Towergate Risk Solutions Wheels UK Motoring Assistance

Section 18 - Cancellation Provisions
Right to return the insurance document: If You are not satisfied with this policy for any reason, it may be returned to Us within 14 days of inception or receipt of the policy document, whichever is the later, for annulment. Any premium received by Us will be refunded, subject to no claim having been made.

ELIGIBLE VEHICLES : Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:-
- each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m. height 3m. width 2.25m;

ELIGIBLE VEHICLES : Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:-
- each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m. height 3m. width 2.25m;

ELIGIBLE VEHICLES : Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:-
- each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m. height 3m. width 2.25m;

ELIGIBLE VEHICLES : Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:-
- each not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3500 kg, length 7m. height 3m. width 2.25m;

Section 1 - Doorstep & roadside assistance
If the lnsured Vehicle is immobilised or rendered unroadworthy as the result of an lnsured Incident, We will arrange and pay for:
1.1 callout and up to one hour's labour for assistance at Your home or at the roadside; AND, if necessary
1.2 the transportation of the lnsured Person(s) and the lnsured Vehicle to the nearest suitable repairer
The choice of suitable repairer shall be at Our, discretion. You will be responsible for paying any costs which are not covered, directly to the repairer, the toll authority or the sea transit Carrier as appropriate.
What is not covered:
a) roadside labour charges in excess of one hour.
b) any labour charges incurred at the repairer's premises.
c) the cost of replacement parts or other materials used in the repair.
d) toll and sea transit charges for the lnsured Vehicle.
e) any winching costs or the use of specialist off-highway-recovery equipment.
f) more than six call-outs during each Period of Insurance.
If We do not arrive to assist within one hour of Us having answered Your initial telephone call to Us, You can claim £10 back from Us. To claim, You should write, giving full details, to the Manager, Customer Service Centre, at the address shown in Section 16 - Complaints Procedure.

Section 3 - Vehicle recovery/onward transportation
In the event of loss of use of the lnsured Vehicle caused by an lnsured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the lnsured incident occurred, then provided Our services were requested at the time of the lnsured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the lnsured Person(s), and if appropriate, the lnsured Vehicle:
i) to the Policyholder's home address. OR
ii) to the original destination within the UK Area. OR
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.
OR
3.2 In the event of theft, when the lnsured Vehicle is not recovered by the end of the working day in which the lnsured incident occurred, We will arrange and pay
for transport of the lnsured Person(s), by one direct journey, to the Policyholder's home address or original destination within the UK Area.
OR
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
i) A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge, but You remain responsible for the cost of any fuel used. You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and minimum driver age. They will also require sight of Your credit/charge card before releasing the vehicle to You. We will also pay for the cost of one single standard class rail ticket to enable the lnsured Vehicle to be collected following repair. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this section. OR
ii) The cost for the lnsured Person(s) to either continue the journey or return home within the UK Area by public transport. The means of such public transport shall be at Our discretion. We will also pay for the cost of one single standard class rail ticket to enable the lnsured Vehicle to be collected following repair. OR
iii) At Our discretion, the cost of providing necessary bed and breakfast overnight accommodation for the lnsured Person(s) in a local hotel whilst awaiting repairs, when the lnsured incident has occurred at a late hour more than 25 miles from the Policyholder's home address shown on the confirmation letter.
What is not covered:
a) any costs which would have been incurred in the course of a journey, if the incident giving rise to a claim had not occurred.
b) toll and sea transit charges for the lnsured Vehicle.
c) long-distance transport of the lnsured Vehicle to the premises where the lnsured Vehicle was purchased or previously repaired, solely to claim under a Warranty scheme, when a suitable alternative repairer is nearer to hand.
d) fines, parking charges and any congestion charges arising from use of a replacement vehicle.

