MMA Motor Breakdown provided by the RAC by dfsdf224s

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MMA Motor Breakdown
provided by the RAC
Policy
        24 Hour
    CLAIMS Assistance

Please keep the card below in a
 safe place in case you need to
      contact the helpline.



                         Motor Breakdown
                         0800 068 3489
• MMA Motor Breakdown is provided by the RAC
• Claims assistance available 24 hours a day, 365 days a year
• 1,500 branded patrol force
• Cover is provided for the vehicle whose registration
  number is on the document. This means that whoever is
  driving the registered vehicle is covered.
Give your MMA Motor Breakdown adviser the following:
• Policy Number, your name
• Registration number, vehicle make/model/colour
• Service level code (from your policy schedule
  document)
• Precise details of your location
                        Motor Breakdown
                        0800 068 3489
Introduction

Thank You for choosing MMA Insurance.

This is Your Motor Breakdown Policy. It sets out the details of Your insurance contract
with MMA Insurance plc.

In return for You having agreed to pay Your premium including any tax applicable and
subject to the policy terms and conditions, We will provide the insurance described in
this contract during the Period Of Insurance.

Please read this Policy and its schedule to ensure that they are in accordance with Your
requirements. Any query should be immediately referred to Your insurance broker or
intermediary.

Disability Discrimination
If You have any problem reading this booklet, You can always call 0844 902 1000 for a
large font or Braille version.
Contents


                                                      Page

Definitions                                              2

Roadside                                                4

Recovery                                                6

At Home                                                  7

MMA European Motor Breakdown                            8

Requirements and Limitations                            21

Customer Information

    • Cancellation                                     30

    • Caring For Our Customers                         30

    • European Related Complaints                      30

    • UK Related Complaints                             31

    • Financial Services Compensation Scheme (FSCS)     32

    • Data Protection Act                               32




                                                         1
Definitions


Below are certain words that have a          “Fulfillment Material”
specific meaning in these terms and          means the confirmation of Policy
conditions and wherever these words          coverage provided to You by Us or on
appear they have the following meaning:      Our behalf.

“Breakdown”                                  "Home"
means unforeseen mechanical or               means the address where You live in
electrical failure during the duration of    the United Kingdom.
cover in the UK or in the Territory
which has either immobilised Your            “RAC”
Vehicle or made it unsafe to drive.
                                             means RAC Motoring Services and/or
                                             RAC Insurance Limited.
“Contractor”
means any person, including RAC, who         "Resident of the United Kingdom"
We use to provide the services
                                             means a person living permanently in
described in this document.
                                             the United Kingdom or a person
                                             employed by a company having its
“Details”
                                             registered office in the United Kingdom.
means Your name and Vehicle
registration number, make and model.         “Specialist Equipment”
                                             is equipment in Our view not carried by
"Duration of Cover"
                                             RAC patrols or RAC contractors.
means the period during which the
Vehicle has breakdown cover as set out       ”Territory”
in the Fulfilment Material.
                                             Albania, Andorra, Armenia, Austria,
                                             Azerbaijan, Belarus, Belgium, Bosnia
“DVLA”
                                             Herzegovina, Bulgaria, Croatia, Cyprus
means the Driver and Vehicle Licensing       (South), Czech Republic, Denmark,
Agency Swansea SA6 7JL responsible           Estonia, Finland, France, Georgia,
for registration of vehicles in the UK and   Germany, Gibraltar, Greece, Hungary,
Driver and Vehicle Agency Coleraine          Ireland, Italy, Latvia, Liechtenstein,
BT51 3TA in Northern Ireland for             Lithuania, Luxembourg, Macedonia,
vehicles registered in Northern Ireland.     Malta, Moldova, Monaco, Netherlands,

2
Definitions
continued




Norway, Poland, Portugal, Romania,
Russia (West of the Urals), San Marino,
Serbia & Montenegro, Slovakia, Slovenia,
Spain, Sweden, Switzerland, Turkey
(West of the Bosporus), Ukraine.

"The Party/Your Party"
mean the persons including You,
travelling with You for the whole period
of the journey.

"United Kingdom/UK"
means England, Scotland, Wales,
Northern Ireland, the Channel Islands
and the Isle of Man

"Vehicle"
means the vehicle You are driving
whose Details have been provided by
Us to Our Contractor.

“We/Our’s/Us
means MMA and/or third party acting
on Our behalf.

