Insurance Choice IC Breakdown - Gold

Backed by one of the UK’s top 5 Largest Motor Insurers, Equity Red Star. 600,000 members, a network of over 1,250 Recovery Specialists with over 5,000 vehicles nationwide, who are all AVRO, (Association of Vehicle Recovery Operators), or RRRA, (Road Rescue Recovery Association) operators. Average response time is 39 minutes with priority shown for females and people in vulnerable positions. A UK Call Centre handles all emergency calls 24 hours a day 365 days a year.
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Company:Insurance Choice
www.insurancechoice.co.uk
Insurance Choice IC Breakdown - Gold
Product:IC Breakdown - Gold
 
Quote via this site:Quote
Application Criteria 
Availability:Stand alone
Cooling Off Period:
CANCELLATION
You can cancel this insurance policy at any time by sending us written notice and returning the schedule. If you cancel your policy within the 14-day withdrawal period, and before the commencement of the policy, we will refund the full premium, less a fee as described in our terms and conditions. If you cancel your policy within the 14-day withdrawal period, but after your policy has commenced, ERS will refund the part of the premium you have not used subject to a minimum premium of £15 plus IPT. We will make a charge of £10.00 for such instances also. If you cancel your policy after the 14 day withdrawal period there will be no refund of premium.
UK Max Vehicle Length:5.18 metres
UK Max Vehicle Weight:3.5 tonnes
Breakdown Details 
Rescue Service Provider:Equity Red Star
Underwriter:Equity Red Star
Cover Basis:Vehicle only
Joint Cover:No cover
Family Cover:No cover
Roadside Assistance:
Roadside Assistance
We will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to the nearest available garage.
Recovery:
Recovery Service
If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to any one place you choose.
Towing to Garage:
Roadside Assistance
We will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to the nearest available garage.
Home Service:
Home Service
If the vehicle breaks down at your home or within one mile of your home, we will arrange help and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will pay the reasonable cost of taking the vehicle to the nearest available garage.
Hire Car Benefit:No cover
European Travel:Standard
Average Call-out Time:39
Discounts 
Online Discount:0%
Max NCD (%):Not applicable
Premiums 
Rating Method:The premiums are flat rated.
Single Online Discount:0%
Single Prem One-Off (£):£69.00
Vehicle Online Discount:0%
Vehicle Prem One-Off (£):£69.00
Joint Online Discount:0%
Family Online Discount:0%
Vehicle Cover 
Recovery Distance:
Recovery Service
If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to any one place you choose.
Recovery Max Persons:
Recovery Service
If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to any one place you choose.
Max Towing Persons:
Roadside Assistance
We will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers, 17 in respect of Minibus & Taxi, from the place where the vehicle has broken down to the nearest available garage.
Hire Car Type:No cover
Max Assistance Time:Unlimited
Puncture Assistance:
Breakdown - mechanical or electrical breakdown (failures or breakages), flat batteries, punctures, lack of fuel, lost ignition keys or damage which is caused by an accident, vandalism or theft and results in you not being able to drive your vehicle.
Home Service Radius:
Home Service
If the vehicle breaks down at your home or within one mile of your home, we will arrange help and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will pay the reasonable cost of taking the vehicle to the nearest available garage.
Minimum Distance:If the vehicle cannot be driven as a result of a breakdown which occurs during the course of a journey and more than one mile from your home, we will provide the services shown on the schedule, as long as you have paid the appropriate premium. Details of each service are shown below.
UK Vehicle Collection:No cover
Caravan and Trailer:
Caravan and Trailer Service
If your vehicle breaks down, any attached caravan or small trailer will be entitled to the same service as the vehicle as long as it's attached to the vehicle by a standard 50 millimetre (2 inch) towing coupling.
Lack of Fuel:
Breakdown - mechanical or electrical breakdown (failures or breakages), flat batteries, punctures, lack of fuel, lost ignition keys or damage which is caused by an accident, vandalism or theft and results in you not being able to drive your vehicle.