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

Section 1 - Doorstep & roadside assistance
If the lnsured Vehicle is immobilised or rendered unroadworthy as the result of an lnsured Incident, We will arrange and pay for:
1.1 callout and up to one hour's labour for assistance at Your home or at the roadside; AND, if necessary
1.2 the transportation of the lnsured Person(s) and the lnsured Vehicle to the nearest suitable repairer
The choice of suitable repairer shall be at Our, discretion. You will be responsible for paying any costs which are not covered, directly to the repairer, the toll authority or the sea transit Carrier as appropriate.
What is not covered:
a) roadside labour charges in excess of one hour.
b) any labour charges incurred at the repairer's premises.
c) the cost of replacement parts or other materials used in the repair.
d) toll and sea transit charges for the lnsured Vehicle.
e) any winching costs or the use of specialist off-highway-recovery equipment.
f) more than six call-outs during each Period of Insurance.
If We do not arrive to assist within one hour of Us having answered Your initial telephone call to Us, You can claim £10 back from Us. To claim, You should write, giving full details, to the Manager, Customer Service Centre, at the address shown in Section 16 - Complaints Procedure.

Section 3 - Vehicle recovery/onward transportation
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
i) A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge, but You remain responsible for the cost of any fuel used. You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and minimum driver age. They will also require sight of Your credit/charge card before releasing the vehicle to You. We will also pay for the cost of one single standard class rail ticket to enable the lnsured Vehicle to be collected following repair. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this.

Section 3 - Vehicle recovery/onward transportation
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
i) to the Policyholders home address; or
ii) to the original destination within the UK Area; or
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.
Geographical limits :
Part A UK Area comprising Great Britain, Northern Ireland and the Isle of Man. For Channel Islands residents, the Channel Islands are included in the UK Area for cover under Part A.

Section 3 - Vehicle recovery/onward transportation
In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be effected by the end of the working day in which the Insured Incident occurred, then provided Our services were requested at the time of the Insured Incident:
EITHER
3.1 We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
i) to the Policyholders home address; or
ii) to the original destination within the UK Area; or
iii) to a repairer either in the vicinity of the above locations or to a repairer of Your choice.
The means of transport shall be at Our discretion.
Eligible Vehicles: Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:
- Carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

Section 1 - Doorstep and roadside assistance
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.1 callout and up to one hours labour for assistance at Your home or at the roadside;
AND, if necessary
1.2 the transportation of the Insured Person(s) and the Insured Vehicle to the nearest suitable repairer.
The choice of suitable repairer shall be at Our discretion. You will be responsible for paying any costs which are not covered, directly to the repairer, the toll authority or the sea transit Carrier as appropriate.
Eligible Vehicles: Vehicles less than 16 years old, owned by or the responsibility of the Policyholder or his/her immediate family:
- Carrying not more than the number of persons recommended by the manufacturer and for whom seats are available, with a maximum of 8 persons, including the driver.

Section 3 - Vehicle recovery/onward transportation
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
i) A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge, but You remain responsible for the cost of any fuel used.

Section 1 - Doorstep and roadside assistance
If the Insured Vehicle is immobilised or rendered unroadworthy as the result of an Insured Incident, We will arrange and pay for:
1.1 callout and up to one hours labour for assistance at Your home or at the roadside;

INSURED INCIDENT: Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of insurance within the Geographical Limits. In the case of keys locked within the vehicle, key breakage, lack of fuel, the use of incorrect fuel, flat tyre, or puncture , We would pay for the roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, draining of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.

Section 3 - Vehicle recovery/onward transportation
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
ii) The cost for the lnsured Person(s) to either continue the journey or return home within the UK Area by public transport. The means of such public transport shall be at Our discretion. We will also pay for the cost of one single standard class rail ticket to enable the lnsured Vehicle to be collected following repair. OR

ELIGIBLE VEHICLES :
- being cars; motorised caravans; light vans; estate cars; 4x4 sport utility vehicles; towed caravans or trailers of proprietary make;

INSURED INCIDENT: Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of lnsurance within the Geographical Limits. In the case of keys locked within the vehicle, key breakage, lack of fuel , the use of incorrect fuel, flat tyre, or puncture , We would pay for the roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, draining of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.

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

Section 3 - Vehicle recovery/onward transportation
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
iii) At Our discretion, the cost of providing necessary bed and breakfast overnight accommodation for the lnsured Person($ in a local hotel whilst awaiting repairs, when the lnsured incident has occurred at a late hour more than 25 miles from the Policyholder's home address shown on the confirmation letter.

