RAC Van Insurance - document.secureinsure.uk.comdocument.secureinsure.uk.com/rac/policywording/RAC-opex-wording.pdf · RAC Van Insurance Motor Legal Care is intended to cover you

RAC Van Insurance Optional Extra Policy Wordings

rac.co.uk

Index

p1 Motor legal care policy summary

p8 Substitute Van 14 days

p15 Substitute Van 28 days

p18 Substitute Van

p22 Tools in Transit £1000



p43 Motor excess protect, £300 excess

p49 Motor excess protect, £500 excess

p56 Breakdown – excluding Europe

p63 Breakdown – including Europe

1

RAC Van Insurance – Motor Legal Care policy summary

Policy Terms & Conditions

PLEASE READ AND KEEP FOR YOUR RECORDS

Contents

Policy Summary 2

How to Claim 3

RAC Van Insurance Motor Legal Care Terms and Conditions 3

Your Right to Change the Policy 3

Definitions of Words 3

Policy Benefits 4

General Exclusions 5

Conditions 5

Complaints 7

Compensation Scheme Arrangements 7

Data Protection Act – Information Uses 7

Call Information and Charges

7

2

RAC Van Insurance Motor Legal Care Policy

Summary Significant Features

Significant and

Unusual

Exclusions or

This policy summary provides you with basic information

about your policy and the cover provided. It does not

contain the full terms and conditions of the policy, which

can be found later in this policy booklet.

Who Provides RAC Van Insurance Motor Legal Care

Cover and Benefits Limitations

Section B

- Non-

Insured

benefits

RAC Insurance Limited provides the cover under

section A.

RAC Motoring Services provides the services under

section B.

Type of Insurance and Cover

RAC Van Insurance Motor Legal Care is intended to cover

you and nominated persons usually living at the same

address as you for the costs of making a claim against

another person who is at fault for a road traffic accident. It

also provides a motoring legal helpline. It also covers

passengers' costs of making a claim against another

person who is at fault for a road traffic accident.

Summary of Cover

The policy booklet outlines the features and benefits of the

cover provided under your policy. The following table is a

summary of the cover and benefits available as well as the

1: Motoring

legal

helpline

Law

We will provide you

with a motoring

legal helpline for

initial legal advice

relating to the use of

a motor vehicle in

the UK, Jersey,

Guernsey and the

Isle of Man.

We are unable

to provide any

legal advice in

relation to any

business or

commercial

matter, judicial

review or any

additional legal

advice where, in

our opinion, we

have already

given you the

options

available to you.

significant and unusual exclusions or limitations for each

section of cover. Please refer to the defined terms later in

this booklet for explanations of certain words and

phrases.

Significant and

Unusual

The parties are free to choose the law applicable to this

insurance policy. Unless specifically agreed to the

contrary, this contract will be subject to the laws of

England and Wales.

Duration of Policy

The policy will remain in force for the same period of

Significant Features Exclusions or cover as set out in your RAC Van Insurance policy

Cover and Benefits Limitations

Section A – Insured benefits

schedule covering you for liabilities arising out of the use

of a motor vehicle on a road or other public place.

Your rights to change your policy 1: Recovery

of

uninsured

losses:

We will

cover you

up to a

maximum

of £100,000

per legal

claim if our

legal

claims

handler

appoints a

legal

representa

tive.

We will cover you

and your passengers

against the legal

costs of legal

proceedings

incurred in

connection with the

pursuit of a legal

claim for uninsured

losses sustained in

the territory during

the period of

insurance following

a road traffic

accident or accident,

for which you or

your passengers

were not at fault and

for which another

party was at fault.

We will only

provide

representation

if, in our legal

claims

handler’s

opinion, there is

a 51% or

greater chance

of success.

Cover may be

refused or

discontinued if

such prospects

do not, or no

longer, exist.

We will not

provide cover

for appeals.

A limit of

£100,000 per

legal claim

applies to this

section.

For any changes you require to make to your RAC Van

Motor Legal Expenses insurance, including cancellation,

please see your RAC Van Insurance Policy wording and

schedule

Contact details for notifying a claim

Please see page 5.

Complaints about the Insured Benefits (section A)

Complaints should be made using the following details:

- Call: 0330 332 8315

- Email:

[email protected]

- Quality Assurance TeamMotorPlus Limited Kircam House Whiffler Road

Complaints about the Motoring Legal Helpline (section B)

Norwich NR3 2AL


Email: [email protected]

Call: 0800 0514568;

RAC Legal Customer Care

RAC House

Great Park Road

Bradley Stoke

Bristol BS32 4QN

mailto:[email protected]


3

Financial Ombudsman Service

If your complaint is not resolved to your satisfaction, you

may in certain circumstances be entitled to refer your

complaint to the Financial Ombudsman Service. The

Financial Ombudsman Service will only consider your

complaint once you have tried to resolve it with us.

We will always endeavour to resolve your complaint to

your satisfaction.

Financial Services Compensation Scheme

RAC Insurance Limited is covered by the Financial

Services Compensation Scheme (FSCS). If it is unable to

meet its obligations under section 1 or 2, you may be

entitled to compensation from the FSCS.


03 numbers are charged at national call rates and are

usually included in your inclusive minutes plan. For our

joint protection, calls may be recorded and/or monitored.

How to Claim

To make a claim for recovery of uninsured losses under

section A, you must first call us on 0330 332 8315. Failure

to do so may affect the benefits available to you under this

policy.

To request motoring legal advice under section B, you can

call 0330 159 0231.

If you have any problems reading this policy booklet you

can contact us on 0330 332 8311 for a large font or Braille

version.

The RAC accident helpline is operated by MotorPlus

Limited, authorised and regulated by the Financial

Conduct Authority. The motoring legal helpline (section

B) is operated by RAC.

RAC Van Insurance Motor Legal Care Terms

and Conditions

Any words in this policy booklet that are in bold type are

defined. Please see the Definition of Words which explains

the meaning of each defined term.

This RAC Van Insurance Motor Legal Care policy is

intended to provide cover for the costs of making a claim

against another person who is at fault for a road traffic

accident or accident. It also provides you with a motoring

legal helpline. It meets the demands and needs of those

who wish to ensure such risks relating to road traffic

accidents are met now and in the future.

This policy booklet contains the benefits, conditions and

exclusions that apply to the policy. You must meet these

conditions or we may not provide you with cover.

Please read this policy booklet and the schedule carefully

to ensure it meets your demands and needs. If you have

any questions or would like more information, please contact us on 0330 332 8311.

Please ensure these documents are kept in a safe place. If

you cannot find any of your documents, call us on 0330

332 8311 to request a replacement.

This policy booklet together with the schedule is the

contract of insurance between you and RAC Insurance

Limited in respect of cover provided under section A of

'Policy Benefits' and RAC Motoring Services in respect of

cover provided under section B of 'Policy Benefits'.

Use of language

Unless otherwise agreed, the contractual terms and

conditions (including this policy booklet and the schedule)

and other information relating to this contract will be in

English.

Law

The parties are free to choose the law applicable to this

policy. Unless specifically agreed to the contrary, this

contract will be subject to the laws of England and Wales.

Who is covered

This policy covers the policyholder and each other

insured named on the schedule when they are driving or

are a passenger in a motor vehicle. It also covers any

passenger in a motor vehicle being driven by a

policyholder or any other insured named on the

schedule, but only for the insured benefits set out in

section 1 of the Policy Benefits.

Each insured must comply with the terms and conditions

under this policy. Any failure of an insured to do so may

impact on their rights and the rights of any other insured

under this policy, including whether any insured can make

a claim. The policyholder should ensure that each

insured named on the schedule is made aware of this.

Limits of cover

Your cover under this policy is subject to limits as set out

below in the applicable sections.

Your rights to change your policy

For any changes you require to make to your RAC Van

Motor Legal Expenses insurance, including cancellation,

please see your RAC Van Insurance Policy wording and

Schedule.

Other Changes to the policy terms and conditions

In addition to our right to review the terms and conditions

for policies at the end of the period of insurance if the

policyholder renews the policy, we can make changes to

the policy terms and conditions at any time:

1. To respond proportionately to changes in general law

in the territory or Europe or decisions of the Financial

Ombudsman Service;

2. That are necessary to meet regulatory requirements;

3. To reflect new industry guidance and codes of practice

which increase the standards required for consumer

protection; and/or

4. To make the policy terms and conditions clearer and

fairer to you.

Any change to the policy terms and conditions (together

with the reasons for such changes) will be notified to the

policyholder at least 21 days in advance of the date that

the change is due to take effect. We recommend the

policyholder notifies any insured that is affected by the

change.

If the change disadvantages any insured, the policyholder

may cancel the policy immediately by contacting us.

Definition of Words

Certain words in this policy have special meanings. These

words and their meanings are listed below and apply

wherever they are in bold type

4

“insured/"you"/"your"”

i) the policyholder;

ii) any person named on the schedule who principally

resides at the same address as the policyholder;

or

iii) in respect of section 1 (insured benefits) of the

Policy Benefits only, any person when carried as a

passenger in any vehicle being driven by the policyholder, or any other person named on the

schedule who principally resides at the same

address as the policyholder;

“legal claim”

means a claim from an insured relating to an incident

which our legal claims handlers or our appointed legal

representative accept as falling within the terms of this

policy;

“legal claims handler”

means RAC Accident Helpline, operated by MotorPlus


Conduct Authority, or another representative of RAC;

“legal costs”

means the reasonable, proportionate and properly

incurred fees, expenses, costs and disbursements incurred by or on behalf of an insured and authorised by

our legal claims handler in pursuing or defending a legal

claim and/or the reasonable costs of a third party for

which the insured is either held liable by court order or

are agreed by us and which are incurred in connection with legal proceedings;

“legal proceedings”

means the pursuit of a legal claim for an insured's

uninsured losses either by negotiation or by civil, tribunal

or arbitration proceedings within a court in the territory;

“legal representative”

means the solicitors or other qualified experts appointed

by our legal claims handler to act for an insured provided

that such solicitors or experts satisfy the following

conditions:

1. They agree to fund all disbursements and not to

claim for the same until the end of the case;

2. They agree not to submit any claim for legal costs

until the end of the case and try to recover alllegal costs from the other party in the action; and

3. They agree to report in writing to our legal claims

handler on any substantive development in the

progress of the legal claim;

“motor insurance policy”

means the policyholder's RAC Van insurance policy

covering the policyholder for liabilities arising out of the

use of a motor vehicle on a road or other public place,

provided any such policy is valid at the time of an incident

which gives rise to a claim under this policy;

“period of insurance”

means the period during which you are covered by this

policy, as specified in the schedule;

“policyholder”

means the person named as such on the schedule;

“RAC"/"we"/"us"/"our”

means RAC Insurance Limited in respect of section A of

‘Policy Benefits’ and RAC Motoring Services in respect of

section B of ‘Policy Benefits’, and each of their authorised

agents;

“road traffic accident”

means an incident involving a vehicle including an incident

affecting a passenger in such a vehicle, during the period

of insurance on a public highway or on a private road or a

car park to which the public has an uninterrupted right of access for which you and/or your passengers were not at

fault and for which another party was at fault;

“schedule”

means the document issued to you by RAC Van Insurance

containing important details about your RAC Van

Insurance policy, which must be read in conjunction with

these terms and conditions;

“territory”

In the case of Section 1 (Uninsured Loss Recovery) means

[the United Kingdom] and:

- Albania, Andorra, Armenia, Austria, Azerbaijan,

Belarus, Belgium, Bosnia Herzegovina, 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 islands of

the above, (except overseas territories outside of

Europe),Jersey, Guernsey and the Isle of Man.

In the case of Section 2 (Motoring Legal Helpline):

- United Kingdom, Jersey, Guernsey and the Isle of

Man;

“uninsured losses”

means losses directly arising out of a road traffic

accident when you are driving a motor vehicle or are a

passenger in any motor vehicle where such losses are not

otherwise covered by insurance and either damage occurs

to a vehicle and/or any personal effects owned by you (or

your passengers) and/or you (or your passengers) suffer

death or bodily injury; and

“United Kingdom”

means England, Scotland, Wales and Northern Ireland.

Policy Benefits

Section A – Insured benefits

1. Uninsured Loss Recovery

What is covered

We will cover your legal costs incurred by you in relation

to legal proceedings in respect of a legal claim for

uninsured losses sustained following an accident or

following a road traffic accident when you are driving a

motor vehicle or are a passenger in any motor vehicle for which you were not at fault and which another party was

at fault, in the territory during the period of insurance as

set out below.

5

Our legal claims handler will negotiate to recover your

uninsured losses in relation to a legal claim which in our

legal claims handler’s opinion has a 51% or greater

chance of success.

If our legal claims handler appoints a legal

representative in relation to such legal proceedings, we

will cover the costs of the legal representative up to

£100,000 per legal claim sustained by you in the territory.

What is not covered

We will not cover any claims arising from medical

treatment or care received by you, nor any costs not

approved in advance by our legal claims handler.

Section B - Non-Insured benefits

1. Motoring Legal Helpline

What is covered

We will provide the following helpline services which are

open 24 hours a day, seven days a week all year round.

You can contact us on 0330 159 0231.

You have access to a telephone legal helpline which will

provide you with initial legal advice in relation to the use

of a vehicle within the territory. Where possible we will

advise what your legal rights are, which options are

available to you and how best to implement them and/or

whether you need to consult with a lawyer.

What is not covered

We are unable to provide any legal advice in relation to

any matter related to a trade, business or profession,

judicial review or any additional legal advice where, in our

opinion, we have given you the options available to you.

General Exclusions

The following exclusions apply to your RAC Van Insurance

Motor Legal Care policy:

1. We will not provide cover for appeals.

2. We will not cover legal costs:

a) incurred before our legal claims handler has

confirmed acceptance of the legal claim in

writing;

b) exceeding any amount approved by us or our legal

claims handler or in any event above the limits of

cover set out in this policy;

c) incurred in respect of legal proceedings if in our

legal claims handler’s expert opinion, there is not

a 51% or greater chance of success. Cover may be

refused or discontinued if such prospects do not,

or no longer, exist;

d) incurred in respect of legal proceedings arising

from alcohol, drugs or parking related offences;

e) for legal claims directly or indirectly, caused by,

contributed to or arising from:

i) faults in the vehicle or faulty, incomplete or

incorrect service, maintenance or repair of

the vehicle; or

ii) a road traffic accident occurring during a

race, rally or competition;

f) incurred following a payment into court or offer to

settle by a third party unless we or our legal

claims handler has authorised you in writing to

continue with the legal claim after the payment

into court or offer to settle or you are ultimately

awarded or settle for more than the amount of the

payment in or offer to settle;

g) incurred if you withdraw instructions from the

legal representative or from the legal

proceedings without our legal claims handler’s

prior consent, unless our legal claims handler's

consent is withheld without good reason. This isnot intended to restrict your right to choose a

legal representative in the event of a conflict of

interest, or where it becomes necessary to issue

court proceedings;

h) for any expert witness unless previously agreed byour legal claims handler;

i) where you are responsible for any delay which is

prejudicial to the legal claim or where you fail to

give proper instructions in due time to our legal

claims handler or the legal representative;

j) where you have pursued a legal claim without our

legal claims handler’s consent or in a different

manner from that advised by the legal

representative; or

k) for you to obtain a second opinion if you do not

agree with the decision of the legal claims

handler or us that the legal claim is not covered

under this policy.

3. We will not cover any claim where the event giving

rise to the claim occurred prior to this policy being

purchased or (if applicable) prior to the date when you

were added as a named person on the schedule.

4. We will not provide any service under this policy if we

are prevented from doing so in circumstances beyond

our reasonable control including, without limitation,

an act of terrorism, severe weather conditions, the

activities of civil or government authorities, third party

industrial disputes or internal industrial disputes. In

these circumstances we will take steps to prevent or

minimise the effects of such circumstances.

5. We will not cover any claim to the extent that it

exceeds the limit of cover set out in the applicable

section of the policy benefits.

Conditions

The following conditions apply to this RAC Van Insurance

Motor Legal Care policy:

1. You must report a legal claim to us as soon as

possible and in any event no later than 180 days after

the date that the insured making the claim knew or

should have known about the legal claim.

2. During the course of any legal claim you must take all

available steps to recover the legal costs in the legal

proceedings;

3. During the course of the legal claim we and our legal

claims handler will have the right of direct access to

the legal representative.

4. We or our legal claims handler will appoint any legal

representative from our panel; however, in the event

that the legal claim is not settled by negotiation and it

6

becomes necessary to start court proceedings or if

there is a conflict of interest, you do not have to

continue to instruct the legal representative

nominated by us or our legal claims handler and you

may propose another legal representative by sending

to our legal claims handler the name and address of

the suitably qualified legal representative you

propose. If our legal claims handler does not agree

with your choice of legal representative you may

propose another who must meet the conditions set

out in the definition of legal representative. If our

legal claims handler is still unable to agree with the

insured on a suitable legal representative, it will ask

the Law Society, or another body of similar standing, to name a further legal representative. You and our

legal claims handler must accept this nomination. In

the meantime, our legal claims handler may appoint

a legal representative to act on your behalf to

safeguard your interests.

5. You must not incur or enter into an agreement to

incur any costs, including those incurred with the legal representative, without our legal claims

handler’s prior acceptance. In order to use this

benefit, the legal representative must act for you in

accordance with our legal claims handler’s standard

terms of appointment which are available upon

request.

6. You must co-operate at all times in the completion of

any necessary documentation and/or provision of

information requested either by our legal claims

handler or by the legal representative. You must also

not do anything which may prejudice a legal claim or

our legal claims handler’s position in respect of the

legal claim.

7. Disputes with us, our legal claims handlers or any

legal representatives under this policy will not be

covered except as provided for under our complaints

procedure. Any such disputes in respect of the

acceptance, refusal, control or handling of any legal

claim under this policy may be referred to arbitration,

which will be decided by counsel, or an appropriate

body, chosen jointly by our legal claims handler and

you.

8. You shall take all reasonable steps to:

a) prevent any occurrence which may give rise to a

legal claim; and

b) mitigate the losses that arise from an incident leading to a legal claim and throughout the

duration of such legal claim.

9. You shall forward any accounts for legal costs as

soon as they are received and, if required to do so by

our legal claims handler, shall have such legal costs

taxed, assessed or audited by the appropriate court or

authority.

10. We or our legal claims handler may take over and

conduct the legal claim and may, subject to your

interests, settle the legal claim in your name. In

addition, we or our legal claims handler may decide

not to commence or to terminate legal proceedings at

any time and pay you up to or equal to the amount you

are claiming for or the amount being claimed againstyou.

