasonable costs of one of the following. (This will depend on whether the options are available.)
- Taking the insured people and their luggage to your original intended destination, within the geographical limits, and then returning you to the vehicle after it has been repaired or recovered.
- Accommodation, including one meal a day (but not alcoholic drinks), for the insured people while the vehicle is being repaired up to £45 a day for each person for up to five days.
- Up to £750 towards the cost of hiring another vehicle while your vehicle cannot be used.

Section E Churchill Advanced Rescue Service (CARS)
Legal defence expenses - As long as you let us know within 28 days of receiving a summons from a country in the geographical limits, we will pay up to £10,000 of the legal costs you have to pay to defend yourself in a court inside the geographical limits against an alleged motoring offence involving your vehicle during a trip.
We will not cover:
- alleged speeding offenses, when no other offence is involved;
- defending an alleged offence when there is no reasonable chance of affecting the outcome of the prosecution;
- costs or expenses you agree to without getting our authorisation;
- your travelling and living expenses; or
- fines awarded against you.
Bail - We can provide up to £4,000 to allow you or the insured person to provide bail or security to release you from custody. You must pay this back to us within three months.

Section E Churchill Advanced Rescue Service (CARS)
Returning your vehicle to the United Kingdom -
If your vehicle is repaired before you are due to return to the United Kingdom, you will be responsible for returning your vehicle to the United Kingdom at your own cost and for all other costs involved.
If your vehicle cannot be repaired before you are due to return to the United Kingdom, or the vehicle is stolen outside the United Kingdom and not recovered until after you have returned to the United Kingdom, we will choose and pay for one or both of the following.
- The reasonable cost of taking the insured people and their luggage to your home in the United Kingdom by a route and method we choose. We will also pay for the vehicle to be taken to your home or to an appropriate repairer you choose in the United Kingdom.
- If you have to leave the vehicle abroad, we will pay the cost of one standard-class single ticket by rail or sea (or by air if the train or boat journey would be longer than 12 hours) for you or a driver you choose to collect the vehicle. We will decide which form of transport you will use. We will also pay any necessary and reasonable expenses on the outward journey for one person collecting the vehicle, including accommodation and Green Card charges.
We will pay any necessary charges, up to £100, for storing the vehicle abroad before it is repaired, sent home or legally abandoned.
The most we will pay to get your vehicle home will be its current market value in the United Kingdom.
You must use any travel tickets you have not used to get your vehicle back home before we will provide any alternatives under this section.