Estima Motoring Community
News:
 
*
Welcome, Guest. Please login or register. May 14, 2012, 04:10:27 PM


Login with username, password and session length


Don't forget to have a look at our website at www.estima-motoring.co.uk
Pages: 1 2 [All]   Go Down
  Print  
Author Topic: Good Quality Breakdown Cover  (Read 2821 times)
0 Members and 1 Guest are viewing this topic.
Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« on: February 03, 2008, 04:57:51 PM »

This is good value for money, especially as it includes European Recovery as standard. Basically, it's the same as the AA's top package, for about a third of the price, and even then, you would pay extra for European cover!!! Grin

Logged
propnut
4th gear user
****
Offline Offline

Posts: 753


« Reply #1 on: February 03, 2008, 10:27:22 PM »

Yeah but who provides the actual recovery service, how many vans do they have, what is their country wide coverage, what are their response times, how much "free" by the road service do you get.

With regard to European coverage the same questions apply but in addition do they have English speaking partners what is thier coverage like etc etc.

I used to have a breakdown cover from Direct Line which was handled by ***** Flag and I was seriously unimpressed. I have been with the AA for a few years now and their service has been nothing but superb.

I think it is important to look at all the factors and not just take the carrot on the end of the stick.
Logged
Phoenix
Guest
« Reply #2 on: February 03, 2008, 11:33:34 PM »

Althought the cover was through the bank when we used it it was still AA.

It was instant, the return call confirming my whereabouts etc.  The fact that I was a female with a child.  Although in my home town.

There was an AA man there within 45 mins.

Was put through as a priority. Which makes me feel a lot better.

Will stay with them. Grin Grin
Logged
snakeyes
Adopted Fifer
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,395


Bye bye Ophiuchus.


« Reply #3 on: February 04, 2008, 07:54:28 AM »



That does look like a good deal, as long as the service is good.
Logged

I am still alive and still driving my BMW.
propnut
4th gear user
****
Offline Offline

Posts: 753


« Reply #4 on: February 04, 2008, 08:51:32 AM »

I could not find their TOC's on their web site ( Europ Assistance that is) but did find it on other sites and it would appear (although clearly I may be wrong) that they only provide car cover and NOT personal cover. Also they don't cover cars over 10 years old without and extra premium and then even that extra only takes the coverage up to 15 years. A great many of us have chariots older than that. Also I did a search for reviews on the internet and could only find one that I truly believe was by an actual customer and it was not good. The ones that raved about their service seemed to contrived and had the obligatory "here's where you sign up" web links. Whenever I see a review like this I am pretty sure it is the marketing dept of the company having a go.
Logged
Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« Reply #5 on: February 04, 2008, 09:20:58 AM »

Quote
INDEX



What to do if you need assistance   2
When motoring in the UK   2
When motoring in Europe   2
General   2
Important: Vehicle health check   2
Our promise to you   3
Meaning of words   3
Eligible vehicle:   3
Geographical limits:   3
Insured incident:   4
Insured person(s) / you / your:   4
Insured vehicle:   4
Period of insurance:   4
Policyholder:   4
Trip:   4
UK area:   4
We / us / our:   4
Section 1. UK Motor Breakdown Recovery including Assistance at home   4
1.1 Roadside assistance   4
1.2 Message relay   5
1.3 Vehicle recovery and onward transport   5
Section 2. European Motor Breakdown   6
2.1 Cover prior to departure   6
2.2 Roadside assistance   6
2.3 Replacement parts   7
2.4   Break-in emergency repairs   7
2.5 Vehicle out of use   7
2.6 Alternative driver   8
2.7 Repatriation   8
2.8 Bail bond   8
2.9 Motoring defence   8
2.10 Customs regulations   9
General exclusions applying to all sections   9
General conditions applying to all sections   10
Complaints Procedure   11
Making A Claim On Return Home   12
Cancellation Provisions   12



What to do if you need assistance

When motoring in the UK

If you need motoring assistance, please ring Europ Assistance on the number shown on your Schedule, and be ready to
provide the:

Vehicle registration number
Policyholder's name
Policy number

On motorways, always use the emergency telephones as these pinpoint your exact location. The Police may arrange for
your recovery from the motorway. In this case, contact Europ Assistance when you reach an ordinary phone or use a
mobile. If the local Police call for a recovery vehicle to tow you from the motorway, and you are asked to pay on the spot
for this service, you should send us the original receipt.

When motoring in Europe

On most continental motorways you are required to use the motorway emergency telephone system. You will be
recovered off the motorway to the nearest suitable garage. Then you should contact Europ Assistance on the number
shown on your Schedule.

Please give Europ Assistance an address or telephone number where they can contact you. Many hotels, garages and
hospitals have telex or telefax. A contact number is invaluable as urgent messages can be left at any time of the day or
night.

General

Europ Assistance monitors the progress of each incident with care and makes all the necessary arrangements.

Remember, to comply with the policy terms and conditions you must contact Europ Assistance to obtain prior
authorisation before incurring any expenses. Also, if assistance is given that is not covered by this policy you will be
charged for the additional service.