11. Every written notice or communication shall be sent

to you at the last address known to us or our legal

claims handler.

Misuse of policy

You must not:

1. Behave inappropriately towards any representative of

the RAC by, including but not limited to, acting in a

threatening or abusive manner, whether verbally or

physically; or

2. Misuse the policy by, including but not limited to, any

of the following:

a) persuading or attempting to persuade any

representative of the RAC into a dishonest or

illegal act;

b) false or fraudulent actions or dishonesty or any

act or omission which is wilful misuse or

unlawful;

c) providing false information in order to obtain a

service that would not otherwise be covered under

the policy;

d) knowingly allow, or not take reasonable care to

prevent, someone not covered by the policy

attempting to obtain a service under this policy.

In the event that this condition is not complied with, we

will contact the policyholder to discuss our concerns and

if the concerns are not dealt with within a reasonable time

or cannot be dealt with we reserve the right to:

1. Restrict the cover available to the policyholder at the

next renewal;

2. Restrict the payment methods available to thepolicyholder;

3. Refuse to provide any services to any insured under

this policy with immediate effect;

4. Immediately cancel this policy in accordance the

cancellation provisions; and/or

5. Refuse to sell any services or policies in the future.

We will notify the policyholder in writing in the event that

we decide to take any action outlined above.

If any claim is found to be fraudulent in any way the policy

will be cancelled immediately and all claims forfeited and

we may also take any of the additional steps as set out

above.

7

How to contact us

For general enquiries about the policy, including changes

we need to know about and renewals please contact us as

follows:

1. Call us on 0330 332 8311 ; or

2. Write to us at:

RAC Van Insurance

Sundance House

Staniland Way

Peterborough

PE4 6JT

If you contact us in writing please provide your full name,

contact telephone number, policy number and, where

applicable, the vehicle registration number. Please be

prepared to provide the same information if you call us.

If you have any problems reading this policy booklet you

can contact our customer services department on 0330

332 8311 for a large font or Braille version.

Complaints

We are committed to providing you with the highest

standard of service and customer care. We realise,

however, there may be occasions when you feel you did

not receive the standard of service you expected. If you

would like to complain about any aspect of the service we

have provided to you under the policy please contact us as

set out below. Please bring the complaint to our attention

as soon as you can as this will assist us and you to resolve

the complaint as quickly as possible.

Complaints about the Insured Benefits (section A)


Call: 0330 332 8315

Email:

[email protected] Quality Assurance Team MotorPlus Limited Kircam House

Whiffler Road

Norwich NR3 2AL

Complaints about the Motoring Legal Helpline (section B)



Call: 0800 0514568;

RAC Legal Customer Care

RAC House

Great Park Road

Bradley Stoke

Bristol BS32 4QN

If you contact us in writing or by email please provide your

full name, contact telephone number, policy number and,

where applicable, the vehicle registration number. Please

be prepared to provide the same information if you call us.

Financial Ombudsman Service

In the event that we or our legal claims handler cannot

resolve your complaint to your satisfaction under the

complaints process set out above, you may in certain

circumstances be entitled to refer your complaint to the

Financial Ombudsman Service at the following address:

The Financial Ombudsman Services

Exchange Tower

London

E14 9SR

The Financial Ombudsman Service will only consider your

complaint once you have tried to resolve it with us or our

legal claims handler.

If your complaint relates to any provision of services

provided by RAC Motoring Services under Sections B of

the 'Policy Benefits', you will not be able to refer your

complaint to the Financial Ombudsman Service.

Using this complaints procedure will not affect your legal

rights.


Arrangements

RAC Insurance Limited (in relation to Section A of the

'Policy Benefits') is covered by the Financial Services

Compensation Scheme (FSCS). If it is unable to meet its

obligations, you may be entitled to compensation from the

FSCS.

Further information about FSCS arrangements is

available from the FSCS website www.fscs.org.uk, or by

writing to:


10th Floor

Beaufort House

15 St Botolph Street

London

EC3A 7QU

The benefits provided by RAC Motoring Services under

Section B of this policy are not covered by the FSCS.

Data Protection Act – Information Uses

Data protection statement

For information about how we will use your data, please

see your main RAC Van motor insurance policy.


03 numbers are charged at national call rates and are

usually included in your inclusive minutes plan. For our

joint protection, calls may be recorded and/or monitored.

The RAC accident helpline is operated by MotorPlus


Conduct Authority.



http://www.fscs.org.uk/

8

RAC Van Insurance – Substitute Van 14 Days This Policy has been arranged by Motorplus Limited & underwritten by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority and is an insurers’ agent and in the matters of a claim, act on behalf of Great Lakes Reinsurance (UK) SE. Registered in England No. SE000083. Registered Office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Great Lakes Reinsurance (UK) SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can check this on the Financial Services Register by visiting www.fca.org.uk/register, or by telephoning 0800 111 6768.

Subject to the appropriate premium having been paid the Insurer agrees to cover You as set out in this policy.

Unless expressly stated nothing in this policy will create rights pursuant to the Contracts (Rights of Third Parties) Act 1999.

Important Information

This is Your Substitute Van Policy. Please spend some time reading through the policy to ensure that it meets Your requirements. If there is anything You do not understand, please contact Us. We will be happy to assist.

This is a contract of insurance between You and Great Lakes Reinsurance (UK) SE. The insurance provided canprovide alternative transport, subject to the terms, limits of indemnity, exclusions and conditions contained herein, in respect of an Insured Incident which occurs within the Territorial Limit and during the Period of Insurance for which You have paid or agreed to pay the premium.

What is a Substitute Van?

Even if You are comprehensively insured, a road accident or the theft of Your Van which causes it to be written off can leave You without suitable transport. Where alternative transport is provided, it will often only be a small courtesy car provided by the repairer.

Demands and Needs


This policy meets the demands and needs of customers who want to insure against the risk of needing alternative transport when their Van is unavailable for certain reasons. Motorplus Limited does not make any personal recommendation as to whether this policy will suit Your individual circumstances.

PLEASE NOTE THAT IT IS A CONDITION OF THIS COVER THAT AT ALL TIMES YOUR VAN IS COVERED BY A POLICY OF MOTOR INSURANCE.

http://www.fca.org.uk/register

9

Cancellation Right

If You decide that for any reason that this policy does not meet Your insurance needs, then please return it to the insurance broker or agent who provided this policy to You within 14 days from the day of purchase or on the day You receive Your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, We will then refund Your premium in full. If You wish to cancel your policy after 14 days You will not be entitled to a refund.

The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 30 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:

a) Fraud;b) Non‐payment of premium;c) Threatening and abusive behaviour;d) Non‐compliance with policy terms and conditions.

Provided the premium has been paid in full You will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.

Making a Claim 24/7

Note that all claims must be reported to Us within 48 hours of the date of the Insured Incident.

If You need to notify a potential claim, please immediately contact Our Claims Department:

CALL 0333 241 9556

Or

EMAIL [email protected]

Or write to

Motorplus Claims Kircam House 5 Whiffler Road Norwich NR3 2AL

Please quote Substitute Van in all communications.

If Your Van is stolen or involved in an accident, fire or is vandalised, write down as many details as possible including the names and addresses of anyone else involved and any information provided by the police. If We accept Your claim, We will arrange for the delivery to You of a suitable Substitute Van, which You can use for the period of time described below.

If Your Van was destroyed in circumstances which were not Your fault, We may seek to recover the costs of providing the Substitute Van from the responsible party or their insurers. We would do this through Our Claims Centre.

REMEMBER The claims line is open 24 hours a day, 365 days a year.


10

14

Definitions

The words and phrases listed below will have the following meanings:

We, Us, Our Motorplus Limited.

You, Your The person who has taken out this Policy.

Insured Person

You and any other person driving the Insured Van with Your permission and under the cover of Your motor insurance providing they satisfy the Hire Firm's standard terms and conditions of hire in force at the date of the Insured Incident and also providing that they are resident within the Territorial Limit.

Insurer UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE UK General Insurance Limited are an insurers agent and in the matters of a claim act on behalf of Great Lakes Reinsurance (UK) SE.

Insured Van The Van specified in the Policy Schedule.

Substitute Van A replacement Van selected by Us and having an equivalent engine capacity to the Insured Van but not exceeding a Ford Transit type (Class PV2) in any event.

Van Hire Costs The cost of hiring a Substitute Van for one continuous Hire Period.

Hire Period The period from the date a Substitute Van is delivered to You until the earliest of the following dates:

a) where the Insured Van is Written Off, the date when You receive a payment which You accept in respectof the value of the Insured Vehicle; or

b) where the Insured Van is Written Off, and You receive an offer of settlement in respect of the InsuredVan which We consider reasonable, but which You want to reject, the date on which We notify You ofOur opinion; or

c) where the Insured Van is stolen and recovered and found to be immediately driveable, the date theInsured Van is recovered; or

d) where the Insured Van is stolen and recovered and found to be repairable, the date when You areadvised that the Insured Van is repairable; or

e) where Your claim is declined by Your motor insurers, the date when You receive notification of this fact;

or

f) the end of the th

day of hire.

NOTE – Hire is calculated on the basis of a 24 hour period. For example, if a vehicle is delivered at 3pm on Monday, the end of the fourth day would be 3pm on Friday; 5pm on Friday would be deemed to be the fifth day of hire.

Hire Firm A member of Our network of approved Van hire companies.

11

Territorial Limit The United Kingdom.

Period of Insurance 12 calendar months from the date of inception of this Policy.

Written Off

The Insured Van being assessed as being both undriveable and damaged beyond the point where it would be economical to fund its repair. In the event that the Insured Person is comprehensively insured, such assessment must be made by their motor insurers. In the event that the Insured Person's motor insurance is not comprehensive, such assessment will be made by Us or (if the Insured Person is not responsible for the accident) by the insurers of the party responsible for the accident.

Insured Incident Either:

a) the theft of the Insured Van where it remainsunrecovered; or

b) an accident, fire or act of malicious damage involving the Insured Van, or the theft or attempted theft ofthe Insured Van, which causes the Insured Van to be Written Off.

This Policy Will Cover

1. Where the Insured Van has been Written Off as a result of an Insured Incident arising during the Periodof Insurance, subject to the Terms and Conditions We will arrange for the supply to You of a SubstituteVan for the duration of the Hire Period and We will pay the Van Hire Costs provided that the hire hasbeen arranged by Us through a Hire Firm. Where You notify Us at the time that You report an InsuredIncident to Us that You wish to opt for an alternative cash payment, We will pay to You the sum of £150.

2. The Substitute Van will be delivered to You as soon as is practically possible and in any event within oneworking day of Your report of an Insured Incident to Us.

3. You may ask for the Substitute Van to be delivered to You at any convenient place within the TerritorialLimit.

4. If at the time that You report the Insured Incident to Us, You advise Us that You wish to opt for a monetary payment as an alternative to Your entitlement to a Substitute Van, We will arrange to send Youa cheque for £150.

This Policy Will Not Cover

1. We will not pay Van Hire Costs for claims arising out of more than one Insured Incident in any one Periodof Insurance.

2. We will not be able to supply a Substitute Van to any person who does not meet the Hire Firm's standardterms and conditions of hire in force at the date when You report the Insured Incident to Us.

3. We will not pay Van Hire Costs incurred before Our written acceptance of a claim or where the InsuredPerson arranges their own hire.

4. We will not supply a Substitute Van if You are a taxi driver, private hire driver, courier or motor traderunless the Substitute Van is used solely for Your personal use.

5. We will not supply a Substitute Van where the Insured Van is used for racing, rallies or competitions.

6. We will not supply a Substitute Van where there is any allegation that the Insured Incident arose at atime when the Insured Person had consumed alcohol or illegal drugs.

7. We will not supply a Substitute Van where as a result of the incident You report to Us, the Insured Van isnot Written Off.

8. We will not supply a Substitute Van where the Insured Van is not insured for the compulsory RTA risks.

12

General Conditions and Exclusions

1. In the event of the theft of the Insured Van, or any other Insured Incident which is or may arise from acriminal act, You must, when reporting to Us, provide Us with the name, address and telephone numberof the police station to which the crime has been reported and supply the crime reference number whichhas been allocated by the police.

2. The Insured Incident must be reported to Us within 48 hours of occurrence and must be subject to aclaim under the Insured Person's own motor policy.

3. The Insured Person must abide by the Hire Firm's terms and conditions of hire at all times during the HirePeriod.

4. The Insured Person must pay the insurance excess arising on any claim relating to the Substitute Vanwhich arises during the Hire Period, or pay a collision damage waiver. Full details of this will be madeavailable before hire commences.

5. We will select a Hire Firm for You, and arrange for them to supply a Substitute Van suitable for Yourneeds.

6. You must ensure that the Insured Van remains insured for the compulsory RTA risks for the full term of this policy.

7. The Insured Person must agree to Our trying to recover the Van Hire Costs in his or her name from anythird party from whom they may be recoverable, including if necessary by issuing and pursuing civil legalproceedings, or including the Van Hire Costs in any claim for other losses being pursued in the name oftheInsured Person.

8. We can take over and conduct such a claim and/or proceedings in the Insured Person's name at any time.9. We can negotiate any such claim on behalf of an Insured Person.

10. If You opt to receive a monetary payment You will not be entitled to claim for the provision of aSubstitute Van or any other benefit which this Policy may provide. The monetary payment will constitutethe conclusion of Your claim, and You will not be entitled to make any further claim under this Policywhether arising from the same Insured Incident or not.

11. Any Van Hire Costs recovered in such a claim must be paid to Us or to Our order.

12. You must keep Us fully informed at all times of all matters relating to the Insured Incident and inparticular must notify Us immediately if an Insured Van which has been stolen is recovered or if Youreceive a cheque in settlement of the value of an Insured Van.

13. This Policy is written in English.

14. Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, itwill only be dealt with in the courts of England or of the country within the United Kingdom in which Yourmain residence is situated.

15. If You make any request for payment under this policy knowing it to be fraudulent or false in any respect

or ought reasonably in the circumstances to know it to be fraudulent or false this policy shall become void

and any premiums paid hereunder shall be forfeited and We shall be entitled to recover any monies

previously paid.

How to make a complaint

We hope that you are completely happy with this policy and the service that you receive, however if you do have any reason to make a complaint, please contact us.

If your complaint relates to the sale of this policy, please contact your insurance broker.

If your complaint relates to a claim please contact us via the following address and telephone number:

Quality Assurance ManagerMotorplus Limited Kircam House Whiffler Road NORWICH NR3 2AL

Telephone: 0333 241 9556

13

It will assist us in handling your complaint quickly if you can please have your claim reference available when you call us.

If for any reason it is not possible for us to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This applies if you are an individual, or in a business capacity if your annual turnover is up to EUR 2,000,000 (or equivalent in sterling) and you have fewer than 10 members of staff. You can contact the Financial Ombudsman Service at:

The Financial Ombudsman Service Exchange TowerLondon E14 9SR

Telephone: 0800 023 4567Email: [email protected]: www.financial-ombudsman.org.uk


Great Lakes Reinsurance (UK) SE is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the event that Great Lakes Reinsurance (UK) SE cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can obtain further information about compensation scheme arrangements from the FSCS by visiting www.fscs.org.uk.

Consumer Insurance (Disclosure & Representations) Act 2012

You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 to take care to supply accurate and complete answers to all questions and to make sure that all information supplied to Us is true and correct. You must tell Us of any changes to the answers You have given as soon as possible. Failure to advise Us of a change to Your answers may mean that Your Policy is invalid and that it does not operate in the event of a claim.

You must contact Your insurance broker or agent immediately in the event that there is a change to Your circumstances, as follows:

You change Your address;

You are convicted of a criminal offence or receive a police caution;

You have insurance refused, declined, cancelled or terms applied by another insurance provider.


14

Data Protection Act 1998

Please note that any information provided to Us will be processed by Us and Our agents in compliance with

the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if

any, which may necessitate providing such information to third parties. We may also send the information in

confidence for process to other companies acting on their instructions including those located outside the

European Economic Area, some of which may not have equivalent Data Protection laws.

We may obtain information about You from credit reference agencies, fraud prevention agencies and similar organisations to enable Us to check Your credit status and identity. These agencies will record Our enquiries, which may be seen by other companies who make their own credit enquiries.

We may also check Your details with fraud prevention agencies.

If You provide false or inaccurate information and We suspect fraud, We will record Our concerns. We and other organisations may use these records to help make decisions on insurance proposals and claims, prevent fraud, recover debt and check Your identity to prevent money laundering.

Under Data Protection legislation, You can ask Us in writing for a copy of certain personal records held about You. Please write to Motorplus, Kircam House, Whiffler Road, Norwich, NR3 2AL. A charge of £10 will be made.


15

RAC Van Insurance – Substitute Van 28 days

This Policy has been arranged by Motorplus Limited & underwritten by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.



Subject to the appropriate premium having been paid the Insurer agrees to cover You as set out in this policy.

Unless expressly stated nothing in this policy will create rights pursuant to the Contracts (Rights of Third Parties) Act 1999.



This is a contract of insurance between You and Great Lakes Reinsurance (UK) SE. The insurance provided canprovide alternative transport, subject to the terms, limits of indemnity, exclusions and conditions contained herein, in respect of an Insured Incident which occurs within the Territorial Limit and during the Period of Insurance for which You have paid or agreed to pay the premium.

What is a Substitute Van?

Even if You are comprehensively insured, a road accident or the theft of Your Van which causes it to be written off can leave You without suitable transport. Where alternative transport is provided, it will often only be a small courtesy car provided by the repairer.

Demands and Needs


This policy meets the demands and needs of customers who want to insure against the risk of needing alternative transport when their Van is unavailable for certain reasons. Motorplus Limited does not make any personal recommendation as to whether this policy will suit Your individual circumstances.

PLEASE NOTE THAT IT IS A CONDITION OF THIS COVER THAT AT ALL TIMES YOUR VAN IS COVERED BY A POLICY OF MOTOR INSURANCE.


16

Cancellation Right


The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 30 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:

a) Fraud;b) Non‐payment of premium;c) Threatening and abusive behaviour;d) Non‐compliance with policy terms and conditions.


Making a Claim 24/7

Note that all claims must be reported to Us within 48 hours of the date of the Insured Incident.


CALL 0333 241 9556

Or


Or write to


Please quote Substitute Van in all communications.

If Your Van is stolen or involved in an accident, fire or is vandalised, write down as many details as possible including the names and addresses of anyone else involved and any information provided by the police. If We accept Your claim, We will arrange for the delivery to You of a suitable Substitute Van, which You can use for the period of time described below.

If Your Van was destroyed in circumstances which were not Your fault, We may seek to recover the costs of providing the Substitute Van from the responsible party or their insurers. We would do this through Our Claims Centre.



