your breakdown cover - covéa · 1 your breakdown cover consists of: 1. a breakdown policy – one...

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COVEA INSURANCENº dossier : 20110324E

Date : 8/12/11

alidation DA/DC

alidation Client

Your Breakdown CoverProvided by the RAC

Policy booklet May 2018

A vehicle breakdown service for cars and small vans

Breakdown 0330 159 0260

Breakdown in Europe, calling from:

Europe 00 33 472 43 52 55*

French landline 0800 290 112 (freephone)

Republic of Ireland 1 800 535 005 (freephone)

Bringing your vehicle back to the UK after a breakdown 0330 1590 342

Claim Form Requests from:

UK 0330 1590 334 or [email protected]

Europe 0044 161 332 1040* or www.rac.co.uk/europeanclaimform

Customer Services Please contact your broker as shown on your schedule

Hearing Assistance Telephone prefix 18001 to access Typetalk or text the RAC on 07855 828282

*Please replace the 00 at the beginning with 810 when in Belarus or Russia

Telephone charges

Please note that the RAC do not cover the cost of making or receiving telephone calls. Calls to the RAC maybe monitored and/or recorded.

In Europe: Roaming charges may apply when making or receiving calls, please check with your mobilephone provider for more information. It may not always be possible for the RAC to return a call to a mobilephone.

In the UK: Call charges may apply. Please check with your telephone provider. 03 numbers are charged atnational call rates and usually included in inclusive minute plans. Text messages will be charged at yourstandard network rate.

Your Breakdown Cover

Contact Us . . .

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Your Breakdown Cover consists of:

1. A Breakdown Policy – one or more contracts of insurance between you and the insurers –depending on the type of cover:

(a) RAC Motoring Services provides insurance for Sections A, B and C; and

(b) RAC Insurance Limited provides insurance for Section D.

A price is payable for contracts of insurance which will be made clear to you in advance ofpurchase.

A schedule – detailing the type of cover you have, the level of cover chosen, and the cost ofcover. Your schedule will detail the price and any other charges payable. These will be madeclear in advance of purchase, and provided to you by your broker following purchase.

Please read this policy and your schedule to ensure the cover meets your needs. If you haveany queries please contact your broker.


Welcome to Your Breakdown Coverfrom Covéa Insurance

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If your vehicle breaks down, please provide the RAC with

1. Your name

2. Identification such as a bank card or driving licence

3. The vehicle’s make, model and registration number

4. The exact location of the vehicle – the road you are on or the nearest road junction

5. The number of the phone you are using

6. The cause of the breakdown, if you know it

7. Your credit card if you need additional services

If you fail to contact the RACwithin 24 hours of becoming aware of a breakdown, BreakdownCover may be refused.

RememberPlease let the RAC know if you have called the RAC but manage to get going before theRAC arrive. Cover will only be provided if the RAC arranged help, so please do not godirectly to a garage or other recovery service, or otherwise approve action taken by youor on your behalf.

If you have broken down or are involved in a road traffic collision on amotorway in France or Mainland EuropeMotorways in France and many other European countries are privately managed. If yourvehicle breaks down or is involved in a road traffic collision on a French motorway, motorwayservice area, or other European private motorway, you must use the roadside emergencytelephones as the RAC cannot send assistance. If the vehicle is recovered by the police orauthorised motorway services, you may have to pay labour and towing charges on the spot anda standard tariff is normally applied.

These charges will be paid back to you as long as the vehicle is towed to the recoverycompany’s depot. This may also apply to other roads, so the RAC recommend you use theemergency phones where available. If they will not send a breakdown recovery vehicle, youshould contact the RAC.


In the event of a breakdown

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Contents

Definition of words ............................................................................................................................................................................. 4

Important information about your policy ............................................................................................................................ 7

Your Cover

Section A. Roadside ............................................................................................................................................................................... 9

Section B. Recovery ............................................................................................................................................................................. 10

Section C. At Home ............................................................................................................................................................................. 11

Section D. European Motoring Assistance ................................................................................................................................ 12

General conditions for Section D ............................................................................................................................................. 16

General conditions ........................................................................................................................................................................... 18

General information

Additional Benefits ............................................................................................................................................................................. 21

Cancellation of your Breakdown Cover ....................................................................................................................................... 21

Misuse of Breakdown Cover ............................................................................................................................................................ 22

Renewal of Breakdown Cover ......................................................................................................................................................... 23

Changes to your details .................................................................................................................................................................... 23

Complaints ............................................................................................................................................................................................. 23

Financial Ombudsman Service ....................................................................................................................................................... 23

Financial Services Compensation Scheme ................................................................................................................................ 24

Law ............................................................................................................................................................................................................ 24

Your Data ................................................................................................................................................................................................ 24

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Definition of words

We don't hide behind jargon. To help you understand everything we say, here are theexplanations of the key words we have used.Any words in bold appearing throughout this Breakdown Cover have a specificmeaning which are explained below.

Beyond economical repairWhere the total cost required to repair thevehicle, including any taxes, is greater thanthe market value of the vehicle. If thevehicle has broken down or been involved ina road traffic collision in Europe, the totalcost required to repair the vehicle will bebased on the estimate for repair provided bythe service provider in the applicable countryin Europe where the breakdown or roadtraffic collision has occurred.