Please note that car hire companies impose driver minimum age restrictions and will require sight of your driving licence
and credit/debit card before releasing the vehicle to you

Important: Vehicle health check

This insurance operates on the basis that you will have had your vehicle properly serviced and maintained in accordance
with the manufacturer's specifications, especially when preparing it for a trip abroad.

In particular, we will expect you to have replaced parts which a pre-trip inspection has indicated may be reaching the
end of their normal life, for example the friction linings in the clutch or brakes.

Don't forget that replacing such items abroad will disrupt your trip, may not be practicable within your travel timescale,
and could cost you significantly more than in the UK.

And - have your vehicle checked in plenty of time before your departure date so that your garage can fix any problem
they discover. If you leave the pre-trip check to the last 10 days, then the breakdown benefits under Section 2.1 - Cover
Prior to Departure - will NOT apply.

Keep proof of servicing with your travel documents.

If you call us for assistance, and our mechanic reports to us that it is evident you have not maintained your vehicle in a
state fit to undertake the trip and return you home safely, you will have to pay all the costs arising from our intervention.







Our promise to you

We aim to provide you with a first class service.  Should you be unhappy with this service or have any cause for
dissatisfaction, please make use of our complaints procedure shown in the booklet.

Europ Assistance Holdings Limited will provide the services and benefits described in this Policy:
? during the Period of Insurance
? within the Geographical Limits
? following payment of the premium
? on the basis of the details you have supplied and subject to the following terms, conditions and exclusions,
together with any applicable endorsements, all of which we recommend you read carefully, to ensure this policy
meets  individual requirements.
Benefits under Section 2.9 of this Policy are underwritten by Europ Assistance Insurance Limited, of Sussex House,
Perrymount Road, Haywards Heath, West Sussex RH16 1DN.  All other sections are underwritten by Europ Assistance
Holding Irish Branch, of 3rd Floor, St James House, Adelaide Road, Dublin 2, Ireland.
This insurance is effected in England and is subject to the Laws of England and Wales.
To ensure we are consistent in providing Our customers with quality service, we may record  telephone call.
Europ Assistance Holdings Limited is authorised and regulated by the Financial Services Authority.

Signed for Europ Assistance Holdings Limited


 

Paul Monks
Managing Director

Meaning of words

Wherever the following words and phrases appear in this Policy (shown in bold italics) they will always have these
meanings:

Eligible vehicle:

Vehicles less than 20 years old at date of inception, owned by or the responsibility of the policyholder or his/ her
immediate family.
   
Being cars, motorised caravans, motorcycles (up to 15 years old), light vans, estate cars, or 4x4 sport utility vehicles,
registered in the UK area.

? a towed caravan or trailer of proprietary make;
? in good roadworthy condition, maintained and operated in accordance with the manufacturer's recommendations
and hold a current valid MOT certificate if applicable;
? not used for hire or reward;
? not exceeding (including any load carried) the following gross vehicle weight (as shown in the manufacturer's
handbook and on the vehicle chassis plate) and dimensions: weight 3500kg; length 7m; height 3m; width 2.25m.
? carrying no 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.


Geographical limits:

For Sections 1 : the UK Area.

For Section 2: the following countries: Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Islands, Channel Islands
(not covered as a destination for Channel Islands residents), Corsica, Cyprus, Czech Republic, Denmark, Estonia,
Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta,
Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovak
Republic, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe plus �sk�dar.

Note: All appropriate benefits of Section 2 (unless excluded) will apply in the UK area during your direct journeys
between home and the port or Eurotunnel Terminal. 



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, or the use of incorrect fuel, we would pay for the
roadside assistance and local recovery if appropriate. However, you will be responsible for paying any incremental costs
such as lock replacement, new keys, drainage of tank, disposal of wrong fuel and any replacement fuel.
We do not cover undamaged tyres which have been allowed to run flat or those which are below the legal tread limit.

Please note: If we are called six times in any one 12 month Period of Insurance, any subsequent incident(s) shall not be
insured.  If we supply assistance we will charge you for the callout and any services provided.

Insured person(s) / you / your:

As defined on your Schedule. 

Insured vehicle:

The eligible vehicle specified on the Schedule.

Period of insurance:

For Section 1: the 12 month period shown on the Schedule.

For Section 2: the period of each trip abroad you undertake in the insured vehicle, up to the Maximum Trip Duration of
90 days.   

Policyholder:

The Policyholder whilst an occupant of the Insured Vehicle, and/or any other authorised occupant of the Insured
Vehicle (other than a hitch hiker).

Trip:

A journey in the Insured Vehicle to the countries of the European Area commencing and ending in the UK Area, not
exceeding 21 consecutive days.
   Please note: Cover under Part B applies door-to-door, so all the appropriate benefits apply within the UK Area during
your direct journeys between home and the port or international rail terminal. You will be asked to demonstrate that
you are planning or undertaking a journey abroad, for example by quoting a Channel crossing or accommodation
booking reference.
   If, however,  Trip is planned to exceed 21 consecutive days in length, then no cover at all will apply under this Policy
in respect of that Trip and you will need to make alternative insurance arrangements.

