Insure & Go Roadside, Recovery, Doortsep & European

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SECTION 17 - CANCELLATION PROVISIONS
Right to return the insurance document: You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is the later. We will refund to You any premium You have paid.
Cancellation by the Policyholder: If You subsequently give notice in writing or by telephone to Us to cancel this policy, such cancellation shall take effect on the date the notice is received or on the date specified in the notice, whichever is the later. No return of premium will be made.
Cancellation by Us: We may give 14 days notice of cancellation of this policy by recorded delivery letter to You at Your last known address.
Premium position upon cancellation by Us: If premium has been paid for any period beyond the date of cancellation of this insurance, the relevant pro-rata portion of this premium will be refunded to You. If however, an incident has arisen during the Period of Insurance which has or will give rise to a claim, then no refund will be made.

ELIGIBLE VEHICLES : Vehicles under 10 years old (or 15 years old if the appropriate additional premium has been paid) at date of inception, owned by or the responsibility of the Policyholder or his / her immediate family:-
-being cars; motorised caravans; motorcycles; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;
-not used by You for Hire or Reward;
-registered in the UK Area;
-in good roadworthy condition; maintained and operated in accordance with the manufacturer's recommendations and holds a current valid MOT certificate if applicable;
-each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m, height 3m, width 2.25m;
-carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

ELIGIBLE VEHICLES : Vehicles under 10 years old (or 15 years old if the appropriate additional premium has been paid) at date of inception, owned by or the responsibility of the Policyholder or his / her immediate family:-
-being cars; motorised caravans; motorcycles; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;
-not used by You for Hire or Reward;
-registered in the UK Area;
-in good roadworthy condition; maintained and operated in accordance with the manufacturer's recommendations and holds a current valid MOT certificate if applicable;
-each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m, height 3m, width 2.25m;
-carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

ELIGIBLE VEHICLES : Vehicles under 10 years old (or 15 years old if the appropriate additional premium has been paid) at date of inception, owned by or the responsibility of the Policyholder or his / her immediate family:-
-being cars; motorised caravans; motorcycles; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;
-not used by You for Hire or Reward;
-registered in the UK Area;
-in good roadworthy condition; maintained and operated in accordance with the manufacturer's recommendations and holds a current valid MOT certificate if applicable;
-each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m, height 3m, width 2.25m;
-carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

ELIGIBLE VEHICLES : Vehicles under 10 years old (or 15 years old if the appropriate additional premium has been paid) at date of inception, owned by or the responsibility of the Policyholder or his / her immediate family:-
-being cars; motorised caravans; motorcycles; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;
-not used by You for Hire or Reward;
-registered in the UK Area;
-in good roadworthy condition; maintained and operated in accordance with the manufacturer's recommendations and holds a current valid MOT certificate if applicable;
-each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m, height 3m, width 2.25m;
-carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

SECTION 1 - ROADSIDE & DOORSTEP ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.1 callout and up to one hour's labour for assistance at the Roadside;
OR
1.2 call out and up to one hours of labour for assistance within one mile of Your Home;
AND if necessary;
1.3 the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer. The choice of suitable repairer shall be at Our discretion. You will
be responsible for paying any costs which are not covered, directly to the repairer, the toll authority or the sea transit Carrier as appropriate.
What is not covered :
a) Roadside labour charges in excess of one hour.
b) any labour charges incurred at the repairers premises.
c) the cost of replacement parts or other materials used in the repair.
d) toll and sea transit charges for the Insured Vehicle.
e) any winching costs or the use of specialist off-highway recovery equipment .
f) more than six call-outs during each Period of Insurance.

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
i) to the Policyholder's home address. OR
ii) to the original destination within the Geographical Limits. OR
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.
What is not covered:
a) any costs which would have been incurred in the course of a journey, if the incident giving rise to a claim had not occurred.
b) toll and sea transit charges for the Insured Vehicle.
c) long-distance transport of the Insured Vehicle to the premises where the Insured Vehicle was purchased or previously repaired, solely to claim under a Warranty scheme, when a suitable alternative repairer is nearer to hand.
d) fines, parking charges and any congestion charges arising from use of a replacement vehicle.

SECTION 1 - ROADSIDE ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.1 callout and up to one hour's labour for assistance at the Roadside; OR
1.2 call out and up to one hours of labour for assistance within one mile of Your Home; AND if necessary;
1.3 the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer.
The choice of suitable repairer shall be at Our discretion. You will be responsible for paying any costs which are not covered, directly to the repairer, the toll authority or the sea transit Carrier as appropriate.