INSURED INCIDENT: Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of lnsurance within the Geographical Limits. In the case of keys locked within the vehicle, key breakage, lack of fuel, the use of incorrect fuel, flat tyre, or puncture, We would pay for the roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, draining of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.

Section 3 - Vehicle recovery/onward transportation
3.3 If the lnsured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if necessary We will arrange and pay up to £250 in total for the following benefits:
ii) The cost for the lnsured Person(s) to either continue the journey or return home within the UK Area by public transport. The means of such public transport shall be at Our discretion. We will also pay for the cost of one single standard class rail ticket to enable the lnsured Vehicle to be collected following repair.
What is not covered:
a) any costs which would have been incurred in the course of a journey, if the incident giving rise to a claim had not occurred.

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

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

INSURED INCIDENT: Mechanical breakdown, accidental damage, vandalism, fire, theft or attempted theft, flat battery, or accidental damage to tyres, occurring during the Period of lnsurance within the Geographical Limits. In the case of keys locked within the vehicle, key breakage, lack of fuel, the use of incorrect fuel, flat tyre, or puncture, We would pay for the roadside assistance and local recovery if appropriate. However, You will be responsible for paying any incremental costs such as lock replacement, new keys, draining of tank, disposal of wrong fuel, any replacement fuel, and any replacement or repair of tyres.

Section 4 - Medical transfer and general assistance
You may telephone Our 24-hour emergency centre in connection with the following:
4.1 Emergency medical transfer of the Insured Person hospitalised away from home, in the course of a journey within the UK Area in the Insured Vehicle.
- We will organise medical transfer as appropriate, but You will be responsible for paying any costs and expenses incurred in such transfer.
- We will organise callout of a repairer to render assistance, but the Policyholder will be responsible for paying, directly to the repairer or Europ Assistance Holdings Ltd:
- All callout and labour costs, which will be based on Our nationally negotiated scale of charges;
- The cost of replacement parts or other materials used in the repair.

Section 7- Roadside assistance
If the lnsured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for roadside assistance and, if necessary, the transportation of the lnsured Person(s) and the lnsured Vehicle to the nearest suitable repairer. A garage or specialist undertaking repair work (other than at the roadside) will be acting as Your agent for such repair work.
What is not covered:
a) any claim when Your Trip is planned to exceed 31 days.
b) labour charges in excess of £50.
c) charges for any labour not incurred at the roadside.
d) the cost of replacement parts or other materials.
e) any winching costs or the use of specialist off-highway-recovery equipment.

Section 7- Roadside assistance
If the lnsured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for roadside assistance and, if necessary, the transportation of the lnsured Person(s) and the lnsured Vehicle to the nearest suitable repairer. A garage or specialist undertaking repair work (other than at the roadside) will be acting as Your agent for such repair work.
What is not covered:
a) any claim when Your Trip is planned to exceed 31 days.
b) labour charges in excess of £50.
c) charges for any labour not incurred at the roadside.
d) the cost of replacement parts or other materials.
e) any winching costs or the use of specialist off-highway-recovery equipment.

Section 9 - Break-in
In the event of a theft (or attempted theft) of the lnsured Vehicle or the contents contained in the lnsured Vehicle during the Trip, We will pay up to £175 in total under this Policy, for immediate emergency repairs and/or replacement parts, which are necessary to place the lnsured Vehicle in a secure condition to continue the Trip.
You must obtain a Police Report within 24 hours of the incident giving rise to a claim.
What is not covered:
a) any claim when Your Trip is planned to exceed 31 days.
b) damage to paintwork or other cosmetic items.
c) costs incurred following Your return home.
d) Trips solely within the UK area

Section 10 - Vehicle out of use
If the lnsured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, and repairs cannot be effected within 24 hours, we will pay up to a maximum of £750 in total under this policy for:
- the additional cost of transporting You, with Your luggage, to Your destination by public transport; OR
- the immediate hire of a replacement vehicle, where and when obtainable whilst the lnsured vehicle remains unserviceable. We will pay for the rental charge of up to a Group C vehicle only, collision damage waiver and any necessary drop-off charge. If We are unable to arrange a suitable replacement vehicle as Your party is too large, or where it is not available under the suppliers hire terms, You will be required to select one of the other two benefits under this section.