UK area:

England, Scotland, Wales, Northern Ireland, Isle of Man (and, for Channel Islands residents, the Channel Islands).

We / us / our:

Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN.



Section 1. UK Motor Breakdown Recovery including Assistance at home

In the event of an insured incident:

1.1 Roadside assistance

If the insured vehicle is immobilised or rendered unroadworthy, as the result of an insured incident, we will arrange
and pay for:

callout and up to one hour's labour for assistance at your Home or at the roadside;
AND, if necessary
transport 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.

   Assistance at your home address as shown on the policy schedule.  All eligible vehicles qualify for assistance
   at the policyholders home address, except motorcycles.  Any incident where the insured vehicle is a
   motorcycle must occur at least 1 mile away from the policyholders home address for cover to apply.   

What is not covered:

1. any incident, where the insured vehicle is a motorcycle, occurring at or within one mile of the policyholder's
home;
2. roadside labour charges in excess of one hour;
3. any labour charges incurred at the repairer's premises;
4. the cost of replacement parts or other materials used in the repair;
5. tolls and sea transit charges for the insured vehicle;
6. any winching costs or the use of specialist off-highway recovery equipment.
7. more than 6 call outs during each Period of Insurance.

1.2 Message relay

If we have been contacted in connection with an insured incident occurring away from your home address, we will relay
up to 2 telephone messages to your family members, friends or business associates to advise them of your unforeseen
travel delays.

1.3 Vehicle recovery and onward transport

In the event of loss of use of the Insured Vehicle caused by an Insured Incident, and it is apparent repairs cannot be
effected by the end of the working day in which the Insured Incident occurred, then provided Our services were
requested at the time of the Insured Incident:
EITHER
3.1   We will arrange and pay for the transportation of the Insured Person(s), and if appropriate, the Insured Vehicle:
   i)   to the Policyholder's home address. OR
   ii)   to the original destination within the 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 Insured Vehicle is not recovered by the end of the working day in which the Insured
Incident occurred, we will arrange and pay for transport of the Insured Person(s), by one direct journey, to the
Policyholder's home address or original destination within the UK Area.
OR
3.3   If the Insured Vehicle is not transported within the terms of Section 3.1, and repairs are effected locally, if
necessary we will arrange and pay up to �100 in total for the following benefits:
i)   A replacement self-drive rental vehicle, where available, for up to 24 hours to either continue the journey or
return home within the UK Area. We will pay for rental charge of up to a Group C vehicle only, collision damage
waiver and any necessary drop-off charge, but you remain responsible for the cost of any fuel used.
You must be able to satisfy the requirements of the hire car providers, as to an acceptable driving licence and
minimum driver age. They will also require sight of your credit/charge card before releasing the vehicle to you.
We will also pay for the cost of one single standard class rail ticket to enable the Insured Vehicle to be
collected following repair.
If we are unable to arrange a suitable replacement vehicle as your party is too large, or where it is not available
under the suppliers hire terms, you will have to select one of the other two benefits under this section. OR
ii)   The cost for the Insured 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 Insured Vehicle to be collected following repair. OR
iii)   At Our discretion, the cost of providing necessary bed and breakfast overnight accommodation for the Insured
Person(s) in a local hotel whilst awaiting repairs, when the Insured Incident has occurred at a late hour more
than 25 miles from the Policyholder's home address shown on the confirmation letter.

What is not covered:

a)   any costs which would have been incurred in the course of a journey, if the incident giving rise to a claim had not
occurred.
b) toll and sea transit charges for the Insured Vehicle.
c) long-distance transport of the Insured Vehicle to the premises where the Insured Vehicle was purchased or
previously repaired, solely to claim under a Warranty scheme, when a suitable alternative repairer is nearer to
hand.
d) fines, parking charges and any congestion charges arising from use of a replacement vehicle.



Section 2. European Motor Breakdown


Cover under this section applies during trips you undertake in the insured vehicle, including the journeys within the UK
area between your home and the port or Eurotunnel terminal.

Please remember that you may be asked to demonstrate that you are planning or undertaking a journey abroad, for
example by quoting a Channel crossing or accommodation booking reference.

The Maximum Trip Duration is 21 days.  If your trip is planned to exceed 21 consecutive days in length, then no cover at
all will apply under this policy and you will need to make alternative arrangements.

2.1 Cover prior to departure

If the insured vehicle is lost, immobilised or made unroadworthy by an insured incident occurring in the 7 days
immediately before the arranged departure date 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:

Hire of a suitable replacement vehicle, where available, to enable you to carry out your original trip (including rental
charge, collision damage waiver and any necessary drop-off charge).
If:
The insured vehicle is stolen, and is not recovered before your arranged departure date; or
The insured vehicle cannot be repaired within 24 hours following the booked time of departure for the trip.

The additional cost of rebooking any sea crossing missed as a result of the incident giving rise to a claim (or, where your
original route is unavailable, the nearest suitable alternative sea crossing).

