Green Flag Motoring Assistance - EuroPlus

Vehicle:
Any vehicle we have agreed to cover and which is shown on the Motoring Assistance Schedule or, where Personal Cover applies, any vehicle you or your spouse or common law partner are travelling in, provided it:
- Does not exceed (including any load carried)the following gross vehicle weight and dimensions: 3,500kg in weight, 7m in length, 3m in height and 2.25m in width.

Vehicle:
Any vehicle we have agreed to cover and which is shown on the Motoring Assistance Schedule or, where Personal Cover applies, any vehicle you or your spouse or common law partner are travelling in, provided it:
- Does not exceed (including any load carried)the following gross vehicle weight and dimensions: 3,500kg in weight, 7m in length, 3m in height and 2.25m in width.

Vehicle:
Any vehicle we have agreed to cover and which is shown on the Motoring Assistance Schedule or, where Personal Cover applies, any vehicle you or your spouse or common law partner are travelling in, provided it:
- Does not exceed (including any load carried)the following gross vehicle weight and dimensions: 3,500kg in weight, 7m in length, 3m in height and 2.25m in width.

Section A - Rescue
What is covered:
Following an incident occurring at least 1/4 mile from either the Policyholder's home address or the place where the vehicle is usually kept, we will:
Arrange for roadside assistance and, if necessary, transportation of the vehicle to either a single destination of your choice within 10 miles of the incident or to a suitable repairer in the vicinity of the incident.
Transport you and any passengers that are in the vehicle at the time of the incident to the chosen destination.
Pay the cost of providing these services, including call out and up to one hour 's labour for roadside assistance.
Please remember
All other labour charges and the cost of replacement parts and/or other materials are your responsibility.
You are responsible for instructing the garage to carry out any repairs.
If there is no suitable repairer in the vicinity an additional mileage charge may be made.
This service cannot be used if the vehicle has broken down or is unroadworthy when cover was taken out.
Recovery cannot be used as a way of avoiding repair costs.
What is not covered:
Labour charges in excess of those for one hour's roadside assistance.
The cost of any parts and/or materials used.
The cost of supplying a spare wheel and tyre if a serviceable one cannot be provided by you.
The cost of,if needed, a locksmith or a bodyglass or tyre specialist.
Anything mentioned in the General Exclusions.

Section B -Rescue Plus
What is covered:
Following an incident occurring less than one mile from either the Policyholder's home address or where the vehicle is usually kept, you may:
Use the services detailed under Section A - Rescue.
Please remember
This level of cover will not be effective until the day after you have arranged this cover for the first time.

Section C - Recovery
What is covered:
All the benefits under Section A, and, if it is apparent to us or the chosen repairer that repairs cannot be effected by the repairer by the end of the working day, we will arrange and pay for the transportation of you, the vehicle and any passengers to your choice of:
The Policyholder's home address; or
The original destination within the UK; or
A suitable repairer in the vicinity of the incident, the Policyholder's home address or original destination.
If some form of medical certification can be shown and there are no passengers who can drive the vehicle, this service may also be used in the event of the driver being declared medically unfit to drive.
We may choose to recover the vehicle by providing a qualified driver.
Please remember
This level of cover will not be effective until the day after you have arranged this cover for the first time.
What is not covered:
Recovery within one 1/4 mile of either your home address or the address where the vehicle is usually kept, unless you are entitled to the services detailed under Section B - Rescue Plus.
Onward transportation following a period of hospitalisation.
Any costs where we have not been contacted at the time of the incident.
Anything mentioned in the General Exclusions.

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.
Motoring legal advice
During the period of cover you may call our Legal Advice line on 0845 246 1689 for practical legal advice on any motoring legal problem.
Please remember
A hire car is provided subject to you meeting the conditions of the hirer. Any claims involving the hire of a replacement car must have our prior approval.
We cannot guarantee to provide a vehicle with a roof rack or tow bar.
This level of cover will not be effective until the day after you have arranged this cover for the first time.
What is not covered:
- Any costs where we have not been contacted at the time of the incident.
- Car hire not authorised by us.
- Car hire following an incident occurring at home.
- Car hire in the event of the vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of fuel and oil use in any replacement car and/or any additional insurance offered by the replacement car hirers.
- Anything mentioned in the General Exclusions .

Section B - Rescue Plus
What is covered:
Following an incident occurring less than 1/4 mile from either the Policyholder 's home address or where the vehicle is usually kept, you may:
Use the services detailed under Section A -Rescue.
Please remember
This level of cover will not be effective until the day after you have arranged this cover for the first time.