Breakdown/break down/broken downAn event during the policy period, that stopsthe vehicle from being driven because of amechanical or electrical failure including as aresult of battery failure, running out of fuel,but not as a result of a mis-fuel, road trafficcollision, fire, flood, theft, acts of vandalism,any driver induced fault, flat tyres or any keyrelated issue other than keys locked in yourvehicle.

Breakdown CoverYour breakdown Cover that is subject to theterms and conditions together with yourschedule.

BrokerThe insurance agent/broker who youpurchased this Breakdown Cover from andwhose details are shown within yourdocumentation pack with the associatedmotor insurance policy.

Call-out/claimEach separate request for service or benefitfor cover under any section of this BreakdownCover.

Caravan/trailerAny caravan or trailer that is less than (a) 3.5tonnes; (b) 7.0m (23ft) long including a towbar; (c) 2.55 metres wide; and (d) 3 metreshigh.

Covéa InsuranceCovea Insurance plc of 2 Norman Place,Reading, Berkshire RG1 8DA.

Driver/their/theyYou or any driver as shown on your scheduleof a vehicle at the time a breakdown occurswho is authorised to be driving the vehicleand is permanently resident in the territory.

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Definition of wordsMotor Breakdown

0330 159 0260

Driver induced faultAny fault caused by actions or omissions ofthe driver of the vehicle, except running outof fuel and battery failure.

Effective dateThe date that your Breakdown Cover begins,or renews, as shown on your schedule.

End dateThe date that your Breakdown Cover expiresas shown on your schedule.

EuropeAlbania, Andorra, Armenia, Austria,Azerbaijan, Belarus, Belgium, BosniaHerzegovina, Bulgaria, Croatia, Cyprus(South), Czech Republic, Denmark, Estonia,Finland, France, Georgia, Germany, Gibraltar,Greece, Hungary, Italy, Latvia, Liechtenstein,Lithuania, Luxembourg, Macedonia, Malta,Moldova, Monaco, Montenegro, Netherlands,Norway, Poland, Portugal, Republic of Ireland,Romania, Russian mainland (west of Urals),San Marino, Serbia, Slovakia, Slovenia, Spain(excluding Ceuta and Melilla), Sweden,Switzerland, Turkey (in Europe) plus Uskudar,Ukraine, Vatican City and any offshore islandsof the above, except overseas territoriesoutside of Europe.

HomeThe address in the UK where you livepermanently, as shown on your schedule.

JourneyA trip to Europe which begins and ends onreturn from home during the policy period.

Market valueThe market value in the UK, as reasonablydetermined by the RAC in accordance withpublished industry data (using Glass’s Guideor other appropriate trade vehicle valuationguide(s), of a vehicle based upon a vehicle ofthe equivalent age, make, recorded mileageand model as the vehicle.

Modified vehicleAny vehicle that has been modified from themanufacturer’s specifications.

PassengersThe driver and up to 7 people travelling in thevehicle.

Planned departure dateThe date when you intend to begin yourjourney. The RAC may ask for proof of this.

Policy periodThe length of time for which your BreakdownCover is in force as shown on your schedule.

Policy yearThe policy period, from the effective date.

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Definition of words

RAC1. For Sections A, B and C means RAC

Motoring Services;

2. For Section D means RAC InsuranceLimited;

3. For Additional Services means RACMotoring Services; and

4. In each case any person employed orengaged to provide certain services ontheir behalf.

Road traffic collision1. for the purpose of Section D only, a traffic

collision in Europe that immobilises thevehicle; and

2. for all other sections, means a trafficcollision involving a vehicle within the UK.

ScheduleThe document entitled “schedule” containingimportant details about your BreakdownCover and levels of cover.

Specialist equipmentEquipment that is not normally required byRAC to complete repairs and recoveries, forexample winching and specialist liftingequipment.

UKEngland, Scotland, Wales, Northern Ireland,and for the purpose of your BreakdownCover includes Jersey, Guernsey and the Isleof Man if you are a resident there;

VehicleThe UK registered vehicle as shown on yourschedule and that complies with thefollowing specifications:

1. it is either a car, light van or motorhomethat is less than (a) 3.5 tonnes; (b) 5.5m(18ft) long including a tow bar; and (c)2.55 metres wide; or

2. for Section D it is either a car, light van ormotorhome that is less than (a) 3.5tonnes; (b)7m (23ft) long including a towbar; and (c) 2.55 metres wide;

3. It is not a motorcycles over 121cc or amobility scooter;

You/yourThe person taking out the Breakdown Coveras named on your schedule.

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Important informationabout your policy

Motor Breakdown0330 159 0260

Your Breakdown Cover is intended to offerservices relating to the breakdown of yourvehicles. It meets the demands and needs ofthose who wish to ensure the risk of thebreakdown of vehicles is met now and in thefuture, and where additional cover is chosen,that certain additional risks relating to thebreakdown of vehicles are met.

There are four sections of Breakdown Cover,these are:

A. Roadside

B. Recovery

C. At Home

D. European Motoring Assistance

Please refer to your schedule which sets outwhat level of breakdown cover you havechosen. The following terms and conditionsapply dependent on the cover shown on yourschedule. Please make sure this is correct.

There are general conditions that apply to allsections. There are also specific conditionsthat are set out in each section that apply toeach section. You must meet all of theseconditions.

All requests for service must be made directlyto RAC.

Policy typeYour Breakdown Cover covers the vehicleshown on your schedule and if registered atyour home address. The vehicle is coveredwhoever is driving.