Any claim involving the hire of a replacement vehicle must have our prior approval. You must contact us as soon as you
know your vehicle may be unavailable for the planned trip.

Your claim must be supported by a letter from a garage confirming:

? the regular maintenance and servicing of your vehicle;
? precise details of the breakdown or damage;
? breakdown, when occurring, was sudden and unforeseen;
? repairs cannot be effected before the date you plan to begin your trip.

What is not covered:

1. any claim resulting from breakdown if you have purchased this insurance less than 10 days before your
planned date of departure;
2. any claim when actual or imminent breakdown of the insured vehicle is diagnosed or discovered in the course
of a service carried out less than 10 days prior to your planned date of departure;
3. loss of use of a vehicle hired to you;
4. the cost of fuel and oil used in any replacement vehicle;
5. the cost of any optional Personal Accident insurance or other benefit not specifically covered under this
insurance;
6. fines, parking charges and any congestion charges arising from use of a replacement vehicle.
7. trips solely within the UK area.
Logged
Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« Reply #6 on: February 04, 2008, 09:22:19 AM »

Quote
2.2 Roadside assistance

If the insured vehicle is lost, immobilised or rendered unroadworthy during a trip by an insured incident, we will
arrange, and pay up to a maximum per trip of �250, for roadside assistance and, if necessary, the transportation of the
Insured person and the Insured Vehicle to the nearest suitable repairer.

Any 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:

1. labour charges in excess of �50;
2. charges for any labour not incurred at the roadside;
3. the cost of replacement parts or other materials;
4. Trips solely within the UK area;
5. any winching costs or the use of specialist off-highway recovery equipment.


2.3 Replacement parts

If the insured vehicle needs replacement parts outside the UK area during a trip but these are not available locally, then
on receipt of your instructions we will undertake to obtain them elsewhere, and will pay all freight charges involved in
despatching them to the location of the insured vehicle.

We will endeavour to provide the replacement parts required but we can give no guarantee that they will be available,
especially in the case of older vehicles where parts may be impossible to locate.

We will pay the cost of location and transport of the replacement parts. The actual cost of the parts and any Customs
Duty must be paid to us by you, by a debit to your credit or charge card or by a prior deposit of funds in the UK area.

When you are invoiced for a surcharge subject to the return of the old unit or part, you must return the defective part at
your own expense to the supplier.

If you place a firm order for replacement parts and these are not subsequently required, or you do not await their arrival,
you will be responsible for the cost of such parts, including all forwarding charges arising from their return.

What is not covered:

1. the actual costs of any parts;
2. Trips solely within the UK area.

2.4   Break-in emergency repairs

In the event of a theft (or attempted theft) of the insured vehicle or the contents contained in the insured vehicle during
the trip, we will pay up to �175 in total per trip for immediate emergency repairs and/or replacement parts, necessary to
place the insured vehicle in a secure condition to continue the trip.

You must obtain a Police Report within 24 hours of the incident which gives rise to a claim.

What is not covered:

1. damage to paintwork or other cosmetic items;
2. costs incurred following your return home;
3. Trips solely within the UK area;


2.5 Vehicle out of use

If the insured vehicle is lost, immobilised or made unroadworthy during a trip as a result of an insured incident, and
repairs cannot be completed within 24 hours, we will pay up to a maximum of �750 in total per trip for:

The additional cost of transporting you, with your luggage, to your destination by public transport OR for the immediate
hire of an equivalent replacement vehicle, where and when obtainable whilst the insured vehicle remains unserviceable.
We will only 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 offered one of the other 2 benefits under this section.  Please note
that car hire companies impose driver minimum age restrictions and will require

OR ALTERNATIVELY

The cost of local overnight hotel accommodation while you wait for repairs to be completed. We will pay Bed & Breakfast
only costs up to a maximum of �125 per insured person within the overall limit for this Section, on condition that this cost
is additional to, or in excess of, any accommodation costs you had planned to pay if the loss of use of the insured
vehicle had not occurred.

What is not covered:

1. the cost of fuel and oil used in any replacement vehicle;
2. the cost of any optional Personal Accident insurance or other benefit not specifically covered under this
insurance;
3. costs incurred outside the period of the Trip;
4. fines, parking charges and any congestion charges arising from use of a replacement vehicle;
5. Trips solely within the UK area;


2.6 Alternative driver

If the driver is declared medically unfit to drive the insured vehicle in the course of a trip, or has to return home early
because of what we agree is a serious or urgent reason, and there is no other insured person qualified and competent to
drive, we will pay all necessary additional costs incurred to repatriate the insured vehicle to your home. At our option
we may elect to provide a qualified driver to drive back the insured vehicle and passengers.

What is not covered:

Trips solely within the UK area.

2.7 Repatriation

If the insured vehicle is lost, immobilised or rendered unroadworthy during a trip as a result of an insured incident:

We will pay the cost of transporting you, together with your hand luggage and valuables, back to your home address in
the UK area if the insured vehicle cannot be and could not have been repaired (or, in the case of theft, has not been
recovered in a roadworthy condition) by the intended time of your return home. The means of transport to be employed
shall be at our discretion.

