Saga Breakdown Assistance - Comprehensive

2 Cancellation
This policy may be cancelled:
By you contacting 0845 366 1605 within 14 days of receipt of your policy documents,and surrendering the Certificate .If you have not made a claim we will refund your full premium.If you have made a claim in the first 14 days,we will give you a pro-rata refund.

5 Vehicle specifications
Cover is only available under this policy for the following:
A privately-registered motor car,three wheeler or car-based van up to 3,500kg when loaded.None of these must be more than 7m (22.7ft)in length,3m (9.8 ft)in height and 2.25m (7.4 ft)in width.
A standard caravan or trailer which meets with all relevant rules and regulations listed in 'Section 2 -Caravan and trailer cover ' and was being towed by the insured vehicle at the time of the insured incident .
You must do all that you can and comply with all laws and codes to keep the insured vehicle safe and fit to drive.

5 Vehicle specifications
Cover is only available under this policy for the following:
A privately-registered motor car,three wheeler or car-based van up to 3,500kg when loaded.None of these must be more than 7m (22.7ft)in length,3m (9.8 ft)in height and 2.25m (7.4 ft)in width.
A standard caravan or trailer which meets with all relevant rules and regulations listed in 'Section 2 -Caravan and trailer cover ' and was being towed by the insured vehicle at the time of the insured incident .
You must do all that you can and comply with all laws and codes to keep the insured vehicle safe and fit to drive.

5 Vehicle specifications
Cover is only available under this policy for the following:
A privately-registered motor car,three wheeler or car-based van up to 3,500kg when loaded.None of these must be more than 7m (22.7ft)in length,3m (9.8 ft)in height and 2.25m (7.4 ft)in width.
A standard caravan or trailer which meets with all relevant rules and regulations listed in 'Section 2 -Caravan and trailer cover ' and was being towed by the insured vehicle at the time of the insured incident .
You must do all that you can and comply with all laws and codes to keep the insured vehicle safe and fit to drive.

Person or vehicle
Standard basis of cover is for the vehicle.
Section 5.Personal Cover
This extends the cover shown on your certificate so that you and your partner or nominated person, residing at the same address, are covered in any vehicle that you are travelling in.(Nominated persons must be 50 years of age or over.)
Please note:
1 Vehicles must comply with our General Conditions.
2 Personal cover applies in the United Kingdom only.
3 You may have to show your certificate and we may ask for a further form of identification when we provide service.
Otherwise you may have to pay for any service we provide.

Section 1 -Roadside assistance
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept,we will:
1.arrange for roadside assistance and,if necessary,transportation of the insured vehicle and up to six insured persons to either:
- a single destination of your choice in the United Kingdom within ten miles of the insured incident ;or
- to a suitable repairer of your choice in the United Kingdom within ten miles of the insured incident ;and
2.provide these services free of charge,including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
Any insured incident occurring within 1/4 mile of either your home or the place where the insured vehicle is usually kept.
Any extra costs where transportation of the insured vehicle exceeds ten miles or labour exceeds 30 minutes.

Section 5 - National recovery
This section only applies if it is included under your cover level in the table on page 6. This section should be read in conjunction with the General exceptions on pages 24 and 25, General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept, if it is apparent that the repairs will require more than 30 minutes labour we will
decide whether we shall be able to complete the repair at the roadside by the end of the working day or recover your insured vehicle. We will:
1. arrange for roadside assistance and, if necessary, transportation of the insured vehicle and up to six insured persons, to your choice of the following in the United Kingdom:
- Your home; or
- Your original intended destination; or
- To a suitable repairer of your choice within ten miles of either the insured incident, your home or your original intended destination; and
2. provide these services free of charge, including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
- Any insured incident occuring within 1/4 mile of either your home or the place where the insured vehicle is usually kept.
- Any extra costs where the labour exceeds 30 minutes.