17

Definitions

The words and phrases listed below will have the following meanings:

We, Us, Our Motorplus Limited.

You, Your The person who has taken out this Policy.

Insured Person You and any other person driving the Insured Van with Your permission and under the cover of Your motor insurance providing they satisfy the Hire Firm's standard terms and conditions of hire in force at the date of the Insured Incident and also providing that they are resident within the Territorial Limit.

Insurer UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE UK General Insurance Limited arean insurers agent and in the matters of a claim act on behalf of Great Lakes Reinsurance (UK) SE.

Insured Van The Van specified in the Policy Schedule.

18

14

RAC Van Insurance – Substitute Van

A replacement Van selected by Us and having an equivalent engine capacity to the Insured Van but not exceeding a Ford Transit type (Class PV2) in any event.

Van Hire Costs The cost of hiring a Substitute Van for one continuous Hire Period.

Hire Period The period from the date a Substitute Van is delivered to You until the earliest of the following dates:

c) where the Insured Van is Written Off, the date when You receive a payment which You accept in respectof the value of the Insured Vehicle; or

d) where the Insured Van is Written Off, and You receive an offer of settlement in respect of the InsuredVan which We consider reasonable, but which You want to reject, the date on which We notify You ofOur opinion; or

e) where the Insured Van is stolen and recovered and found to be immediately driveable, the date theInsured Van is recovered; or

f) where the Insured Van is stolen and recovered and found to be repairable, the date when You areadvised that the Insured Van is repairable; or

g) where Your claim is declined by Your motor insurers, the date when You receive notification of this fact;

or

h) the end of the th

day of hire.

NOTE – Hire is calculated on the basis of a 24 hour period. For example, if a vehicle is delivered at 3pm on Monday, the end of the fourth day would be 3pm on Friday; 5pm on Friday would be deemed to be the fifth day of hire.

Hire Firm A member of Our network of approved Van hire companies.

Territorial Limit The United Kingdom.

Period of Insurance 12 calendar months from the date of inception of this Policy.

Written Off

The Insured Van being assessed as being both undriveable and damaged beyond the point where it would be economical to fund its repair. In the event that the Insured Person is comprehensively insured, such assessment must be made by their motor insurers. In the event that the Insured Person's motor insurance is not comprehensive, such assessment will be made by Us or (if the Insured Person is not responsible for the accident) by the insurers of the party responsible for the accident.

Insured Incident Either:

a) the theft of the Insured Van where it remainsunrecovered; or

b) an accident, fire or act of malicious damage involving the Insured Van, or the theft or attempted theftof the Insured Van, which causes the Insured Van to be Written Off.

19


Where the Insured Van has been Written Off as a result of an Insured Incident arising during the Periodof Insurance, subject to the Terms and Conditions We will arrange for the supply to You of a SubstituteVan for the duration of the Hire Period and We will pay the Van Hire Costs provided that the hire hasbeen arranged by Us through a Hire Firm. Where You notify Us at the time that You report an InsuredIncident to Us that You wish to opt for an alternative cash payment, We will pay to You the sum of £150.

The Substitute Van will be delivered to You as soon as is practically possible and in any event within oneworking day of Your report of an Insured Incident to Us.

You may ask for the Substitute Van to be delivered to You at any convenient place within the TerritorialLimit.

If at the time that You report the Insured Incident to Us, You advise Us that You wish to opt for a monetary payment as an alternative to Your entitlement to a Substitute Van, We will arrange to send Youa cheque for £150.


We will not pay Van Hire Costs for claims arising out of more than one Insured Incident in any one Periodof Insurance.

We will not be able to supply a Substitute Van to any person who does not meet the Hire Firm's standardterms and conditions of hire in force at the date when You report the Insured Incident to Us.

We will not pay Van Hire Costs incurred before Our written acceptance of a claim or where the InsuredPerson arranges their own hire.

We will not supply a Substitute Van if You are a taxi driver, private hire driver, courier or motor traderunless the Substitute Van is used solely for Your personal use.

We will not supply a Substitute Van where the Insured Van is used for racing, rallies or competitions.

We will not supply a Substitute Van where there is any allegation that the Insured Incident arose at a time when the Insured Person had consumed alcohol or illegal drugs.

We will not supply a Substitute Van where as a result of the incident You report to Us, the Insured Van isnot Written Off.

We will not supply a Substitute Van where the Insured Van is not insured for the compulsory RTA risks.

General Conditions and Exclusions

In the event of the theft of the Insured Van, or any other Insured Incident which is or may arise from acriminal act, You must, when reporting to Us, provide Us with the name, address and telephone numberof the police station to which the crime has been reported and supply the crime reference number whichhas been allocated by the police.

The Insured Incident must be reported to Us within 48 hours of occurrence and must be subject to a claim under the Insured Person's own motor policy.

The Insured Person must abide by the Hire Firm's terms and conditions of hire at all times during the HirePeriod.

The Insured Person must pay the insurance excess arising on any claim relating to the Substitute Vanwhich arises during the Hire Period, or pay a collision damage waiver. Full details of this will be madeavailable before hire commences.

We will select a Hire Firm for You, and arrange for them to supply a Substitute Van suitable for yourneeds.

You must ensure that the Insured Van remains insured for the compulsory RTA risks for the full term of this policy.

The Insured Person must agree to Our trying to recover the Van Hire Costs in his or her name from anythird party from whom they may be recoverable, including if necessary by issuing and pursuing civil legalproceedings, or including the Van Hire Costs in any claim for other losses being pursued in the name ofthe Insured Person.

We can take over and conduct such a claim and/or proceedings in the Insured Person's name at any time. We can negotiate any such claim on behalf of an Insured Person.

20

If You opt to receive a monetary payment You will not be entitled to claim for the provision of aSubstitute Van or any other benefit which this Policy may provide. The monetary payment will constitutethe conclusion of Your claim, and You will not be entitled to make any further claim under this Policywhether arising from the same Insured Incident or not.

Any Van Hire Costs recovered in such a claim must be paid to Us or to Our order.

You must keep Us fully informed at all times of all matters relating to the Insured Incident and inparticular must notify Us immediately if an Insured Van which has been stolen is recovered or if Youreceive a cheque in settlement of the value of an Insured Van.

This Policy is written in English.

Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, itwill only be dealt with in the courts of England or of the country within the United Kingdom in which Yourmain residence is situated.

If You make any request for payment under this policy knowing it to be fraudulent or false in any respector ought reasonably in the circumstances to know it to be fraudulent or false this policy shall become voidand any premiums paid hereunder shall be forfeited and We shall be entitled to recover any moniespreviously paid.






Tel: 0333 241 9556





21

The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau.


Great Lakes Reinsurance (UK) SE is covered by the Financial Services Compensation Scheme (FSCS). Youmay be entitled to compensation from the scheme in the event that Great Lakes Reinsurance (UK) SEcannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can obtain further information about compensation scheme arrangements from the FSCS by visiting www.fscs.org.uk.



You must contact Your insurance broker or agent immediately in the event that there is a change to Your circumstances, as follows: You change Your address;















22

RAC Van Insurance – Tools in Transit £1000




Subject to the appropriate premium having been paid the Insurer agrees to cover the Insured as set out in this Policy.

Unless expressly stated nothing in this Policy will create rights pursuant to the Contracts (Rights of Third Parties) Act 1999.


This is Your Tools in Transit insurance policy. Please spend some time reading through this Policy to ensure that it meets Your requirements. If there is anything You do not understand, please contact Us. We will be happy to assist.

This is a contract of insurance between You and Great Lakes Reinsurance (UK) SE.

Demands and Needs

This Policy meets the demands and needs of customers who want to insure against the risk of loss or destruction of or damage to portable hand tools or portable power driven tools which are used or required in the course of Your business, whilst being loaded or unloaded from or carried in or on the Insured Vehicle. This Policy will cover You for up to £1000.

Motorplus Limited does not make any personal recommendation as to whether this Policy will suit Your individual circumstances.

Cancellation Right


The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 30 days’ notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:


23

Fraud; Non‐payment of premium; Threatening and abusive behaviour; Non‐compliance with policy terms and conditions.


Making a Claim 24/7

If You need to notify a potential claim, please contact Our Claims Department immediately:

CALL 0333 241 9553

Please quote “Tools in Transit” in all communications.

REMEMBER: The claims line is open 24 hours a day, 365 days a year.

Definitions

The words and phrases listed below will have the following meanings wherever they appear in italics in this document:

Consequential Loss Any other costs that are directly or indirectly caused by the event which led to a claim unless specifically stated in this Policy.

Coverholder/We/Us/Our Motorplus Limited who administer and manage this insurance on behalf of the Insurer.

Excess £100 being the amount which shall be borne by the Insured in

respect of each and every claim arising out of any one event

Insured vehicle The motor vehicle detailed on the Policy Schedule which is owned and operated or driven by the Insured. The vehicle must be insured under a motor insurance policy issued by an authorised UK motor insurer, in respect of compulsory insurance requirements set out by the Road Traffic Act 1988 (and amendments).

Insurer

UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE. UK General InsuranceLimited is an insurers' agent and in the matters of a claim act on behalf of Great Lakes Reinsurance (UK) SE.

Insured/Insured's/You/Your The person who has taken out this Policy, who is named on the Policy Schedule.

Period of Insurance Twelve calendar months from the date of inception of this Policy, as detailed on the Policy Schedule.

Money Cash, bank notes, currency notes, cheques, bankers’ drafts, postal orders, money orders, current postage stamps and revenue stamps, National Savings stamps and certificates, holiday saving stamps, luncheon vouchers, credit, Company sales vouchers, VAT, purchase invoices, prize bonds, bills of exchange, giro, cheques and drafts, gift tokens, trading stamps, unused units in franking machines, consumer redemption vouchers, credit cards and cash dispenser cards.

24

Property

Portable hand tools or portable power driven tools which are used or required during the course of Your insured business activities within the Territorial Limits.

Temporarily Housed Property not permanently stored within Your vehicle.

Territorial limits The United Kingdom of Great Britain and Northern Ireland.

Sum Insured £1000 being the maximum amount payable by the Insurer in respect of Any One Claim and in aggregate for all claims made during any Period of Insurance.

The maximum amount payable in respect of any one item shall be limited to the sum insured or £1,500, whichever is less.


The Insurer will by payment (or at the Insurer’s option by repair reinstatement or replacement) indemnify the Insured (subject to evidence of purchase) if any part of the Property be lost destroyed or damaged within the Territorial Limits during the Period of Insurance.

Property is insured only whilst being loaded in or upon, carried by, Temporarily Housed in or upon, or being unloaded from an Insured Vehicle.

The liability of the Insurer in respect of any claim arising out of any one event shall not exceed the Sum Insured.

The Insured must, at their own expense, take all reasonable precautions to prevent any loss or destruction of, or damage to property which may give rise to a claim against this Policy.


The Insurer shall not be liable for:

1. the Excess which is payable by the Insured;

2. loss of market, loss of profits, delay, or any Consequential Loss;3. loss of sheets, ropes, packing materials, damaged securing chains or toggles;4. Property warehoused at a rental or under a contract for storage and distribution;

5. Money and securities;

6. jewellery, watches, furs, cameras, radios, televisions, record players, cassette players, video and otherelectronic equipment;

7. personal belongings of the Insured or of any vehicle drivers or attendants;8. Property carried by or dispatched by the Insured for hire or reward;

9. damage to Property arising as a result of packing which was inadequate to withstand normal handlingduring transit;

10. damage caused to Property in open vehicles owned or operated by the Insured caused by atmospheric orclimatic conditions unless the Property is protected by vehicle sheets;

11. damage to Property caused by or arising from wear and tear, depreciation, deterioration, mildew, moth,vermin, manufacturer’s defect, mechanical or electrical breakdown, failure or derangement unlessexternal damage has occurred;

12. Property forming part of or attaching to the Insured Vehicle;13. claims where You have failed to check on Property left in an unattended vehicle for more than 48 hours;14. claims that arise from Your negligent act;

25

15. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion,revolution, insurrection, military or usurped power, confiscation, requisition, seizure or destruction by any government or any public authority;

16. damage to any Property whatsoever or any loss or expense whatsoever resulting or arising therefrom orany Consequential Loss directly or indirectly caused by or contributed to or arising from:

a) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclearwaste or from the combustion of nuclear fuel. The radioactive toxic explosive or other hazardous orcontaminating properties of any nuclear installation reactor or other nuclear assembly or nuclearcomponent thereof;

b) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction orradioactive force or matter;

c) the radioactive, toxic, explosive or other hazardous or contamination properties of any radioactivematter. The exclusion in this sub‐clause does not extend to radioactive isotopes other than nuclear fuelwhen suchisotopes are being prepared carried stored or used for commercial agricultural medicalscientific orother similar peaceful purposes;

1. damage to Property directly occasioned by pressure waves caused by aircraft and other aerial devicestravelling at sonic or supersonic speeds;

2. terrorism; or, steps taken to prevent, suppress, control or reduce the consequences of any actual,attempted, anticipated, threatened, suspected or perceived terrorism.

For the purpose of this exclusion “terrorism” means any act of any person or group of persons or organisation involving the causing occasioning or threatening of harm of whatever nature and by whatever means or putting the public or any section of the public in fear, in circumstances in which it is reasonable to conclude that the purpose of the person or group of persons or organisation concerned is wholly or partly of a political religious ideological or similar nature.

If the Insurer asserts that any loss damage liability or expense is not covered by reason of this exclusion it shall be for the Insured to prove the contrary.

Conditions

1. Vehicle Security Requirements

Unattended Vehicle: No claim will be admitted for theft from any vehicle not individually attended unless:

a) all doors, windows and other openings are left closed securely locked and properly fastened and anyadditional security measures (e.g. vehicle alarm, where present) have been activated; and

b) entry or access to the vehicle has been effected by forcible and violent means.

You must carry out a security check of the unattended vehicle every 48 hours whilst Property is contained within it. If You are unable to check the vehicle every 48 hours You must remove the Property from the vehicle.

Overnight Requirement (applicable between the hours of 10:00pm and 6:00am): No claim will be admitted for theft in respect of Property left in or on any unattended vehicle for the night except where such vehicle is protected in accordance with any other vehicle security requirements specified herein and is either garaged in a building which is securely closed and locked or parked in a compound secured by locked gates or if the vehicle is alarmed and is parked on the Insured’s driveway off‐road adjacent to the private house.

The overnight requirement shall not apply whilst You are undertaking work at a customer's premises between the hours of 10:00pm and 6:00am. The unattended vehicle requirement shall apply at all times whenever Your vehicle in unattended.

2. Assignment

This Policy is between and binding upon the Insurer and the Insured and their respective successors in title. However, the Policy may not be otherwise assigned by the Insured without prior written consent.

26

3. Governing Law

Unless some other law is agreed in writing, this Policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated.

Claims Conditions

1. If a claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured oranyone acting on their behalf to obtain any benefit under this Policy or if any damage is occasioned by the wilful act or with the connivance of the Insured, then the policy shall become void and any premiums paidhereunder shall be forfeited and the Insurer reserves the right to recover any monies previously paid. Wemay also share this information with the appropriate law enforcement authorities.

2. On the discovery of any circumstance or event which may give rise to a claim under this Policy theInsured shall:

a) notify the coverholder by calling 0333 241 9553 as soon as possible.

b) give immediate notice to the police in respect of damage caused by malicious person or thieves ifinsured by this Policy.

c) in the case of damage caused by riot or civil commotion, notice of such damage must be immediatelynotified to Us and no later than seven days from the occurrence. If You fail to notify Us of suchdamage within seven days of the riot or civil commotion which led to the damage occurring, then Wehave the right to refuse to pay Your claim.

d) provide to the Insurer at Your own expense;

i. full information in writing of the claim;

ii. details of any other insurance relating to the claim;

iii. all such proofs, information, explanation and other evidence (including the production ofarticles alleged to be damaged) as may be reasonably required; and

iv. if demanded ‐ a statutory declaration of the truth of the claim and of any matter connected

with it.

1. No claim under this Policy shall be payable unless the terms of Claims Condition 2 have been compliedwith.

2. The Insured shall at the Insurer’s request and expense, do and concur in doing and permit to be done, all such acts and things as may be necessary or reasonably required by the Insurer for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Insurer shall be or would become entitled or subrogated upon the Insurer paying for or making good any loss under this Policy whether such acts and things shall be or become necessary or required before orafter the Insurer indemnifies the Insured.

3. If at the time of any claim there is any other insurance covering the Insured’s interests in the Propertythe Insurer’s liability under this Policy shall be limited to any excess over the sum recoverable or whichbut for the existence of this Policy would be recoverable under such insurance.

4. Any difference under this Policy shall be referred to arbitration in accordance with the statutoryprovisions currently in force and the making of an award shall be a condition precedent to any right of action against the Insurer. Any claim for which the Insurer has disclaimed liability shall for all purposes be deemed to have been abandoned and not recovered thereafter unless referred to arbitration under theseprovisions within one year from the date of such disclaimer.






Telephone: 0333 241 9553

27






Great Lakes Reinsurance (UK) SE is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme in the event that Great Lakes Reinsurance (UK) SE cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can obtain further information about compensation scheme arrangements from the FSCS by visiting www.fscs.org.uk.


Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area, some of which may not have equivalent Data Protection laws.




28




Under Data Protection legislation, You can ask Us in writing for a copy of certain personal records held about You. Please write to Motorplus, Kircam House, Whiffler Road, Norwich, NR3 2AL. A charge of £10 will be made


29










Demands and Needs



Cancellation Right




30

Fraud; Non‐payment of premium; Threatening and abusive behaviour; Non‐compliance with policy terms and conditions.


Making a Claim 24/7


CALL 0333 241 9553



Definitions



Coverholder/We/Us/Our Motorplus Limited who administer and manage this insurance on behalf of the Insurer.



Insured vehicle The motor vehicle detailed on the Policy Schedule which is owned and operated or driven by the Insured. The vehicle must be insured under a motor insurance policy issued by an authorised UK motor insurer, in respect of compulsory insurance requirements set out by the Road Traffic Act 1988 (and amendments).

Insurer

UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE. UK General InsuranceLimited is an insurers' agent and in the matters of a claim act on behalf of Great Lakes Reinsurance (UK) SE.