We will pay the cost of transporting the insured vehicle to your home address in the UK area if repairs cannot be
carried out abroad (or the insured vehicle, if stolen, has been recovered but is no longer in a roadworthy condition), by
the intended time of your return home. We will pay for necessary garage storage costs and costs of transportation and
delivery, including any additional shipping costs.

OR

When agreed in advance by us, we will pay the cost of one person to travel to the location of the insured vehicle by
public transport to drive the repaired vehicle to your home in the UK Area.

The maximum we will pay under this Section to repatriate the insured vehicle will be limited to its current market value
in the UK area.

Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the UK area, and when you
confirm to us that these repairs will be put in hand.

If you are repatriated by us, we will pay the cost of transporting your personal possessions, other than hand luggage and
valuables, to your home address either together with or separately from the insured vehicle.
If a replacement vehicle has been provided, once the vehicle has returned to the Policyholders Home address within the
UK Area, it will no longer be covered irrespective of whether the original Insured Vehicle is still in the process of
repatriation.

In the event of a valid claim you shall allow us the use of any relevant travel tickets you are not able to use because of
the claim.

What is not covered?

a) Repatriation of the vehicle occupants injured in an accident involving the Insured Vehicle.
b) Trips solely within the UK area.

2.8 Bail bond

Following a debit to your credit or charge card, or a prior deposit of funds in the UK Area, in our favour, we will
guarantee up to �1,000 to enable you to provide Bail or other security to any judicial authority to secure your release
and/ or the release of the insured vehicle if detained in connection with a road traffic accident.

2.9 Motoring defence

Telephone Advice
We will provide telephone advice, guidance and assistance on any legal problem which arises in connection with a Trip
or in connection with Your Home. This service is available when you start your Trip until seven days after You return
Home.

Motoring Defence
We will pay up to �1,000 in respect of legal costs incurred in defending You in a Court outside the UK Area against an
alleged motoring offence involving the Insured Vehicle during a Trip. You must notify Us within 28 days of receiving a
summons.

What is not covered:

a)    alleged offences involving breaking the speed limit only, when no other offence is involved.
b)    the defence of an alleged offence where there is no reasonable prospect of affecting the outcome of the prosecution.
c)    costs or expenses incurred without prior authorisation by Us.
d)    any claim not notified to Us within 28 days of your receiving the summons.
e)    Your travelling and subsistence expenses.
f) fines awarded against you.
g) driving under the influence of drink and/or drugs or driving above the legally permitted blood/alcohol level.



2.10 Customs regulations

If as the result of an insured incident occurring outside the UK area during a trip:

the insured vehicle is beyond economic repair, we may arrange for its disposal under Customs supervision in the
country where it is situated. In this case we will deal with the necessary Customs formalities;

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 duty claimed from you. We will not pay the cost of any other import duties imposed by
Customs.

What is not covered:

The cost of any other import duties imposed by customs.


General exclusions applying to all sections

1) Vehicles which have not been maintained and operated in accordance with the manufacturer's
recommendations; a previous inadequate repair; unsuccessful d.i.y. dismantling and/or reassembly; kit cars.

2) Any recurring claim due to the same cause within the last 28 days, where a permanent repair has not been
undertaken to correct the fault.

3) Assistance following a breakdown or accident attended by the police or other emergency services until they
have authorised the vehicles removal.

4) Vehicles being used for hire or reward; or for motor racing, rallies, speed or duration tests or practising for such
events.

5) The provision of service to vehicles temporarily immobilised by floods, snow-affected roads, sand or mud,
situated in areas to which Our agents have no right of access, or on Motor Traders' premises.

6) Vehicles not in a roadworthy condition at the time cover is effected.

7) Any deliberately careless or deliberately negligent act or omission by You.

Cool Claims arising from loss of or damage to contents of the Insured Vehicle.

9) Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed
that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting
from, or in connection with any of the following regardless of any other cause or event contributing concurrently
or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not);
invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the
act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government;
civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power;
explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence;
murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state
foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity.
For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons,
committed for political, religious, ideological or similar purposes with the intention to influence any government
and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to,
the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can
either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also
excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above   
incidents.  In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall
remain in full force and effect.

10) Loss or destruction or damage, or any loss or expense whatsoever resulting from:
- ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of
nuclear fuel.
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
nuclear component thereof.

11) Any expense which at the time of the incurring of such expense is insured by or would but for the existence of
this Policy be insured by any other existing policy or policies or under any motoring organisation's service or
other service.

12) Immobilisation of, or damage to, the Insured Vehicle or any component, or travel delay or any consequential
loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment
or media, microchip, integrated circuit or similar device or any computer software or stored programme to
correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond
that date.

13) The cost of telephone calls when contacting Us. Whenever possible we will call you back as soon as possible.

14) Consequential loss of any kind arising from the provision of, or delay in providing, the services to which this
Policy relates, unless negligence on Our part can be demonstrated.