Policy PeriodYour Breakdown Cover will start on theeffective date and end on the end date asshown on your schedule.

Limits of CoverCover under your Breakdown Cover is subjectto limits on:

1. When a claim can be made:

(a) no claim is permitted under section Aif the breakdown occurred prior topurchasing your Breakdown Cover;

(b) no claim is permitted under sections Bto D within 24 hours of the initialeffective date of the BreakdownCover, nor within 24 hours of anyupgrade to an upgraded section; and

(c) in order to make a claim underSection B (Recovery) the RAC musthave first attended under Section A(Roadside).

2. The number of claims that can be madeper policy year whether under a particularsection, or as a whole, one claim meansone request for service or benefit for coverunder any section of your BreakdownCover, regardless of who makes the claim;

3. The amount that is covered:

(a) for certain types of claim or for certainsections, as set out in yourBreakdown Cover.

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Important informationabout your policyReimbursementUnder some sections, you may need to payfor the service up front and claim this backfrom the RAC. To do so, please visitwww.rac.co.uk/reimbursementclaimform. If you have any queries please contactBreakdown Customer care on 0330 1590342. Please send your completed claim formwith proof of payment (such as a receipt) toCustomer Services. The RAC may ask you tosupply original documents.

Hire Car TermsCertain sections of your Breakdown Coverinclude the supply of a hire car. Where a hirecar is available as a covered benefit, thefollowing terms apply:

What is Covered

1. The RAC will try to find a hire car close insize to your vehicle, but cannot guaranteethis and the RAC may offer more thanone hire car;

2. If you are not eligible for a hire cararranged by the RAC for any reason, suchas you do not meet the hire car provider’sterms (e.g. you have points on yourlicence), and you choose to hire a caryourself, let the RAC know before you hirea car, and then provided the RAC haveagreed the cost, the RAC will pay youback up to £35 per day;

3. Where the RAC arrange a hire car theRAC will pay the insurance and collisiondamage waiver (this covers the cost ofdamage but you would still need to paythe excess).

What is not Covered

1. The RAC will not provide any specific cartype, model or accessories, including towbars.

2. Any cost of:

(a) delivery and collection of the hire carand any fuel used; or

(b) fuel while using the hire car; or

(c) any insurance excess and additionalcosts.

Included BenefitsAs well as the cover the RAC provide underSections A to D, the RAC offer the followingbenefits provided by RAC Motoring Servicesat no additional charge to you and include:

• Urgent Message Relay; and

• Replacement Driver.

Additional ServicesRAC Motoring Services can also offeradditional services following a breakdown foran additional charge which will be agreedwith you before service is provided.

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Your CoverMotor Breakdown

0330 159 0260

Section A. Roadside

Your Breakdown Cover includes cover for Roadside.

What is covered What is not covered

If the vehicle breaks down within the UK morethan a 1/4 of a mile from your home, the RACwill:

1. Send help to repair the vehicle at theroadside. This could be a permanent ortemporary repair; or

2. If the RAC are unable to repair the vehicleat the roadside, the RAC will recover thevehicle and passengers to a destinationchosen by the driver up to a maximum of 10miles from the breakdown;

If the RAC recover the vehicle to a garage, theRAC will pay you back for taxi costs forpassengers to continue the journey to a singledestination within 20 miles.

Caravans or Trailers

If a caravan or trailer breaks down within theUK more than 1/4 mile from your home, theRAC will send help to repair the caravan ortrailer at the roadside. This could be apermanent or temporary repair.

1. The cost of any parts;

2. The fitting of parts, including batteries,supplied by anyone other than the RAC;

3. Any breakdown resulting from a fault that theRAC have previously attended and:

(a) the original fault has not been properlyrepaired; or

(b) the advice given to you after a temporaryrepair has not been followed;

4. Recovery for caravans or trailers if thecaravan or trailer breaks down.

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Your CoverSection B. Recovery

Please refer to your schedule which sets out whether your Breakdown Cover includes cover forRecovery.


If the RAC are unable to repair the vehicleunder Section A (Roadside), the RAC will recoverthe vehicle from the breakdown location to:

1. A local garage; or

2. A single destination chosen by the driverwithin the UK. For long distances the RACmay use more than one recovery vehicle.

Please note: recovery must be arranged withthe RAC while they are at the scene.

1. Please see the “What is not Covered” part ofSection A (Roadside), which also applies here;

2. Tyre faults where the vehicle is not carrying aserviceable spare tyre, the tyre repairequipment provided by the vehicle’smanufacturer or a locking wheel nut;

3. A second recovery owing to the intendedoriginal destination being closed orinaccessible.

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Motor Breakdown0330 159 0260Your Breakdown Cover

Your CoverSection C. At Home

Please refer to your schedule which sets out whether your Breakdown Cover includes cover forAt Home.


The RAC will provide the same cover as the“What is Covered” part of Section A (Roadside)and if your vehicle breaks down at, or within a1/4 of a mile of, your home.

Please see the “What is not Covered” part ofSection A (Roadside), which also applies here.

Please refer to your schedule which sets outwhether your Breakdown Cover includes coverfor At Home.

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Your CoverSection D. European Motoring Assistance

Please refer to your schedule which sets out whether your Breakdown Cover includes cover forEuropean Motoring Assistance.


Limits of coverThe cover under Section D is subject to an aggregate overall limit of £2500 per call out and issubject to the further limits of cover in respect of each type of cover.