"You/Your”
means the owner of the Vehicle and
any other person driving the Vehicle
with the owner’s consent.

This service covers Vehicles registered
with the DVLA only, and is available
throughout the Territory.


                                           3
Roadside


Cover applies to vehicles registered        If You need to leave Your Vehicle at
with the DVLA in Swansea and                the garage We will reimburse You for
Northern Ireland only.                      taxi fares up to 20 miles (a receipt
                                            must be obtained).
Roadside operates in the UK.
                                            Roadside does not cover:
If You are stranded on a public highway
(or other road or area to which the         • Breakdowns which would be
public has the right of access) because       prevented by routine servicing of
Your vehicle has had a Breakdown, We          Your Vehicle.
will send an RAC patrol or contractor to    • Replacing tyres or windows.
help You.
                                            • Missing or broken keys. We will try to
We will try to repair Your Vehicle at the     arrange the services of a locksmith
roadside. Roadside includes labour at         but You will have to pay for them.
the scene of the Breakdown (but not         • The cost of ferry crossings and road
labour at any garage to which the             toll charges.
Vehicle is taken).
                                            • Vehicles being demonstrated or
If We cannot repair the Vehicle at the        delivered by motor traders, or used
roadside, or if repairs are unwise or         under trade plates.
cannot be completed within a                • Vehicles, which, according to our
reasonable time, We will take the             patrol or contractor, had broken
Vehicle and up to 8 people to a               down or were unroadworthy before
destination of Your choice within ten         You took out Your Policy.
miles from the scene of the incident. If
                                            • Vehicles, which break down within
You have no preferred destination, We
                                              1/4 mile of Your Home address or
will take the Vehicle to a nearby garage.
                                              where You normally keep the
If You wish the Vehicle to be taken to
                                              Vehicle.
any other destination, You will have to
pay for the towage costs for the whole      • Contaminated fuel problems. We will
distance.                                     arrange for You to be taken to a
                                              local garage for assistance, but You
                                              will have to pay for the work carried
                                              out.


4
Roadside
continued




• The cost of parts, fuel or other
  supplies.
• Any vehicle storage charges incurred
  when You are using Our services.
• Labour at any garage to which the
  vehicle is taken.
• Towing provided following an
  accident, fire, theft or act of
  vandalism.
• The tow or transport of any Vehicle,
  which, in Our reasonable opinion, is
  loaded beyond its legal limit.
• 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.
• 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.




                                           5
Recovery


Recovery operates only in the UK.          Recovery does not cover:
                                           • Any Vehicle which in Our reasonable
Recovery has the same terms and
                                             opinion was broken down or
conditions as Roadside but with the
                                             unroadworthy at the time You took
following variations:
                                             out Your Policy.
If We cannot get Your Vehicle repaired     • The use of Recovery as a way to
locally within what We deem a                avoid paying repair costs.
reasonable time, We will take the
                                           • A second Recovery if We consider
Vehicle and up to 8 people to Your
                                             that the original fault of a first
Home or a single address anywhere
                                             Recovery has not been properly
else. If there are more than 5 people
                                             repaired.
this may require two separate Vehicles.
An adult must accompany any persons        • Service within 24 hours of
under the age of 16.                         commencement of this Policy.
                                           • Caravans, trailers or other objects
You can use Recovery if You are ill, and
                                             being towed.
there are no passengers who can drive
the Vehicle, so that You cannot
continue Your trip. You must show Us
some form of medical certification for
this (in these cases, We will provide
this service as We see fit).




6
At Home


At Home is only available in the UK.

At Home has the same terms and
conditions as Roadside but with the
following variations:

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
• The rectifying of failed or attempted
  repairs
• The reimbursement of taxi fares
• Service within 24 hours of
  commencement this Policy.
• Caravans, trailers or other objects
  being towed.




                                          7
MMA European Motor
Breakdown

The service covers UK registered           Please do not go ahead and make Your
Vehicles and is available throughout the   own arrangements, as We cannot
Territory.                                 arrange reimbursement of costs
                                           incurred without prior authorisation.
How to obtain assistance                   To obtain help in the event of
Services in the UK                         Breakdown, accident, fire or theft, or if
If the Vehicle has a Breakdown in the      the only qualified driver is medically
United Kingdom, please follow these        unfit to drive, please call the
simple steps:                              appropriate RAC Control Centre listed
                                           under 2 below.
1.   Telephone Us on the following
     number – 0800 068 3489

2. Advise the operator that You have
   Commercial Customer cover
   scheme code;
     •   B115 – Roadside & Recovery
     •   B116 – Roadside, Recovery and
         Home
     •   B117 – Roadside, Recovery,
         Home and European

3. Provide Your Details to the
   operator.

4. Advise the operator of the location
   of the Vehicle, the nature of any
   fault, and provide any other
   information requested by the
   operator.