15) Any tolls, fines, parking charges or congestion charges arising under this Policy.

16) Any winching costs or specialist off-highway-recovery equipment.  Any vehicle or equipment used other than a
standard recovery vehicle which is required to move a vehicle which has left the highway or is overturned or
without wheels, would be considered as specialist.  Once the vehicle has been recovered to a suitable location,
normal service will be provided.

17) The cost of draining or removing contaminated fuel or other fluids.  We will arrange local recovery, but it will be
your responsibility to pay for any work carried out.

18) Any costs for locksmiths, glass replacement or tyre specialists are your responsibility.

19) Claims arising from circumstances which were known to you at the time of applying for this insurance or at any
time prior to the commencement of the Period of Insurance, or claims arising as a result of a material fact or
facts, which have not been disclosed to Us prior to the commencement of the Period of Insurance.

20) Costs which would have been payable if the event being the subject of a claim had not occurred (for example,
the cost of meals which you would have paid for in any case).


General conditions applying to all sections

1) You must declare to us all facts which are likely to affect this insurance. Failure to do so may prejudice
entitlement to claim. If you are uncertain as to whether a fact is material, you should declare it to Us.

2) You must take all ordinary and reasonable precautions to prevent or minimise any loss, damage or breakdown
covered under this Policy. You must act as if you are not insured. You must take all steps necessary to
expedite the completion of repairs, and you shall not abandon the Insured Vehicle or any of its parts to Us
without Our authorisation.

3) We will not accept liability for expenses incurred without Our prior knowledge or consent and the Emergency
Centre must be contacted when an incident arises that may be the subject of a claim.

4) We cannot accept responsibility for the transportation of pet animals or livestock carried within the Insured
Vehicle at the time of an Insured Incident.  Any extra costs involved in the transportation of pets or alternative
transportation requirements in the event of a breakdown, would not be covered by this policy.

5) You must comply in full with all the terms and conditions of this Policy before a claim will be paid. You must
make no admission, offer, promise or payment without Our prior consent. In order to benefit from the cover, an
Insured Person or member other than the Policyholder must agree to abide by all the relevant terms,
conditions and exclusions of this Policy.

6) We will make every effort to apply the full range of services in all circumstances dictated by the terms and
conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal
standard of service being provided. In all cases where such difficulties exist, the full monetary benefits of the
insurance cover will apply.

7) You must comply in full with the terms and conditions of this Policy before a claim will be paid. Please read this
Policy carefully.

Cool In the event of an emergency or of any occurrence which may give rise to a claim for substantial costs under
this insurance, you must contact Us as soon as practicable. You must make no admission, offer, promise or
payment without Our prior consent. Please Telephone Us first.

9) We are entitled to take over your rights in the defence or settlement of a claim, or to take proceedings in your
name for Our own benefit against another party and we shall have full discretion in such matters.

10) We may, at any time, pay to you Our full liability under this Policy after which no further liability shall attach to
Us in any respect or as a consequence of such action.

11) If any dispute arises as to Policy interpretation, or as to any rights or obligations under the Policy, we offer you
the option of resolving this by using the Arbitration procedure we have arranged.  Please see the details shown
in Complaints Procedure. Using this Service will not affect your legal rights.

12) If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the
insurance, this Policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and
received must be repaid to Us.

13) You will be required to reimburse to Us, within seven days of Our request to you, any costs or expenses we
have paid out on your behalf which are not covered under the terms of the insurance.

14) At the time of a claim, at Our request you must provide evidence of proper servicing of your vehicle.

15) A garage or specialist undertaking repair work on your instructions and which is not specifically covered under
this insurance will be acting as your agent for such repair work.

16) This contract of insurance is effected in England and unless otherwise agreed between the Policyholder and
Us is subject to the Laws of England and Wales, the Courts of which countries alone shall have jurisdiction in
any disputes.

17) Service will be provided only to the Insured Vehicle, details of which have been supplied to Us.

18) In the event of a valid claim involving your repatriation from a Trip,  you shall allow Us the use of any relevant
travel tickets you are not able to use because of the claim.                  
   
19) If you have a road traffic accident, you must supply your motor vehicle insurance details to Us when we ask
for this information. The incident must be reported to the insurer.


Logged
Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« Reply #7 on: February 04, 2008, 09:22:46 AM »

Quote
Complaints Procedure

We aim to provide a first class service at all times.  However, if you have any complaint regarding the standard of service
you have received under your Policy, the following procedure is available to you to resolve the situation:

1. In the first instance please contact the Quality Department of Europ Assistance Holdings Limited at Sussex House,
Perrymount Road, Haywards Heath, West Sussex, RH16 1DN. . Alternatively, you can telephone Us on 0845 358
8008 or e-mail Us on: quality@europ-assistance.co.uk  If we cannot give you a final decision by four weeks from the
day we receive your complaint we will explain why and tell you when we hope to reach a decision.

2. Our decision is final and based on the evidence presented. If you feel that there is any new evidence or information
that may change Our decision you have the right to make an appeal.