1. Repair costs, including garage labourcharges:

(a) if the vehicle was in a road trafficcollision; or

(b) if the vehicle repair costs will bemore than its market value.

2. The costs of any parts.

Note: By claiming under this section youare authorising the RAC and the garageto undertake fault diagnosis.

Section D1: Onward travel in the UKIf the RAC attend a breakdown under Section A (or C)and cannot fix the vehicle by your planned departuredate and you are within 24 hours of your planneddeparture date the RAC will arrange a hire car for thecontinuation of your journey up to 14 consecutive daysor until the vehicle has been fixed if sooner and oneperson will be transported to their nearest hire carsupplier to collect the vehicle.

Section D2: Roadside assistance in EuropeIf the vehicle breaks down or is involved in a roadtraffic collision in Europe during a journey, the RACwill send assistance to either:

1. Repair the vehicle at the roadside. This could be apermanent or temporary repair; or

2. If the RAC are unable to repair the vehicle at theroadside, they will:

(a) recover the vehicle and passengers to a localgarage for fault diagnosis on the vehicle;

(b) pay for the initial fault diagnosis to find the nextcourse of action;

(c) contribute towards the garage labour chargesup to £150;

(d) help you purchase replacement parts if theycannot be found locally, and pay for them to bedelivered; and

(e) relay any urgent messages from the driver to acontact of their choice.

Requests following a road traffic collision.

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Section D. European Motoring Assistance


Section D3: Onward travel in EuropeIf the vehicle has a breakdown or you are involvedin a road traffic collision during a journey inEurope and the RAC establish that the repairscannot be completed within 12 hours, the RAC willhelp the driver by making arrangements for thepassengers to continue the journey. The drivercan choose either:

1. Alternative transport; or

2. Additional accommodation expenses.

1. Alternative transport1. A hire car as a replacement until the vehicle

has been fixed, up to £125 per day and£1,500 in total; or

2. A standard class ticket up to £125 perperson per day and £1500 in total for travelby air, rail, taxi or public transport.

2. Additional accommodation expensesThe RAC will arrange and pay for additionalaccommodation expenses if you are unable touse your pre-arranged accommodation up to£30 per person per day up to a maximum of£500 for all passengers.

Accommodation where the driver has suitablealternative accommodation that can be used.Cover under this section will stop once:

1. The vehicle has been repaired to aroadworthy condition; or

2. The decision to bring the vehicle home ismade by the RAC or your motor insurer; or

3. Once the RAC establish that the repaircosts to the vehicle exceed its marketvalue.

Once the driver is notified of cover ending, ifthey have a hire car, it must be returned tothe place agreed with the RAC within 24hours. The driver can keep the hire car forlonger if you agree this with the RAC first andpay for it.

Getting your passengers homeThe RAC will provide alternative transport asabove to get the passengers back home if:

1. The vehicle is brought back home underSection D4; or

2. Once the RAC establish that the repaircosts to the vehicle exceed its marketvalue under Section D4.


Your CoverMotor Breakdown

0330 159 0260

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Your CoverSection D. European Motoring Assistance


Section D4: Getting your vehicle homeIf the RAC attend a breakdown or a road trafficcollision in Europe under Section D2 and thevehicle cannot be repaired before the driversplanned return to the UK, the RAC will arrangeand pay for:

1. Recovery of the vehicle to a singledestination of the drivers choice within theUK; and

2. Storage charges for the vehicle whilstawaiting the vehicle to be returned to theUK; or

3. If the vehicle is repaired in Europe, the costof one person to travel to collect the vehicleby standard class rail or air fare and publictransport and a contribution towards roomonly accommodation up to £30 per day;

4. If the cost of repairing the vehicle is greaterthan its market value as a result of abreakdown and it has to be disposed ofabroad under Customs supervision, the RACwill pay the cost of the import duty;

5. Reimbursement for a hire car in the UK oncethe RAC have brought passengers homeunder Section D3 until the vehicle is broughtback to the UK, up to £40 per day and up to£120 in total;

The RAC will take the passengers in the vehiclehome under Section D3 (Onward Travel inEurope).

It is the RAC’s decision whether to get thebroken down vehicle home or have it repairedlocally. The RAC will follow your motor insurer’sdecision whether to get the vehicle home orhave it repaired locally following a road trafficcollision covered by your motor insurance.

1. Any costs:(a) if the vehicle is beyond economical repair;(b) covered under your motor insurance;(c) relating to storage once you have been

notified that the vehicle is ready to collect;and

(d) relating to any costs incurred as a result ofactions or omissions of your motor insurers;

2. The RAC will not take the vehicle back home if:(a) the vehicle is roadworthy; or(b) a customs officer or other official finds any

contents in your vehicle that are not legalin that country;

3. Any import duties not relating to the vehicle,for example relating to items carried in thevehicle;

4. The RAC will not cover the costs of fuel,insurance or meals;

5. The RAC will only cover costs under this sectionup to the market value, so if you want the RACto bring the vehicle home and the costs ofbringing the vehicle home exceed this amountyou will need to pay any costs above thisamount before the RAC make arrangements.

Important• Following authorisation by the RAC, it can take

up to 14 working days for the vehicle to bedelivered back to the UK. At busy times andfrom some countries it may take longer.

If the RAC do not bring the vehicle back to theUK, you will have 10 weeks in which to advise theRAC of how you wish to recover or dispose of it. Ifyou do not contact the RAC within 10 weeks theRAC will dispose of it as they choose.


