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Gold: Roadside Assistance, Home Start and Nationwide Recovery


Definition of area of Home Start and National cover

These policies will cover you when you are travelling anywhere in the United Kingdom for Roadside Assistance, National Recovery and Home start service.

The United Kingdom is defined as England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

 

What is covered


Roadside assistance

In the event of 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 or repairs, we will arrange and pay for local recovery.

 

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.

 

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 motor homes up to 7m long and 3m high, 2.3m wide, any caravan or trailer, and the driver and up to 7 passengers to the nearest suitable garage within a 25 mile radius.

 

National recovery

In the event of 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 beneficiaries to be recovered to anywhere in the UK. The above recovery service will be also be available should you be taken ill and you cannot continue your journey due to there being no other beneficiaries who can drive the vehicle.

 

Onward travel

In the event of 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.

 

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.

 

 
 

Important

Do you use your vehicle to travel to Europe? Have a look at our Local, National, Homestart & EU policy
 
 

 

Please also refer to the general conditions and general exclusions applying to all sections.

Compare levels of cover

 

Image sourced from Google: Labelled for reuse with modification.

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Terms & Conditions:

14 day Money Back Guarantee
Your policy has a 14 day cooling off period from the date of purchase. During this time you can cancel the policy and receive a full refund by simply returning your policy certificate. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not been started. Refunds will be returned within 7 working days of the cancellation.

How OTIS handle your Payment
In selling this European breakdown insurance, OTIS will take your payment via a secure payment provider. We will hold your policy premium on behalf of insurers. Once we have received your premium you are eligible for cover.

How to claim
Please refer to your policy summary or your policy document if you need to make a claim. You should contact the specified claims handlers as soon as possible.

Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs following a breakdown of a vehicle. Subject to terms, conditions and maximum specified claim limit. Please ensure that you read the policy wording to ensure that the policy will supply you with a sufficient level of cover.

Documentation you will receive from us
Once you have successfully completed your purchase you will be sent an email confirming the details of your purchase together with your policy certificate. If you selected to receive your documentation by post, this will be sent to you within 1-2 working days.

Your Right To Cancel
We hope you are happy with the cover this policy provides. However, if upon reflection this, insurance does not meet your requirements, please return it to us within fourteen days of issue and we will refund your policy premium. You are not eligible for a refund if your policy has already begun or if you intend to make a claim under the policy. For short term trips of less than 30 days in duration an adminstration fee of up to £10 will be charged for cancellations made within the 14 day cooling off period.

Confidentiality
All personal information about you will be treated as private and confidential except where the disclosure is made at your request, with your consent, in relation to arranging your insurance or where we are required to by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to insurance and/or other companies for underwriting and claims purposes.

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually.

Your Duty to Give Information to Insurers

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the risk or the terms offered have been disclosed. The duty to disclose information continues during the life of the policy, and at renewal you must make sure you inform your insurer of any changes affecting your insurance. Your policy must be purchased prior to your trip commencing, and must originate from within the United Kingdom.

You are responsible for all answers or statements on proposal forms, claim forms or other material documents and you should ensure these are full and accurate. Failure to disclose material information at the start of the policy or advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions) and ensure that it meets all of your requirements. you may already possess alternative insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/policy cancellation section.



PLEASE ENSURE THAT YOU HAVE READ YOUR POLICY WORDINGS CAREFULLY. FAILURE TO COMPLY WITH THE TERMS AND CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.

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