Norwich Union Direct Rescue

Your Cancellation rights
You have the right to cancel your policy during a period of 14 days after the later of the day of purchase of the contract or the day on which you receive your policy documentation. If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. If the cover has already commenced, you are outside the 14 day cooling off period and you wish to exercise your right to cancel, you will be entitled to credit for all unused full months remaining on the policy. You will not be entitled to a credit against future premiums if your policy is:
- paid over 12 monthly premiums; or
- paid over four monthly instalments unless all four have been paid at the time you cancel; or
- if you have used the service during the current period of cover.
To exercise your right to cancel, please contact Norwich Union Direct on 0800 068 3674.
If you do not exercise your right to cancel the policy it will continue in force and you will be required to pay the premium, as stated. If the policy has been paid up and the service has not been utilised, a credit will be paid in Rescue vouchers set out in the terms in Part 9 on Page 23 of this booklet.

Section 5 - Vehicle Specification
Norwich Union Rescue is available when you are travelling in a car, van or on a motorcycle which complies with the restrictions set out below:
Maximum Vehicle Weight Vehicle mass (GVM) - 3,500KG (3.5 Tonnes) gross
Vehicle Length - 5.5 Metres (18ft)
Maximum Vehicle Width - 2.3 Metres (7 ft 6 ins)
All restrictions above include any load carried.

Section 5 - Vehicle Specification
Norwich Union Rescue is available when you are travelling in a car, van or on a motorcycle which complies with the restrictions set out below:
Maximum Vehicle Weight Vehicle mass (GVM) - 3,500KG (3.5 Tonnes) gross
Vehicle Length - 5.5 Metres (18ft)
Maximum Vehicle Width - 2.3 Metres (7 ft 6 ins)
All restrictions above include any load carried.

Section 5 - Vehicle Specification
Norwich Union Rescue is available when you are travelling in a car, van or on a motorcycle which complies with the restrictions set out below:
Maximum Vehicle Weight Vehicle mass (GVM) - 3,500KG (3.5 Tonnes) gross
Vehicle Length - 5.5 Metres (18ft)
Maximum Vehicle Width - 2.3 Metres (7 ft 6 ins)
All restrictions above include any load carried.

Vehicle based cover
- This is our standard policy and provides breakdown cover for one specified vehicle, regardless of who is driving when the incident occurs. Vehicle based cover is also available as an option with Norwich Union car insurance.
Personal cover
- This covers you rather than any specific vehicle, and provides breakdown assistance for you in any car: whether youre the driver or the passenger (Non-commercial vehicles only, excluding certain vehicle types).
Joint personal cover
- This provides cover for you and your partner, or another named member of your household in any car, whether you are driving or a passenger.

Rescue
Rescue services are availble whilst travelling in the United Kingdom, and the Republic of Ireland.
If you have broken down on a public highway we will provide the following:
- A Norwich Union Rescue Patrol, RAC Patrol, or contractor to assist you.
- Labour at the roadside.
- If we are unable to repair your vehicle within a response time or if our patrolman considers the repairs unwise, we will transport your vehicle to a destination of your choice within 10 miles. If you have no preferred destination we will take your vehicle to a nearby garage.
- Transport for you and up to seven passengers to the above chosen destination. (if there are more than five people this may require two seperate vehicles. An adult from the covered vehicle must accompany any children.
- If you need to leave your vehicle at the garage we will reimburse you for taxi fares up to 20 miles (a receipt must be obtained)
What is not covered:
- Breakdowns within a quarter of a mile of your home or where you normally keep your vehicle.
-Towing following an accident, fire, theft, or act of vandalism or other incident normally covered by your motor insurance. If you call us for assistance following such an incident and you have Comprehensive motor insurance with Norwich Union we can arrange this for you. If you have Third party fire and theft cover with Norwich Union we can arrange this, but you may be charged for this service. If you motor insurance is not with Norwich Union and Norwich Union Rescue arrange recovery for you we will not be responsible for meeting the costs involved, and it is your responsibility to ensure that you properly comply with any requirements of your motor insurer in making a claim under your motor insurance policy. If Norwich Union Rescue agrees to arrange recovery you will be required to pay Norwich Union Rescue's or any attending garage's applicable charges.
- The cost of parts, fuel, or other supplies.
- Labour at any garage to which the vehicle is taken.
- Towing costs for the whole distance if you wish to be taken to a destination further than 10 miles.
- Any events not covered under General Exclusions (full details shown under Section 10)