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.

Section E -EuroPlus
What is covered:
In addition to all the services and benefits supplied under sections A-D of this booklet, those detailed in the separate Green Flag Motoring Assistance in Europe section will apply.
Please remember
This level of cover may only be taken where the vehicle to be covered is less than 16 years of age.
Personal Cover
What is covered:
If shown on your Motoring Assistance Schedule, the highest level of cover purchased will be extended to apply when you and/or your spouse or partner is/are driving with the owner's permission or travelling in any private eligible vehicle which is less than 16 years of age and which does not exceed the weight and size limitations as set out under the meaning of 'Vehicle' in the 'Meanings of Words 'section. We reserve the right to request proof of identification before providing service under this cover. This cover is only available for incidents that occur in the UK.

No Callout Discount
Subject to no call out being made, your renewal premium will be discounted automatically each year according to the scale effective at the time. For each call out you make, the amount of discount will be reduced by 1 year's worth. Once you have reached a maximum level of discount, you may make 1 call out in a 3 year period without the discount being affected. Each subsequent call out will reduce the discount by 1 year's worth.

Section C - Recovery
What is covered:
All the benefits under Section A, and, if it is apparent to us or the chosen repairer that repairs cannot be effected by the repairer by the end of the working day, we will arrange and pay for the transportation of you, the vehicle and any passengers to your choice of:
The Policyholder's home address; or
The original destination within the UK; or
A suitable repairer in the vicinity of the incident, the Policyholder's home address or original destination.

Vehicle:
Any vehicle we have agreed to cover and which is shown on the Motoring Assistance Schedule or,where Personal Cover applies, any vehicle you or your spouse or common law partner are travelling in, provided it:
Is either; a car, light van, motorised caravan, estate car, motorcycle or 4x4 off-road vehicle, privately registered in the United Kingdom.
Carries no more than the number of persons recommended by the manufacturer (and for whom seats are provided) with a maximum of 8 persons including the driver.

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.

Section A - Rescue
What is covered:
Following an incident occurring at least 1/4 mile from either the Policyholder's home address or the place where the vehicle is usually kept, we will:
Arrange for roadside assistance and, if necessary, transportation of the vehicle to either a single destination of your choice within 10 miles of the incident or to a suitable repairer in the vicinity of the incident.

Incident: Immobilisation of the vehicle as a result of breakdown, fire, theft or attempted theft, malicious damage, accidental damage, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK during the Period of Cover.
What is not covered
The cost of supplying a spare wheel and tyre if a serviceable one cannot be provided by you .

Section B - Rescue Plus
What is covered:
Following an incident occurring less than a quarter mile from either the Policyholder 's home address or where the vehicle is usually kept, you may:
Use the services detailed under Section A -Rescue.
Please remember
This level of cover will not be effective until the day after you have arranged this cover for the first time.

Section B - Rescue Plus
What is covered:
Following an incident occurring less than one mile from either the Policyholder 's home address or where the vehicle is usually kept, you may:
Use the services detailed under Section A -Rescue.
Please remember
This level of cover will not be effective until the day after you have arranged this cover for the first time.

Section D - Recovery Plus
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.

Vehicle:
Any vehicle we have agreed to cover and which is shown on the Motoring Assistance Schedule or,where Personal Cover applies, any vehicle you or your spouse or common law partner are travelling in, provided it:
Is a caravan or trailer of standard make that meets The Motor Vehicles (Construction and Use) Regulations 1978, is fitted with a standard 50mm tow ball, falls within the size and weight restrictions above and is being towed by the insured vehicle at the time of the incident.

Incident: Immobilisation of the vehicle as a result of breakdown, fire, theft or attempted theft, malicious damage, accidental damage, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK during the Period of Cover.
What is not covered
The cost of any parts and/or materials used.

Incident:
Immobilisation of the vehicle as a result of breakdown, fire, theft or attempted theft, malicious damage, accidental damage(but not a road traffic accident),flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK during Cover.

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.
Motoring legal advice
During the period of cover you may call our Legal Advice line on 0845 246 1689 for practical legal advice on any motoring legal problem.
Please remember
A hire car is provided subject to you meeting the conditions of the hirer. Any claims involving the hire of a replacement car must have our prior approval.
We cannot guarantee to provide a vehicle with a roof rack or tow bar.
This level of cover will not be effective until the day after you have arranged this cover for the first time.
What is not covered:
- Any costs where we have not been contacted at the time of the incident.
- Car hire not authorised by us.
- Car hire following an incident occurring at home.
- Car hire in the event of the vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of fuel and oil use in any replacement car and/or any additional insurance offered by the replacement car hirers.
- Anything mentioned in the General Exclusions .