8
MMA European Motor
Breakdown
continued


Services whilst Abroad                     Rest of Europe 00 33 472 43 52 55
                                           (pay call)
1. How to obtain assistance in Europe
To obtain help in the event of a           The ‘Rest of Europe’ number applies
Breakdown, fire or theft, or if the only   from most countries, but some
qualified driver is medically unfit to     countries require 00 at the beginning of
drive, please call the RAC control         the number to be replaced as follows:
centre listed under 2 below and please
                                           99 in Serbia and Montenegro
state that You have MMA European
Motor Breakdown and be ready to give       810 in Azerbaijan, Belarus, Georgia,
the following information:                 Russia, Ukraine
•   Your name                              The dialling codes included in these
                                           telephone numbers are correct at the
•   Your Policy number
                                           time of printing May 2009.
•   Your location and telephone
    number – if you are on a               3. Breakdowns on motorways
    MOTORWAY see also note 3 below         On continental motorways (including
                                           service areas) You MUST use the
•   The make and registration number       roadside emergency telephones. You
    of Your Vehicle.                       cannot call RAC control centres from
                                           these. You will be connected to the
2. Please call:                            police or authorised motorway service,
When travelling in the UK to and from a    who will send a breakdown recovery
port, 0800 068 3489 (freephone)            vehicle. However this will only be to the
                                           recovery company’s own depot, if they
Republic of Ireland 1 800 535 005
                                           cannot fix Your Vehicle – contact RAC
(freephone)
                                           using the numbers in 2 above as soon
France & Monaco 0800 290 112               as You can, if possible from the
(freephone within France and Monaco        recovery company’s depot.
only)
                                           You may have to pay labour and towing
0472 43 52 55 (pay call)                   charges on the spot – an authorised
                                           tariff is normally applicable. These


                                                                                  9
MMA European Motor
Breakdown
continued


items are covered and You should          Territory. Please note that You are liable
obtain a receipt to claim a refund on     for any costs above this £2500 limit.
Your return Home.                         You are covered for any number of
                                          trips, each up to 90 days in duration
Mobile and car phones                     but not for longer stays and provided
RAC will not reimburse the cost of any    the outward and return journeys are
telephone calls You make in connection    completed in the Period of Cover.
with any Breakdown under this Policy
                                          In the event of a Breakdown We will
(including mobile phone calls).
                                          pay for the following subject to the
It may not be possible for an RAC         limitations described in each section:
control centre to call a mobile or car
phone but when it is, You may still       Service in UK
have to pay the cost of any               Roadside
international call. Some service
                                          If You are stranded on a public highway
providers charge for calls to freephone
                                          (or other accessible road or area to
numbers. The regulations on the use of
                                          which the public has the right of
mobile and car phones vary from
                                          access) as a result of a Breakdown to
country to country. Please check with
                                          Your Vehicle, We will arrange for a
Your service provider that Your phone
                                          Contractor to assist You who will try to
meets the requirements and standards
                                          repair the Vehicle at the roadside.
for the countries in which You are
travelling.                               Roadside includes labour at the scene
                                          of the Breakdown but not labour at any
The Services                              garage to which the Vehicle is taken.
For some or all of the following
services, MMA has purchased an            If the Vehicle cannot be repaired at the
insurance policy from RAC to cover        roadside, or if repairs are unwise, We
such services. Please note that You do    will arrange for the Vehicle and up to 8
not have any rights under the policy      people to be taken to a destination of
between MMA and RAC.                      Your choice within 10 miles from the
                                          scene of the Breakdown. If You have
There is an overall limit of £2500 per    no preferred destination, We will
claim in relation to Breakdowns in the    arrange for the Vehicle to be taken to a

