Saga Breakdown Assistance - Premier

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 7 -European cover
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..
Geographical limits
Andorra,Austria,Balearics,Belgium,Bulgaria,Canary Isles,Corsica,Cyprus,Czech Republic,Denmark,Estonia,Finland,France,Germany, Gibraltar,Greece,Hungary,Italy,Latvia,Liechtenstein,Lithuania,Luxembourg,Malta,Monaco,the Netherlands,Norway,Poland,Portugal, Romania,San Marino,Sardinia,Sicily,Slovak Republic,Slovenia,Spain,Sweden,Switzerland,Turkey in Europe plus ?k?,and the Republic of Ireland.
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 vehicle keys,within the geographical limits.
Insured vehicle
Any vehicle under 17 years of age which we have agreed to cover and is shown on your Certificate under this policy which complies with the vehicle specifications described in General condition 5 -see page 27.
Lawyer
The legal representative or firm of lawyers or other suitably qualified person,firm or company we choose to act for you .
Motorail
A pre-booked train service transporting vehicles within the geographical limits,but excluding Channel Tunnel rail services.
Trip
A pre-booked journey abroad within the geographical limits during the period of cover commencing and ending in the United Kingdom.

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.

Section 7 -European cover
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.
Insured vehicle
Any vehicle under 17 years of age which we have agreed to cover and is shown on your Certificate under this policy which complies with the vehicle specifications described in General condition 5 -see page 27.

7.2 -Loss of use of the insured vehicle
We cover the following
If at any time during your trip ,you cannot use the insured vehicle because of an insured incident within the geographical limits ,and we or our service providers reasonably believe that the insured vehicle will be out of use for more than eight hours;or
if the insured vehicle is stolen within the geographical limits and not recovered within eight hours, we will organise and pay for the reasonable costs of one of the following, subject to availability:
3.up to a total of £750 towards the cost of hiring another vehicle while the insured vehicle remains unserviceable.In some cases,you may have to pay for the vehicle hire services locally;if this happens,we will give you a refund as long as you have received advanced approval from our European control centre (we cannot guarantee that a hire vehicle will always be available or that it will be fitted with a tow bar or roof rack). You or the insured person must comply with the terms and conditions of the hirer and pay any deposit the hire car company requests.
We do not cover the following
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 trip .
- Any expenses incurred for alcoholic drinks.
- Additional costs for repatriating any animal(s)or pet(s).

7.3 -Returning the insured vehicle to the United Kingdom
We cover the following
If the insured vehicle cannot be repaired,following an insured incident within the geographical limits ,before your scheduled return to the United Kingdom ,or the insured vehicle is stolen within the geographical limits and not recovered until after you have returned to the United Kingdom ,subject to you making all travel arrangements in advance with us ,ensuring all costs and expenses that are recoverable under this policy are agreed with us in advance and any unused travel tickets you arranged for your trip are used for the repatriation of the insured vehicle before we provide any alternatives under this section,we will pay for the following at our discretion:
2.if you have to leave the insured vehicle abroad,we will pay the cost of one standard class single ticket by rail or sea at our discretion and,subject to availability (or by air if the train or boat journey would be longer than 12 hours),for you or a driver of your choice to collect the insured vehicle ;and
3.we will also pay any necessary and reasonable expenses,in our opinion, incurred on the outward journey for you or the driver of your choice collecting the insured vehicle ,including accommodation charges.We will pay up to a maximum cost of £600 in total;
We do not cover the following
If the insured vehicle is repaired before your scheduled return to the United Kingdom then you will be responsible for returning the insured vehicle to the United Kingdom at your own cost and for all associated costs.
- Any amount to repatriate the insured vehicle that exceeds the current market value of the insured vehicle in the United Kingdom .
- Additional costs for special travel arrangements if any of the insured persons has a medical condition.
- Additional costs for repatriating any animal(s)or pet(s).
- Any costs incurred to legally abandon your insured vehicle .

7.3 -Returning the insured vehicle to the United Kingdom
We cover the following
If the insured vehicle cannot be repaired,following an insured incident within the geographical limits ,before your scheduled return to the United Kingdom ,or the insured vehicle is stolen within the geographical limits and not recovered until after you have returned to the United Kingdom ,subject to you making all travel arrangements in advance with us ,ensuring all costs and expenses that are recoverable under this policy are agreed with us in advance and any unused travel tickets you arranged for your trip are used for the repatriation of the insured vehicle before we provide any alternatives under this section,we will pay for the following at our discretion:
4.we will also pay any necessary charges up to a maximum cost of £100 for storing the insured vehicle abroad before it is repaired,sent home or legally abandoned.

7.8 -Customs regulations
We cover the following
If as the result of an insured incident occurring in the geographical limits during a trip ,we or our service provider decide the insured vehicle is beyond economic repair,we may arrange for its disposal under Customs supervision in the country of the insured incident .In this case we will be responsible for the necessary Customs formalities.
If as the result of an insured incident occurring during a trip in the geographical limits the insured vehicle is not taken permanently out of the foreign country within the limited time allowed after import,or you inadvertently fail to observe the import conditions which permit import for a limited time without payment of duty,then we will pay your liability for any Customs duty claimed from you by the country where the insured incident happened,up to a limit of £500.
We do not cover the following
The cost of any other import duties imposed by Customs.