Rescue
Rescue services are availble whilst travelling in the United Kingdom, and the Republic of Ireland.
If you have broken down on a public highway we will provide the following:
- If we are unable to repair your vehicle within a response time or if our patrolman considers the repairs unwise, we will transport your vehicle to a destination of your choice within 10 miles. If you have no preferred destination we will take your vehicle to a nearby garage.
- Transport for you and up to seven passengers to the above chosen destination. (if there are more than five people this may require two seperate vehicles. An adult from the covered vehicle must accompany any children.

The No calloutdiscount
Norwich Union rescue breakdown cover is not only unique in taking your individual circumstances into account - we also reduce your premium at renewal if you havent called us out!

Rescue
Rescue services are availble whilst travelling in the United Kingdom, and the Republic of Ireland.
If you have broken down on a public highway we will provide the following:
- If we are unable to repair your vehicle within a response time or if our patrolman considers the repairs unwise, we will transport your vehicle to a destination of your choice within 10 miles. If you have no preferred destination we will take your vehicle to a nearby garage.
- Transport for you and up to seven passengers to the above chosen destination. (if there are more than five people this may require two seperate vehicles. An adult from the covered vehicle must accompany any children.

Rescue
Rescue services are availble whilst travelling in the United Kingdom, and the Republic of Ireland.
If you have broken down on a public highway we will provide the following:
- If we are unable to repair your vehicle within a response time or if our patrolman considers the repairs unwise, we will transport your vehicle to a destination of your choice within 10 miles. If you have no preferred destination we will take your vehicle to a nearby garage.
- Transport for you and up to seven passengers to the above chosen destination. (if there are more than five people this may require two seperate vehicles. An adult from the covered vehicle must accompany any children.

Section 10 - Exclusions which apply to the Whole policy
Assistance in changing the wheel is only provided within your breakdown entitlement if you are carrying a serviceable spare wheel.

Caravans and trailers
The vehicle restrictions apply equally to caravans and trailers except that the maximum length of trailers and/or caravans must not exceed 7m. If the vehicle which has suffered a Breakdown is towing a caravan or trailer and We provide recovery, the caravan or trailer will be recovered together with the Vehicle to a single destination. Other than as set out above caravans and trailers are not covered by this Policy in the UK.

What is not covered:
- Breakdowns within a quarter of a mile of your home or where you normally keep your vehicle.
- Towing following an accident,fire,theft or act of vandalism or other incident normally covered by your motor insurance.If you call us for assistance following such an incident and you have Comprehensive motor insurance with Norwich Union we can arrange this for you.If you have Third party fire and theft cover with Norwich Union we can arrange this,but you may be charged for this service.
If your motor insurance is not with Norwich Union and Norwich union Rescue arrange recovery for you we will not be responsible for meeting the costs involved,and it is your responsibility to ensure that you properly comply with any requirements of your motor insurer in making a claim under your motor insurance policy.If Norwich Union Rescue agrees to arrange recovery you will be required to pay Norwich Union Rescue's or any attending garage's applicable charges .

Rescue
Rescue services are availble whilst travelling in the United Kingdom, and the Republic of Ireland.
If you have broken down on a public highway we will provide the following:
- If you need to leave your vehicle at the garage we will reimburse you for taxi fares up to 20 miles (a receipt must be obtained)

Terms and Conditions which apply to the whole policy
20. Your annual breakdown entitlement:
Depending on the cover option you have chosen, you have the right to call us out a number of times in each period of cover if your vehicle breaks down as follows:

Cover option chosen  Rescue only All other UK options
Vehicle     2   5
Personal    2   6
Joint Personal    3   7

You will have to pay an additional charge set by us for any additional call outs. This additional charge will be no less than £75 plus VAT. You will have to pay this additional charge by credit or debit card when you telephone us to request assistance.