10
MMA European Motor
Breakdown
continued


nearby garage. If You wish the Vehicle       •   Vehicles being demonstrated or
to be taken to any other destination             delivered by motor traders, or used
We will use reasonable endeavours to             under trade plates
assist if You pay for the towage costs       •   Vehicles within 1/4 mile of Your
for the whole distance.                          Home or where You normally keep
If You cannot readily get to the Vehicle,        the Vehicle.
We will arrange, if practical, to have it    •   Contaminated fuel. However, We
towed to a place of safety and stored            will arrange for the Vehicle to be
until You can collect it.                        taken to a local garage for You to
                                                 arrange and pay for any work
Please note:                                     carried out.
We will not arrange to tow or transport      •   Any Vehicle storage charges before,
any Vehicle, which, in Our reasonable            during or after any assistance
opinion, is loaded beyond its legal limit.       provided by Us.
                                             •   Assistance following an accident,
If the Vehicle is in a position where We
                                                 fire, theft or vandalism or other
cannot arrange for work to be
                                                 incident normally covered by a
undertaken on it or tow it, or wheels
                                                 motor insurance policy. We can
have been removed, We can arrange to
                                                 arrange assistance if You pay for
rectify this but You will have to pay the
                                                 the cost of assistance. (You may
costs involved
                                                 be able to recover these costs
Roadside does not cover:                         under the terms of Your motor
                                                 insurance policy).
•   Routine servicing of the Vehicle
                                             •   If there are animals in the Vehicle,
•   The cost of parts, fuel or other             their onward transportation is at
    supplies                                     Our sole discretion and is carried
•   Replacing tyres or windows                   out solely at Your risk. We will not
                                                 insure any animal or livestock in
•   Missing or broken keys. We will try
                                                 transit, during any onward
    to arrange the services of a
                                                 transportation.
    locksmith if You pay them direct.
•   The cost of ferry crossings, road
    toll and congestion charges
                                                                                      11
MMA European Motor
Breakdown
continued


Recovery                                    At Home
Recovery has the same features and          At Home has the same features and
limitations as Roadside but with the        limitations as Roadside but with the
following variations:                       following variations:

Recovery operates only in the United        At Home is only available in the United
Kingdom.                                    Kingdom.

If We cannot arrange for the Vehicle to     At Home allows You to use Roadside
be repaired locally within a reasonable     services within 1/4 mile of Home or the
time, We will arrange for the Vehicle       place where You normally keep the
and up to 8 people to be taken Home         Vehicle.
or to any other single address. If there
are more than 5 people this may             At Home does not cover:
require two separate Vehicles. An adult
                                            • Rectifying failed repairs attempted
must accompany any persons under
                                              by You or someone on Your behalf;
the age of 16.
                                            • Service within 24 hours of
Recovery does not cover:                      commencement of this Policy.
• Use of the services having the object     • Caravans, trailers or other objects
  or effect of avoiding repair costs. For     being towed.
  example if a Vehicle can be repaired
  in a reasonable time we may not           Service whilst abroad
  arrange recovery but arrange for
                                            Cover is available for:
  repair instead.
                                            1. Attendance of local breakdown or
• Recovery which is required because
                                                garage services to repair the
  We have previously arranged a
                                                Vehicle at the roadside if possible;
  temporary repair which has not
                                                or
  subsequently been properly repaired
  by You.                                   2. Tow of the Vehicle from the place of
• Service within 24 hours of                    Breakdown or accident to the
  commencement of this Policy.                  nearest local repairer where You
                                                may arrange repairs; and
• Caravans, trailers or other objects
  being towed.

12
MMA European Motor
Breakdown
continued


3. Either:                                  3. The cost of parts used for roadside
     (a) a contribution towards labour         or garage repairs; or
         charges at a garage if it is       4. The cost of any repairs not directly
         possible to effect the repairs        necessary to enable the Vehicle to
         necessary to enable the               continue the journey on the date of
         Vehicle to continue the journey       the Breakdown; or
         on the date of Breakdown; or
     (b) Inspection fees, in the event of   5. The cost of any other supplies,
         a Breakdown, to confirm that          including but not limited to
         the Vehicle cannot be repaired        Specialist Equipment.
         by Your return travel date and
                                            If We cannot arrange the repair of the
         Your request for assistance will
                                            Vehicle within 12 hours of being notified
         include authorisation for Us to
                                            of a Breakdown, cover is available for
         arrange this; and
                                            either:
4. Storage charges for the Vehicle
   while awaiting repair or repatriation;   (a) Additional accommodation
   and                                      expenses
                                            A contribution of up to £30 per person
5. The cost of wheel changes but not        per day towards necessary additional
   for replacement tyres.                   (not alternative) accommodation
                                            expenses (room only) while You wait
Cover is not available for:
                                            for the Vehicle to be repaired, providing
1.   Any labour costs other than those      the appropriate RAC control centre can
     incurred at the roadside. We will      confirm repairs will take more than 12
     not pay labour costs at any garage     hours, or if it is to be repatriated to the
     to which the Vehicle is taken other    United Kingdom.
     than under paragraph 3 above; or
                                            Cover is not available for:
2. Repair costs, including labour, if the
                                            1. The costs of meals or any other
   Vehicle was in a road traffic
                                            costs.
   accident, damaged by fire or stolen
   or is uneconomical; or                   or


