Insurance Choice IC Breakdown - Silver
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.
 |  Compare Insurance Choice IC Breakdown - Silver details directly with other breakdown cover or compare breakdown cover using our breakdown cover comparison tables. | ||
| Company: | Insurance Choice www.insurancechoice.co.uk | ||
| Product: | IC Breakdown - Silver | ||
| Quote via this site: |  | ||
| 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: | 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 Travel: | No | ||
| Average Call-out Time: | 39minutes. | ||
| Discounts | |||
| Online Discount: | 0 | ||
| Max NCD (%): | Not applicable | ||
| Premiums | |||
| Rating Method: | The premiums are flat rated. | ||
| Single Online Discount: | 0% | ||
| Single Prem One-Off (£): | £49.00 | ||
| Vehicle Online Discount: | 0% | ||
| Vehicle Prem One-Off (£): | £49.00 | ||
| 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: | 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; | ||
| 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: | 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. | ||
| 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: -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). Before you arrange emergency travel or hotel accommodation, 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. | ||
| UK Emergency Theft: | No cover | ||
| Public Transport (£): | 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; | ||
| Taxi Fare from Garage: | No cover | ||
| UK Replacement Driver: | No cover | ||
| Pre-Travel Helpline: | No cover | ||
| 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: | No cover | ||
| Compare | |||
| Products: | www.insurancechoice.co.uk Breakdown Cover | ||