Terms and Conditions which apply to the whole policy
20. Your annual breakdown entitlement:
You will have to pay an additional charge set by us for any additional call outs. This additional charge will be no less than £75 plus VAT. You will have to pay this additional charge by credit or debit card when you telephone us to request assistance.

What will we do to help you abroad?
Rescue and Recovery assistance
If you are travelling abroad and are stranded on a public highway through breakdown, road traffic accident or vandalism, we will arrange for a local breakdown service or garage to come out and try to repair your vehicle. If your vehicle cannot be repaired immediately it will be taken to the nearest garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your vehicle to enable you to continue your journey on the same day, or
- inspection fees to confirm your vehicle cannot be repaired by your return travel date.
Spare parts despatch
We will also pay for freight,handling and ancillary charges on despatch of spare part(s) not obtained locally, plus the fare for one person to collect part(s) from the appropriate railway station or airport.
Special condition
Our agent will despatch parts as quickly as possible but delays will occur at weekends and bank holidays. Once you have asked for parts from our control centre, you are responsible for paying for their full cost, even if you obtain them locally. We and our agents will not be responsible for manufacturer or supplier errors, loss or damage of parts in transit or any delay in delivery.
What is not covered:
- the cost of any parts used for repairs to your vehicle at the roadside or at a garage
- repair costs, including labour, if your vehicle was in a road traffic accident, damaged by fire or stolen
- the cost of any repairs to your vehicle which are not essential to the continuation of your journey on the same day
- any other costs not specified in this booklet

What will we do to help you abroad?
Rescue and Recovery assistance
If you are travelling abroad and are stranded on a public highway through breakdown, road traffic accident or vandalism, we will arrange for a local breakdown service or garage to come out and try to repair your vehicle. If your vehicle cannot be repaired immediately it will be taken to the nearest garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your vehicle to enable you to continue your journey on the same day, or
- inspection fees to confirm your vehicle cannot be repaired by your return travel date.
Spare parts despatch
We will also pay for freight,handling and ancillary charges on despatch of spare part(s) not obtained locally, plus the fare for one person to collect part(s) from the appropriate railway station or airport.
Special condition
Our agent will despatch parts as quickly as possible but delays will occur at weekends and bank holidays. Once you have asked for parts from our control centre, you are responsible for paying for their full cost, even if you obtain them locally. We and our agents will not be responsible for manufacturer or supplier errors, loss or damage of parts in transit or any delay in delivery.
What is not covered:
- the cost of any parts used for repairs to your vehicle at the roadside or at a garage
- repair costs, including labour, if your vehicle was in a road traffic accident, damaged by fire or stolen
- the cost of any repairs to your vehicle which are not essential to the continuation of your journey on the same day
- any other costs not specified in this booklet

What will we do to help you abroad?
Rescue and Recovery assistance
If you are travelling abroad and are stranded on a public highway through breakdown, road traffic accident or vandalism, we will arrange for a local breakdown service or garage to come out and try to repair your vehicle. If your vehicle cannot be repaired immediately it will be taken to the nearest garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your vehicle to enable you to continue your journey on the same day, or
- inspection fees to confirm your vehicle cannot be repaired by your return travel date.
Spare parts despatch
We will also pay for freight,handling and ancillary charges on despatch of spare part(s) not obtained locally, plus the fare for one person to collect part(s) from the appropriate railway station or airport.
Special condition
Our agent will despatch parts as quickly as possible but delays will occur at weekends and bank holidays. Once you have asked for parts from our control centre, you are responsible for paying for their full cost, even if you obtain them locally. We and our agents will not be responsible for manufacturer or supplier errors, loss or damage of parts in transit or any delay in delivery.
What is not covered:
- the cost of any parts used for repairs to your vehicle at the roadside or at a garage
- repair costs, including labour, if your vehicle was in a road traffic accident, damaged by fire or stolen
- the cost of any repairs to your vehicle which are not essential to the continuation of your journey on the same day
- any other costs not specified in this booklet

What will we do to help you abroad?
Replacement Driver
If a registered doctor declares the only qualified driver is medically unfit to drive, we will pay for the cost of a replacement driver to drive your vehicle and 5 passengers to your destination or home. Alternatively if a replacement driver is not available we will recover your vehicle and up to 5 passengers to your destination or home.
What is not covered:
the cost of a replacement driver or any other costs if any of your passengers are legally able to drive your vehicle.

