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Breakdown Cover from one of Europe's larger insurers, Ageas, for vehicles up to and inc 15 years of age towing caravans and trailers with three levels of cover available for a whole year with prices starting from £29.99* for roadside assistance and local recovery
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Cover For:
The policy provides cover for 1 calendar year and is for a vehicle which is 15 years old or less on the day the cover commences, which is no longer than 5.5 metres; no heavier than 3,500 kilograms; no higher than 3 metres and no wider than 2.3 metres.
If the vehicle you are in breaks down while you are towing a caravan or trailer, we will recover the vehicle and the caravan or trailer (up to 7m in lenght excluding the A-frame and tow bar) on trips of any duration in length subject to 5 claims during the period of cover.
Levels of cover
Roadside Assistance
In the event of a breakdown more than 1 mile from your home address, we will organise and pay to attend the vehicle in order to effect repairs. We will pay for up to a maximum 30 minutes labour. If we are unable to effect repairs, we will arrange and pay for local recovery.
Local Recovery
In the event that the vehicle cannot be repaired or remobilised following our roadside assistance, we will arrange and pay for the costs of taking the vehicle, including any caravan or trailer, and the driver and up to 7 passengers to the nearest suitable garage within a 25-mile radius.
Message Relay Service
We will pass on urgent messages to your family, business or friends if your journey has been delayed due to the breakdown/immobilisation of the vehicle.
Gold cover includes all sections in Bronze cover and the following:
Homestart assistance
In the event of breakdown either at your home address or less than a mile from your home address, we will organise and pay to attend the vehicle for up to a maximum of 30 minutes in order to effect repairs. If we are unable to effect repairs or repairs will take longer than 30 minutes, we will arrange and pay for local recovery.
National recovery
In the event of a breakdown in the UK causing it to be immobilised for a period of more than 4 hours, and subject to us having first provided assistance we will organise and pay for you and up to 7 passengers to be recovered to anywhere in the UK. The above recovery service will also be available should you be taken ill and you cannot continue your journey due to there being no other passengers who can drive the vehicle. You will need to produce some form of medical certificate for this (in this case we will provide the service at our discretion).
Onward travel
In the event of a breakdown of the vehicle in the UK causing it to be immobilised for a period of more than 4 hours, we will organise and pay for the following:
* Rail transport, or equivalent costs of more convenient travel, to enable the beneficiaries to return or continue to any destination of the passengers’ choice within the UK; or
* Overnight hotel, bed and breakfast accommodation, up to £75 including VAT per passenger and up to £250 in total. Overnight hotel accommodation only applies if the breakdown of the vehicle occurs more than 50 miles from the home address of any of the beneficiaries and only when the beneficiaries have to prolong their stay as a direct result of the covered breakdown; or
* Temporary replacement vehicle during the time that the vehicle remains immobilised up to a maximum of 2 days (where possible an equivalent vehicle, up to Group C, will be provided up to a maximum of £50 per day). Please note the cost of any personal accident insurance is not covered. You must be able to satisfy the requirements of the vehicle hire company and you will be responsible for fuel and other ancillary charges. The replacement vehicle will normally be a passenger car and will not necessarily be an equivalent to the vehicle. The temporary replacement vehicle will only be provided where we have arranged the recovery of the vehicle to an authorised repairer.
In addition to all the levels of cover shown above, Platinum will also cover you in Europe.
European local recovery/roadside assistance
In the event of a breakdown in Europe, we will organise and pay for the costs of taking the vehicle to the nearest and/or most appropriate dealership should roadside assistance prove unsuccessful. Subject to us having first provided local recovery or roadside assistance in Europe, you will then be entitled to the following benefits in Europe:
* In the event of breakdown in Europe where the vehicle cannot be repaired within a period of 8 hours, we will organise and pay for rail transport or equivalent costs of more convenient travel, to enable the passengers to return to their homes in the UK or continue their journey to their original destination within Europe up to £750; or
* In the event of breakdown causing the vehicle to be immobilised for a period of more than 8 hours, we will organise and pay for hotel bed and breakfast accommodation as from the first day of such breakdown, up to a maximum of £75 per passenger per night, up to a maximum of £750 in total; or
* In the event of breakdown causing the vehicle to be immobilised for a period of more than 8 hours, we will pay for the cost of a temporary replacement vehicle, up to Group C, during the time that the vehicle remains immobilised, up to a maximum of £750 including VAT. Please note the cost of any personal accident insurance is not covered. You must be able to satisfy the requirements of the vehicle hire company and you will be responsible for fuel and other ancillary charges. The replacement vehicle will normally be a passenger car and will not necessarily be an equivalent to the vehicle.
European vehicle repatriation
If your vehicle cannot be repaired in Continental Europe or if the repairs will not be completed before your intended return date to the UK we will arrange and pay for the repatriation of your vehicle to the authorised dealer. The maximum amount payable will not exceed the market value of your vehicle.
European vehicle collection
We will pay up to £600 in total for reasonable transport costs for one beneficiary to travel from the UK to collect the vehicle and bring it back to your home address.
European vehicle storage
We will pay up to £100 in total for the cost of storing the vehicle before and after the repair has been done until it can be collected or returned to the UK.
European parts delivery
In the event that we have arranged to take the vehicle to an authorised repairer for repairs, and any parts essential to the running of the vehicle are not available locally, we will organise and pay for the despatch of such parts to the repairing dealership.
European caravans and trailers
If the vehicle is immobilised due to a covered breakdown when towing a caravan or trailer, we will arrange for your caravan or trailer to be taken near to the repairer. We will not, however, be liable for any goods, possessions or livestock being transported.
Image: Highways Agency Under licence.