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.

Section D - Recovery Plus
What is covered:
All the benefits under Sections A, B and C and, if it is apparent that repairs cannot be effected by the repairer by the end of the working day; or
if the vehicle has been stolen and is not recovered in a roadworthy condition the same day,and provided you have not elected to be recovered under Section C - Recovery, we will arrange and pay for your choice of:
- Where available, a elf-drive hire car of an equivalent level up to a maximum of 1600cc, for a continuous 48 hour period whilst your car is awaiting repairs up to a maximum of £100; or
- The cost for you and any passenger to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum of £100; or
- Overnight bed and breakfast accommodation (excluding alcohol) for you and any passenger in a local hotel whilst awaiting repairs, provided that the incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum of £150 per person or £500 per incident.
If necessary, we will also pay for one single standard class rail ticket for the Policyholder or any authorised driver to collect the vehicle following repair.
We will relay up to 3 telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.
Motoring legal advice
During the period of cover you may call our Legal Advice line on 0845 246 1689 for practical legal advice on any motoring legal problem.
Please remember
A hire car is provided subject to you meeting the conditions of the hirer. Any claims involving the hire of a replacement car must have our prior approval.
We cannot guarantee to provide a vehicle with a roof rack or tow bar.
This level of cover will not be effective until the day after you have arranged this cover for the first time.
What is not covered:
- Any costs where we have not been contacted at the time of the incident.
- Car hire not authorised by us.
- Car hire following an incident occurring at home.
- Car hire in the event of the vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of fuel and oil use in any replacement car and/or any additional insurance offered by the replacement car hirers.
- Anything mentioned in the General Exclusions .

Section C - Recovery
What is covered:
All the benefits under Section A, and, if it is apparent to us or the chosen repairer that repairs cannot be effected by the repairer by the end of the working day, we will arrange and pay for the transportation of you, the vehicle and any passengers to your choice of:
The Policyholder's home address; or
The original destination within the UK; or
A suitable repairer in the vicinity of the incident, the Policyholder's home address or original destination.
If some form of medical certification can be shown and there are no passengers who can drive the vehicle, this service may also be used in the event of the driver being declared medically unfit to drive.
We may choose to recover the vehicle by providing a qualified driver.

Section C - Recovery
What is covered:
All the benefits under Section A, and, if it is apparent to us or the chosen repairer that repairs cannot be effected by the repairer by the end of the working day, we will arrange and pay for the transportation of you, the vehicle and any passengers to your choice of:
The Policyholder's home address; or
The original destination within the UK; or
A suitable repairer in the vicinity of the incident, the Policyholder's home address or original destination.
If some form of medical certification can be shown and there are no passengers who can drive the vehicle, this service may also be used in the event of the driver being declared medically unfit to drive.
We may choose to recover the vehicle by providing a qualified driver.

Section A - Rescue
We will relay telephone messages to your family members, friends or business associates to advise of unforeseen travel delays.

Incident: Immobilisation of the vehicle as a result of breakdown, fire, theft or attempted theft, malicious damage, accidental damage, flat tyre, lack of fuel, flat battery, loss or breakage of vehicle keys, occurring within the UK during the Period of Cover.
What is not covered
The cost of, if needed, a locksmith or a bodyglass or tyre specialist.

Personal Cover
What is covered:
If shown on your Motoring Assistance Schedule, the highest level of cover purchased will be extended to apply when you and/or your spouse or partner is/are driving with the owner's permission or travelling in any private eligible vehicle which is less than 16 years of age and which does not exceed the weight and size limitations as set out under the meaning of 'Vehicle' in the 'Meanings of Words 'section. We reserve the right to request proof of identification before providing service under this cover. This cover is only available for incidents that occur in the UK.

Section E2 -Roadside Assistance
What is covered:
Following an incident occurring during the trip we will:
- Arrange for roadside assistance and towing to the nearest suitable repairer.
- Pay for these services up to a maximum of £250.
Please remember
A garage or specialist undertaking repair work (other than at the roadside)will be acting as your agent for such repair work.
What is not covered:
- Charges for any labour not incurred at the roadside.
- The cost of replacement parts or other materials.

Section E2 -Roadside Assistance
What is covered:
Following an incident occurring during the trip we will:
- Arrange for roadside assistance and towing to the nearest suitable repairer.
- Pay for these services up to a maximum of £250.
Please remember
A garage or specialist undertaking repair work (other than at the roadside)will be acting as your agent for such repair work.
What is not covered:
- Charges for any labour not incurred at the roadside.
- The cost of replacement parts or other materials.