What will we do to help you abroad?
Vehicle break-in
If the windows, windscreen or locks of your vehicle have been damaged by somebody trying to break into your vehicle and you have subsequently obtained a Police report, we will pay the cost of emergency repairs to make your vehicle secure again.
What is not covered:
the cost of repairs if they are not to make your vehicle secure and for the reason stated,
any event where you fail to obtain a Police report and submit this with your claim,
for property in or on your vehicle.

What will we do to help you abroad?
Onward travel benefits
If our control centre abroad confirms repairs to your vehicle will take more than 12 hours, if your vehicle is to be returned to the United Kingdom, or if your vehicle has been stolen and not recovered within 24 hours, we will arrange and pay for either of the following:
- Accommodation expenses up to £35 per person per day (up to a maximum of 4 days) for a room only.You will need to make your own hotel arrangements unless you are in France or Monaco as our control centre can then help you with this.
- Up to 14 days self-drive car hire (including collision damage waiver, delivery charge and Green Card if required), or we will pay for standard/second class rail, or both, so that you and up to 7 passengers are able to continue your journey or return home. Any hired vehicle cannot be brought into the United Kingdom. We will arrange for a second hire for the United Kingdom part of your journey. We will try to provide you with a hire car but this will not necessarily be the same as your vehicle. We are unable to hire utility vehicles, vans, motorised caravans, minibuses, motorcycles or cars with automatic gearboxes, towbars or roof racks. Car hire is subject to the normal Terms and Conditions of the hiring company and you will be required to give your credit card details to cover a refundable deposit and extras.The driver must also have held a full UK driving licence or equivalent for a minimum of one year (2 years for France).
If your vehicle is stolen or vandalised you must obtain a Police report.
What is not covered:
- the costs of any meals or any other hotel or extra costs
- petrol, oil
- personal insurance
- collection charge and any other costs with self-drive car hire other than those stated above
- first class rail fares.

What will we do to help you abroad?
Collection of your vehicle left abroad to be repaired
If repairs to your vehicle due to breakdown, fire or accident cannot be completed in time for your return home, we will pay the costs of one person to return abroad to collect your vehicle once the repairs have been made. We will pay for the following:
standard/second class rail fare plus other public transport fares.
petrol costs for your vehicle from where it has been collected to your home.
single homeward ferry fare for your vehicle and one person.
single room only hotel accommodation for one person limited to £35 if this is needed to complete the round trip.
What is not covered:
first class rail fares,
the cost of any meals,
any other costs.

What will we do to help you abroad?
Rescue and Recovery assistance
If you are travelling abroad and are stranded on a public highway through breakdown, road traffic accident or vandalism, we will arrange for a local breakdown service or garage to come out and try to repair your vehicle. If your vehicle cannot be repaired immediately it will be taken to the nearest garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your vehicle to enable you to continue your journey on the same day, or
- inspection fees to confirm your vehicle cannot be repaired by your return travel date.
Spare parts despatch
We will also pay for freight,handling and ancillary charges on despatch of spare part(s) not obtained locally, plus the fare for one person to collect part(s) from the appropriate railway station or airport.
Special condition
Our agent will despatch parts as quickly as possible but delays will occur at weekends and bank holidays. Once you have asked for parts from our control centre, you are responsible for paying for their full cost, even if you obtain them locally. We and our agents will not be responsible for manufacturer or supplier errors, loss or damage of parts in transit or any delay in delivery.
What is not covered:
- the cost of any parts used for repairs to your vehicle at the roadside or at a garage
- repair costs, including labour, if your vehicle was in a road traffic accident, damaged by fire or stolen
- the cost of any repairs to your vehicle which are not essential to the continuation of your journey on the same day
- any other costs not specified in this booklet

What will we do to help you abroad?
Customs claims indemnity
If your vehicle cannot be reasonably repaired as a result of fire or theft which has happened abroad during the journey and it has to be scrapped under Customs supervision in the country where it is situated, or it has been stolen abroad during the journey and has not been found,we will pay indemnity against Continental or Irish Customs claims for any liability for duty claimed.Please call our European Support Team on 08705 493 320 Monday to Friday 9am-5pm to claim for Customs Claims Indemnity.
What is not covered:
any import duties which do not relate to your vehicle.