31

Property



















20. damage caused to Property in open vehicles owned or operated by the Insured caused by atmospheric orclimatic conditions unless the Property is protected by vehicle sheets;

17. damage to Property caused by or arising from wear and tear, depreciation, deterioration, mildew, moth,vermin, manufacturer’s defect, mechanical or electrical breakdown, failure or derangement unlessexternal damage has occurred;

18. Property forming part of or attaching to the Insured Vehicle;19. claims where You have failed to check on Property left in an unattended vehicle for more than 48 hours;20. claims that arise from Your negligent act;

32

21. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion,revolution, insurrection, military or usurped power, confiscation, requisition, seizure or destruction by any government or any public authority;

22. damage to any Property whatsoever or any loss or expense whatsoever resulting or arising therefrom orany Consequential Loss directly or indirectly caused by or contributed to or arising from:

d) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclearwaste or from the combustion of nuclear fuel. The radioactive toxic explosive or other hazardous orcontaminating properties of any nuclear installation reactor or other nuclear assembly or nuclearcomponent thereof;

e) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction orradioactive force or matter;

f) the radioactive, toxic, explosive or other hazardous or contamination properties of any radioactivematter. The exclusion in this sub‐clause does not extend to radioactive isotopes other than nuclear fuelwhen suchisotopes are being prepared carried stored or used for commercial agricultural medicalscientific orother similar peaceful purposes;

3. damage to Property directly occasioned by pressure waves caused by aircraft and other aerial devicestravelling at sonic or supersonic speeds;

4. terrorism; or, steps taken to prevent, suppress, control or reduce the consequences of any actual,attempted, anticipated, threatened, suspected or perceived terrorism.



Conditions



c) all doors, windows and other openings are left closed securely locked and properly fastened and anyadditional security measures (e.g. vehicle alarm, where present) have been activated; and

d) entry or access to the vehicle has been effected by forcible and violent means.




2. Assignment


33

3. Governing Law


Claims Conditions

3. If a claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured oranyone acting on their behalf to obtain any benefit under this Policy or if any damage is occasioned by thewilful act or with the connivance of the Insured, then the policy shall become void and any premiums paidhereunder shall be forfeited and the Insurer reserves the right to recover any monies previously paid. Wemay also share this information with the appropriate law enforcement authorities.

4. On the discovery of any circumstance or event which may give rise to a claim under this Policy theInsured shall:

e) notify the coverholder by calling 0333 241 9553 as soon as possible.

f) give immediate notice to the police in respect of damage caused by malicious person or thieves ifinsured by this Policy.

g) in the case of damage caused by riot or civil commotion, notice of such damage must be immediatelynotified to Us and no later than seven days from the occurrence. If You fail to notify Us of suchdamage within seven days of the riot or civil commotion which led to the damage occurring, then Wehave the right to refuse to pay Your claim.

h) provide to the Insurer at Your own expense;

v. full information in writing of the claim;

vi. details of any other insurance relating to the claim;

vii. all such proofs, information, explanation and other evidence (including the production ofarticles alleged to be damaged) as may be reasonably required; and

viii. if demanded ‐ a statutory declaration of the truth of the claim and of any matter connected

with it.


6. The Insured shall at the Insurer’s request and expense, do and concur in doing and permit to be done, allsuch acts and things as may be necessary or reasonably required by the Insurer for the purpose ofenforcing any rights and remedies or of obtaining relief or indemnity from other parties to which theInsurer shall be or would become entitled or subrogated upon the Insurer paying for or making good anyloss under this Policy whether such acts and things shall be or become necessary or required before orafter the Insurer indemnifies the Insured.


8. Any difference under this Policy shall be referred to arbitration in accordance with the statutoryprovisions currently in force and the making of an award shall be a condition precedent to any right ofaction against the Insurer. Any claim for which the Insurer has disclaimed liability shall for all purposes bedeemed to have been abandoned and not recovered thereafter unless referred to arbitration under theseprovisions within one year from the date of such disclaimer.

34






Telephone: 0333 241 9553










35








36










Demands and Needs



Cancellation Right




37

Fraud;

Non‐payment of premium;

Threatening and abusive behaviour;

Non‐compliance with policy terms and conditions.


Making a Claim 24/7


CALL 0333 241 9553



Definitions



Coverholder/We/Us/Our

Motorplus Limited who administer and manage this insurance on behalf of the Insurer.



Insured vehicle

The motor vehicle detailed on the Policy Schedule which is owned and operated or driven by the Insured. The vehicle must be insured under a motor insurance policy issued by an authorised UK motor insurer, in respect of compulsory insurance requirements set out by the Road Traffic Act 1988 (and amendments).

Insurer

UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE. UK General Insurance Limitedis an insurers' agent and in the matters of a claim act on behalf of Great Lakes Reinsurance (UK) SE.




38

Property



















10. damage caused to Property in open vehicles owned or operated by the Insured caused by atmospheric or

climatic conditions unless the Property is protected by vehicle sheets;

11. damage to Property caused by or arising from wear and tear, depreciation, deterioration, mildew, moth,

vermin, manufacturer’s defect, mechanical or electrical breakdown, failure or derangement unless

external damage has occurred;

12. Property forming part of or attaching to the Insured Vehicle;

13. claims where You have failed to check on Property left in an unattended vehicle for more than 48 hours;

14. claims that arise from Your negligent act;

15. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion,

revolution, insurrection, military or usurped power, confiscation, requisition, seizure or destruction by any

government or any public authority;

16. damage to any Property whatsoever or any loss or expense whatsoever resulting or arising therefrom or

39

any Consequential Loss directly or indirectly caused by or contributed to or arising from:

a) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclearwaste or from the combustion of nuclear fuel. The radioactive toxic explosive or other hazardous orcontaminating properties of any nuclear installation reactor or other nuclear assembly or nuclearcomponent thereof;b) any weapon or device employing atomic or nuclear fission and/or fusion orother like reaction or radioactive force or matter;

c) the radioactive, toxic, explosive or other hazardous or contamination properties of any radioactive matter.The exclusion in this sub‐clause does not extend to radioactive isotopes other than nuclear fuel whensuchisotopes are being prepared carried stored or used for commercial agricultural medical scientific orother similar peaceful purposes;

17. damage to Property directly occasioned by pressure waves caused by aircraft and other aerial devices

travelling at sonic or supersonic speeds;

18. terrorism; or, steps taken to prevent, suppress, control or reduce the consequences of any actual,

attempted, anticipated, threatened, suspected or perceived terrorism.



Conditions



1. all doors, windows and other openings are left closed securely locked and properly fastened and any

additional security measures (e.g. vehicle alarm, where present) have been activated; and

2. entry or access to the vehicle has been effected by forcible and violent means.




2. Assignment


40

3. Governing Law


Claims Conditions

1. If a claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured oranyone acting on their behalf to obtain any benefit under this Policy or if any damage is occasioned by the wilful act or with the connivance of the Insured, then the policy shall become void and any premiumspaid hereunder shall be forfeited and the Insurer reserves the right to recover any monies previouslypaid. We may also share this information with the appropriate law enforcement authorities.

2. On the discovery of any circumstance or event which may give rise to a claim under this Policy theInsured shall:a) notify the coverholder by calling 0333 241 9553 as soon as possible.

b) give immediate notice to the police in respect of damage caused by malicious person or thieves ifinsured by this Policy.

c) in the case of damage caused by riot or civil commotion, notice of such damage must be immediatelynotified to Us and no later than seven days from the occurrence. If You fail to notify Us of such damagewithin seven days of the riot or civil commotion which led to the damage occurring, then We have the right to refuse to pay Your claim.

d) provide to the Insurer at Your own expense;

i. full information in writing of the claim;

ii. details of any other insurance relating to the claim;

iii. all such proofs, information, explanation and other evidence (including the production of articlesalleged to be damaged) as may be reasonably required; andiv. if demanded ‐ a statutory declaration of the truth of the claim and of any matter connected with

it.


2. The Insured shall at the Insurer’s request and expense, do and concur in doing and permit to be done, allsuch acts and things as may be necessary or reasonably required by the Insurer for the purpose ofenforcing any rights and remedies or of obtaining relief or indemnity from other parties to which theInsurer shall be or would become entitled or subrogated upon the Insurer paying for or making good anyloss under this Policy whether such acts and things shall be or become necessary or required before orafter the Insurer indemnifies the Insured.


4. Any difference under this Policy shall be referred to arbitration in accordance with the statutoryprovisions currently in force and the making of an award shall be a condition precedent to any right ofaction against the Insurer. Any claim for which the Insurer has disclaimed liability shall for all purposes be deemed to have been abandoned and not recovered thereafter unless referred to arbitration underthese provisions within one year from the date of such disclaimer.

41






Telephone: 0333 241 9553










42








43

RAC Van Insurance = Motor Excess Protect, £300 excess






This is Your Motor Excess Protect Policy. Please spend some time reading through the Policy to ensure that it meets Your requirements. If there is anything You do not understand, please contact Us. We will be happy to assist.

This is a contract of insurance between You and Great Lakes Reinsurance (UK) SE. The insurance provided canrefund Your Excess, subject to the terms, limits of indemnity, exclusions and conditions contained herein, in respect of an Insured Event which occurs within the Territorial Limits and during the Period of Insurance for which You have paid or agreed to pay the premium.

Demands and Needs

This Policy meets the demands and needs of customers who want to insure against the risk of having to incur a

motor policy Excess payment or deduction. This Policy will cover You for up to £300 in respect of a standard motor policy Excess for certain risks. Motorplus Limited does not make any personal recommendation as to whether this Policy will suit Your individual circumstances.

Cancellation Right

If You decide that for any reason that this policy does not meet Your insurance needs, then please return it to the insurance broker or agent who provided this policy to You within 14 days from the day of purchase or on the day you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, We will then refund Your premium in full. If You wish to cancel your policy after 14 days You will not be entitled to a refund.


44


Fraud;





Making a Claim 24/7

All claims must be reported to Us within 30 days of the date of the occurrence of an Insured Event.


CALL 0333 241 9573

Or


Or write to


Please quote “Motor Excess Protect” in all communications.


UK General Insurance Limited is an insurers’ agent and in the matters of a claim act on behalf of the insurer.

Definitions

The words and phrases listed below will have the following meanings wherever they appear in italics throughout this document:

Accidental Unintentional and unpremeditated by You.

Excess The sum that You are required to pay under the terms of Your motor insurance policy as a contribution to the Total Loss value or repair cost of Your Vehicle, following an Insured Event.

Insured Event An Accidental incident involving Your motor Vehicle, in respect of which You make a claim under the terms of Your motor insurance policy.


45

Period of Insurance

12 calendar months from the date of inception of this Policy, or until the next expiry date of the motor insurance policy to which this Policy is annexed, whichever period is the less. In the event of cancellation or non‐renewal of that motor insurance policy, all cover under this Policy shall cease.

Policy The contract between Us and You, as set out in this document.

Policyholder The person who has taken out this Policy who is aged 18 years or more.

Territorial Limits Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Total Loss Damage which renders Your Vehicle beyond economic repair.

Vehicle The motor vehicle owned and insured by You which is detailed in the Policy Schedule.

We, Our, Us UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

You, Your, Yourself The Policyholder together with any person aged 18 years or more and who is named as a driver under the Policyholder’s motor policy.


The Policyholder having paid the premium or agreed to pay the premium on the date of inception of this Policy, We agree to provide the Insurance described below subject to the terms, conditions, limitations and exclusions contained in this Policy.

Where Your Vehicle is involved in an Insured Event which occurs within the Territorial Limits during the Period of Insurance, as a result of which Your Vehicle is determined to be a Total Loss and Your Excess is deducted from its value, or is repaired and You are required to pay a policy Excess, We will pay to You the lesser of:

a) the value of Your Excess; or

b) the sum of £300.

The cover provided under this Policy will continue for the Period of Insurance or until the total sum of £300has been paid to You in respect of one or more claims. If any monies paid by Us are subsequently recovered within the Period of Insurance, credit will be given for such sums accordingly.


1. Any claim notified more than 30 days after the date of the Insured Event.2. Any Excess payable on warranty policies.

3. Any Excess in respect of any windscreen or glass damage claims.4. Any Excess in respect of theft or attempted theft of personal effects.5. Any Excess payable under any other section of Your motor insurance.6. Any claim that Your motor insurance does not cover or the Excess is not exceeded.7. Any claim that is refused under Your motor insurance.

8. Any Excess in respect of a Policyholder named as a company only and not including the individualperson(s) authorised by the company to drive the motor Vehicle.

46

9. Any claim arising from war, invasion, other foreign hostility, civil war, rebellion, revolution,insurrection, terrorism or the usurpation of power. For the purpose of this exclusion “terrorism” means any act of any person or group of persons or organisation involving the causing occasioning orthreatening of harm of whatever nature and by whatever means or putting the public or any sectionof the public in fear. In circumstances in which it is reasonable to conclude that the purpose of theperson or group of persons or organisation concerned is wholly or partly of a political religious,ideological or similar nature.

10. Any claim arising from riot or civil commotion occurring outside Great Britain, the Isle of Man or theChannel Islands.

11. Any claim arising from radiation, radioactivity, explosion, poisoning, pollution, earthquake, flood orhail.

12. Any claim arising from sonic boom or other aerial noise or pressure.13. Any liability You accept by agreement or contract without Our prior agreement in writing.

14. Any loss destruction or damage that occurs whilst Your motor Vehicle is being used and or driven onany racetrack, circuit or other prepared course.

15. Any Insured Event which occurs whilst Your Vehicle is being driven by someone who is under 18 years of age.

General Conditions

1. We may take proceedings at Our expense and in Your name to recover for Our benefit the amount of any payment made under this Policy.

2. If You were covered by any other insurance for repayment of Your Excess, We will pay Ourproportionate share of Your Excess.

3. You must at all times during the Period of Insurance take steps to keep Your Vehicle safe, secure andprotected from damage, whether willful or otherwise.

4. If You make any request for payment under this Policy knowing it to be fraudulent or false in anyrespect or ought reasonably in the circumstances to know it to be fraudulent or false, this Policy shall become void and any premiums paid hereunder shall be forfeited and We shall be entitled to recover any monies previously paid.

5. You must notify Us in accordance with the Claims Procedure set out in this document, as soon as possible after an Insured Event. We will not make any payment in respect of any costs, expenses orExcess incurred before We have been notified of Your claim. The amount We will pay You will beequal to the Excess which You paid or which was deducted, provided always that:

a) the maximum amount which We will pay in respect of any claim will be the value of Your Excessor £300, whichever is the less; and

b) You have paid the appropriate premium for that level of cover.

6. If as a result of any claim against a third party Your Excess is recovered from that party or theirinsurers, You must refund to Us any monies We have previously paid to You in respect of YourExcess.

7. Unless some other law is agreed in writing, this Policy is governed by English law. If there is a dispute,it will only be dealt with in the courts of England or of the country within the United Kingdom inwhich Your main residence is situated.






Telephone: 0333 241 9573

47









You must contact Your insurance broker or agent immediately in the event that there is a change to Your circumstances, as follows:





48







We may obtain information about You from credit reference agencies, fraud prevention agencies and similar organisations to enable Us to check Your credit status and identity. These agencies will record Our enquiries, which may be seen by other companies who make their own credit enquiries. We may also check Your details with fraud prevention agencies.



Motorplus Limited trading is authorised and regulated by the Financial Conduct Authority.

49

RAC Van Insurance – Motor Excess Protect, £500 excess






This is Your Motor Excess Protect Policy. Please spend some time reading through the Policy to ensure that it meets Your requirements. If there is anything You do not understand, please contact Us. We will be happy to assist.

This is a contract of insurance between You and Great Lakes Reinsurance (UK) SE. The insurance provided canrefund Your Excess, subject to the terms, limits of indemnity, exclusions and conditions contained herein, in respect of an Insured Event which occurs within the Territorial Limits and during the Period of Insurance for which You have paid or agreed to pay the premium.

Demands and Needs

This Policy meets the demands and needs of customers who want to insure against the risk of having to incur a motor policy Excess payment or deduction. This Policy will cover You for up to £500 in respect of a standard motor policy Excess for certain risks. Motorplus Limited does not make any personal recommendation as to whether this Policy will suit Your individual circumstances.

Cancellation Right

If You decide that for any reason that this policy does not meet Your insurance needs, then please return it to the insurance broker or agent who provided this policy to You within 14 days from the day of purchase or on the day you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, We will then refund Your premium in full. If You wish to cancel your policy after 14 days You will not be entitled to a refund.



50





Making a Claim 24/7

All claims must be reported to Us within 30 days of the date of the occurrence of an Insured Event.


CALL 0333 241 9573

Or


Or write to


Please quote “Motor Excess Protect” in all communications.


UK General Insurance Limited is an insurers’ agent and in the matters of a claim act on behalf of the insurer.

Definitions

The words and phrases listed below will have the following meanings wherever they appear in italics throughout this document:

Accidental Unintentional and unpremeditated by You.

Excess The sum that You are required to pay under the terms of Your motor insurance policy as a contribution to the Total Loss value or repair cost of Your Vehicle, following an Insured Event.

Insured Event An Accidental incident involving Your motor Vehicle, in respect of which You make a claim under the terms of Your motor insurance policy.

Period of Insurance 12 calendar months from the date of inception of this Policy, or until the next expiry date of the motor insurance policy to which this Policy is annexed, whichever period is the less. In the event of cancellation or non‐renewal of that motor insurance policy, all cover under this Policy shall cease.

Fraud;


51

Policy The contract between Us and You, as set out in this document.

Policyholder The person who has taken out this Policy who is aged 18 years or more.

Territorial Limits Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Total Loss Damage which renders Your Vehicle beyond economic repair.

Vehicle The motor vehicle owned and insured by You which is detailed in the Policy Schedule.

We, Our, Us UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

You, Your, Yourself The Policyholder together with any person aged 18 years or more and who is named as a driver under the Policyholder’s motor policy.


The Policyholder having paid the premium or agreed to pay the premium on the date of inception of this Policy, We agree to provide the Insurance described below subject to the terms, conditions, limitations and exclusions contained in this Policy.

Where Your Vehicle is involved in an Insured Event which occurs within the Territorial Limits during the Period of Insurance, as a result of which Your Vehicle is determined to be a Total Loss and Your Excess is deducted from its value, or is repaired and You are required to pay a policy Excess, We will pay to You the lesser of:

a) the value of Your Excess; or

b) the sum of £500.

The cover provided under this Policy will continue for the Period of Insurance or until the total sum of £500 has been paid to You in respect of one or more claims. If any monies paid by Us are subsequently recovered within the Period of Insurance, credit will be given for such sums accordingly.


16. Any claim notified more than 30 days after the date of the Insured Event.17. Any Excess payable on warranty policies.

18. Any Excess in respect of any windscreen or glass damage claims.19. Any Excess in respect of theft or attempted theft of personal effects.20. Any Excess payable under any other section of Your motor insurance.21. Any claim that Your motor insurance does not cover or the Excess is not exceeded.22. Any claim that is refused under Your motor insurance.