SECTION 1 - ROADSIDE & DOORSTEP ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.2 call out and up to one hours of labour for assistance within one mile of Your Home;

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
3.3 If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £100 in total for the following benefits:
i) A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge, but You remain responsible for the cost of any fuel used. You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and minimum driver age. They will also require sight of Your credit/charge card before releasing the vehicle to You. We will also pay for the cost of one single standard class rail ticket to enable the Insured Vehicle to be collected following repair. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this section.

PART B - EUROPEAN MOTORING ASSISTANCE
Cover applies as described in Sections 5 to 12, including Your direct journeys between home and Your port or international rail terminal.
Please remember that You will be asked to demonstrate that You are planning or undertaking a journey abroad, for example by quoting a Channel crossing or accommodation booking reference.
If, however, Your Trip is planned to exceed 31 consecutive days in length, then no cover at all will apply under this Policy in respect of that Trip and You will need to make alternative insurance arrangements.
Please also see Part C - Terms applying to all Sections.

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
i) to the Policyholder's home address. OR
ii) to the original destination within the Geographical Limits. OR
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.
GEOGRAPHICAL LIMITS:
Part A - UK Area comprising Great Britain, Northern Ireland and the Isle of Man. For Channel Islands residents, the Channel Islands are included in the UK Area for cover under Part A.

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
i) to the Policyholder's home address. OR
ii) to the original destination within the Geographical Limits. OR
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
3.3 If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £100 in total for the following benefits:
i) A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge, but You remain responsible for the cost of any fuel used. You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and minimum driver age. They will also require sight of Your credit/charge card before releasing the vehicle to You. We will also pay for the cost of one single standard class rail ticket to enable the Insured Vehicle to be collected following repair. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this section.

INSURED INCIDENT : Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of Insurance within the Geographical Limits. In the case of key breakage, keys locked within Your Insured Vehicle, lack of fuel, the use of incorrect fuel, flat tyre, or
puncture, We would pay for the Roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, drainage of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.
Please note: If We are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be insured, and assistance shall be provided on the basis laid down in Section 4

SECTION 1 - ROADSIDE & DOORSTEP ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.2 call out and up to one hours of labour for assistance within one mile of Your Home;

SECTION 1 - ROADSIDE & DOORSTEP ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.2 call out and up to one hours of labour for assistance within one mile of Your Home;

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
3.3 If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £100 in total for the following benefits:
ii) The cost for the Insured Person(s) to either continue the journey or return home within the Geographical Limits by public transport. The means of such public transport shall be at Our discretion. We will also pay for the cost of one single standard class rail ticket to enable the Insured Vehicle to be collected following repair.

ELIGIBLE VEHICLES : Vehicles under 10 years old (or 15 years old if the appropriate additional premium has been paid) at date of inception, owned by or the responsibility of the Policyholder or his / her immediate family:-
- Being cars; motorised caravans; motorcycles; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;

INSURED INCIDENT : Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of Insurance within the Geographical Limits. In the case of key breakage, keys locked within Your Insured Vehicle, lack of fuel, the use of incorrect fuel, flat tyre, or
puncture, We would pay for the Roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, drainage of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.
Please note: If We are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be insured, and assistance shall be provided on the basis laid down in Section 4

INSURED INCIDENT : Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of Insurance within the Geographical Limits. In the case of key breakage, keys locked within Your Insured Vehicle, lack of fuel, the use of incorrect fuel, flat tyre, or
puncture, We would pay for the Roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, drainage of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.
Please note: If We are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be insured, and assistance shall be provided on the basis laid down in Section 4

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
3.3 If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £100 in total for the following benefits:
iii) At Our discretion, the cost of providing necessary bed and breakfast overnight accommodation for the Insured Person(s) in a local hotel whilst awaiting repairs, when the Insured Incident has occurred at a late hour more than 25 miles from the Policyholder's home address shown on the confirmation letter.