RTA Cover:No cover
Other Cover 
UK Accommodation:
Emergency Travel or Accommodation
If the vehicle breaks down while it is more than 25 miles from your home, and it cannot be repaired at the roadside or at a garage during the same day, and is not recovered to your home or destination, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation. The most we will pay will be up to £160 for:
-Alternative road, rail or air travel or car hire to allow you and your party to reach your destination and return; or
-One night's hotel accommodation for you and up to 6 passengers, 17 in respect of Minibus & Taxi. (The amount we will refund will be for the rooms. We will not pay any amount for meals or drinks).
UK Emergency Theft:No cover
Public Transport (£):No cover
Taxi Fare from Garage:No cover
UK Replacement Driver:No cover
Pre-Travel Helpline:Yes
Hospitalisation Cover:No cover
Legal Helpline:No
Legal Expenses (£):No cover
Message Forwarding:
Message Service
If your vehicle breaks down and the Breakdown Control Centre arranges help, they can contact your family or colleagues to let them know about the situation.
Loss of Keys:
Key Service
If you have Gold or Motor Home cover the insurance will provide the benefits described below if your vehicle cannot be driven as a result of lost, stolen or broken keys. The most we will pay in any one year is £350. You will have cover for the following:
-If your vehicle cannot be driven because your keys are locked in your vehicle or broken in any vehicle lock we will arrange and pay for the cost of a replacement key and up to £40 for a call out charge.
-If you are stranded more than 25 miles from your home by the theft or loss of your vehicle keys and are unable to drive your vehicle we will pay up to £50 per day for alternative road, rail or air travel or car hire to allow you to reach your destination and return. Before you arrange emergency travel, you must call the Breakdown Control Centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts. If you wish to make a claim you must report the incident immediately to the Breakdown Control Centre. You may be required to provide proof of vehicle ownership or that you were driving with the owners permission.
This section does not cover:
-Any costs incurred where you have not notified the Control Centre immediately.
-The replacement of locks when only parts needed changing.
-Any failure, which results wholly or partly from the result of general wear, tear, mechanical or electrical breakdown, cleaning, repairing or restoring.
-Damage to locks by attempted theft or malicious damage.
European Cover 
Max Persons - EU:Unlimited
Call Out Fees - EU:
European Benefits
You will have cover for the following:
1 Miscellaneous costs incurred in arranging immediate emergency roadside help following a breakdown. The most we will pay will be £250 in any one-travel period. (The cost of replacement parts will not be covered).
Labour Charges - EU:
European Benefits
You will have cover for the following:
1 Miscellaneous costs incurred in arranging immediate emergency roadside help following a breakdown. The most we will pay will be £250 in any one-travel period. (The cost of replacement parts will not be covered).
Replacement Driver - EU:
European Service
d) The cost of one of the following:
ii) Hiring one chauffeur in the event of a serious illness of the only available driver in your party, up to £100 per day and £500 in total.
Emergency Theft Repair EU:No cover
Journey Continuation - EU:
European Service
d) The cost of one of the following:
i) Hiring one replacement vehicle up to £70 per day and £750 in total
Vehicle Collection - EU:No cover
Vehicle Recovery - EU:
European Benefits
You will have cover for the following:
1 Miscellaneous costs incurred in arranging immediate emergency roadside help following a breakdown. The most we will pay will be £250 in any one-travel period. (The cost of replacement parts will not be covered).
Vehicle Storage Cost - EU:European Service
b) The cost of storage of the vehicle at a garage up to £100
Customs Duty - EU:No cover
Missed Motorail/Ferry -EU:No cover
Pre-Departure Car Hire EU:No cover
Additional Accomm - EU:
European Service
e) Extra hotel accommodation costs for you and each member of your party up to £40 per person per day incurred during the journey to and from the holiday location up to a maximum of £750 in total.
Car Hire on Return - EU:European Service
h) The cost of hiring a replacement vehicle up to £150 if your vehicle is still out of use on return to the UK.
Emergency Funds - EU:No cover
Legal Fees - EU:No cover
Repatriation - Insured EU:No cover
Repatriation - Vehicle EU:No cover
Loss of Tent - EU:No cover
Compare 
Products:www.insurancechoice.co.uk Breakdown Cover
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