Your Cover

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Section D5: Vehicle break-in emergencyrepairsBefore claiming under this section the break-inmust be reported to the police within 24 hoursin order to obtain a written report.

If the vehicle suffers damage to windows,windscreens or locks caused by forcible entry orattempted forcible entry, although this is not abreakdown the RAC will pay you back, up to£175 for:

1. immediate emergency costs incurred inorder to continue the journey: or

2. the costs of recovering the vehicle to a localrepairer to ensure the vehicle is secure androadworthy.

1. The cost of any parts; or

2. Any benefits under any other section of yourBreakdown Cover.

Section D. European Motoring Assistance

Section D6: Replacement DriverIf the driver suddenly or unexpectedly falls illduring the journey in Europe, meaning theyare unable to drive, the RAC will provide areplacement driver to allow the journey tocontinue or return home. The RAC will requirewritten confirmation from the treating hospitalor medical expert that the driver is unable todrive.

1. If there is another qualified driver who is apassenger and who is fit and legally able todrive the vehicle.

2. Any benefits under any other section of yourBreakdown Cover.


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General conditions for Section D1. The RAC will not cover any call-out for

any repairs to a vehicle which are notessential in order to continue the journey;

2. Any claim which the driver could makeunder any other insurance policy. If thevalue of the call-out is more than theamount which can be recovered underanother policy the RAC may pay thedifference, subject to the limits as set outin your Breakdown Cover;

3. You must make sure the vehicle meets allrelevant laws of the countries visitedduring a journey;

4. How the exchange rate is calculated:

(a) Any costs incurred directly by the RACin a currency other than GBP will beconverted to GBP at the exchangerate used by them at the time;

(b) Costs incurred by you in a currencyother than GBP which are recoverablewill be converted to GBP either:

(i) at the exchange rate used by yourcredit or debit provider; or

(ii) at the exchange rate used by theRAC when your claim form isreceived if you paid in cash;

5. The RAC will not take responsibility forrepairs carried out at any garage, and thecontract for such repairs will be betweenyou and the garage / repairer.

6. When a hire car, taxi, hotel or similarbenefit is arranged under yourBreakdown Cover, the RAC will always tryto find a suitable option that is availableat the time, however:

(a) the RAC are not responsible for thequality or service of each individualhotel, train or taxi booked; and

(b) for hire cars, whilst reputablecompanies are used, the RAC areunable to and cannot be responsiblefor checking the condition of eachvehicle or the quality of serviceprovided by each company;

7. If, following a breakdown, the vehicleneeds to be repaired, you must not delayor refuse repairs whilst you are in Europe.If you do, and in the reasonable opinionof the RAC that would lead to additionalcosts being incurred, the RAC reserve theright to refuse to provide cover underSection D3 (Onward travel in Europe) orSection D4 (Getting your vehicle home);

8. If you breakdown or the road trafficcollision is caused by flooding broughtabout by adverse weather the RAC willonly arrange for the vehicle to be taken toa local repairer. All further service will bean additional cost paid by you, or must bereferred to the vehicle’s motor insurer;

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General conditions for Section D


9. In handling breakdown call-outs theremay be more than one option available toyou under your Breakdown Cover. TheRAC will decide which is the mostappropriate option based on the expertiseof the RAC in breakdown situations. Indoing so the RAC will act in consultationwith you, and act reasonably at all times;

10. Your Breakdown Cover does not cover:

(a) vehicle storage charges, other thanunder Section D4;

(b) call-outs if you are not carrying aserviceable spare tyre provided by themanufacturer;

(c) the hire of minibuses, motorhomes,motorcycles, caravans, trailers orvans;

(d) overloading of a vehicle under thelaws in any country in which thevehicle is travelling;

(e) breakdowns or road traffic collisionscaused by running out of oil or water,frost damage or rust or corrosion.

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General conditions

The following conditions apply to all sectionsof your Breakdown Cover. If you do notcomply the RAC can refuse cover and/orcancel your Breakdown Cover.

1. You must pay the full price of yourbreakdown policy.

2. You must request services directly fromthe RAC as cover will only be providedwhen they make arrangements to helpyou.

3. Where the breakdown is caused by acomponent failure this must stop thevehicle from working, so for example anair-conditioning failure in itself does notconstitute a breakdown, and theillumination of a warning light does notalways constitute a breakdown. If it doesnot, you will need to take your vehicle toa place of repair and your BreakdownCover will not cover this.

4. The RAC will not cover any claim wherethe vehicle is already at a garage or otherplace of repair.

5. Where the RAC deem, acting reasonably,that you requested service to avoid thecost of repairing the vehicle, or to correctan attempted repair by someone else, theRAC will not provide cover.

6. A driver must be with the vehicle whenthe RAC attend.

7. You are responsible at all times for thecare of your personal belongings,

valuables, luggage and goods in or on avehicle. The RAC will not be responsiblefor any loss of or damage to them.

8. Where the RAC recover passengers underthe age of 16, they must be accompaniedby an adult.

9. The RAC will not allow animals in theirvehicles, except guide dogs. Any animalscan remain in the vehicle at the driver’sown risk. The RAC will not be liable for anyinjury to animals, or damage caused bythem. The RAC will not transport anylivestock. The RAC will not be responsiblefor any costs relating to animals.