INSURED INCIDENT : Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of Insurance within the Geographical Limits. In the case of key breakage, keys locked within Your Insured Vehicle, lack of fuel, the use of incorrect fuel, flat tyre, or
puncture, We would pay for the Roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, drainage of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.
Please note: If We are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be insured, and assistance shall be provided on the basis laid down in Section 4

SECTION 3 - VEHICLE RECOVERY / ONWARD TRANSPORTATION
The cover shown under this section is only included if the appropriate premium has been paid.
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
3.3 If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £100 in total for the following benefits:
ii) The cost for the Insured Person(s) to either continue the journey or return home within the Geographical Limits by public transport. The means of such public transport shall be at Our discretion. We will also pay for the cost of one single standard class rail ticket to enable the Insured Vehicle to be collected following repair.

SECTION 4 - MEDICAL TRANSFER & GENERAL ASSISTANCE
You may telephone Our 24-hour emergency centre in connection with the following:
4.1 Emergency medical transfer of the Insured Person hospitalised away from home, in the course of a journey within the UK Area in the Insured Vehicle.
We will organise medical transfer as appropriate, but You will be responsible for paying any costs and expenses incurred in such transfer.
4.2 Any motoring-related problem which is not an Insured Incident covered under Section 1 and/or Section 3. We will organise callout of a repairer to render assistance, but the Policyholder will be responsible for paying, directly to the repairer:
- all callout and labour costs, which will be based on Our nationally negotiated scale of charges;
- the cost of replacement parts or other materials used in the repair.

SECTION 2 - MESSAGE RELAY
If We have been contacted in connection with an Insured Incident, We will relay up to two telephone messages to Your family members, friends or business associates to advise of unforeseen travel delays.

INSURED INCIDENT : Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of Insurance within the Geographical Limits. In the case of key breakage, keys locked within Your Insured Vehicle, lack of fuel, the use of incorrect fuel, flat tyre, or
puncture, We would pay for the Roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, drainage of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.
Please note: If We are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be insured, and assistance shall be provided on the basis laid down in Section 4
.

SECTION 6 - ROADSIDE ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for Roadside assistance and, if necessary, the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer.
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:
a) labour charges in excess of £50.
b) charges for any labour not incurred at the Roadside.
c) the cost of replacement parts or other materials.
d) Trips solely within the UK Area.
e) any winching costs or the use of specialist off-highway recovery equipment.

SECTION 6 - ROADSIDE ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for Roadside assistance and, if necessary, the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer.
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:
a) labour charges in excess of £50.
b) charges for any labour not incurred at the Roadside.
c) the cost of replacement parts or other materials.
d) Trips solely within the UK Area.
e) any winching costs or the use of specialist off-highway recovery equipment.

SECTION 8 - BREAK-IN
In the event of a theft (or attempted theft) of the Insured Vehicle or the contents contained in the Insured Vehicle during the Trip, We will pay up to £175 in total under this Policy, for immediate emergency repairs and/or replacement parts, which are necessary to place the Insured Vehicle in a secure condition to continue the Trip. You must obtain a Police Report within 24 hours of the incident giving rise to a claim.
What is not covered:
a) damage to paintwork or other cosmetic items.
b) costs incurred following Your return home.
c) Trips solely within the UK Area.

SECTION 9 - VEHICLE OUT OF USE
If the Insured 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 pay up to a maximum of £750 in total under this Policy for:
-the additional cost of transporting You, with Your luggage, to Your destination by public transport OR
-for the immediate hire of a replacement vehicle, where and when obtainable whilst the Insured Vehicle remains unserviceable. We will pay for the rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this section. OR ALTERNATIVELY
-cost of local overnight hotel accommodation while You wait for repairs to be completed. We will pay Bed & Breakfast only costs up to a maximum of £125 per Insured
Person within the overall limit for this Section, on condition that this cost is additional to, or in excess of, any accommodation costs You had planned to pay if the loss of use of the Insured Vehicle had not occurred.
What is not covered:
a) the cost of fuel and oil used in any replacement vehicle.
b) the cost of any optional Personal Accident insurance or other benefit not specifically covered under this Policy.
c) costs incurred outside the period of the Trip.
d) fines, parking charges and any congestion charges arising from use of a replacement vehicle.
e) Trips solely within the UK Area.