Section 3 -Recovery after an accident
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
1.If the insured vehicle cannot be driven as a result of an accident in the United Kingdom ,we will take the insured vehicle and up to six insured persons to a single destination of your choice in the United Kingdom ;and
2.we will then take the insured vehicle to a suitable repairer of your choice within ten miles of your destination.
We do not cover the following
Recovery of the insured vehicle to a repairer more than ten miles from your destination.

Section 4 -Home call
This section only applies if it is included under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If an insured incident takes place within 1/4 mile of your home or the place where the insured vehicle is usually kept,we will:
1.arrange for roadside assistance and,if necessary,transportation of the insured vehicle and up to six insured persons ,to either:
- a single destination of your choice in the United Kingdom within ten miles of the insured incident ;or
- to a suitable repairer of your choice in the United Kingdom within ten miles of the insured incident ;and
2.provide these services free of charge,including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
Any extra costs where transportation of the insured vehicle exceeds ten miles or labour exceeds 30 minutes.

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
4.we will also provide you ,in the United Kingdom ,with your choice of one of the following three options,subject to availability:
- where available,and subject to you or the insured person meeting the terms and conditions of the hirer,the hire of a self- drive rental vehicle of an equivalent level to the insured vehicle up to a maximum of 2000cc,for a reasonable period to complete your journey (we cannot guarantee that the self hire vehicle will be fitted with a roof rack or tow bar),up to a maximum cost of £100 in total;
We do not cover the following
- Any costs which we have not been notified of at the time of the insured incident and which we have not previously agreed.
- Vehicle hire in the event of the insured vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of any fuel and oil used,any lost deposit due to damage to the replacement vehicle or failure to replace the fuel or any additional insurance offered by the replacement vehicle hirers.
- Any fines,tolls or other costs that you would have to pay in continuing your journey.
- Any vehicle hire costs incurred if the hire commences more than 48 hours after the occurrence of the insured incident .
- Any expenses incurred for alcoholic drinks.
- More than one night of overnight accommodation.

Section 5 - National recovery
This section only applies if it is included under your cover level in the table on page 6. This section should be read in conjunction with the General exceptions on pages 24 and 25, General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept, if it is apparent that the repairs will require more than 30 minutes labour we will
decide whether we shall be able to complete the repair at the roadside by the end of the working day or recover your insured vehicle. We will:
1. arrange for roadside assistance and, if necessary, transportation of the insured vehicle and up to six insured persons, to your choice of the following in the United Kingdom:
- Your home; or
- Your original intended destination; or
- To a suitable repairer of your choice within ten miles of either the insured incident, your home or your original intended destination; and
2. provide these services free of charge, including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
- Any insured incident occuring within 1/4 mile of either your home or the place where the insured vehicle is usually kept.
- Any extra costs where the labour exceeds 30 minutes.

Section 5 - National recovery
This section only applies if it is included under your cover level in the table on page 6. This section should be read in conjunction with the General exceptions on pages 24 and 25, General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept, if it is apparent that the repairs will require more than 30 minutes labour we will
decide whether we shall be able to complete the repair at the roadside by the end of the working day or recover your insured vehicle. We will:
1. arrange for roadside assistance and, if necessary, transportation of the insured vehicle and up to six insured persons, to your choice of the following in the United Kingdom:
- Your home; or
- Your original intended destination; or
- To a suitable repairer of your choice within ten miles of either the insured incident, your home or your original intended destination; and
2. provide these services free of charge, including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
- Any insured incident occuring within 1/4 mile of either your home or the place where the insured vehicle is usually kept.
- Any extra costs where the labour exceeds 30 minutes.

Section 3 -Recovery after an accident
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
1.If the insured vehicle cannot be driven as a result of an accident in the United Kingdom ,we will take the insured vehicle and up to six insured persons to a single destination of your choice in the United Kingdom ;and
2.we will then take the insured vehicle to a suitable repairer of your choice within ten miles of your destination.
We do not cover the following
Recovery of the insured vehicle to a repairer more than ten miles from your destination.