                                                                                    13
MMA European Motor
Breakdown
continued


(b) Journey continuation or return         This benefit is also available if the
home                                       Vehicle is stolen and not recovered
If the appropriate RAC control centre      within 24 hours of reporting the matter
can confirm repairs to the Vehicle will    to the police. A police report must be
take more than 12 hours, or if the         obtained. However, this benefit will
Vehicle is to be repatriated to the        cease if and when the Vehicle is
United Kingdom, a contribution to travel   recovered in a roadworthy condition.
expenses to allow You to either:
                                           Cover is not available for:
(i) continue the planned journey
    during the period the Vehicle is not   1.   Fuel, oil, personal insurance, any
    roadworthy; or                              collection charge if a hire car is left
                                                at a different location to that
(ii) return Home by direct route.
                                                arranged or any other costs in
Expenses can comprise self-drive car            connection with self-drive hire car.
hire up to a maximum of 14 days
                                           2. The cost of any car hire beyond
including collision damage waiver (see
                                              the period agreed with the
"Important self-drive hire car
                                              appropriate RAC control centre.
information") and replacement Green
Card as necessary, or second/standard      3. Any car hire expenses after the
class rail, or a combination of both.         Vehicle is repaired except for the
                                              direct journey to return and collect
RAC will in its sole discretion decide
                                              it.
which course of action to adopt, but
RAC will take into consideration Your      4. First class rail fares.
preference.
                                           5. Any costs under this benefit if they
You must collect the Vehicle when             are for a service You used at the
repaired as once the Vehicle is repaired      same time as the above section
and You have been notified, RAC will          "Additional accommodation
not pay any further expenses other            expenses".
than the costs of collection.
                                           6. International drop charges where a
                                              vehicle hired from abroad is
                                              dropped within the UK.

14
MMA European Motor
Breakdown
continued


7.   The costs of hiring a motorcycle.      2. Repatriation if this is uneconomical.
                                               Repatriation will be uneconomical if
8. Any hire costs not arranged through         it will cost more than the UK
   RAC or agreed by RAC.                       market value of the Vehicle
                                               according to Glass’s guide.
If RAC can confirm that repairs cannot
be completed by Your planned return         3. Repatriation if the Vehicle is
date to the United Kingdom and                 roadworthy.
providing the cost of repatriation is not   4. Any claim if the Vehicle is being
uneconomical, cover is available for           repatriated and Customs in any
either:                                        country find its contents are
                                               breaking the law.
(a) Vehicle repatriation to the United
Kingdom                                     5. Any further costs in connection
                                               with the Vehicle once declared a
The cost of taking the Vehicle by road
                                               write-off by Us.
transporter from abroad to Your Home
or chosen UK repairer for repair in the     or
UK.
                                            (b) Collection of vehicle left abroad
When repatriation is authorised it          for repair
normally takes 10-14 working days for       Cover is available for the following costs
delivery to a UK address from most          for one person to collect the Vehicle,
west European countries. At busy times      repaired abroad after Breakdown
and from east European countries it         subject to an overall limit of £600:
may take longer.                            1.   Standard/second class rail fare plus
                                                 other public transport fares which
If the Vehicle has been fitted with a
                                                 are necessary to reach the place of
roof box or bicycle rack, You must
                                                 collection.
remove and place it inside the Vehicle.
The roof box keys need to be left with      2. Additional homeward cross channel
the Vehicle keys.                              ferry or rail fare for the repaired
                                               Vehicle (calculated by taking the
Cover is not available for:                    actual fare less the value of any
1.   Any repatriation not authorised by        unused homeward portion of Your
     the appropriate RAC control centre.       original cross channel ticket).