SECTION 11 - REPATRIATION
If the Insured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, We will pay:
11.1 The cost of transporting You, with Your hand luggage and valuables, to Your Home in the UK Area if the Insured 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 employed shall be at Our discretion and subject to availability.
11.2 The cost of transporting the Insured Vehicle to Your Home or repairer in the UK Area if repairs cannot be carried out abroad (or the Insured Vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of Your return home.
11.3 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, We will pay the cost of one person to travel to the location of the Insured Vehicle by public transport to drive the repaired vehicle to Your Home in the UK Area. The maximum We will pay under this Policy to repatriate the Insured Vehicle will be limited to its current market value in the UK Area. Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK Area, and when You confirm to Us that these repairs will be put in hand. If You are repatriated by Us, We will pay the cost of transporting Your personal possessions, other than hand luggage and valuables, to Your Home either together with or separately from the Insured Vehicle. If a replacement vehicle has been provided, once the vehicle has returned to the Policyholders Home within the UK Area, it will no
longer be covered irrespective of whether the original Insured Vehicle is still in the process of repatriation.
What is not covered :
a) repatriation of vehicle occupants injured in an accident involving the Insured Vehicle.
b) Trips solely within the UK Area.

SECTION 6 - ROADSIDE ASSISTANCE
If the Insured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for Roadside assistance and, if necessary, the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer.
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:
a) labour charges in excess of £50.
b) charges for any labour not incurred at the Roadside.
c) the cost of replacement parts or other materials.
d) Trips solely within the UK Area.
e) any winching costs or the use of specialist off-highway recovery equipment.

SECTION 5 - COVER PRIOR TO DEPARTURE
If the Insured Vehicle is lost, immobilised or rendered unroadworthy as a result of breakdown, accident, fire or theft occurring during the seven days immediately preceding Your arranged date of departure for a Trip, and it cannot be repaired or is not recovered prior to the arranged date of departure, We will pay up to £750 in total under this Policy to enable You to continue
Your originally planned Trip. We will pay for the following:
* The additional cost of rebooking any sea crossing 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).

SECTION 5 - COVER PRIOR TO DEPARTURE
If the Insured Vehicle is lost, immobilised or rendered unroadworthy as a result of breakdown, accident, fire or theft occurring during the seven days immediately preceding Your arranged date of departure for a Trip, and it cannot be repaired or is not recovered prior to the arranged date of departure, We will pay up to £750 in total under this Policy to enable You to continue Your originally planned Trip. We will pay for the following:
-The hire of a suitable replacement vehicle, where available, for the purpose of carrying out the original Trip (including rental charge, collision damage waiver and any necessary drop-off charge). OR
-The additional cost of rebooking any sea crossing 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).
Any claim involving the hire of a replacement vehicle must have Our prior approval. You must contact Us as soon as You know Your vehicle may be unavailable for the planned Trip. Your claim must be supported by a letter from a garage confirming:
- the regular maintenance and servicing of Your vehicle;
- precise details of the breakdown or damage;
- breakdown, when occurring, was sudden and unforeseen;
- repairs cannot be effected before the date planned for You to begin Your Trip.
What is not covered :
a) any claim resulting from breakdown, accident, fire or theft if You have purchased this cover less than TEN days before the planned date of departure of Your Trip.
b) any claim when actual or imminent breakdown of Your vehicle is discovered or diagnosed in the course of a service carried out less than TEN days prior to Your planned date of departure.
c) loss of use of a vehicle hired to You.
d) the cost of fuel and oil used in any replacement vehicle.
e) the cost of any Personal Accident insurance or other benefit not specifically covered under this policy.
f) fines, parking charges and any congestion charges arising from use of a replacement vehicle.
g) Trips solely within the UK Area.

SECTION 9 - VEHICLE OUT OF USE
If the Insured 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 pay up to a maximum of £750 in total under this Policy for:
-cost of local overnight hotel accommodation while You wait for repairs to be completed. We will pay Bed & Breakfast only costs up to a maximum of £125 per Insured
Person within the overall limit for this Section, on condition that this cost is additional to, or in excess of, any accommodation costs You had planned to pay if the loss of use of the Insured Vehicle had not occurred.
What is not covered:
a) the cost of fuel and oil used in any replacement vehicle.
b) the cost of any optional Personal Accident insurance or other benefit not specifically covered under this Policy.
c) costs incurred outside the period of the Trip.
d) fines, parking charges and any congestion charges arising from use of a replacement vehicle.
e) Trips solely within the UK Area.

SECTION 11 - REPATRIATION
If the Insured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, We will pay:
11.2 The cost of transporting the Insured Vehicle to Your Home or repairer in the UK Area if repairs cannot be carried out abroad (or the Insured Vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of Your return home.
What is not covered :
a) repatriation of vehicle occupants injured in an accident involving the Insured Vehicle.
b) Trips solely within the UK Area.