Section 12 - Repatriation
If the lnsured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, We will pay:
12.3 We will pay for necessary garage storage costs and costs of transportation and delivery, including any additional shipping costs.
OR
When agreed in advance by Us, We will pay the cost of one person to travel to the location of the lnsured Vehicle by public transport to drive the repaired vehicle to the home address in the UK Area.
The maximum We will pay under this Policy to repatriate the lnsured Vehicle will be limited to its current market value in the UK Area. Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK Area, and when You confirm to Us that these repairs will be put in hand.

Section 7- Roadside assistance
If the lnsured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of fire, theft, accidental damage or breakdown, We will arrange and pay up to a maximum under this Policy of £250 for roadside assistance and, if necessary, the transportation of the lnsured Person(s) and the lnsured Vehicle to the nearest suitable repairer. A garage or specialist undertaking repair work (other than at the roadside) will be acting as Your agent for such repair work.
What is not covered:
a) any claim when Your Trip is planned to exceed 31 days.
b) labour charges in excess of £50.
c) charges for any labour not incurred at the roadside.
d) the cost of replacement parts or other materials.
e) any winching costs or the use of specialist off-highway-recovery equipment.

Section 6 - Cover prior to departure
If the Insured Vehicle is lost, immobilised or rendered unroadworthy as a result of breakdown, accident, fire or theft occurring during the seven days immediately preceding Your arranged date of departure for a Trip, and it cannot be repaired or is not recovered prior to the arranged date of departure, We will pay up to £750 in total under this Policy to enable You to continue Your originally planned Trip. We will pay for the following:
- The additional cost of rebooking any sea crossing missed as a result of the incident giving rise to a claim (or, where the original route is unavailable, the nearest suitable alternative sea crossing).

Section 6 - Cover prior to departure
If the Insured Vehicle is lost, immobilised or rendered unroadworthy as a result of breakdown, accident, fire or theft occurring during the seven days immediately preceding Your arranged date of departure for a Trip, and it cannot be repaired or is not recovered prior to the arranged date of departure, We will pay up to £750 in total under this Policy to enable You to continue Your originally planned Trip. We will pay for the following:
- The hire of a suitable replacement vehicle, where available, for the purpose of carrying out the original Trip (including rental charge, collision damage waiver and any necessary drop-off charge).
Any claim involving the hire of a replacement vehicle must have Our prior approval. You must contact Us as soon as You know Your vehicle may be unavailable for the planned Trip.

Section 10 - Vehicle out of use
If the lnsured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, and repairs cannot be effected within 24 hours, we will pay up to a maximum of £750 in total under this policy for:
- for the cost of local overnight hotel accommodation whilst awaiting completion of repairs. Bed and Breakfast only costs will be paid up to £125 per lnsured Person, with an overall maximum under this Policy of £750, provided that such cost is additional to or in excess of any planned accommodation costs payable by You had loss of use of the lnsured Vehicle not occurred.

Section 12 - Repatriation
If the lnsured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of fire, theft, accidental damage or breakdown, We will pay:
12.2 the cost of transporting the lnsured Vehicle to Your home address in the UK Area if repairs cannot be carried out abroad (or the lnsured Vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of Your return home.
The maximum We will pay under this Policy to repatriate the lnsured Vehicle will be limited to its current market value in the UK Area. Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK Area, and when You confirm to Us that these repairs will be put in hand. If You are repatriated by Us, We will pay the cost of transporting Your personal possessions, other than hand luggage and valuables, to Your home address either together with or separately from the lnsured Vehicle. If a replacement vehicle has been provided, once the vehicle has returned to the Policyholders Home address within the UK Area, it will no longer be covered irrespective of whether the original lnsured Vehicle is still in the process of repatriation.
What is not covered:
a) any claim when your trip is planned to exceed 31 days
b) repatriation of vehicle occupants injured in an accident involving the insured vehicle.
c) Trips solely within the UK area