Section E4 -Break In
What is covered:
In the event of a theft (or attempted theft) of the vehicle or the contents contained in the vehicle during the trip, we will pay up to a maximum of £175 for immediate emergency repairs and/or replacement parts, which are necessary to place the vehicle in a secure condition to continue the trip.
Please remember
You must obtain a Police report within 24 hours of the incident giving rise to the claim.
What is not covered:
- Damage to paintwork or other cosmetic items.
- Costs incurred following your return home.

Section E5 -Vehicle Out of Use
What is covered:
If the vehicle is lost, immobilised or rendered unroadworthy during a trip as a result of fire, theft, accidental damage or breakdown and repairs cannot be effected within 24 hours, we will arrange and pay for one of the following:
The additional cost of transporting you, with your luggage, to your destination by alternative transport, or
The immediate hire of a replacement car, where available, whilst the vehicle remains unserviceable, up to a maximum of £800, or
Overnight bed and breakfast accommodation (excluding alcohol) in a local hotel for you and any passenger whilst awaiting completion of repairs, up to £150 per person with a maximum limit of £500 in total, provided that such cost is additional to or in excess of any planned accommodation costs payable by you, had loss of use of the vehicle not occurred.
Please remember
-A hire car is provided subject to you meeting the conditions of the hirer. Any claims involving the hire of a replacement car must have our prior approval.
-It is your responsibility to collect the hire car.
-We cannot guarantee to provide a car with a roof rack or tow bar.
-Hire cars provided within the Geographical Limits must stay in the country where they were hired.
-If you have to pay for the services locally, you will be reimbursed provided you obtained approval from us before incurring the expenditure.
What is not covered:
The cost of fuel and oil used in any replacement car and/or any additional insurance offered by the replacement car hirers.
The cost of any Personal Accident insurance or other benefit not specifically covered under this section.
Costs arising as the result of an incident occurring during a trip but incurred outside the period of that trip.

Section E8 -Repatriation
What is covered:
Following an incident occurring during the trip we will pay:
- The cost of transporting you, with your luggage, to your home address in the country of departure if the vehicle cannot be and could not have been repaired (or, in the case of theft, has not been recovered in a roadworthy condition)by the intended time of your return home. The means of transport to be used shall be at our discretion.
- The cost of transporting the vehicle to your home address in the country of departure if repairs cannot be carried out abroad (or the vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of your return home. We will pay for necessary garage storage costs and costs of transportation and delivery, including any additional shipping costs. Or, when agreed in advance by us, the cost of one person to travel to the location of the vehicle by public transport to drive the repaired vehicle to the home address in the country of departure.
Once you have been repatriated by us and if we are transporting your vehicle to the country of departure:
- We will reimburse you for up to 7 days necessary alternative travel costs you incur while you await delivery of the vehicle.
- We will pay the cost of such travel up to a maximum of £75 in total for you and any passengers.
- This benefit will cease after 7 days or when we deliver the vehicle to your home address or to the repairer designated by you (whichever is the sooner).
- You must keep all receipt and invoices for the travel you have incurred, and send these to us with our claim form.

Section E2 -Roadside Assistance
What is covered:
Following an incident occurring during the trip we will:
- Arrange for roadside assistance and towing to the nearest suitable repairer.
- Pay for these services up to a maximum of £250.
Please remember
A garage or specialist undertaking repair work (other than at the roadside)will be acting as your agent for such repair work.
What is not covered:
- Charges for any labour not incurred at the roadside.
- The cost of replacement parts or other materials.

Section E1 -Cover Prior to Departure
What is covered:
Following an incident occurring during the 7 days immediately preceding the arranged date of departure, we will pay up to a maximum of £800 towards:
- The hire of a replacement car, where available, for the purpose of carrying out the original trip, in the event that the vehicle, if stolen, is not recovered before the arranged date of departure, or the vehicle cannot be repaired within 24 hours following the booked time of departure for the trip.
- The additional cost of re-booking any sea crossing or rail journey via the Channel Tunnel missed as a result of the incident giving rise to a claim (or, where the original route is unavailable, the nearest suitable alternative sea crossing or rail journey via the Channel Tunnel), in the event that the vehicle is repaired within 24 hours of the original time of the planned departure for the trip.
Please remember
Any claim involving the hire of a replacement car must have our prior approval.
You must contact us as soon as you know your vehicle may be unavailable for the planned trip.