3. In respect of a complaint relating to a legal expenses claim, either you or we have the right to require that the
complaint be referred to arbitration under the Arbitration Acts.

4. In any event, should you remain dissatisfied or fail to receive a final answer  within  eight weeks*  of Us receiving
your complaint, you have the right, in addition to your contractual rights under the insurance, to refer the matter to
the Financial Ombudsman Service at :

South Quay Plaza, 183 Marsh Wall, London, E14 9SR.  Telephone : 0845 080 1800

? N.B. The time scales given above are dependent on you responding immediately to any correspondence we send
you.

Making A Claim On Return Home

? First, check your Schedule and the appropriate Section of your Policy to make sure that what you are claiming for
is covered.

? Claim forms can be obtained from www.europ-assistance.co.uk/clientclaimforms.  Alternatively, telephone Our
Claims Helpline on 01444 442277 to obtain a claim form via email or post, giving your name and Policy number,
and brief details of your claim.

? All claims must be submitted within 28 days of your return on a Policy claims form, accompanied by original
invoices, receipts, reports, etc. Please refer to the relevant Section of your Policy for specific conditions and details
of the supporting evidence that we require.

? Please remember that it is always advisable to retain copies of all documents when submitting your claim form.

? In order to facilitate prompt handling of claims, we may use appointed claims handling agents.

? When claims settlements are made by the BACS (Bank Automatic Clearing System) or other electronic banking
system method, you will be responsible for supplying Us with the correct bank account details and your full
authority for us to remit monies directly to that account.  Provided that payment is remitted to the bank account
designated by you, Europ Assistance shall have no further liability or responsibility in respect of such payment, and
it shall be your sole responsibility to make collection of any misdirected payment in the event of incorrect details
having been provided to Us. 

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 for annulment.  Any premium received by Us will be refunded.
Cancellation by the Policyholder: If you subsequently give notice in writing or by telephone to Us to cancel this policy,
such cancellation shall take effect on the date the notice is received or on the date specified in the notice, whichever is
the later.  There will be no refund of premium.
Cancellation by Us: We may give 14 days notice of cancellation of this policy by recorded delivery letter to you at your
last known address.
QUOTELINE DIRECT   04QUO


Quoteline Motor Breakdown policy wording - Version 2 -Jan 2005   - 1 -


             
Logged
legion
1st gear user
*
Offline Offline

Posts: 15


« Reply #8 on: February 09, 2008, 09:08:39 AM »

There are several brokers selling this Europe Assistance cover.

The T & Cs all seem to be similar. I have just paid �280 for 3 year cover for 2 cars; an Astra and the Estima. As the Estima was less than 15 years old when the policy was taken out they will cover it for the whole 3 year period. This includes breakdown cover and recovery in the UK and Europe.

I was covered by Europe Assistance last year when the Estima broke down. It was that Saturday in June when the whole of Yorkshire flooded. The brakes failed at Scotch Corner at 7am. A local recovery was called out and arrived in about half an hour. They took the car to a local garage who had a look over it and decided that it was the vacuum pump. As they could not repair it immediately the local recovery service returned and took me the 140 miles home. The service was brilliant.Europe Assistance kept me informed by text message throughout. Everywhere was flooded and there was a real doubt that we would get home that day.

My only reservation with this cover would be with the European recovery. Like all other providers, there is a bit hidden in the small print that if the value of the car is less than the cost of the recovery then they wont get it home. With Estimas being valued around �2000 to �3000 I could foresee arguments if if you broke down a long way from the Channel ports.

In short, I think Swanny's recommendation is a good one.
Logged
Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« Reply #9 on: February 09, 2008, 09:15:48 AM »

In short, I think Swanny's recommendation is a good one.
Shocked Shocked Shocked Crikey, somebody agrees with me at last!!!! Grin
Cheers Legion!!! Grin Wink
Logged
legion
1st gear user
*
Offline Offline

Posts: 15


« Reply #10 on: February 09, 2008, 09:22:03 AM »

Nae bother. Just speak as I find
Logged
snakeyes
Adopted Fifer
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,395


Bye bye Ophiuchus.


« Reply #11 on: February 09, 2008, 09:23:11 AM »

In short, I think Swanny's recommendation is a good one.
Shocked Shocked Shocked Crikey, somebody agrees with me at last!!!! Grin
Cheers Legion!!! Grin Wink

Dont get carried away now Swanny.  Grin Grin
Logged

I am still alive and still driving my BMW.
Twinkle
Guest
« Reply #12 on: February 09, 2008, 10:18:38 AM »

I think when choosing Breakdown cover it can be differcult. I have ***** Flag too  and could never fault them. I had texts all the way through letting me where I was confirming exact time to be recovered etc. But I am a woman on my own with children and I think this is a big factor in all recoveries. And lets face it I had my car on the back of a recovery truck what seemed to be most of the time. The recovery people are two miles away from me also so there are a mulitude of things that has made me happy with their service.

However if it had been hubby on his own with no children I really don't know how he would off got on.
Logged
mjltigger
TTFN
Silverback
Hyperdrive user
******
Offline Offline

Gender: Male
Posts: 3,756


let's get rid of links... upload your avatar..