                                                                                   15
MMA European Motor
Breakdown
continued


3. Up to £30 per night for single room     abroad or have the Vehicle repatriated.
   hotel accommodation necessary to        We cannot repatriate the vehicle unless
   complete the round trip – limited       Your insurers first give their permission.
   to room only.
                                           RAC also reserve the right to negotiate
Cover is not available for:                with them to reclaim costs incurred. If
                                           Your insurers cannot or do not give
1.   First class rail fares.               permission to repatriate then it is RAC’s
                                           decision alone whether to declare the
2. The cost of any meals.
                                           Vehicle as a write-off, or repatriate or
3. The costs of more than one              repair locally a Vehicle which cannot be
   person.                                 driven as a result of a Breakdown, or as
                                           a result of a road traffic accident, fire
Note: The appropriate RAC control          or theft, for which You do not have
centre will make the sole decision         fully comprehensive cover.
whether Your Vehicle should be
repaired abroad for You (or someone        We will pay for:
nominated by You) to return and            1.   Attendance of local breakdown or
collect. When You are advised the               garage services to repair the
Vehicle is repaired and ready for               Vehicle at the roadside if possible,
collection You must immediately notify          or
RAC European Support by telephoning
0870 5 49 33 20, Monday-Friday             2. to tow it from the place of
9am-5pm.                                      breakdown or accident to the
                                              nearest local repairer where You
Authority for repatriation or repair          may arrange repairs; and
If the Vehicle is not able to be driven    3. Either:
due to a road traffic accident, fire,
break-in or theft, any damage which             (a) a contribution towards labour
You are entitled to have repaired by                charges at a garage if it is
Your motor insurers must be reported                possible to effect the repairs
to them immediately. Your insurers                  necessary to enable the
must decide whether to declare the                  Vehicle to continue the journey
Vehicle as a write-off, authorise repair            on the date of Breakdown; or


16
MMA European Motor
Breakdown
continued


    (b) Inspection fees, in the event of          5.   The cost any other supplies,
        a Breakdown, to confirm that                   including but not limited to
        the Vehicle cannot be repaired                 specialist equipment.
        by Your return travel date and
        Your request for assistance will      If We cannot repair the vehicle within
        include authorisation for Us to       12 hours of being notified of a
        arrange this; and                     Breakdown, then We will pay for either:

4. Storage charges for the Vehicle            (a) Additional accommodation
   while awaiting repair or repatriation          expenses. A contribution of up to
   and                                            £30 per person per day towards
                                                  necessary additional (not
5. The cost of wheel changes but not              alternative) accommodation
   for replacement tyres. We will not             expenses (room only) while You
   pay for:                                       wait for Your Vehicle to be
                                                  repaired, providing the appropriate
    1.   Any labour costs other than              RAC control centre can confirm
         those incurred at the roadside.          repairs will take more than 12 hours,
         We will not pay labour costs at          or if it is to be repatriated to the
         any garage to which the Vehicle          United Kingdom.
         is taken other than under
         paragraph 3 above; or                We will not pay for:
                                              The costs of meals or any other costs
    2.   Repair costs, including labour, if
                                              Or
         the Vehicle was in a road traffic
         accident, damaged by fire or         (b) Journey continuation or return
         stolen or is uneconomical; or            home If the appropriate RAC
                                                  control centre can confirm repairs
    3.   The cost of parts used for
                                                  to Your Vehicle will take more than
         roadside or garage repairs; or
                                                  12 hours, or if Your Vehicle is to be
    4.   The cost of any repairs not              repatriated to the United Kingdom,
         directly necessary to enable             a contribution to travel expenses to
         the Vehicle to continue the              allow You to either:
         journey on the date of the
         Breakdown; or

                                                                                      17
MMA European Motor
Breakdown
continued


     (i) continue the planned journey          Spare parts dispatch
         during the period Your Vehicle        If as a result of a Breakdown the
         is not roadworthy; or                 Vehicle needs parts but these are
     (ii) return Home by direct route.         unavailable locally the cover is available
          Expenses can comprise                for:

         self-drive car                        1.   Freight, handling and ancillary
                                                    charges for dispatch of spare parts
     hire up to a limit of 14 days
                                                    not obtainable locally.
     including collision damage waiver
     and replacement Green Card as             2. The fare for one person to collect
     necessary, or second/standard class          parts from the appropriate railway
     rail, or a combination of both. RAC          station or airport.
     will in its sole discretion decide
     which course of action to adopt,          Cover is not available for:
     but RAC will take into consideration
     Your preference.                          1.   The cost of parts themselves,
                                                    which must be paid on receipt.
     You must collect the Vehicle when              When telephoning the RAC control
     repaired as once the Vehicle is                centre You will be asked for Your
     repaired RAC will not pay any                  credit card details. Alternatively You
     expenses other than the costs of               will be asked to pay for the part(s)
     collection.                                    direct to the repairer.
     This benefit is also available if Your
     Vehicle is stolen and not recovered       Vehicle break-in, emergency repairs
     within 24 hours of reporting the          In the event of damage to windows,
     matter to the police. A police            windscreens or locks caused solely by
     report must be obtained. However,         forcible entry, or attempted forcible
     this benefit will cease if and when       entry, You MUST report the matter to
     Your Vehicle is recovered in a            the police before contacting Us or
     roadworthy condition.                     within 24 hours of contacting Us, and
                                               MUST obtain a written report from the
     Additional services whilst abroad
                                               police.
     Cover is available for the following if
     applicable:

18
MMA European Motor
Breakdown
continued


RAC will:                                   Cover does not extend to:

1.   Treat the Vehicle as if a Breakdown    1.   The cost of meals or any other
     had occurred and You will be                costs.
     entitled to all of the services set
     out in this document except            2. Damage caused by weather
     repatriation of the Vehicle.              conditions.

Cover is not available for:                 3. The cost of a replacement tent not
                                               authorised by Us.
1.   Any costs if You do not obtain a
     police report and submit it to Us      4. Any costs if Your tent was stolen
     within 14 days of request.                and You do not report the theft to
                                               the police within 24 hours and
2. Repatriation benefits as described          obtain a written report.
   under the section entitled “Vehicle
   Repatriation to the United               Urgent message relay service
   Kingdom”.                                Cover extends to:

Accidental damage to or loss of tent        The cost of relaying urgent messages
                                            from the appropriate RAC control
Cover extends to:
                                            centre to Your immediate relatives or
A contribution to accommodation             close business associates if the Vehicle
expenses if during the Duration of          cannot be driven because of
Cover You are camping and Your tent         Breakdown, accident or fire or it is
is damaged accidentally making it           stolen.
unusable, or it is stolen. Alternatively,   Cover does not extend to:
We may at Our option authorise the
cost of a replacement tent. If Your tent    1.   The cost of non urgent messages
is stolen You must report the theft to           or messages to persons not
the police within 24 hours and obtain a          described in the previous
written report.                                  paragraph.

                                            2. The cost of relaying any urgent
                                               message not arranged through the
                                               appropriate RAC control centre.

                                                                                  19
MMA European Motor
Breakdown
continued


Replacement driver                           To arrange, please call: RAC European
Cover extends to:                            Support, 0870 5 49 33 20
                                             Monday-Friday 9am-5pm.
1.   The cost of providing a                 (Calls may be recorded and/or
     replacement driver to drive the         monitored).
     Vehicle and Your Party to Your
     destination or Home, if a registered    Cover does not extend to:
     doctor declares You medically unfit
                                             Any import duties not relating to the
     to drive and You are the only
                                             Vehicle.
     qualified driver.

Cover does not extend to:

1.   Replacement driver cost if there is
     another qualified driver in The Party
     who is fit to drive.

2. For any costs associated with more
   than one claim per journey abroad

Customs claims indemnity
Cover extends to:

1.   Continental or Irish Customs claims
     for duty if:

(a) 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

(b) it is stolen abroad during the
    journey and not recovered. RAC will
    deal with necessary Customs
    formalities.

20
Requirements and Limitations


A. Service in the UK and                    and We provide recovery, the caravan
Abroad                                      or trailer will be recovered together with
                                            the Vehicle to a single destination.
Credit card details                         Other than as set out in this paragraph
RAC will require Your credit card details   caravans and trailers are not covered.
if RAC agree to arrange a service for
You which is not covered by Our             We do our best to find solutions to
agreement with RAC or if it exceeds the     motoring problems, but We regret We
limits set out in this document. If You     cannot arrange a replacement caravan
do not provide RAC with Your credit         or trailer in the event of Breakdown or
card details RAC will not be able to        accident damage which cannot be
provide certain services which will be      repaired. It is also virtually impossible
notified to You when credit card details    to hire vehicles with tow bars and it
are requested.                              may become necessary to repatriate a
                                            caravan or trailer together with a towing
Motorcycles                                 vehicle which cannot be repaired
                                            abroad by the return date.
Motorcycles are covered on the same
basis as other vehicles. However, it is
                                            Unforeseeable losses or events
not possible for RAC to hire a
motorcycle if a replacement vehicle is      Except in relation to any claim You may
required. A hire car or alternative         have for death or personal injury, if We
transport will be arranged, whichever is    are in breach of the arrangements
most suitable. We are also unable to        under this contact, We will not be liable
arrange hire of a trailer for You to        for any losses or damages which are
transport Your motorcycle.                  not a reasonably foreseeable result of
                                            any such breach, for example, loss of
Caravans and trailers                       profit, loss of revenue or anticipated
                                            savings, loss of contacts, or for any
The Vehicle restrictions apply equally to
                                            business losses.
caravans and trailers except that the
maximum length of trailers and/or           We do not guarantee the provision of
caravans must not exceed 7 m. If the        any of the benefits under this
Vehicle which has suffered a                document, if there is anything beyond
Breakdown is towing a caravan or trailer    Our reasonable control or the