23. Any Excess in respect of a Policyholder named as a company only and not including the individualperson(s) authorised by the company to drive the motor Vehicle.

24. Any claim arising from war, invasion, other foreign hostility, civil war, rebellion, revolution,insurrection, terrorism or the usurpation of power. For the purpose of this exclusion “terrorism”

52

means any act of any person or group of persons or organisation involving the causing occasioning or threatening of harm of whatever nature and by whatever means or putting the public or any section of the public in fear. In circumstances in which it is reasonable to conclude that the purpose of the person or group of persons or organisation concerned is wholly or partly of a political religious, ideological or similar nature.

25. Any claim arising from riot or civil commotion occurring outside Great Britain, the Isle of Man or theChannel Islands.

26. Any claim arising from radiation, radioactivity, explosion, poisoning, pollution, earthquake, flood orhail.

27. Any claim arising from sonic boom or other aerial noise or pressure.

28. Any liability You accept by agreement or contract without Our prior agreement in writing.

29. Any loss destruction or damage that occurs whilst Your motor Vehicle is being used and or driven onany racetrack, circuit or other prepared course.

30. Any Insured Event which occurs whilst Your Vehicle is being driven by someone who is under 18years of age.

General Conditions

8. We may take proceedings at Our expense and in Your name to recover for Our benefit the amount ofany payment made under this Policy.

9. If You were covered by any other insurance for repayment of Your Excess, We will pay Ourproportionate share of Your Excess.

10. You must at all times during the Period of Insurance take steps to keep Your Vehicle safe, secure andprotected from damage, whether willful or otherwise.

11. If You make any request for payment under this Policy knowing it to be fraudulent or false in anyrespect or ought reasonably in the circumstances to know it to be fraudulent or false, this Policy shallbecome void and any premiums paid hereunder shall be forfeited and We shall be entitled to recoverany monies previously paid.

12. You must notify Us in accordance with the Claims Procedure set out in this document, as soon aspossible after an Insured Event. We will not make any payment in respect of any costs, expenses orExcess incurred before We have been notified of Your claim. The amount We will pay You will beequal to the Excess which You paid or which was deducted, provided always that:

a) the maximum amount which We will pay in respect of any claim will be the value of Your Excessor £500, whichever is the less; and

b) You have paid the appropriate premium for that level of cover.

13. If as a result of any claim against a third party Your Excess is recovered from that party or theirinsurers, You must refund to Us any monies We have previously paid to You in respect of Your Excess.

14. Unless some other law is agreed in writing, this Policy is governed by English law. If there is a dispute,it will only be dealt with in the courts of England or of the country within the United Kingdom in whichYour main residence is situated.






Telephone: 0333 241 9573

53








You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 to take care to supply accurate and complete answers to all questions and to make sure that all information supplied to Us is true and correct. You must tell Us of any changes to the answers You have given as soon as possible. Failure to advise Us of a change to Your answers may mean that Your Policy is invalid and that it does not operate in the event of a claim. You must contact Your insurance broker or agent immediately in the event that there is a change to Your circumstances, as follows: You change Your address; You are convicted of a criminal offence or receive a police caution; You have insurance refused, declined, cancelled or terms applied by another insurance provider.





54




We may obtain information about You from credit reference agencies, fraud prevention agencies and similar organisations to enable Us to check Your credit status and identity. These agencies will record Our enquiries, which may be seen by other companies who make their own credit enquiries. We may also check Your details with fraud prevention agencies.




55

Consumer Insurance (Disclosure & Representations) Act

2012

You are required by the provisions of the Consumer

Insurance (Disclosure and Representations) Act 2012 to

take care to supply accurate and complete answers to all

questions and to make sure that all information supplied

to Us is true and correct. You must tell Us of any changes

to the answers You have given as soon as possible. Failure

to advise Us of a change to Your answers may mean that

Your Policy is invalid and that it does not operate in the

event of a claim.

You must contact Your insurance broker or agent

immediately in the event that there is a change to Your

circumstances, as follows:


You are convicted of a criminal offence or receive a police

caution;

You have insurance refused, declined, cancelled or terms

applied by another insurance provider.


Please note that any information provided to Us will be

processed by Us and Our agents in compliance with the

provisions of the Data Protection Act 1998, for the purpose

of providing insurance and handling claims, if any, which

may necessitate providing such information to third

parties. We may also send the information in confidence

for process to other companies acting on their

instructions including those located outside the European

Economic Area, some of which may not have equivalent

Data Protection laws.

We may obtain information about You from credit

reference agencies, fraud prevention agencies and similar

organisations to enable Us to check Your credit status and

identity. These agencies will record Our enquiries, which

may be seen by other companies who make their own

credit enquiries. We may also check Your details with

fraud prevention agencies.

If You provide false or inaccurate information and We

suspect fraud, We will record Our concerns. We and other

organisations may use these records to help make

decisions on insurance proposals and claims, prevent

fraud, recover debt and check Your identity to prevent

money laundering.

Under Data Protection legislation, You can ask Us in

writing for a copy of certain personal records held about

You. Please write to Motorplus, Kircam House, Whiffler

Road, Norwich, NR3 2AL. A charge of £10 will be made.

Motorplus Limited is authorised and regulated by the

Financial Conduct Authority.

56

RAC CV Insurance = Breakdown

Terms and conditions – excluding Europe

This Policy is a contract between Us and You. We agree to

provide services/pay for those costs set out in this Policy

which occur during the Period of Cover, provided payment

of the appropriate premium has been made and subject to

the following terms and conditions.

If the service You require is not provided for under this

Policy, We will try, if You wish, to arrange it at Your

expense. The terms of, and any payment for, any such

service are a matter for You and the supplier and We will

not act as an agent.

Definitions

Below are certain words that have a specific meaning in this Policy and wherever these words appear they have the following

meaning:

“Accident” means an Accidental crash immobilising the insured Vehicle.

“Breakdown” means unforeseen mechanical or electrical failure during the Period of Cover in the

United Kingdom and Europe which has either immobilised Your Vehicle or made it

unsafe to drive.

“Claim” means a call/claim for assistance under this Policy.

“Collision Damage Waiver” means if a hire car is damaged during the hire period You could be liable for the

equivalent of the first £150 - £550

(approximately) and have Your credit card charged. In some cases the amount could

be higher and varies according to the hire company, category of hire car and location.

The Collision Damage Waiver covers the amount above the excess.

“Fulfilment Material” means the confirmation of Policy coverage provided to You by Us or on Our behalf.

“Home” means your permanent residence in the United Kingdom.

“Period of Cover” means the duration of Your cover as stated in Your Policy Documents.

“Policy Documents” means this Policy wording and all associated documentation provided to You by Your

insurer on Our behalf.

“Resident of the United

Kingdom”

means a person living permanently in the United Kingdom or a person employed by a

company having its registered office in the United Kingdom.

“Specialist Equipment” is equipment not carried by RAC patrols or RAC contractors and includes but is not

limited to winching and specialist lifting equipment.

“The Party/Your Party” means the persons including You, travelling with You in the Vehicle.

“United Kingdom/UK” means England, Scotland, Wales, Northern Ireland and for the purpose of this

document includes Jersey, Guernsey and the Isle of Man.

“Vehicle” means the Vehicle specified in the Fulfilment Material being eligible to receive

services under this Policy.

“Vehicle Licensing Agency” means the Driver and Vehicle Licensing Agency (DVLA), Swansea SA6 7JL responsible

for registration of vehicles

in the UK and the equivalent authority in Northern Ireland for vehicles in Northern

Ireland. Or the Isle of Man Department of Transport for customers living in the Isle of

Man.

“We/Our/Us/RAC” means RAC Motoring Services and/or RAC Insurance Limited.

“You/Your” means the person or persons named on the Policy/related motor insurance policy in

the Fulfilment Material when driving the Vehicle, or any other person driving the

Vehicle with the owners consent.

Important information

Choice of law

The laws of England and Wales govern Your Policy, unless

You and We agree otherwise and the agreement has been

put in writing by Us.

Use of language


conditions and other information relating to this contract

will be in English.

57

Additional Covers – Refund of premiums

If you have purchased additional cover options with this

Policy no refund is available on those additional covers if

they are subsequently removed after the statutory

cancellation period.

Telephone recording

For our joint protection, telephone calls may be recorded

and/or monitored.

What to do if You Breakdown

If You are unfortunate enough to Breakdown, please

follow these simple steps.

1. Call the appropriate number stated in the table below.

2. Have to hand Your Policy number and Vehicle

registration.

3. Advise the operator of the location of Your Vehicle and

the nature of the fault.

RAC will then advise how to proceed and what form of

assistance would be the most appropriate.

Remember to always call RAC first. Please do not go

ahead and make Your own arrangements as RAC cannot

reimburse costs incurred without prior authorisation.

UK 0330 159 0225 (pay call)

The telephone numbers are correct at the time of printing.

The date is detailed on the back cover of this policy

wording.“03 numbers are charged at national call rates

and included in inclusive minute plans from landlines and

mobiles.

Calls may be monitored and/or recorded.”

Customers with hearing difficulties can contact RAC using

a Text Phone and prefix the relevant number with 18001 to

be connected to Typetalk or use the SMS facilities on

07855 828282.

Services provided

Service in the UK

Cover applies to Vehicles registered with the relevant

Vehicle Licensing Agency only.

Roadside

If You are stranded on a public highway (or other road or

area to which the public has the right of access) as a

result of a Breakdown to Your Vehicle, We will send an

RAC patrol or contractor to help You.

We will try to repair Your Vehicle at the roadside.

Roadside includes labour at the scene of the Breakdown

(but not labour at any garage to which the Vehicle is

taken).

If We cannot repair the Vehicle at the roadside, and We

believe repairs are unwise or cannot be completed within

a reasonable time, We will take the Vehicle and up to 8

people to a destination of Your choice within 10 miles of

the scene of the Breakdown. If You have no preferred

destination, We will take the Vehicle to a nearby garage. If

You wish the Vehicle

to be taken to any other destination, You will have to pay

for the towage costs for the whole distance.

If You need to leave Your Vehicle at the garage We will

reimburse You for taxi fares up to 20 miles (a receipt must

be obtained).

Roadside does not cover:

1. Breakdowns which would be prevented by routine

servicing of Your Vehicle

2. Routine servicing of the Vehicle

3. Replacing tyres or windows

4. Any labour other than that incurred at the roadside

including, without limitation, garages.

5. Missing or broken keys. We will try to arrange the

services of a locksmith but You will have to pay for

them

6. The cost of ferry crossings, road toll and congestion

charges

7. Vehicles being demonstrated or delivered by motor

traders, or used under trade plates

8. Vehicles, which in the reasonable opinion of Our

patrol or contractor, had broken down or were

unroadworthy before You took out Your Policy

9. Vehicles which break down within 1/4 mile of Your

Home address or where You normally keep the

Vehicle

10. Contaminated fuel problems. We will arrange for

Your Vehicle to be taken to a local garage for

assistance, but You will have to pay for the work

carried out

11. The cost of parts, fuel or other supplies

12. Any Vehicle storage charges incurred when You are

using Our services

13. Breakdown caused by or following an Accident, fire,

theft or act of vandalism. If You call Us for assistance

following such an incident You will be liable to pay Us

for removal. (Subject to the terms of Your insurance

Policy, You can then reclaim these costs through Your

insurance)

14. The tow or transport of any Vehicle, which, in Our

reasonable opinion, is loaded beyond its legal limit

15. Any Vehicle in a position where We cannot work on it

or tow it, or wheels have been removed, We can

arrange to rectify this but You will have to pay the

costs involved

16. Any animals in Your Vehicle, please note that their

onward transportation is at Our discretion and solely

at Your risk. We will not insure any animal, including

livestock in transit, during any onward transportation

We undertake.

58

Recovery

Recovery has the same terms and conditions as Roadside

but with the following variations.

If We cannot get Your Vehicle repaired locally within what

We deem to be a reasonable time, We will take the Vehicle

and up to 8 people Home or to a single address anywhere

else within the UK. If there are more than 5 people this

may require two separate Vehicles. An adult must

accompany any persons under the age of 16.

You can use Recovery if You are ill, and there are no

passengers who can drive the Vehicle, so that You cannot

continue Your trip. You must show Us a doctor’s medical

certificate confirming Your inability to drive (in these

cases, We will provide this service as We see fit).

Residents of Northern Ireland are also entitled to be

recovered from the Republic of Ireland. Recovery does not

cover:

1. Any Vehicle which in Our reasonable opinion was

broken down or unroadworthy at the time You took out

Your Policy.

2. The use of Recovery as a way to avoid paying repair

costs.

3. A second Recovery if:

a) a) the original fault has not been repaired properly

by a party other than RAC;

b) b) RAC have advised You that it is a temporary

repair; or

c) c) the desired destination cannot accept the

Vehicle due to company opening hours or other

restrictions.

4. If a second Recovery is required this service can be

provided but a charge will be made dependent on the

service required, time of day and distance. These

charges will be payable by credit/debit card prior to

the relevant service being provided.

5. Service within 24 hours of commencement of this

Policy.

At Home

At Home has the same terms and conditions as Roadside


At Home allows You to use Roadside within 1/4 mile of

Your Home address or where You normally keep the

Vehicle.

At Home does not cover:

1. The rectifying of failed or attempted repairs.

2. The reimbursement of taxi fares.


Policy .

4. Recovery of the Vehicle.

Onward Travel

Onward Travel benefits must be arranged at the time of

Breakdown and cannot be requested later.

You are entitled to one of the following extra benefits once

We have decided that We cannot get the Vehicle repaired

locally.

Replacement car hire.

Alternative transport costs.

Hotel accommodation.

You can use the Onward Travel benefits from Your Home

address or within 1/4 mile of Your Home address. This

excludes incidents where We have been called to rectify

failed repairs.

Replacement car hire

We will pay for:

1. Up to two day’s hire cost of a manual car of similar

cubic capacity to Your Vehicle up to 1600cc if your

Vehicle is being repaired.

2. Insurance (including Collision Damage Waiver).

Replacement car hire is subject to availability and Our

supplier’s terms and conditions, which will usually

include:

1. Age limits. Drivers must be at least 21 years of age.

2. The need to have a current driving licence, and, if held,

a driving licence photo card, with You.

3. Limits on acceptable types or numbers of motoring

offence penalties and/or penalty points endorsed on

Your driving licence.

4. The need to provide a valid credit card number

(Alternatively, the car rental provider will require a

deposit of no less than £50 and may also undertake a

simple credit check, before releasing the Vehicle to

You).

Hire cars are not usually available with a tow bar, and

therefore Your caravan or trailer will, if eligible, be

recovered under Recovery with Your broken down Vehicle.

After taking a fair and reasonable view of the

circumstances, we may decide that a hire car is not a

practicable solution, and hotel accommodation or

alternative transport will be provided instead.

If You require a second or any other type of vehicle We will

try to arrange this for You, You will have to pay for any

additional costs.

Alternative transport

We will reimburse You for standard class rail or other

transport of Our choice for up to 8 people to reach the end

of their journey within the UK. We will pay up to £150 a

person or £500 for a group whichever is less.

Hotel accommodation

We will arrange and reimburse You for one night’s bed

and breakfast for up to 8 people in a hotel of Our choice.

We will pay up to £150 a person or £500 for each Party

whichever is less. You will have to pay for any extra hotel

or transport costs.

Special medical assistance

Onward Travel also provides special medical assistance. If

You or one of Your passengers is taken into hospital more

than 20 miles from Home We will arrange and pay for

59

overnight accommodation for the other passengers, as

described in “Hotel accommodation” above.

We will also arrange for an ambulance to take the patient

to a local hospital near to their Home once medical

permission has been given. Special medical assistance is

not available for planned hospital visits.

What is not covered.

1. Other charges arising from Your use of the hire car,

such as fuel costs, deposit, any insurance excess

charges, collecting and returning the vehicle and any

costs due to You keeping the car after the agreed

period of hire (You must settle these charges directly

with the supplier).

2. A second use of the Onward Travel benefits if the

original fault has not been properly repaired by a third

party other than RAC or if We have advised You that it

is a temporary repair.

3. If You are unfortunate enough to have an incident with

the hire vehicle and You make an insurance claim, You

will be responsible for paying any excess.


Policy.

5. Any of the Onward Travel benefits, as stated above,

before Our attendance of the Breakdown incident.

6. Any of the Onward Travel benefits, as stated above, if

the vehicle is not displaying a valid excise licence.

Policy Requirements and Limitations

Service in the UK Credit

card details

We will require Your credit card details if We arrange a

service for You which is not covered

by Your Policy or if it exceeds the Policy limits set out in

the part entitled “Policy Description”. If You do not provide

Us with Your credit card details RAC will not be able to

provide certain services which will be notified to You when

credit card details are requested.

Motorcycles

The Policy covers motorcycles on the same basis as other

eligible Vehicles. However, it is not possible for Us to hire

a motorcycle if a replacement Vehicle is required. A hire

car or alternative transport will be arranged, whichever is

most suitable. We are also unable to hire a trailer for You

to transport Your motorcycle.

Caravans and trailers

The Vehicle restrictions in this Policy apply equally to

caravans and trailers except that the maximum length of

trailers and/or caravans must not exceed 7.6 metres. If

the Vehicle which has suffered a Breakdown is towing a

caravan or trailer and We provide recovery, the caravan or

trailer will be recovered together with the vehicle to a

single destination. Other than as set out in this paragraph

caravans and trailers are not covered by this Policy.

We do Our best to find solutions to motoring problems,

but We regret We cannot arrange a replacement caravan

or trailer in the event of Breakdown or Accident damage

which cannot be repaired.

Unforeseeable losses or events

Except in relation to any claim You may have for death or

personal injury, if We are in breach of the arrangements

under this contract, We will not be liable for any losses or

damages which are not a reasonably foreseeable result of

any such breach, for example, loss of profit, loss of

revenue or anticipated savings, loss of contracts, or for any

business losses.

We do not guarantee the provision of any of the benefits

under Your Policy, if there is anything beyond Our

reasonable control or the reasonable control of any

service provider which prevents Us or a service provider

from providing that benefit. Benefits may be refused if You

or any of Your Party behaves in a threatening or abusive

way to any persons providing service under this Policy.

Taxi bookings

In some circumstances it can be quicker and easier for

You to arrange a taxi. We may ask You to make Your own

arrangements for taxi service. If so please send Your

receipts to Us and We will reimburse You.

Battery related faults

For battery related faults Your Policy entitlements are as

follows:

1. RAC’s initial attendance for a battery related fault is

included in Your Policy’s entitlement.