7.9 -Missed motorail connection
We cover the following
If you have taken every reasonable step to complete the journey to the motorail departure station on time,but you fail to connect with a pre- booked motorail service in the geographical limits on the outward part of your trip as a result of:
1.you arriving at the departure point in the geographical limits too late to commence the pre-booked motorail journey due to an insured incident during a trip ,providing that you would have been on time for the motorail journey if the insured incident had not happened;or
2.cancellation or curtailment of scheduled public transport due to adverse weather conditions or strike or mechanical breakdown. We will arrange and pay for the following,subject to availability:
3.storage of the insured vehicle in a secure parking area,if available,near to the motorail depot for the period of the trip ,up to a maximum cost of £100;and
4.a standard class return rail ticket to enable you to continue the trip to/from the intended motorail destination station;and
5.hire of a replacement vehicle,up to a maximum of £450 in total,at the motorail journey destination within the geographical limits .
We do not cover the following
Any of the detailed benefits following strikes which are public knowledge at the time you pre-booked and purchased the motorail service.
Any of the detailed benefits following withdrawal from service (whether temporary or otherwise)of a sea vessel or train on the orders or recommendation of the recognised regulatory authority in any country.
Claims arising in connection with the inward (return)journey.

7.2 -Loss of use of the insured vehicle
We cover the following
If at any time during your trip ,you cannot use the insured vehicle because of an insured incident within the geographical limits ,and we or our service providers reasonably believe that the insured vehicle will be out of use for more than eight hours;or
if the insured vehicle is stolen within the geographical limits and not recovered within eight hours, we will organise and pay for the reasonable costs of one of the following, subject to availability:
1.taking up to six insured persons ,and your luggage to your original intended destination,within the geographical limits ,and then returning you to the insured vehicle after it has been repaired;or
2.accommodation,including one daily meal for up to six insured persons while the insured vehicle is repaired,up to a maximum of £45 a day for each person for up to five days;
We do not cover the following
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 trip .
- Any expenses incurred for alcoholic drinks.
- Additional costs for repatriating any animal(s)or pet(s).

7.6 -Legal defence
We cover the following
Up to £10,000 in respect of legal costs incurred in defending you in a court inside the geographical limits against an alleged motoring offence involving the insured vehicle during a trip.
No other assistance will be provided unless you qualify for Saga Breakdown Assistance under another section of this policy .
Provided that for all claims:
We provide the lawyer to act for you or,if there is a conflict of interest,we have given our approval to an alternative lawyer and they have agreed to comply with our terms and conditions.
Our lawyer is satisfied that there is a reasonable prospect of affecting the outcome of the prosecution.
We do not cover the following
Any claim not notified to us within 28 days of you receiving a summons. Defence of any summons issued by a country outside the geographical limits .
Any legal costs arising from:
- alleged speeding offences,,when no other offence is involved;
- defence of an alleged offence where,,in our opinion,there is no reasonable prospect of affecting the outcome of the prosecution.
- Any costs or expenses incurred without prior authorisation by us .
- Your travelling and subsistence expenses.
- Any fines awarded against you.
7.7 -Legal expenses
We cover the following
1.Your reasonable legal costs and fees,including making or defending an appeal,that you are ordered to pay by a court or tribunal,arising from a civil action to help you recover compensation following your death or you sustaining bodily injury during your trip in the insured vehicle caused by the fault of another.
Provided that for all claims:
We provide the lawyer to act for you or,if there is a conflict of interest,we have given our approval to an alternative lawyer and they have agreed to comply with our terms and conditions.
Our lawyer is satisfied that there is a reasonable prospect of a recovery.
You agree to tell us immediately if anyone offers to settle your claim and that you will not negotiate or agree to settle a claim without our prior approval.
If a lawyer refuses to continue acting for you ,the cover provided will end at once unless we agree to appoint another lawyer.
If there is a disagreement between you and us both sides may agree to arbitration.If both sides cannot agree on an arbitrator,we will ask the president of a relevant national law society to choose a lawyer.The arbitrator s decision is final and whoever loses the disagreement will have to pay the costs of the arbitration.
2.We will pay for additional travel expenses in the event you ,or any passengers in the insured vehicle ,are obliged by a court abroad to attend in connection with an incident giving rise to an action under this section,up to a maximum of £250 per person.
We do not cover the following
Any claim not notified to us within 180 days of the incident.
Any legal costs:
- exceeding £10,000 in total;
- where,,in our opinion,there is no reasonable prospect of recovery;
- if your personal injury or your death was not sustained during your trip ;
- if the event occurred outside the geographical limits .

7.3 -Returning the insured vehicle to the United Kingdom
We cover the following
If the insured vehicle cannot be repaired,following an insured incident within the geographical limits ,before your scheduled return to the United Kingdom ,or the insured vehicle is stolen within the geographical limits and not recovered until after you have returned to the United Kingdom ,subject to you making all travel arrangements in advance with us ,ensuring all costs and expenses that are recoverable under this policy are agreed with us in advance and any unused travel tickets you arranged for your trip are used for the repatriation of the insured vehicle before we provide any alternatives under this section,we will pay for the following at our discretion:
1.the reasonable costs of taking up to six insured persons and your luggage to your home in the United Kingdom by a route and method of our choice.We will also pay for the insured vehicle to be taken to your home or to a repairer of your choice in the United Kingdom;
We do not cover the following
If the insured vehicle is repaired before your scheduled return to the United Kingdom then you will be responsible for returning the insured vehicle to the United Kingdom at your own cost and for all associated costs.
- Any amount to repatriate the insured vehicle that exceeds the current market value of the insured vehicle in the United Kingdom .
- Additional costs for special travel arrangements if any of the insured persons has a medical condition.
- Additional costs for repatriating any animal(s)or pet(s).
- Any costs incurred to legally abandon your insured vehicle .