« Reply #13 on: May 01, 2008, 03:34:08 PM »

My wife recently agreed to breakdown cover with the insurance at a (I think) extortionate cost of about �120 per year. When I read the smallprint it was very clear that the insurance would only cover you IF YOUR CAR WAS GARAGE SERVICED... this came about by a discussion with the company regarding a phrase very similar to this one...

Quote
Important: Vehicle health check

This insurance operates on the basis that you will have had your vehicle properly serviced and maintained in accordance
with the manufacturer's specifications, especially when preparing it for a trip abroad.

it seems that they want to see a receipt for the work, they will not (in the case of green flag who I was speaking to) take your word for it, accept that you did it yourself etc. etc. Apparently they don't check every claim but they would check if the recovery guy felt the vehicle was home maintained when he came to the roadside....I canceled the policy...
Logged

mr mince
Brrrrooooooommm
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,523


Holding it together with willpower and string


WWW
« Reply #14 on: May 02, 2008, 07:08:30 AM »

I'm with Autoaid who do it by paying back after the event, not an ideal situation but at �34 for the year with cover that sounds almost level with the AA's top package I couldn't say no. Don't think I'd like to try using something like mine in a strange country though
Logged

Centaur
Silverback
Hyperdrive user
******
Offline Offline

Gender: Male
Posts: 3,540


...lurker!


« Reply #15 on: May 02, 2008, 07:36:09 AM »

Don't think I'd like to try using something like mine in a strange country though

...like England?  :Smiley Grin
Logged

Southern geezer, lost in the Midlands...!
snakeyes
Adopted Fifer
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,395


Bye bye Ophiuchus.


« Reply #16 on: May 02, 2008, 07:45:56 AM »

Don't think I'd like to try using something like mine in a strange country though

...like England?  :Smiley Grin

None stranger, well apart from Scotland. Tongue
Logged

I am still alive and still driving my BMW.
snakeyes
Adopted Fifer
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,395


Bye bye Ophiuchus.


« Reply #17 on: October 21, 2008, 07:12:45 PM »

This is good value for money, especially as it includes European Recovery as standard. Basically, it's the same as the AA's top package, for about a third of the price, and even then, you would pay extra for European cover!!! Grin



i took cover out with these at the beginning of the month. Had to use them on Monday morning. Cant fault them. Had someone
out to the bus within an hour then thay took me to Lancaster and transfered onto another breakdown vechicle and onto home.
For the price compared to AA and RAC i thought the service was well worth it.  Grin
Logged

I am still alive and still driving my BMW.
mjltigger
TTFN
Silverback
Hyperdrive user
******
Offline Offline

Gender: Male
Posts: 3,756


let's get rid of links... upload your avatar..


« Reply #18 on: October 23, 2008, 01:30:03 PM »

what have you done to orph oriph orpicui your bus this time?
Logged

Swanny
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,513



« Reply #19 on: October 23, 2008, 03:38:50 PM »

what have you done to orph oriph orpicui your bus this time?
I think it's pronounced "Ohfeckitsus"
Logged
snakeyes
Adopted Fifer
Silverback
Warp drive user
*******
Offline Offline

Gender: Male
Posts: 5,395


Bye bye Ophiuchus.


« Reply #20 on: October 23, 2008, 03:42:41 PM »

what have you done to orph oriph orpicui your bus this time?
I think it's pronounced "Ohfeckitsus"

Now your just being silly. :Smiley

Though he has been called a few things over the last few months Tongue
Logged

I am still alive and still driving my BMW.
Mothsiri
Don't Ask Me I Know Nothing About Cars!!
Global Moderator
Hyperdrive user
*****
Offline Offline

Gender: Male
Posts: 2,660


Formerly known as K88DUE


« Reply #21 on: December 31, 2009, 09:31:43 PM »

Just found this thread, bit of an eye opener!  Having had rescue ''through the insurance'' with Highway, needed them once and what a disaster!  6 hours in hammering rain and they disputed that I had cover with them Shocked What a bunch of morans, at �50+ a year.....
This situation arose around 8 years ago, been with them most of the time since!!!!!!!!!!bad habits eh Doh,
About 3 years ago I went for an Audi 200, 6 miles later it chucked all the oil on the road, no cover at the time so I had no choice but call the AA.   �180 and 5 hours later I was home Grrr.
Was considering Green Flag as I heard just a couple of good stories about them and it was something like �35 several years back...probably more now.
So what do I do? I want cover to take me and the family home if something happens, no matter where and I want it to be on me the driver, and not the car like before where the dispute took place............+ recovery should we be in Ireland (south)
Any suggestions? apart from the AA, as this is where my enquiry will start, I think
Logged

Just look at some of the the junk I bought.........DOH

Pages: 1 2 [All]   Go Up
  Print  
 
Jump to:  

Powered by MySQL Powered by PHP Powered by SMF 1.1.16 |SMF © 2011, Simple Machines

Valid XHTML 1.0! Valid CSS! Dilber MC Theme by HarzeM