What will we do to help you abroad?
Onward travel benefits
If our control centre abroad confirms repairs to your vehicle will take more than 12 hours, if your vehicle is to be returned to the United Kingdom, or if your vehicle has been stolen and not recovered within 24 hours, we will arrange and pay for either of the following:
- Accommodation expenses up to £35 per person per day (up to a maximum of 4 days) for a room only.You will need to make your own hotel arrangements unless you are in France or Monaco as our control centre can then help you with this.
- Up to 14 days self-drive car hire (including collision damage waiver, delivery charge and Green Card if required), or we will pay for standard/second class rail, or both, so that you and up to 7 passengers are able to continue your journey or return home. Any hired vehicle cannot be brought into the United Kingdom. We will arrange for a second hire for the United Kingdom part of your journey. We will try to provide you with a hire car but this will not necessarily be the same as your vehicle. We are unable to hire utility vehicles, vans, motorised caravans, minibuses, motorcycles or cars with automatic gearboxes, towbars or roof racks.
Car hire is subject to the normal Terms and Conditions of the hiring company and you will be required to give your credit card details to cover a refundable deposit and extras.The driver must also have held a full UK driving licence or equivalent for a minimum of one year (2 years for France).
If your vehicle is stolen or vandalised you must obtain a Police report.
What is not covered:
- the costs of any meals or any other hotel or extra costs
- petrol, oil
- personal insurance
- collection charge and any other costs with self-drive car hire other than those stated above
- first class rail fares.

What will we do to help you abroad?
Replacement vehicle on your return home
If you are waiting for your vehicle to be returned from abroad under the terms of this policy, we will pay up to £250 for self-drive car hire including collision-damage waiver.
Please call our European Support team on 08705 493 320 Monday to Friday 9am -5pm to claim for this service.
What is not covered:
fuel, oil, personal insurance and any other costs,
self-drive car hire after your vehicle is returned to your chosen address in the United Kingdom,
self-drive car hire if you or a person chosen by you is collecting your vehicle from abroad after it has been repaired.

What will we do to help you abroad?
Onward travel benefits
If our control centre abroad confirms repairs to your vehicle will take more than 12 hours, if your vehicle is to be returned to the United Kingdom, or if your vehicle has been stolen and not recovered within 24 hours, we will arrange and pay for either of the following:
- Accommodation expenses up to £35 per person per day (up to a maximum of 4 days) for a room only.You will need to make your own hotel arrangements unless you are in France or Monaco as our control centre can then help you with this.
- Up to 14 days self-drive car hire (including collision damage waiver, delivery charge and Green Card if required), or we will pay for standard/second class rail, or both, so that you and up to 7 passengers are able to continue your journey or return home. Any hired vehicle cannot be brought into the United Kingdom. We will arrange for a second hire for the United Kingdom part of your journey. We will try to provide you with a hire car but this will not necessarily be the same as your vehicle. We are unable to hire utility vehicles, vans, motorised caravans, minibuses, motorcycles or cars with automatic gearboxes, towbars or roof racks.

What will we do to help you abroad?
Returning your car to the United Kingdom
We will pay the costs of returning your vehicle by road transporter from abroad to your home or chosen repairer in the United Kingdom. If the vehicle is a write-off , we will also pay the cost of packing and freighting baggage, provided that we have not paid you an amount instead of returning your vehicle home.
What is not covered:
the cost of repatriation if this is more than the UK market value of your vehicle.
the cost of repatriation if your vehicle is unroadworthy.
any costs arising from an incident not reported to our control centre.
any cost not described above.

What will we do to help you abroad?
Accidental damage or loss of your tent
If you are intending to camp but your tent is stolen or accidentally damaged so that you cannot use it, we will pay up to £35 per person each day towards accommodation expenses to a total of £560 or, at our discretion, authorise the cost of a replacement tent.
What is not covered:
- meals or any extra costs,
- damage to your tent caused by weather conditions,
- the cost of a replacement tent not authorised by us
any costs if your tent was stolen and you do not get a Police report.