10. The vehicle must not carry morepassengers than the number stated in thevehicle’s registration document. Eachpassenger must have a separate fixedseat fitted to the manufacturer’sspecification and any child must occupy aproperly fitted child seat.

11. Where the RAC provide a repair to thevehicle, whilst the RAC are responsible forthat repair, this does not mean that theRAC are confirming the legal androadworthy condition of the vehicle. Thisremains your responsibility.

12. The RAC will not be responsible for anylosses that may incur following abreakdown that are not expressly coveredby your Breakdown Cover. For example,the RAC will not pay for any loss ofearnings or missed appointments.

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General conditionsMotor Breakdown

0330 159 0260

13. The RAC do not guarantee that recoveryto any garage will be during openinghours, or that repairs can startimmediately. Whilst the RAC will try tocheck that the garage will undertake thetype of repairs required, the RAC cannotguarantee this. The RAC will not takeresponsibility for repairs carried out at anygarage and the contract for such repairswill be between you and the garage /repairer.

14. During extreme weather, riots, war, civilunrest, industrial disputes, the RAC’sservices can be interrupted. They willresume their service to you as soon asthey can in these circumstances.

15. The cost of the following is not covered byyour Breakdown Cover:

(a) specialist equipment;

(b) tolls, ferries or congestion charges forthe vehicle and the RAC’s vehicle;

(c) any damage to glass even if thedamage means the vehicle cannot belegally or safely driven. The RAC willarrange transport to a local garage soyou can arrange to get the vehiclefixed but you will have to pay for this;

(d) spare tyres and wheels and repairingor sourcing them; or

(e) recovery by someone other than theRAC even if this is requested by theemergency services.

(f) the RAC will only provide recoveryonce instructed to do so by theemergency services.

16. In handling any claim there may be morethan one option available to the driverunder your Breakdown Cover. The RACwill decide which is the most appropriateoption based on the expertise of the RACin breakdown situations. In doing so theywill act in consultation with the driver,and act reasonably at all times.

17. The vehicle must be privately owned andonly used for any business use other thanhire and reward and/or courier services.

18. Your Breakdown Cover does not cover:

(a) routine servicing, maintenance orassembly of the vehicle;

(b) caravan or trailers, except asdescribed under Section A;

(c) use of your vehicle for business,including for example demonstrating,carrying trade plates, commercialtravelling and use for hire and reward;

(d) breakdowns resulting from activitiesthat are not subject to the normalrules of the road for example rallies,stock car racing, use of theNürburgring or other formal orinformal race events;

(e) breakdowns that occur off the publichighway to which the driver or theRAC have no legal access;

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General conditions

(f) the vehicle if it is not legally taxed,insured and holding a valid MOTwhich is required by law or is notbeing used in line with themanufacturer’s guidelines;

(g) vehicles that are not in a roadworthycondition. If the RAC consider, actingreasonably, that the vehicle is not ina legal or roadworthy condition, theycan refuse to provide service.

(h) if you can demonstrate that thevehicle is roadworthy the RAC willprovide service;

(i) any claim that is or may be affectedby the influence of alcohol or drugs;

(j) any breakdown that is caused by oras a result of vehicle theft or fire; or

(k) any claim under your BreakdownCover where the breakdown was firstreported to the RAC under a differentpolicy.

19. If the driver is asked to review andapprove a document recording thecondition of the vehicle, including anelectronic form, it is their responsibility tomake sure that the record is accurate andcomplete, and the RAC will not beresponsible for any errors or omissions.

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General informationMotor Breakdown

0330 159 0260

Additional BenefitsThe following are provided at no additionalcharge:

Service in the Republic of Ireland

If the vehicle has broken down in theRepublic of Ireland, the RAC will provide aRoadside attendance service only, asdescribed under Section A (Roadside). If yourhome address is in Northern Ireland and youhave purchased Section C (Recovery), the RACwill recover the vehicle to your home, or toanother destination in Northern Ireland if thedistance is less.

Urgent message relay

If the vehicle has broken down and the driverneeds to get in touch with friends and familyurgently, the RAC will get a message to them.

Replacement driver

If the driver becomes ill during a journey inthe UK and no one within the party can drivethe vehicle, the RAC may be able to provide areplacement driver. This service isdiscretionary, and the RAC will decidewhether or not to provide this service.

Additional services

The RAC can provide additional services thatare not included in your Breakdown Coverbut they will charge you for these, forexample to:

1. Purchase the parts you need to get onyour way;

2. Pay for specialist equipment to completethe repairs;

3. Extend the hire time for a replacementcar;

4. Arrange a second or extended recovery; or

5. Attend a mis-fuel event.

If you need extra help, the RAC will agree thecosts up front and will need full paymentbefore they can help. If you took out theBreakdown Cover, you will be responsible forany additional charges so if the RAC helpsomeone under your Breakdown Cover andthey cannot pay, the RAC will invoice you.This is why the RAC request proof of identityat the breakdown.

Cancellation of your BreakdownCover

Your right to cancel

You can cancel your Breakdown Cover withinthe cooling off period, being 14 days from thelater of:

1. the effective date; or

2. the date you receive your BreakdownCover documents.

If you do this, Covéa Insurance will cancelyour Breakdown Cover with immediate effectfrom the day you request it and will refundthe price you paid in full unless a claim hasbeen made within this cooling off period.