2. The fitting of any parts or batteries purchased by You

prior to our attendance is not covered. This is to

ensure that parts are fitted from reputable sources in

order to avoid secondary callouts.

3. RAC will test Your battery at that initial Breakdown

attendance. If the battery is no longer serviceable and

so fails the test You will be advised to replace it.

4. If a condemned (non serviceable) battery is not

replaced, We may provide further assistance to a

battery related fault but in this case a separate charge

will apply. The charge will be payable by credit or

debit card before assistance can be arranged.

Policy exclusions (Service in the UK)

In addition to any limits and exclusions noted elsewhere in

Your Policy, Your Policy does not cover:

1. Costs for anything which was not caused by the

incident You are claiming for.

2. Breakdowns in the UK resulting from road traffic

Accidents, vandalism, fire or theft.

3. Vehicles which have broken down as a result of taking

part in any motor sport event (including, without

limitations rallies or stock car racing) which takes

place off the road and / or is not subject to the normal

rules of the road. However, vehicles participating in

any event (such as a treasure hunt, touring assembly

or navigational road rally), which takes place on, and

comply with the normal rules of the road will be

covered.

4. Any claim if the Vehicle suffers a Breakdown at a

motor traders premises, garage or premises offering

vehicle repair.

5. The cost of all parts, garage, labour or other costs in

excess of Your Policy limits set out in the part entitled

“Terms and Conditions”.

60

6. Loss caused by any delay, whether the benefit or

service is being provided by Us or someone else (for

example a garage, hotel, car hire company, carrier,

etc).

7. Any incident affecting a vehicle hired under the terms

of this Policy.

8. Routine servicing of Your Vehicle.

9. The cost of a glass or tyre specialist. We will arrange

for Your Vehicle to be taken to a nearby garage for

assistance but You will have to pay for any work

carried out on the Vehicle. Any other Recovery may be

arranged but You will be liable for any additional costs.

10. The cost of a locksmith if You lose, break, or lock Your

keys in Your Vehicle. If We are unable to open Your

Vehicle, We will arrange for a locksmith to attend

where available, but You will be responsible for the

costs. If a locksmith is not available, We will arrange




arranged but You will be liable for any additional

costs.

11. Any consequence whatsoever which is the direct or

indirect result of any of the following, or anything

connected with any of the following, whether or not

such consequence has been contributed to by any

other cause or event:

a) War, invasion, act of foreign enemy, hostilities or a

warlike operation or operations (whether war be

declared or not), civil war, mutiny, rebellion,

revolution, military rising, insurrection, civil

commotion assuming the proportions of or

amounting to an uprising, military or usurped

power.

b) Terrorism Terrorism is defined as any act or acts

including, but not limited to:

i) the use or threat of force and/or violence and/or ii) harm or damage to life or to property (or the threat

of such harm or damage) including, but not limited

to, harm or damage by nuclear and/or chemical

and/or biological and /or radiological means

caused or occasioned by any person(s) or group(s)

of persons in whole or in part for political,

religious, ideological or similar purposes

including, but not limited to, the intention to

influence any government and/ or to put the public

or any section of the public in fear, or is claimed to

be caused or occasioned in whole or in part for

such purposes.

c) Any action taken in controlling, preventing,

suppressing or in any way relating to (a) or (b)

above.

12. Any claim caused directly or indirectly by the

overloading of Your Vehicle and/or any caravan or

trailer.

13. Any claim as a result of Vehicle Breakdown due to:

a) running out of oil or water;

b) frost damage;

c) rust or corrosion;

d) tyres which are not roadworthy;

e) using the incorrect fuel

14. Any claim caused directly or indirectly by the effect of

intoxicating liquors or drugs.

15. Any claim where Your Vehicle is being driven by

persons who do not hold a full United Kingdom or

other recognised and accepted driving licence valid

for use in the United Kingdom.

16. Any claim which You have made successfully under

any other policy of insurance held by You. If the value

of Your claim is more than the amount You can get

from Your other insurance We may pay the difference

subject to these Policy limits and exclusions.

17. The cost of any transportation, accommodation or

care of any animal. Any onward transportation is at

Our discretion and solely at Your risk. We will not

insure any animal during any onward transportation

We may undertake.

18. Any period outside Your Period of Cover.

19. Any Vehicle other than a car, motorcycle 121cc or

over, motor caravan, minibus fitted with not more than

17 seats including driver, light van, estate car, MPV or

4 x 4 sport utility Vehicle and provided that the Vehicle

conforms to the following specification:

a) maximum legal laden weight of 3,500kg (3.5

tonnes). This weight is called the Gross Vehicle

Mass (GVM);

b) b) maximum overall dimensions of: length 5.5m;

height 3m; width 2.3m (all including any load

carried). The Vehicle restrictions apply equally to

caravans and trailers except that the maximum

length of trailers and/or caravans must not

exceed 7.6 m. If the Vehicle which has suffered a

Breakdown is towing a caravan or trailer and We

provide recovery, the caravan or trailer will be

recovered together with the Vehicle to a single

destination. Other than as set out above caravans

and trailers are not covered under this Policy

20. Any claim by You unless You are Resident of the

United Kingdom and the Vehicle is registered with the

relevant Vehicle Licensing Agency.

21. Any Vehicle carrying more persons than

recommended by the manufacturer, up to 8 person’s

maximum (including the driver). For minibuses the

maximum is increased to 17 persons (including the

driver). Each person must occupy a separate fixed

seat fitted during Vehicle construction and to the

manufacturer’s specification.

22. Your Vehicle if it is unattended.

23. Any personal effects, valuables or luggage left in Your

Vehicle or in any trailer, boat or caravan or any other

item being towed by or used in conjunction with the

Vehicle. These are Your responsibility.

24. Specialist Equipment costs. We will however arrange

for the specialist services if needed, but You will have

to pay for any additional costs direct to the contractor.

25. Any costs which are not directly covered by the terms

and conditions of this Policy.

61

26. Vehicles which were broken down/had suffered a

Breakdown or unroadworthy at the start of this Policy.

27. It is a legal requirement that Vehicles used or

recovered with their wheels in contact with the public

highway must have a valid current excise licence.

Where no current excise licence is displayed We will

attempt to fix Your Vehicle at the roadside but will not

provide any other service or benefit.

The above is not applicable to those vehicles exempt

under Section 5 of the Vehicle Excise and Registration

Act 1994 (which include certain types of vehicles,

including certain old vehicles, agricultural vehicles

and emergency vehicles) or under Section 5 of the

Vehicle Duty Order 2010 in Isle of Man. For further

information please contact either DVLA at

www.dvla.gov.uk or Vehicle Licensing, Dept of

Transport for Isle of Man at HYPERLINK

“http://www.gov.im/transport/highways/dandv/welco

me.xml”

www.gov.im/transport/highways/dandv/welcome.xml

28. The costs of any parts provided by RAC to fix Your

Vehicle at the roadside must be paid in full by

credit/debit card at time of Breakdown before work

can commence.

Your right to cancel

If You do not pay Your premium promptly, We will cancel

Your cover.

1. You are entitled to cancel Your Policy up to 14 days

following the commencement (or renewal) date of

cover, or the date You receive Your terms and

conditions booklet, whichever happens later.

2. If You have not made a claim within the first 14 days

We will refund the cost of Your Policy.

3. If You use the service within the first 14 days and

decide to cancel, You will not be eligible for any

refund.

4. If You cancel the Policy after 14 days, no refund or

credit will be applied.

5. Your Policy will automatically terminate in the event

that Your related motor insurance Policy terminates.

6. To cancel Your Policy please contact iGO4 Insurance

on 0344 257 8212.

Caring for our customers

We are committed to providing You with the highest


however, there may be occasions when You feel You did

not receive the standard of service You expected. Should

You have cause for complaint about any aspect of the

service We have provided to You, please contact Us at the

relevant address indicated and We will work with You to

resolve Your complaint.

We will deal promptly with Your query. Unless We can

satisfactorily resolve Your complaint within 24 hours We

will send You an acknowledgement within 5 working days,

along with a leaflet outlining Our complaints procedure. In

the unlikely event that we cannot resolve Your complaint

to Your satisfaction, depending on the product and the

nature of Your complaint You may refer Your concerns to

the Financial Ombudsman Service.

If you wish to refer your complaint to the Financial

Ombudsman Service, this must be done within 6 months of

our final response letter.

Here are their contact details: Financial Ombudsman

Service

South Quay

Plaza Exchange

Tower London

E14 9SR

Telephone: 0300 123 9 123


Please quote Your full name, contact telephone number or

policy number and where applicable Your Vehicle

registration in any communication.

If You have used Our Breakdown service and are

dissatisfied with any aspect of the service, please bring

the complaint to Our attention as soon as You can (if

possible, within 28 days of becoming aware of it). This

does not affect Your statutory rights to take legal action or

exercise any other legal remedy.

Please write to Us at: Breakdown Customer Care, RAC

Motoring Services, Great Park Road, Bradley Stoke,

Bristol, BS32 4QN, or email:

[email protected].

Should you have cause for complaint about any aspect of

the policy sale and administration, please contact:

Customer Services Manager

iGO4 Limited

Olympus House

Staniland Way

Peterborough PE4 6NA

Alternatively you can e mail us at

[email protected]

An acknowledgement that Your complaint has been

received will be sent to You within 5 working days

following which Your complaint will be investigated on

behalf of the Chief Executive.


RAC Motoring Services (in respect of insurance mediation

activities only) and RAC Insurance Limited are covered by

the Financial Services Compensation Scheme (FSCS).

If We cannot meet Our obligations You may be entitled to

compensation from the scheme, depending on Your type

of insurance and the circumstances of any Claim.

Further information about the scheme is available from the

FSCS website www.fscs.org.uk, or write to Financial

Services Compensation Scheme, 10th Floor, Beaufort

House, 15 St Botolph Street, London EC3A 7QU.

Data Protection Act – information uses

For the purposes of the Data Protection Act 1998, the data

controller in relation to the information You supply is RAC

Motoring Services (RACMS), (Registered No: 01424389),

Registered Office: RAC House, Brockhurst Crescent,

Walsall, WS5 4AW.

RACMS will share the information You provide, together

with other information, with Our group companies. We

http://www.dvla.gov.uk/

http://www.gov.im/transport/highways/dandv/welco


http://www.gov.im/transport/highways/dandv/welcome.xml





62

(RAC group companies) will use this for administration,

marketing, customer services and to calculate your

premium. We will disclose Your information to Our service

providers and agents for these purposes. We may keep

Your information for a reasonable period to contact You

about Our services.

We may transfer Your information outside of the European

Economic Area, for example to Asia. We will only do this

where it is necessary for the conclusion, or performance of

a contract between Us, or that We enter into at Your

request, in Your interest, or for administrative, or Our own

marketing purposes.

When You give Us information about another person, You

confirm that they have authorised You to act for them, to

consent to the processing and use of their personal data in

the manner described in this notice and to receive on their

behalf any data protection notice.

You have the right to ask for a copy of Your information

(for which We will charge a small fee) and to correct any

inaccuracies.

We may record telephone calls for staff training and

evidential purposes.

Sensitive data

By proceeding with this contract You give Us consent to

use Your sensitive personal data e.g. health data for Your

registration under the Motability Scheme (if appropriate),

solely for the purposes for which You submit it.

63

Terms and conditions – including Europe

This Policy is a contract between Us and You. We agree to

provide services/pay for those costs set out in this Policy

which occur during the Period of Cover, provided payment

of the appropriate premium has been made and subject to

the following terms and conditions.

Definitions

If the service You require is not provided for under this

Policy, We will try, if You wish, to arrange it at Your

expense. The terms of, and any payment for, any such

service are a matter for You and the supplier and We will

not act as an agent.

Below are certain words that have a specific meaning in this Policy and wherever these words appear they have the following

meaning:

Accident” means an Accidental crash immobilising the insured Vehicle.

“Breakdown” means unforeseen mechanical or electrical failure during the Period of Cover in the

United Kingdom and Europe which has either immobilised Your Vehicle or made it

unsafe to drive.

“Claim” means a call/claim for assistance under this Policy.

“Collision Damage Waiver” means if a hire car is damaged during the hire period You could be liable for the

equivalent of the first £150 - £550 (approximately) and have Your credit card charged. In

some cases the amount could be higher and varies according to the hire company,

category of hire car and location. The Collision Damage Waiver covers the amount above

the excess.

“Fulfilment Material” means the confirmation of Policy coverage provided to You by Us or on Our behalf.

“Home” means your permanent residence in the United Kingdom.

“Period of Cover” means the duration of Your cover as stated in Your Policy Documents.

“Policy Documents” means this Policy wording and all associated documentation provided to You by Your

insurer on Our behalf.

“Resident of the United

Kingdom”

means a person living permanently in the United Kingdom or a person employed by a

company having its registered office in the United Kingdom.

“Specialist Equipment” is equipment not carried by RAC patrols or RAC contractors and includes but is not

limited to winching and specialist lifting equipment.

“Territory” Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia Herzegovina,

Bulgaria, Croatia, Cyprus (South), Czech Republic, Denmark, Estonia, Finland, France,

Georgia, Germany, Gibraltar, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein,

Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands,

Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (West of the Urals), San

Marino, Serbia, Slovakia, Slovenia, Spain (excluding Ceuta and Melilla), Sweden,

Switzerland, Turkey in Europe plus Uskudar, Ukraine, Vatican City

“The Party/Your Party” means the persons including You, travelling with You in the Vehicle.

“United Kingdom/UK” means England, Scotland, Wales, Northern Ireland and for the purpose of this document

includes Jersey, Guernsey and the Isle of Man.

“Vehicle” means the Vehicle specified in the Fulfilment Material being eligible to receive services

under this Policy.

“Vehicle Licensing Agency” means the Driver and Vehicle Licensing Agency (DVLA), Swansea SA6 7JL responsible for

registration of vehicles in the UK and the equivalent authority in Northern Ireland for

vehicles in Northern Ireland. Or the Isle of Man Department of Transport for customers

living in the Isle of Man.

“We/Our/Us/RAC” means RAC Motoring Services and/or RAC Insurance Limited.

“You/Your” means the person or persons named on the policy/related motor insurance policy in the

Fulfilment Material when driving the Vehicle, or any other person driving the Vehicle

with the owners consent.

64

Important information

Choice of law

The laws of England and Wales govern Your Policy, unless

You and We agree otherwise and the agreement has been

put in writing by Us.

Use of language


conditions and other information relating to this contract

will be in English.

Additional Covers – Refund of premiums

If you have purchased additional cover options with this

Policy no refund is available on those additional covers if

they are subsequently removed after the statutory

cancellation period.

Telephone recording

What to do if You Breakdown

If You are unfortunate enough to Breakdown, please

follow these simple steps.

1. Call the appropriate number stated in the table below.

2. Have to hand Your Policy number and Vehicle

registration.

3. Advise the operator of the location of Your Vehicle and

the nature of the fault.

RAC will then advise how to proceed and what form of

assistance would be the most appropriate.

Remember to always call RAC first. Please do not go

ahead and make Your own arrangements as RAC cannot

reimburse costs incurred without prior authorisation.

For our joint protection, telephone calls may be recorded

and/or monitored.

UK 0330 159 0225 (pay call)

France and Monaco 0800 290 112

(freephone within France and Monaco only

The telephone numbers are correct at the time of printing.

The date is detailed on the back cover of this policy

wording.

* If You are calling from a UK mobile phone, Your network

provider may not allow You to call a freephone 1800

number. Please check with Your service provider prior to

travelling. Customers who are affected can contact Us on

00 44 800 107 9058. Your network provider may charge You

for this call.

“03 numbers are charged at national call rates and

included in inclusive minute plans from landlines and

mobiles.

Calls may be monitored and/or recorded.”

Customers with hearing difficulties can contact RAC using

a Text Phone and prefix the relevant number with 18001 to

be connected to Typetalk or use the SMS facilities on

07855 828282. These services are not available outside of

the United Kingdom.

Breakdowns on motorways

On continental motorways (including service areas) You

MUST use the Roadside emergency telephones. You

cannot call RAC control centres from these. You will be

connected to the police or authorised motorway service,

who will send a Breakdown recovery vehicle. However,

this will only be to the recovery company’s own depot if

they cannot fix Your Vehicle – contact RAC using the

numbers above as soon as You can, if possible from the

recovery company’s depot.

You may have to pay labour and towing charges on the

spot – an authorised tariff is normally applicable. You

should obtain a receipt to claim a refund on Your return

Home.

Mobiles and car phones

RAC will not reimburse the cost of any telephone calls You

make in connection with any Breakdown under this Policy

(including mobile phone calls).

It may not be possible for an RAC control centre to call a

mobile or car phone but when it is, You may still have to

pay the cost of any international call. Some service

providers charge for calls to freephone numbers. The

regulations on the use of mobile and car phones vary from

country to country. Please check with Your service

provider that Your phone meets the requirements and

standards for the countries in which You are travelling.

Services provided

Service in the UK

Cover applies to Vehicles registered with the relevant

Vehicle Licensing Agency only.

Roadside

If You are stranded on a public highway (or other road or

area to which the public has the right of access) as a

result of a Breakdown to Your Vehicle, We will send an

RAC patrol or contractor to help You.

We will try to repair Your Vehicle at the roadside.

Roadside includes labour at the scene of the Breakdown

(but not labour at any garage to which the Vehicle is

taken).

If We cannot repair the Vehicle at the roadside, and We

believe repairs are unwise or cannot be completed within

00 33 472 43 52 44 (pay call)

Republic of Ireland 1 800 535 005* (freephone)

Rest of Europe 00 33 472 43 52 44 (pay call)

Serbia and Montenegro 99 33 472 43 52 44 (pay call)

Azerbaijan, Belarus, Georgia, Russia, Ukraine 810 33 472 43 52 44 (pay call)

65

a reasonable time, We will take the Vehicle and up to 8

people to a destination of Your choice within 10 miles of

the scene of the Breakdown. If You have no preferred

destination, We will take the Vehicle to a nearby garage. If

You wish the Vehicle to be taken to any other destination,

You will have to pay for the towage costs for the whole

distance.

If You need to leave Your Vehicle at the garage We will

reimburse You for taxi fares up to 20 miles (a receipt must

be obtained).

Roadside does not cover:

1. Breakdowns which would be prevented by routine

servicing of Your Vehicle

2. Routine servicing of the Vehicle

3. Replacing tyres or windows

4. Any labour other than that incurred at the roadside

including, without limitation, garages.