Section E5 -Vehicle Out of Use
What is covered:
If an incident occurs during the trip and repairs cannot be effected within 24 hours, we will arrange and pay for one of the following:
- The additional cost of transporting you, with your luggage, to your destination by alternative transport, or
- The immediate hire of a replacement car, where available, whilst the vehicle remains unserviceable, up to a maximum of £800, or
- Overnight bed and breakfast accommodation (excluding alcohol) in a local hotel for you and any passenger whilst awaiting completion of repairs, up to £150 per person with a maximum limit of £500 in total, provided that such cost is additional to or in excess of any planned accommodation costs payable by you, had loss of use of the vehicle not occurred.
Please remember
A hire car is provided subject to you meeting the conditions of the hirer. Any claims involving the hire of a replacement car must have our prior approval.
We cannot guarantee to provide a car with a roof rack or tow bar.
Hire cars provided within the Geographical Limits must stay in the country where they were hired.
If you have to pay for the services locally, you will be reimbursed provided you obtained approval from us before incurring the expenditure.
What is not covered:
- The cost of fuel and oil used in any replacement car and/or any additional insurance offered by the replacement car hirers.
- The cost of any Personal Accident insurance or other benefit not specifically covered under this section.
- Costs arising as the result of an incident occurring during a trip but incurred outside the period of that trip.

Section E9 - Legal Protection
Meanings of Words
In respect of this section, only the definitions You and Your replace those on page 5 of this booklet.
Costs - the professional fees and expenses the solicitor reasonably and necessarily charges. They also cover your opponents costs which you are ordered to pay by a court and other costs we agree in writing.
You or Your - The Policyholder, any authorised driver and passengers in the vehicle at the time of the incident.
TELEPHONE ADVICE
From the commencement of the trip and up to 7 days after completion of the trip, you may call our Legal Advice line on 0845 246 1689 for practical United Kingdom legal advice on any legal problem in connection with your trip.
What is covered
Legal Defence
Providing you notify us within 28 days of receiving a summons, we will pay up to £1,000 in respect of costs incurred in defending you in a Court outside the country of departure against an alleged motoring offence involving the vehicle during the trip.
Death or Bodily Injury
Following any road traffic accident involving your car which is not your fault, we will pay the costs up to a maximum of £10,000 to negotiate your legal rights in pursuing a civil action for compensation and to help you in appealing or defending an appeal following your sustaining bodily injury or death during your trip.
- tell us immediately if anyone offers to settle the claim.
- not negotiate or agree to settle a claim without our approval.
- tell the solicitors to have legal costs taxed assessed or audited, if we ask.
- take every step to recover legal costs that we have to pay and you must pay us any legal costs that are recovered.
2 Appointing a Solicitor
- If we agree to start legal proceedings or if there is a conflict of interest you can choose a solicitor by sending us the solicitors name and address. We may choose not to accept this choice of a solicitor but only in exceptional circumstances.
- The solicitor will be appointed to act for you according to our standard terms of appointment. (You can ask us for a copy)
- You must not enter into any agreement relating to charges with the solicitor without getting our permission first.
- If a solicitor refuses to continue acting for you, or if you dismiss them, your cover will end immediately unless we agree to appoint another solicitor.
3 Disputes
You have the right to refer any disagreement between you and us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person you and we agree on. If we cannot agree, the arbitrator will be chosen by the president of the Law Society (or other similar organisation) whose law governs this section of the policy. We and you must keep to the arbitrators decision. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration.
You may also refer any disagreement between you and us to the Financial Ombudsman Service. This service is free of charge.
4 We Can:
- take over and conduct in your name any claim or legal proceedings at any time before a solicitor is appointed.
- negotiate any claim on your behalf.
- decide to settle your claim by paying the amount in dispute.
- refuse to pay further costs if you do not accept a reasonable offer to settle your claim.
- contact the solicitor at any time, and he or she must co-operate fully with us at all times.

Section E6 - Camping Trips
What is covered:
If the tent you are carrying with you,and using in the course of the trip as your principal overnight accommodation, is rendered unserviceable through theft or accidental damage we will arrange and pay for:
If practicable, the hiring of a suitable tent, where available, for the remainder of the period of the trip, or
Emergency bed and breakfast only expenses (excluding alcohol) over and above those planned for you and any passenger, up to £150 in total per person, with a maximum limit of £500.
What is not covered:
Any expenses incurred as a result of adverse weather conditions which do not actually damage the tent so as to render it unserviceable.
Loss of use of any tent you are not carrying on the trip with you or which belongs to a tour operator or holiday company. Any damage caused by a dog or dogs accompanying you on the trip.