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
4.we will also provide you ,in the United Kingdom ,with your choice of one of the following three options,subject to availability:
- where available,and subject to you or the insured person meeting the terms and conditions of the hirer,the hire of a self- drive rental vehicle of an equivalent level to the insured vehicle up to a maximum of 2000cc,for a reasonable period to complete your journey (we cannot guarantee that the self hire vehicle will be fitted with a roof rack or tow bar),up to a maximum cost of £100 in total;
We do not cover the following
- Any costs which we have not been notified of at the time of the insured incident and which we have not previously agreed.
- Vehicle hire in the event of the insured vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of any fuel and oil used,any lost deposit due to damage to the replacement vehicle or failure to replace the fuel or any additional insurance offered by the replacement vehicle hirers.
- Any fines,tolls or other costs that you would have to pay in continuing your journey.
- Any vehicle hire costs incurred if the hire commences more than 48 hours after the occurrence of the insured incident .
- Any expenses incurred for alcoholic drinks.
- More than one night of overnight accommodation.

Section 1 -Roadside assistance
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept,we will:
1. arrange for roadside assistance and, if necessary, transportation of the insured vehicle and up to six insured persons to either:
- A single destination of your choice in the United Kingdom within ten miles of the insured incident; or
- To a suitable repairer of your choice in the United Kingdom within ten miles of the insured incident; and
2.provide these services free of charge,including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
- Any insured incident occurring within 1/4 mile of either your home or the place where the insured vehicle is usually kept.
- Any extra costs where transportation of the insured vehicle exceeds ten miles or labour exceeds 30 minutes.

Section 3 -Recovery after an accident
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
1.If the insured vehicle cannot be driven as a result of an accident in the United Kingdom ,we will take the insured vehicle and up to six insured persons to a single destination of your choice in the United Kingdom ;and
2.we will then take the insured vehicle to a suitable repairer of your choice within ten miles of your destination.
We do not cover the following
Recovery of the insured vehicle to a repairer more than ten miles from your destination.

Insured incident
Immobilisation of the insured vehicle as a result of breakdown, road accident, malicious damage, accidental damage, fire, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, within the United Kingdom;

Section 4 -Home call
This section only applies if it is included under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If an insured incident takes place within 1/4 mile of your home or the place where the insured vehicle is usually kept,we will:
1.arrange for roadside assistance and,if necessary,transportation of the insured vehicle and up to six insured persons ,to either:
- a single destination of your choice in the United Kingdom within ten miles of the insured incident ;or
- to a suitable repairer of your choice in the United Kingdom within ten miles of the insured incident ;and
2.provide these services free of charge,including call-out and up to 30 minutes labour for roadside assistance.
We do not cover the following
Any extra costs where transportation of the insured vehicle exceeds ten miles or labour exceeds 30 minutes.

Section 1 -Roadside assistance
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Following an insured incident occurring at least 1/4 mile from either your home or the place where the insured vehicle is usually kept,we will:
1.arrange for roadside assistance and,if necessary,transportation of the insured vehicle and up to six insured persons to either:
- a single destination of your choice in the United Kingdom within ten miles of the insured incident ;or
- to a suitable repairer of your choice in the United Kingdom within ten miles of the insured incident ;and
2.provide these services free of charge,including call-out and up to 30 minutes labour for roadside assistance.

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
3.we will also,if necessary,pay for one single,standard class rail ticket in the United Kingdom for you or any authorised driver to collect the insured vehicle following repair,up to a maximum cost of £150;
We do not cover the following
- Any costs which we have not been notified of at the time of the insured incident and which we have not previously agreed.
- Vehicle hire in the event of the insured vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of any fuel and oil used,any lost deposit due to damage to the replacement vehicle or failure to replace the fuel or any additional insurance offered by the replacement vehicle hirers.
- Any fines,tolls or other costs that you would have to pay in continuing your journey.
- Any vehicle hire costs incurred if the hire commences more than 48 hours after the occurrence of the insured incident .
- Any expenses incurred for alcoholic drinks.
- More than one night of overnight accommodation.