5. Missing or broken keys. We will try to arrange the

services of a locksmith but You will have to pay for

them

6. The cost of ferry crossings, road toll and congestion

charges

7. Vehicles being demonstrated or delivered by motor

traders, or used under trade plates

8. Vehicles, which in the reasonable opinion of Our

patrol or contractor, had broken down or were

unroadworthy before You took out Your Policy

9. Vehicles which break down within 1/4 mile of Your

Home address or where You normally keep the

Vehicle

10. Contaminated fuel problems. We will arrange for Your

Vehicle to be taken to a local garage for assistance,

but You will have to pay for the work carried out

11. The cost of parts, fuel or other supplies

12. Any Vehicle storage charges incurred when You are

using Our services

13. Breakdown caused by or following an Accident, fire,

theft or act of vandalism. If You call Us for assistance

following such an incident You will be liable to pay Us

for removal. (Subject to the terms of Your insurance

Policy, You can then reclaim these costs through Your

insurance)

14. The tow or transport of any Vehicle, which, in Our

reasonable opinion, is loaded beyond its legal limit

15. Any Vehicle in a position where We cannot work on it

or tow it, or wheels have been removed, We can

arrange to rectify this but You will have to pay the

costs involved

16. Any animals in Your Vehicle, please note that their

onward transportation is at Our discretion and solely

at Your risk. We will not insure any animal, including

livestock in transit, during any onward transportation

We undertake.

Recovery

Recovery has the same terms and conditions as Roadside


If We cannot get Your Vehicle repaired locally within what

We deem to be a reasonable time, We will take the Vehicle

and up to 8 people Home or to a single address anywhere

else within the UK. If there are more than 5 people this

may require two separate Vehicles. An adult must

accompany any persons under the age of 16.

You can use Recovery if You are ill, and there are no

passengers who can drive the Vehicle, so that You cannot

continue Your trip. You must show Us a doctor’s medical

certificate confirming Your inability to drive (in these

cases, We will provide this service as We see fit).

Residents of Northern Ireland are also entitled to be

recovered from the Republic of

Ireland.

Recovery does not cover:

1. Any Vehicle which in Our reasonable opinion was

broken down or unroadworthy at the time You took out

Your Policy.

2. The use of Recovery as a way to avoid paying repair

costs.

3. A second Recovery if:

a) the original fault has not been repaired properly

by a party other than RAC;

b) RAC have advised You that it is a temporary

repair; or

c) the desired destination cannot accept the Vehicle

due to company opening hours or other

restrictions.

4. If a second Recovery is required this service can be

provided but a charge will be made dependent on the

service required, time of day and distance. These

charges will be payable by credit/debit card prior to

the relevant service being provided.


Policy.

At Home

At Home has the same terms and conditions as Roadside


At Home allows You to use Roadside within 1/4 mile of

Your Home address or where You normally keep the

Vehicle.

At Home does not cover:

1. The rectifying of failed or attempted repairs.

2. The reimbursement of taxi fares.


Policy .

4. Recovery of the Vehicle.

Onward Travel

Onward Travel benefits must be arranged at the time of

Breakdown and cannot be requested later.

You are entitled to one of the following extra benefits once

We have decided that We cannot get the Vehicle repaired

locally.

Replacement car hire.

66

Alternative transport costs.

Hotel accommodation.

You can use the Onward Travel benefits from Your Home

address or within 1/4 mile of Your Home address. This

excludes incidents where We have been called to rectify

failed repairs.

Replacement car hire

We will pay for:

1. Up to two day’s hire cost of a manual car of similar

cubic capacity to Your Vehicle up to 1600cc if your

Vehicle is being repaired.

2. Insurance (including collision damage waiver).

Replacement car hire is subject to availability and Our

supplier’s terms and conditions, which will usually

include:

1. Age limits. Drivers must be at least 21 years of age.

2. The need to have a current driving licence, and, if held,

a driving licence photo card, with You

3. Limits on acceptable types or numbers of motoring

offence penalties and/or penalty points endorsed on

Your driving licence.

4. The need to provide a valid credit card number

(Alternatively, the car rental provider will require a

deposit of no less than £50 and may also undertake a

simple credit check, before releasing the Vehicle to

You).

Hire cars are not usually available with a tow bar, and

therefore Your caravan or trailer will, if eligible, be

recovered under Recovery with Your broken down Vehicle.

After taking a fair and reasonable view of the

circumstances, we may decide that a hire car is not a

practicable solution, and hotel accommodation or

alternative transport will be provided instead.

If You require a second or any other type of vehicle We will

try to arrange this for You, You will have to pay for any

additional costs.

Alternative transport

We will reimburse You for standard class rail or other

transport of Our choice for up to 8 people to reach the end

of their journey within the UK. We will pay up to £150 a

person or £500 for a group whichever is less.

Hotel accommodation

We will arrange and reimburse You for one night’s bed

and breakfast for up to 8 people in a hotel of Our choice.

We will pay up to £150 a person or £500 for each Party

whichever is less. You will have to pay for any extra hotel

or transport costs.

Special medical assistance

Onward Travel also provides special medical assistance. If

You or one of Your passengers is taken into hospital more

than 20 miles from Home We will arrange and pay for

overnight accommodation for the other passengers, as

described in “Hotel accommodation” above.

We will also arrange for an ambulance to take the patient

to a local hospital near to their Home once medical

permission has been given. Special medical assistance is

not available for planned hospital visits.

What is not covered.

1. Other charges arising from Your use of the hire car,

such as fuel costs, deposit, any insurance excess

charges, collecting and returning the vehicle and any

costs due to You keeping the car after the agreed

period of hire (You must settle these charges directly

with the supplier).

2. A second use of the Onward Travel benefits if the

original fault has not been properly repaired by a third

party other than RAC or if We have advised You that it

is a temporary repair.

3. If You are unfortunate enough to have an incident with

the hire vehicle and You make an insurance claim, You

will be responsible for paying any excess.


Policy.

5. Any of the Onward Travel benefits, as stated above,

before Our attendance of the Breakdown incident.

6. Any of the Onward Travel benefits, as stated above, if

the vehicle is not displaying a valid excise licence.

European Motoring Assistance

European cover applies to Vehicles registered with the

relevant Vehicle Licensing Agency and operates

throughout the Territory as defined on Page 2.

Service in the UK en route to Europe

If You are stranded on a public highway through

Breakdown of Your Vehicle on the outward journey from

Home to Your point of departure from the UK or on the

inward journey from Your point of entry to the UK, to

Home, We will provide services as if You were abroad.

In addition We will pay towards the cost of self-drive hire

car including Collision Damage Waiver and replacement

Green Card as necessary, to complete the planned journey

if RAC confirms Your Vehicle cannot be repaired within 24

hours, this is subject to a maximum contribution of £750.

Service whilst in Europe

You are covered for any number of trips, each up to 90

days in duration but not for longer stays and provided the

outward and return journeys are completed in the Period

of Cover.

There is an overall limit of £2500 per Claim applied to

Claims relating to European cover.

Roadside Assistance

In the event of a Breakdown We will pay for the following

subject to the limitations for each section as described in

the Policy description:

We will pay for:

1. Attendance of local Breakdown or garage services to

repair the Vehicle at the Roadside if possible; or

2. Tow of the Vehicle from the place of Breakdown or

Accident to the nearest local repairer where You may

arrange repairs and either:

67

a) a contribution towards labour charges at a garage

(restricted up to the total claims limit) if it is possible

to effect the repairs necessary to enable the Vehicle to

continue the journey on the date of Breakdown; or

b) inspection fees, in the event of a Breakdown, to

confirm that the Vehicle cannot be repaired by Your

return travel date and Your request for assistance will

include authorisation for Us to arrange this; and

3. 3. Storage charges for the Vehicle while awaiting

repair or repatriation

4. 4. The cost of wheel changes but not for replacement

tyres.

We will not pay for:

1. Any labour costs other than those incurred at the

roadside. We will not pay labour costs at any garage to

which the Vehicle is taken other than under paragraph

numbered 2 above; or

2. Repair costs, including labour, if the Vehicle was in a

road traffic Accident, damaged by fire or stolen or is,

in Our reasonable opinion, uneconomical to repair; or

3. The cost of parts used for roadside or garage repairs;

or

4. The cost of any repairs not directly necessary to

enable the Vehicle to continue the journey on the date

of the Breakdown; or

5. The cost of any other supplies, including but not

limited to Specialist Equipment.

If the appropriate RAC control centre can confirm repairs

to the Vehicle will take more than 12 hours of being

notified of a Breakdown, or if it is to be repatriated to the

United Kingdom, then We will pay for either:

a) Additional accommodation expenses

We will pay up to £30 per person per day towards

necessary additional (not alternative)

accommodation expenses (room only) while You

wait for Your Vehicle.

We will not pay for the costs of meals and any

other costs that are not specified above. Or

b) Journey continuation or return Home

A contribution (restricted up to the total claims

limit) to travel expenses to allow You to either:

1. Continue the planned journey during the period Your

Vehicle is not roadworthy

2. Return Home by direct route

Expenses can comprise of self-drive car hire up to 14 days

per claim, including Collision Damage Waiver (see

“Important self-drive hire car information”) and

replacement Green Card as necessary, or

second/standard class rail, or a combination of both. RAC

will in its sole discretion decide which course of action to

adopt, but RAC will take into consideration Your

preference.

You must collect the Vehicle when repaired as once the

Vehicle is repaired and You have been notified, RAC will

not pay any further expenses other than the costs of

collection.

This benefit is also available if Your Vehicle is stolen and

not recovered within 24 hours of reporting the matter to

the police. A police report must be obtained. However, this

benefit will cease if Your Vehicle is recovered in a

roadworthy condition.


1. Fuel, oil, personal insurance, any collection charge if a

hire car is left at a different location to that arranged

or any other costs in connection with self-drive hire

car

2. The cost of any car hire beyond the period agreed with

the appropriate RAC control centre

3. Any car hire expenses after Your Vehicle is repaired

except for the direct journey to return and collect it

4. First class rail fares

5. Any costs under this benefit if they are for a service

You used at the same time as the above section

“Additional accommodation expenses”

6. International drop charges where a Vehicle hired from

abroad is dropped within the UK

7. The costs of hiring a motorcycle

8. Any hire costs not arranged through RAC or agreed by

RAC.

You will have the following cover if RAC can confirm that

repairs cannot be completed by your planned return date

to the United Kingdom and providing the cost of

repatriation is not uneconomical. (Repatriation will be

uneconomical if it will cost more than the UK market value

of Your Vehicle according to Glass’s guide or other

appropriate industry standard used by RAC.)

Cover is available for either:

a) Vehicle repatriation

We will pay for the cost of taking the Vehicle by road

transporter from abroad to Your Home or chosen UK

repairer for repair.

We will also pay the costs of packing and freighting Your

baggage if the Vehicle is declared a “Write-off” by the

Vehicle’s insurers.

When repatriation is authorised it normally takes 10-14

working days for delivery to a UK address from most west

European countries. At busy times and from east

European countries it may take longer.

If the Vehicle has been fitted with a roof box or bicycle

rack, You must remove and place it inside the Vehicle. The

roof box keys need to be left with Your Vehicle keys.


1. Claims for any repatriation not authorised by the

appropriate RAC control centre

2. The cost of repatriation if this is uneconomical.

Repatriation will be uneconomical if it will cost more

than the UK market value of Your Vehicle according to

Glass’s guide or other appropriate industry standard

used by RAC.

3. The cost of repatriation if Your Vehicle is roadworthy

68

4. Any Claim if Your Vehicle is being repatriated and

Customs in any country find its contents are breaking

the law

5. Any further costs in connection with the Vehicle once

declared a write-off by Us. Or

b) Collection of Vehicle from Abroad

We will pay the following costs up to £600 for one person

to collect Your Vehicle, repaired abroad after a

Breakdown:

1. Standard/second class rail fare plus other public

transport fares which are necessary to reach the

place of collection.

2. Additional homeward cross channel ferry or rail fare

for the repaired Vehicle (calculated by taking the

actual fare less the value of any unused homeward

portion of Your original cross channel ticket).

3. Up to £30 per night for single room hotel

accommodation necessary to complete the round trip

(limited to room only).


1. First class rail fares

2. The cost of any meals

3. The costs of more than one person.

Note: The appropriate RAC control centre will, after taking

a fair and reasonable view, decide whether Your

Vehicle should be repaired abroad for You (or someone

nominated by You) to return and collect.

Authority for repatriation or repair

If Your Vehicle is not able to be driven due to a road traffic

Accident, fire, break-in or theft, any damage which You are

entitled to have repaired by Your motor insurers must be

reported to them immediately. Your insurers must decide

whether to declare the Vehicle is a write-off, authorise

repair abroad or have the Vehicle repatriated. We cannot

repatriate the Vehicle unless Your insurers first give their

permission.

We also reserve the right to negotiate with them to

reclaim costs incurred. If Your insurers cannot or do not

give permission to repatriate then it is Our decision alone

whether to declare the Vehicle a write-off, or repatriate or

repair locally a Vehicle which cannot be driven as a result

of a Breakdown, or as a result of a road traffic Accident,

fire or theft, for which You do not have fully comprehensive

cover.

Additional services

We will pay for the costs of providing the following if

applicable.

Vehicle break-in, emergency repairs

We will pay:

1. The cost of immediate emergency repairs, up to £175,

necessary to make Your Vehicle secure in the event of

damage to window, locks or windscreen caused solely

by forcible entry, or attempted forcible entry provided

You report the matter to the police either before

contacting Us or within 24 hours of contacting Us, and

You have obtained a written report from the police.


1. The cost of repairs if they are not to make Your

Vehicle secure and for the reasons stated

2. Any repair costs if You do not obtain a police report

and submit it with Your Claim.

3. Repatriation benefits as described under the section

entitled ‘Vehicle repatriation’.

Spare parts dispatch

If as a result of a Breakdown Your Vehicle needs parts but

these are unavailable locally

We will pay for:

1. Freight, handling and ancillary charges for dispatch of

spare parts not obtainable locally

2. The fare for one person to collect parts from the

appropriate railway station or airport.


1. The cost of parts themselves, which must be paid on

receipt. When telephoning the RAC control centre You

will be asked for Your credit card details. Alternatively

You will be asked to pay for the part(s) direct to the

repairer.

Accidental damage to or loss of tent

We will pay:

1. A contribution to accommodation expenses of up to

£35 per person per day if during the Period of Cover

You are camping and Your tent is damaged

accidentally making it unusable, or it is stolen.

Alternatively, We may at Our option authorise the cost

of a replacement tent. If Your tent is stolen You must

report the theft to the police within

24 hours and obtain a written report.


1. The cost of meals or any other costs that are not

specified above.

2. Damage caused by weather conditions

3. The cost of a replacement tent not authorised by Us

4. Any costs if Your tent was stolen and You do not report

the theft to the police within 24 hours and obtain a

written report.

Urgent message relay service

We will pay for:

1. The cost of relaying urgent messages from the

appropriate RAC control centre to Your immediate

relatives or close business associates if the Vehicle

cannot be driven because of Breakdown, Accident or

fire or it is stolen.


1. The cost of non urgent messages or messages to

persons not described in the previous paragraph

2. The cost of relaying any urgent message not arranged

through the appropriate RAC control centre.

Replacement driver

69

We will pay for:

1. The cost of providing a replacement driver to drive

Your Vehicle and Your Party to Your destination or

Home, if a registered doctor declares You medically

unfit to drive and You are the only qualified driver.


1. Replacement driver cost if there is another qualified

driver in The Party who is fit to drive.

2. More than one Claim per journey abroad.

Customs claims indemnity

We will pay for continental or Irish Customs Claims for

duty if:

1. The Vehicle is beyond economic repair as a result of

fire or theft abroad during the journey and it has to be

disposed of abroad under Customs supervision; or

2. It is stolen abroad during the journey and not

recovered. RAC will deal with necessary

Customs formalities.

To arrange, please call: RAC European Support, 0330 159

0342 Monday to Friday 9am-5pm. We will not pay any

import duties not relating to the Vehicle.

European Claims procedure and conditions

When providing assistance We make every effort to meet

on Your behalf all costs within the limits set out in this

document. However, in some instances You may be asked

to pay locally and reclaim costs on Your return to the

United Kingdom. There may also be occasions when You

arrange and pay for assistance direct and wish to reclaim

the cost.

RAC European claims are handled by: RAC Customer

Care,

RAC Motoring Services,

Great Park Road

Bristol

BS32 4QN

If You have paid any cost which You believe is covered

under Your Policy, please telephone Us for a claim form

immediately on Your return Home, quoting Your Policy

reference and Vehicle registration number. When

returning Your completed claim form You should enclose

relevant original receipts (not photocopies).

If You have any enquiries relating to repatriations or

Claims associated with Our European Service, please

contact Us on 0330 159 0342 or email:

[email protected].

Payment of Claims depends on You complying with the

following conditions for all of Your Policy.

1. You must keep all relevant original receipts (not

photocopies) as they will be needed for any Claim. We

may refuse to pay expenses You are Claiming back if

You cannot provide original receipts or bills for the

items You have paid.

2. You must make any Claim on an RAC claim form,

please bring Your Claim to Our attention as soon as

You can (if possible within 28 days) after You return to

the United Kingdom. Claims which are not on an RAC

claim form will not be accepted. This does not affect

Your statutory rights to take legal action in or exercise

any other legal remedy.

3. If We pay out money for You under Your Policy We can

take over Your right to get that money back. You must

cooperate with Us as much as possible if requested by

Us.

4. You must do all You can to prevent Accident, injury,

loss or damage, as if You were not covered under Your

Policy.

5. You must forward to Us any writ, summons, legal

document or other communication about the Claim as

soon as You receive them.

6. You must obtain any original receipts, certificates,

police reports, evidence, etc and give all the

information and help We may need at Your expense.

This includes medical certificates and details of Your

household insurance if necessary.

7. You must not admit liability or offer or promise

payment without Our written permission.

8. You must, within 7 days of any request from Us, send

to Us copies of any European Accident statements

(called a “Constat d’amiable” in France) and/or any

police reports should You use the Policy following a

road traffic incident.

Policy Requirements and Limitations

Service in the UK and Abroad

Credit card details

We will require Your credit card details if We arrange a

service for You which is not covered by Your Policy or if it

exceeds the Policy limits set out in the part entitled

“Policy Description”. If You do not provide Us with Your

credit card details RAC will not be able to provide certain

services which will be notified to You when credit card

details are requested.

Motorcycles

The Policy covers motorcycles on the same basis as other

eligible Vehicles. However, it is not possible for Us to hire

a motorcycle if a replacement Vehicle is required. A hire

car or alternative transport will be arranged, whichever is

most suitable. We are also unable to hire a trailer for You

to transport Your motorcycle.