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General information

At any time after the 14 day cooling offperiod referred to above, you may cancel yourBreakdown Cover. Cancellations must bemade by contacting your broker. BreakdownCover will be cancelled with immediate effect.You will receive a pro-rata refund of the priceyou paid if no claims have been made. If anyclaims have been made then no refund willbe given.

Our right to cancel

1. If the price of your Breakdown Cover isnot paid, Covéa Insurance will notify youand your Breakdown Cover may becancelled; and

2. Covéa Insurance may cancel theBreakdown Cover in the event of misuseof your Breakdown Cover and there willbe no refund.

Where the RAC cancel your breakdown coveryou will not receive a refund.

Misuse of Breakdown CoverEach driver must not:

1. Behave inappropriately towards the RAC,including acting in a threatening orabusive manner, whether verbally orphysically;

2. Persuade or attempt to persuade the RACinto a dishonest or illegal act;

3. Omit to tell the RAC important factsabout a breakdown in order to obtain aservice;

4. Provide false information in order toobtain a service;

5. Knowingly allow someone that is notcovered by your Breakdown Cover to tryand obtain a service under yourBreakdown Cover;

6. Pay for additional services or goods in theknowledge that the payment has or willfail, with no intention of providingalternative payment.

If these conditions are not complied with, theRAC may:

1. Restrict the cover available to you at thenext renewal;

2. Refuse to provide any services to youunder your Breakdown Cover withimmediate effect;

3. Immediately cancel your BreakdownCover; and

4. Refuse to sell any Breakdown Cover orservices to you in the future.

The RAC may also take any of the additionalsteps as set out above if any claim is found tobe fraudulent in any way. Your BreakdownCover will be cancelled with effect from thedate of the fraudulent act, and the fraudulentclaim forfeited, you will not receive anyrefund. The RAC will notify you in writing ifthey decide to take any of the above steps.

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0330 159 0260

Renewal of Breakdown CoverA new Breakdown Cover may be issued whenyou renew your existing associated motorinsurance policy.

Changes to your detailsYou must let your broker know immediately ifyou need to change anything on yourBreakdown Cover.

Your broker can be contacted as shown onyour schedule.

If you change your vehicle you must callyour broker to update your details. If you donot, you may not be covered.

The RAC will not change your BreakdownCover into someone else’s name. If youcancel your Breakdown Cover for any reason,the whole Breakdown Cover will be cancelledand the vehicle on your Breakdown Coverwill no longer be covered.

All communications from your broker or theRAC shall be deemed duly received if sent toyour last known address.

ComplaintsThe RAC are committed to providingexcellent service. However, the RAC realisethat there are occasions when you feel youdid not receive the service you expected. Ifyou are unhappy with the services relating toyour Breakdown Cover such as services at orfollowing a breakdown, or the includedbenefits please contact the RAC as follows:

Breakdown related Complaints

Phone: 0330 159 0342

In writing: Breakdown Customer CareRAC Financial Services LimitedGreat Park RoadBradley StokeBristol BS32 4QN

Email: [email protected]

Sales and administration Complaints

Please refer to your broker as shown on yourschedule.

A dispute relating to goods or services soldonline can also be submitted to the EuropeanCommission Online Dispute ResolutionService (“ODR”) via their website:http://ec.europa.eu/consumers/odr/. The ODRis a platform which helps customers who havepurchased goods or services online in the EUif a dispute arises. The ODR platform will sendyour complaint to a certified AlternativeDispute Resolution Provider who works withthe parties to solve the problem. Please note:for qualifying financial services productspurchased in the UK this will be the UK’sFinancial Ombudsman Service.

Financial Ombudsman ServiceIn the event that the RAC cannot resolveyour complaint to your satisfaction under thecomplaints process set out above, you may incertain circumstances be entitled to refer yourcomplaint to the Financial OmbudsmanService at the following address:

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General information

Phone: 0800 023 4567 or 0300 123 9123

In writing: The Financial Ombudsman ServiceExchange TowerLondon E14 9SR

Email: [email protected]

Website: www.financial-ombudsman.org.uk

The Financial Ombudsman Service will onlyconsider your complaint once you have triedto resolve it with the RAC.

Using this complaints procedure will notaffect your legal rights.

Financial Services CompensationSchemeRAC Insurance Limited is covered by theFinancial Services Compensation Scheme(FSCS). If it is unable to meet its obligationsunder the relevant sections of cover, you maybe entitled to compensation from the FSCS.

Further information about FSCSarrangements is available from the FSCSwebsite www.fscs.org.uk, or by writing to:

Financial Services Compensation Scheme10th Floor,Beaufort House,15 St Botolph Street,London EC3A 7QU

The cover provided by RAC Motoring Servicesunder your Breakdown Cover is not coveredby the FSCS.

LawThe parties are free to choose the lawapplicable to your Breakdown Cover. Unlessspecifically agreed to the contrary, thiscontract will be subject to the laws of Englandand Wales. Unless otherwise agreed, thecontractual terms and conditions (includingyour Breakdown Cover and your scheduleand other information relating to thiscontract will be in English.

Your Data Data protection statement

For the purposes of the UK Data ProtectionLaws that apply from time to time, the datacontroller in relation to the personal data youand/or your broker supplies to the RAC is RACMotoring Services (RACMS). This enables yourbroker to provide you with a quotation, foryou and the RAC to enter into a contract forRAC Breakdown Cover, in making a requestfor service or benefit, and for administeringthe RAC Breakdown Cover.