Section 2 -Caravan and trailer cover
This section should be read in conjunction with the General exceptions on pages 24 and 25,,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
Your caravan or trailer will have the same cover as the insured vehicle when being towed by the insured vehicle provided:
1.it conforms to The Motor Vehicles (Constructions and Use)Regulations 1986,as amended or replaced from time to time;and
2.fits to a standard 50mm towball;and
3.is of a proprietary make.
We do not cover the following
Any caravan or trailer that does not meet the conditions opposite.

Insured incident
Immobilisation of the insured vehicle as a result of breakdown, road accident, malicious damage, accidental damage, fire, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, within the United Kingdom;

Insured incident
Immobilisation of the insured vehicle as a result of breakdown, road accident, malicious damage, accidental damage, fire, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, within the United Kingdom;

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
4.we will also provide you ,in the United Kingdom ,with your choice of one of the following three options,subject to availability:
- overnight bed and breakfast accommodation,for one night whilst awaiting repairs,provided that the insured incident occurs more than 25 miles from your home or your original intended destination,up to a maximum cost of £100 per person,for up to six insured persons
We do not cover the following
- Any costs which we have not been notified of at the time of the insured incident and which we have not previously agreed.
- Vehicle hire in the event of the insured vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of any fuel and oil used,any lost deposit due to damage to the replacement vehicle or failure to replace the fuel or any additional insurance offered by the replacement vehicle hirers.
- Any fines,tolls or other costs that you would have to pay in continuing your journey.
- Any vehicle hire costs incurred if the hire commences more than 48 hours after the occurrence of the insured incident .
- Any expenses incurred for alcoholic drinks.
- More than one night of overnight accommodation.

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
4.we will also provide you ,in the United Kingdom ,with your choice of one of the following three options,subject to availability:
- the cost for up to six insured persons to either continue the journey or return to your home by your choice of alternative transport,up to a maximum cost of £100 in total;
We do not cover the following
- Any costs which we have not been notified of at the time of the insured incident and which we have not previously agreed.
- Vehicle hire in the event of the insured vehicle requiring routine servicing, being out of use temporarily under warranty or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
- The cost of any fuel and oil used,any lost deposit due to damage to the replacement vehicle or failure to replace the fuel or any additional insurance offered by the replacement vehicle hirers.
- Any fines,tolls or other costs that you would have to pay in continuing your journey.
- Any vehicle hire costs incurred if the hire commences more than 48 hours after the occurrence of the insured incident .
- Any expenses incurred for alcoholic drinks.
- More than one night of overnight accommodation.

Provision of a chauffeur
If your only driver cannot drive because of accidental injury,sudden illness or death,we will arrange for a chauffeur to take up to six insured persons , and the insured vehicle and your baggage to your destination in the
United Kingdom .We will need to see all medical and other evidence.

Section 6 -Driver care
This section of cover only applies if it is shown under your cover level in the table on page 6.This section should be read in conjunction with the General exceptions on pages 24 and 25,General conditions on pages 26 and 27 and What to do if you have a breakdown or accident on page 30.
We cover the following
If it is apparent that repairs to the insured vehicle cannot be effected by us by the end of the working day,or if the insured vehicle has been stolen and not recovered,or is recovered but not in a roadworthy condition all on the same day,we will arrange and pay for:
2.we will also,if necessary,relay up to three telephone messages to advise of unforeseen travel delays;

Insured incident
Immobilisation of the insured vehicle as a result of breakdown, road accident, malicious damage, accidental damage, fire, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, within the United Kingdom;

Service limits
We will provide assistance up to five times in any 12 month period of cover . We may write and tell you when you have reached that limit.

Service limits
We will provide assistance up to five times in any 12 month period of cover . We may write and tell you when you have reached that limit. If you need assistance more than five times within the period of cover ,you may have to pay for the services we provide. You will have to pay for these services by credit card or debit card.We will ask you for your card details before we provide assistance,but we will only charge you for the work when you have told our service provider that you are satisfied with it.