Insurance Choice IC Breakdown - Gold

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.

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 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.

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
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.

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;

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).
2 If the vehicle is out of use for a period of more than 8 hours as a result of a breakdown or due to death, injury or serious illness of the only available driver, we will refund the following costs and expenses as long as they are as a direct result of the breakdown or illness and are paid immediately after the breakdown or illness. (In the case of illness a Doctor's report will be required).
a) The cost of recovery of the vehicle to the nearest garage or railway.
b) The cost of storage of the vehicle at a garage up to £100.
c) Freight costs to obtain any replacement part that is not available locally.
d) The cost of one of the following:
i. Hiring one replacement vehicle up to £70 per day and £750 in total. (A garage report will be required).
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.
iii.Second-class rail fares so that you and your party can finish your journey or return home.
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. (We will not pay any amount for meals or drinks.
f) The cost of recovering the vehicle to your home if it cannot be repaired before your planned return date or costs incurred in travelling from your home or holiday location to the scene of the breakdown to collect the vehicle after repair. (Such cost must not be more than economy class airfare plus miscellaneous additional expenses not exceeding £50).
g) The cost of emergency repairs to secure the vehicle in the event that it is damaged by attempted theft or break-in up to a maximum of £100 (a police report will be required).
h) The cost of hiring a replacement vehicle up to £150 if your vehicle is still out of use when you return to the United Kingdom.
Exceptions:
1 This section does not cover:
a) Breakdowns due to lack of petrol, oil, water or frost damage or the use of the vehicle for racing, pace-making, or being in any contest or speed trial or any rigorous reliability testing.
b) The cost of any repair apart from repairs covered under Sub-section 1.
c) The cost of spare parts or emergency windscreens.
d) Expenses incurred in ordering incorrect replacement parts where this is due to insufficient or wrong information being given by you or;
e) The cost of returning hired vehicle to the hire company.
2 If the vehicle suffers damage and it is considered to be a write-off (the cost of repairs are greater than the market value of the vehicle) sub-section 3.f) will not apply where the vehicle has comprehensive motor insurance. Where the vehicle is subject to third party insurance, cover will be limited to the market value of the vehicle. If this situation arises, we reserve the right to conduct negotiations direct with the motor insurers.

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 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.

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.

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;

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
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.

IC Breakdown Services in the UK
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.

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.

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.

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).

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;

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.

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 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).

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).

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.

European Service
d) The cost of one of the following:
i) Hiring one replacement vehicle up to £70 per day and £750 in total. (A garage report will be required).

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).

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. (We will not pay any amount for meals or drinks).