Caravans and trailers

The Vehicle restrictions in this Policy apply equally to

caravans and trailers except that the maximum length of

trailers and/or caravans must not exceed 7.6 metres. If

the Vehicle which has suffered a Breakdown is towing a

caravan or trailer and We provide recovery, the caravan or

trailer will be recovered together with the vehicle to a

single destination. Other than as set out in this paragraph

caravans and trailers are not covered by this Policy.

We do Our best to find solutions to motoring problems,

but We regret We cannot arrange a replacement caravan

or trailer in the event of Breakdown or Accident damage

which cannot be repaired. It is also virtually impossible to

hire vehicles with tow bars and it may become necessary

to repatriate a caravan or trailer together with a towing

Vehicle which cannot be repaired abroad by the return

date.


70

Unforeseeable losses or events

Except in relation to any claim You may have for death or

personal injury, if We are in breach of the arrangements

under this contract, We will not be liable for any losses or

damages which are not a reasonably foreseeable result of

any such breach, for example, loss of profit,

loss of revenue or anticipated savings, loss of contracts, or

for any business losses.

We do not guarantee the provision of any of the benefits

under Your Policy, if there is anything beyond Our

reasonable control or the reasonable control of any

service provider which prevents Us or a service provider

from providing that benefit. Benefits may be refused if You

or any of Your Party behaves in a threatening or abusive

way to any persons providing service under this Policy.

Taxi bookings

In some circumstances it can be quicker and easier for

You to arrange a taxi. We may ask You to make Your own

arrangements for taxi service. If so please send Your

receipts to Us and We will reimburse You.

Vehicle condition

Your Vehicle must be roadworthy and in good mechanical

condition when You apply for cover and You must keep it in

that condition.

Fraud

If any Claim is found to be fraudulent in any way Your

Policy will be cancelled immediately and all claims

forfeited.

Service in the UK only

Battery related faults

For battery related faults Your Policy entitlements are as

follows:

1. RAC’s initial attendance for a battery related fault is

included in Your Policy’s entitlement.

2. The fitting of any parts or batteries purchased by You

prior to our attendance is not covered. This is to

ensure that parts are fitted from reputable sources in

order to avoid secondary callouts.

3. RAC will test Your battery at that initial Breakdown

attendance. If the battery is no longer serviceable and

so fails the test You will be advised to replace it.

4. If a condemned (non serviceable) battery is not

replaced, We may provide further assistance to a

battery related fault but in this case a separate charge

will apply. The charge will be payable by credit or

debit card before assistance can be arranged.

Service abroad only

Motor insurance

RAC European cover is not motor vehicle insurance. We

strongly recommend You tell Your motor insurers before

taking Your Vehicle abroad. If You do not, Your motor

insurance Policy will only cover You for damage You might

cause to other people or their property (third party cover).

This means that You will not be covered for any loss or

damage to Your Vehicle. Your insurers will also need to

know if You are towing a caravan or trailer.

Service providers

Unless the services are provided by RAC patrols or

contractors acting on Our instructions and on Our behalf,

We do not give any guarantee as to the services provided

by garages, breakdown/recovery companies, repairers, car

hire companies and other third party service providers

whose emergency services We arrange on your behalf

and/or pay for under European Motoring Assistance - they

do not act as Our agents or subcontractors and We do not

accept responsibility for their acts or omissions. You

should check that any repairs to Your Vehicle are carried

out to Your reasonable satisfaction.

Availability of service in eastern Europe

Every effort is made by RAC to make sure that a good

quality service is provided in eastern European countries

but this may not necessarily be to the same standards as

in western Europe. The situation varies from country to

country but time delays may occur, telephones are

sometimes not available, garage facilities may be

inadequate, spare parts are often not available, etc.

Service in certain countries may become disrupted or

unavailable due to prevailing political, economic,

infrastructural or environmental conditions, for which RAC

cannot accept responsibility. Information can be obtained

from the Foreign & Commonwealth Office –

www.gov.uk/foreign-travel-advice

Important self-drive hire car information

We will normally try to arrange a hire car similar in

seating capacity and volume to, but not necessarily the

same as, Your Vehicle, if there is one available. If You were

travelling in an MPV or similar Vehicle We may arrange

two hire cars.

We will only arrange this if there are two qualified drivers

in Your Party. Otherwise, We will arrange alternative

means of transport.

Self-drive car hire arranged under Your Policy will be

subject to the normal conditions of the hiring company.

These will include limitations on driver age, driving

convictions and other licence penalties, etc. The driver

must also have held a full UK driving licence or equivalent

for a minimum of 1 year (2 years for France).

Your credit card details will also be required as security

for the hire and to cover extras such as top-up of the fuel

tank when returning the Vehicle. Car hire companies

insist on having credit card details at the time of booking

and the card must be produced at the time of hiring the

car. The name on the credit card and the name of the

driver of the hire vehicle must be the same. Switch cards

and debit cards are not acceptable. If You leave a hire car

at a different location to the one arranged by the RAC

control centre You must pay any collection charge which

may be made.

Please note that many car hire companies across Europe

charge a damage excess which is not covered by the

collision damage waiver (CDW). This means that if the car

is damaged during the hire period You could be liable for

the equivalent of the first £150-£550 (approximately) and

have Your credit card charged.

In some cases the amount could be higher and varies

according to hire company, category of hire car and

location. The CDW covers the amount above the excess.

http://www.gov.uk/foreign-travel-advice

71

In some parts of Europe hire cars are not allowed to cross

national borders. In Greece and eastern Europe

international drop-offs are not permitted. It may be

necessary therefore

to arrange two hires or alternative transport to complete

Your journey. A car hired abroad must not be brought into

the United Kingdom.

A second car hire will be arranged for the United Kingdom

part of Your journey. We cannot guarantee a hire car will

be available.

We cannot arrange the hire of motorised caravans,

motorcycles, convertibles or Vehicles with tow bar, roof

rack, roof boxes, automatic gearbox, sports cars, 4x4 or

luxury class Vehicles and cannot guarantee the hire of

minibuses or vans.

We will not be responsible for any delays in obtaining a

hired vehicle and cannot guarantee to provide it in time to

connect with Your pre-booked ferry, etc. You may have to

collect a hired vehicle from the nearest available place of

supply.

Special requirements for Vehicles with over 9 seats

The supply of minibuses as a replacement Vehicle can

often prove difficult. When one is available the following

regulations apply:

Drivers must be at least 21 years old and have a full year’s

car driving experience. Special documents and

tachographs are mandatory throughout the EU. For more

information contact Your local Department of Transport

Area Office for details.

Repayment of credit

You must pay back to Us on demand:

1. Any costs We have paid for which You are not covered

under Your Policy

2. The cost of any spare parts supplied.

Spares dispatch

After You have asked the appropriate RAC control centre

to dispatch parts You are responsible for paying for them

in full, even if You later obtain them locally.

We will arrange to dispatch parts as quickly as possible

but delays will occur at weekends and bank holidays. We

will not be responsible for manufacturers’ or suppliers’

errors, loss or damage of parts in transit or any delay in

delivery.

Policy exclusions (service in the UK and

abroad)

In addition to any limits and exclusions noted elsewhere in

Your Policy, Your Policy does not cover:

1. Costs for anything which was not caused by the

incident You are claiming for.

2. Breakdowns in the UK resulting from road traffic

Accidents, vandalism, fire or theft.

3. Vehicles which have broken down as a result of taking

part in any motor sport event (including, without

limitations rallies or stock car racing) which takes

place off the road and / or is not subject to the normal

rules of the road. However, vehicles participating in

any event (such as a treasure hunt, touring assembly

or navigational road rally), which takes place on, and

comply with the normal rules of the road will be

covered.

4. Any claim if the Vehicle suffers a Breakdown at a

motor traders premises, garage or premises offering

vehicle repair.

5. The cost of all parts, garage, labour or other costs in

excess of Your Policy limits set out in the part entitled

“Terms and Conditions”. Please note these costs in

the Territory are likely to be higher than in the UK.

6. Loss caused by any delay, whether the benefit or

service is being provided by Us or someone else (for

example a garage, hotel, car hire company, carrier,

etc).

7. Any incident affecting a vehicle hired under the terms

of this Policy.

8. Routine servicing of Your Vehicle.

9. The cost of a glass or tyre specialist. We will arrange




arranged but You will be liable for any additional costs.

10. The cost of a locksmith if You lose, break, or lock Your

keys in Your Vehicle. If We are unable to open Your

Vehicle, We will arrange for a locksmith to attend

where available, but You will be responsible for the

costs. If a locksmith is not available, We will arrange




arranged but You will be liable for any additional

costs.

11. Any consequence whatsoever which is the direct or

indirect result of any of the following, or anything

connected with any of the following, whether or not

such consequence has been contributed to by any

other cause or event:

a) War, invasion, act of foreign enemy, hostilities or a

warlike operation or operations (whether war be

declared or not), civil war, mutiny, rebellion,

revolution, military rising, insurrection, civil

commotion assuming the proportions of or

amounting to an uprising, military or usurped

power.

b) Terrorism

Terrorism is defined as any act or acts including,

but not limited to:

i) the use or threat of force and/or violence

and/or

ii) harm or damage to life or to property (or the

threat of such harm or damage) including, but

not limited to, harm or damage by nuclear

and/or chemical and/or biological and /or

radiological means caused or occasioned by

any person(s) or group(s) of persons in whole

or in part for political, religious, ideological or

similar purposes including, but not limited to,

the intention to influence any government

and/ or to put the public or any section of the

72

public in fear, or is claimed to be caused or

occasioned in whole or in part for such

purposes.

c) Any action taken in controlling, preventing,

suppressing or in any way relating to (a) or (b)

above.

12. Any claim caused directly or indirectly by the

overloading of Your Vehicle and/or any caravan or

trailer.

13. Any claim as a result of Vehicle Breakdown due to:

a) running out of oil or water;

b) frost damage;

c) rust or corrosion;

d) tyres which are not roadworthy;

e) using the incorrect fuel

14. Any claim caused directly or indirectly by the effect of

intoxicating liquors or drugs.

15. Any claim where Your Vehicle is being driven by

persons who do not hold a full United Kingdom or

other recognised and accepted driving licence valid

for use in the United Kingdom.

16. Any claim which You have made successfully under

any other policy of insurance held by You. If the value

of Your claim is more than the amount You can get

from Your other insurance We may pay the difference

subject to these Policy limits and exclusions.

17. The cost of any transportation, accommodation or

care of any animal. Any onward transportation is at

Our discretion and solely at Your risk. We will not

insure any animal during any onward transportation

We may undertake.

18. Any period outside Your Period of Cover.

19. Any Vehicle other than a car, motorcycle 121cc or

over, motor caravan, minibus fitted with not more than

17 seats including driver, light van, estate car, MPV or

4 x 4 sport utility Vehicle and provided that the Vehicle

conforms to the following specification:

a) maximum legal laden weight of 3,500kg (3.5

tonnes). This weight is called the Gross Vehicle

Mass (GVM);

b) maximum overall dimensions of: length 5.5m;

height 3m; width 2.3m (all including any load

carried).

The Vehicle restrictions apply equally to caravans and

trailers except that the maximum length of trailers and/or

caravans must not exceed 7.6 m. If the Vehicle which has

suffered a Breakdown is towing a caravan or trailer and

We provide recovery, the caravan or trailer will be

recovered together with the Vehicle to a single

destination. Other than as set out above caravans and

trailers are not covered under this Policy

If the Vehicle requires repatriation We will arrange for

repatriation of the caravan or trailer as well.

20. Any claim by You unless You are Resident of the

United Kingdom and the Vehicle is registered with the

relevant Vehicle Licensing Agency.

21. Any Vehicle carrying more persons than

recommended by the manufacturer, up to 8 person’s

maximum (including the driver). For minibuses the

maximum is increased to 17 persons (including the

driver). Each person must occupy a separate fixed

seat fitted during Vehicle construction and to the

manufacturer’s specification.

22. Your Vehicle if it is unattended.

23. Any personal effects, valuables or luggage left in Your

Vehicle or in any trailer, boat or caravan or any other

item being towed by or used in conjunction with the

Vehicle. These are Your responsibility.

24. Specialist Equipment costs. We will however arrange

for the specialist services if needed, but You will have

to pay for any additional costs direct to the contractor.

25. Any costs which are not directly covered by the terms

and conditions of this Policy.

26. Vehicles which were broken down/had suffered a

Breakdown or unroadworthy at the start of this Policy.

27. It is a legal requirement that Vehicles used or

recovered with their wheels in contact with the public

highway must have a valid current excise licence.

Where no current excise licence is displayed We will

attempt to fix Your Vehicle at the roadside but will not

provide any other service or benefit.

The above is not applicable to those vehicles exempt

under Section 5 of the Vehicle Excise and Registration

Act 1994 (which include certain types of vehicles,

including certain old vehicles, agricultural vehicles

and emergency vehicles) or under Section 5 of the

Vehicle Duty Order 2010 in Isle of Man. For further

information please contact either DVLA at

www.dvla.gov.uk or Vehicle Licensing, Dept of

Transport for Isle of Man at HYPERLINK

“http://www.gov.im/transport/highways/dandv/welco

me.xml”

www.gov.im/transport/highways/dandv/welcome.xml

28. The costs of any parts provided by RAC to fix Your

Vehicle at the roadside must be paid in full by

credit/debit card at time of Breakdown before work

can commence.

Your right to cancel

If You do not pay Your premium promptly, We will cancel

Your cover.

1. You are entitled to cancel Your Policy In full, or the

European cover only, up to 14 days following the

commencement (or renewal) date, or the date You

receive Your terms and conditions booklet, whichever

happens later.

2. If You have not made a Claim within the first 14 days

We will refund the cost of Your

3. Policy and /or the European cover.

4. If You use the service within the first 14 days and

decide to cancel, You will not be eligible for any

refund.

If You cancel the Policy or European cover after 14

days, no refund or credit will be given.

http://www.dvla.gov.uk/


http://www.gov.im/transport/highways/dandv/welcome.xml

73

5. Your Policy will automatically terminate in the event

that Your related motor insurance

Policy terminates.

6. If You cancel Your UK cover, Your European cover

entitlement will also cease. However, if You cancel

Your European cover, Your UK terms and conditions

can still remain.

7. To cancel Your Policy please contact Zenith Insurance

on 0344 257 8212.

Caring for our customers

We are committed to providing You with the highest


however, there may be occasions when You feel You did

not receive the standard of service You expected. Should

You have cause for complaint about any aspect

of the service We have provided to You, please contact Us

at the relevant address indicated and We will work with

You to resolve Your complaint.

We will deal promptly with Your query. Unless We can

satisfactorily resolve Your complaint within 24 hours We

will send You an acknowledgement within 5 working days,

along with a leaflet outlining Our complaints procedure. In

the unlikely event that we cannot resolve Your complaint

to Your satisfaction, depending on the product and the

nature of Your complaint You may refer Your concerns to

the Financial Ombudsman Service.

If you wish to refer your complaint to the Financial

Ombudsman Service, this must be done within 6 months of

our final response letter.

Here are their contact details: Financial Ombudsman

Service

Exchange Tower

London

E14 9SR

Telephone: 0300 123 9 123


Please quote Your full name, contact telephone number,

Policy number and Your Vehicle registration in any

communication.

If You have used Our Breakdown service and are

dissatisfied with any aspect of the service, please bring

the complaint to Our attention as soon as You can (if

possible, within 28 days of becoming aware of it). This

does not affect Your statutory rights to take legal action or

exercise any other legal remedy.

Please write to Us at: Breakdown Customer Care, RAC

Motoring Services, Great Park Road, Bristol, BS32 4QNor

email: [email protected].

If You are dissatisfied with the service You have received

under Your European Cover, please write to Us at:

Breakdown Customer Care, RAC Motoring Services, Great

Park Road, Bristol, BS32 4QN Freephone from the UK on

0800 107 5861 or from Europe on 00 44 161 332 1040 or

Fax 01922 746 528. Alternatively, email

[email protected].

Should you have cause for complaint about any aspect of

the policy sale and administration, please contact:

Customer Services Manager

iGO4 Limited

Olympus House

Staniland Way

Peterborough

PE4 6NA

Alternatively you can email us at

[email protected]

An acknowledgement that Your complaint has been

received will be sent to You within 5 working days

following which Your complaint will be investigated on

behalf of the Chief Executive.





74


RAC Motoring Services (in respect of insurance mediation

activities only) and RAC Insurance Limited are covered by

the Financial Services Compensation Scheme (FSCS).

If We cannot meet Our obligations You may be entitled to

compensation from the scheme, depending on Your type

of insurance and the circumstances of any Claim.

Further information about the scheme is available from the

FSCS website www.fscs.org.uk, or write to Financial

Services Compensation Scheme, 10th Floor, Beaufort

House, 15 St Botolph Street, London , EC3A 7QU.

Data Protection Act – information uses

For the purposes of the Data Protection Act 1998, the data

controller in relation to the information You supply is RAC

Motoring Services (RACMS), (Registered No: 01424389),

Registered Office: RAC House, Brockhurst Crescent,

Walsall, WS5 4AW.

RACMS will share the information You provide, together

with other information, with Our group companies. We

(RAC group companies) will use this for administration,

marketing, customer services and to calculate your

premium. We will disclose Your information to Our service

providers and agents for these purposes. We may keep

Your information for a reasonable period to contact You

about Our services.

We may transfer Your information outside of the European

Economic Area, for example to Asia. We will only do this

where it is necessary for the conclusion, or performance of

a contract between Us, or that We enter into at Your

request, in Your interest, or for administrative, or Our own

marketing purposes.

When You give Us information about another person, You

confirm that they have authorised You to act for them, to

consent to the processing and use of their personal data in

the manner described in this notice and to receive on their

behalf any data protection notice.

You have the right to ask for a copy of Your information

(for which We will charge a small fee) and to correct any

inaccuracies.

We may record telephone calls for staff training and

evidential purposes.

Sensitive data

By proceeding with this contract You give Us consent to

use Your sensitive personal data e.g. health data for Your

registration under the Motability Scheme (if appropriate),

solely for the purposes for which You submit it.

RAC Van Insurance is a trading name of RAC Financial Services Limited. Registered in England No 5171817. Registered office:

RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Van Insurance is arranged and administered by iGO4 Limited, which

is an independent intermediary. Registered in England No 5095154, registered office Olympus House, Staniland Way,

Peterborough, PE4 6NA. RAC Van Insurance is underwritten by a panel of Insurers. Both companies are authorised and

regulated by the Financial Conduct Authority VANINS.POL.0915.3918