RACMS (Registered No: 01424399)Registered Office is RAC House, BrockhurstCrescent, Walsall, WS5 4AW. You can contactthe Data Protection Officer for RACMS byemailing [email protected] or writing to the DataProtection Officer, RAC House, Great ParkRoad, Bradley Stoke, Bristol BS32 4QN.

RACMS obtains your personal data from yourbroker when your broker provides RACMS forthe purposes set out below. RACMS alsoobtains your personal data when you contactthe RAC directly in relation to your RAC

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0330 159 0260

Breakdown Cover. Please be aware that theRAC may record telephone calls for stafftraining and evidential purposes.

The categories of your personal data that theRAC obtain about you are:

• name;

• policy number;

• vehicle registration number;

• vehicle manufacturer;

• vehicle model;

• DVLA date of vehicle first registration;

• contact details;

• vehicle location data; and

• in very limited circumstances, certainsensitive personal data, includinginformation on health and wellbeing, thatyou provide the RAC from time to time.

RACMS processes your personal data for thefollowing purposes and its other legitimateinterests in order to:

• provide you with a quote for cover;

• provide you with a contract for cover;

• fulfil your contract for cover;

• administer your RAC Breakdown Cover;and

• contact you to provide you with theservices that form part of your RACBreakdown Cover

In most cases, processing the aboveinformation is necessary for the performanceof a contract to which you are party or inorder to produce a quotation at your requestprior to entering into a contract. The RACmay also process information to comply witha legal obligation, or where the processing isnecessary for the purposes of the RAC’slegitimate interests, for example to reducethe risk of payment default and fraudulentabuse or to undertake research and statisticalanalysis.

RACMS may use your personal data to makeautomated decisions to calculate, evaluate orpredict the performance of your RACBreakdown Cover. If you have any concernsregarding the outcome of these checks,please let RACMS know.

Please note that, if you do not provide yourpersonal data, the RAC will be unable toprovide you with the RAC Breakdown Coveryou are requesting, as well as services relatedto administering your RAC Breakdown Cover.

RACMS will share the personal data youprovide with its group companies†. RACgroup companies (RACGC) will use this foradministration and customer services. RACGCmay disclose your personal data to the RAC’sservice providers and agents for thesepurposes.

RACGC retains your personal data for so longas is necessary for the RAC to process yourpersonal data for the purposes and legitimateinterests set out above.

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General information

RACGC may transfer your personal dataoutside of the European Economic Area, forexample to Asia. RACGC will only do thiswhere it is necessary for the conclusion orperformance of a contract between you andthe RAC, or that RACGC enter into at yourrequest, in your interest. In the event thatRACGC transfers your personal data outsideof the European Economic Area for any otherreason, it shall ensure that appropriate andapproved data transfer clauses or certificationmechanisms are in place with the relevantrecipient of your personal data.

When you give the RAC personal informationabout another person, you confirm that theyhave authorised you to act for them, that youhave their consent to act on their behalf (forexample, under a power of attorney) and useof their personal data in the mannerdescribed in this notice and to receive ontheir behalf any data protection notice.

RACGC or our agents may undertake checksagainst publicly available information (suchas electoral roll, county court judgments,bankruptcy orders or repossessions). Similarchecks may be made in assessing any claimsmade. RACGC may monitor and record anycommunications with you includingtelephone conversations and emails forquality assurance and compliance reasons.

You have a number of rights in relation toyour personal information that you canchoose to exercise at any time. This includesyour right to:

• access information the RAC process aboutyou to obtain a copy of the data as wellas receive supplementary information;

• object to the RAC using particularinformation or using it in a particular way.You can let the RAC know that you objectto it and the RAC will consider whetheryour request can be granted;

• rectify inaccurate information, which inmost cases you can do this simply bygetting in touch with your broker;

• erase your data if the RAC no longer havea legitimate basis for processing it;

• port data to another data controller or toyou in a structured, commonly used andmachine readable format.

The RAC have provided a basic overview ofthose rights above, but if you would like tofind out more or exercise any of these rightsyou can contact the RAC Data ProtectionOfficer on the contact details shown at thetop of this privacy notice.

In addition to the rights set out above youhave the right to raise a privacy complaintwith the Information Commissioner’s Officer(ICO). The ICO will usually require you tohave approached RACMS first to try to resolvethe matter.

† If you would like a list of all RAC groupcompanies, please write to or email the DataProtection Officer.

27


Notes

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Notes

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Notes

COVEA

0 95 80 0

0 50 100 0

20 0 0 75V :

V

COVEA INSURANCENº dossier : 20110324E

Date : 8/12/11

alidation DA/DC

alidation Client

Covea Insurance plcRegistered Office: Norman Place, Reading, Berkshire, RG1 8DARegistered in England and Wales No. 613259Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No. 202277

Your Breakdown CoverProvided by the RAC

0330 221 0444

www.coveainsurance.co.uk

Covéa InsuranceNorman PlaceReadingRG1 8DA

P118H 05/18

This policy is underwritten by RAC Motoring Services (registered in England No. 01424399) and/or RAC Insurance Limited (registered in England No. 2355834) both with registered office of RAC House, Brockurst Crescent, Walsall WS5 4AW

RAC Motoring Services are regulated by the Financial Conduct Authority No. 310208

RAC Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No. 202737

your breakdown cover - covéa · 1 your breakdown cover consists of: 1. a breakdown policy – one...

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