                                                                                   21
Requirements and Limitations
continued




reasonable control of any service           B. Service Abroad only
provider which prevents Us or a service
provider from providing that benefit.       Motor insurance
Benefits may be refused if You or any       We strongly recommend You tell Your
of Your Party behaves in a threatening      motor insurers before taking the Vehicle
or abusive way to any persons               abroad. If You do not, Your insurance
providing service.                          policy will only cover You for damage
                                            You might cause to other people or
Taxi Bookings                               their property (third party cover). This
In some circumstances it can be             means that You will not be covered for
quicker and easier for You to arrange a     any loss or damage to the Vehicle.
taxi. We may ask You to make Your           Your insurers will also need to know if
own arrangements for taxi service. If so    You are towing a caravan or trailer.
please send Your receipts to Us and
We will reimburse You.                      Availability of service in eastern
                                            Europe
Service providers                           Every effort is made by RAC to make
The garages, breakdown/recovery             sure that a good quality service is
companies, repairers, car hire              provided in eastern European countries
companies and other third party             but this may not necessarily be to the
service providers whose services are        same standards as in western Europe.
arranged by RAC on Your behalf and/or       The situation varies from country to
paid for under this document by RAC         country but time delays may occur,
on Your behalf are not approved by          telephones are sometimes not
RAC. They are not agents of RAC and         available, garage facilities may be
RAC cannot be held liable for acts or       inadequate, spare parts are often not
omissions of such garages or other          available, etc. You should also be aware
third parties. You are responsible for      that unleaded fuel may not be widely
authorising repairs and making sure any     available.
repairs to the Vehicle are carried out to
Your satisfaction.




22
Requirements and Limitations
continued




Service in certain countries may             Your credit card details will also be
become disrupted or unavailable due to       required as security for the hire and to
prevailing conditions, for which RAC         cover extras such as top up of the fuel
cannot accept responsibility.                tank when returning the vehicle. Car
Information can be obtained from the         hire companies insist on having credit
Foreign & Commonwealth Office –              card details at the time of booking and
www.fco.gov.uk; or by telephoning The        the card must be produced at the time
FCO Travel Advice Unit on: 0870 606          of hiring the car. The name on the
0290.                                        credit card and the name of the driver
                                             of the hire vehicle must be the same.
Important self-drive hire car                Switch cards and debit cards are not
information                                  acceptable. If You leave a hire car at a
RAC will normally try to arrange a hire      different location to the one arranged
car similar in seating capacity and          by the RAC control centre You must
volume to, but not necessarily the           pay any collection charge which may be
same as, the Vehicle, if there is one        made.
available. If You were travelling in an
                                             Please note that many car hire
MPV or similar vehicle RAC may arrange
                                             companies across Europe charge a
two hire cars. RAC will only arrange this
                                             damage excess which is not covered by
if there are two qualified drivers in Your
                                             the collision damage waiver (CDW).
Party. Otherwise, RAC will arrange
                                             This means that if the car is damaged
alternative means of transport.
                                             during the hire period You could be
Self-drive car hire arranged will be         liable for the equivalent of the first
subject to the normal conditions of the      £150 – £550 (approximately) and have
hiring company. These will include           Your credit card charged. In some
limitations on driver age, driving           cases the amount could be higher and
convictions and other licence                varies according to hire company,
endorsements etc. The driver must also       category of hire car and location. The
have held a full UK driving licence or       CDW covers the amount above the
equivalent for a minimum of one year         excess.
(2 years for France).




                                                                                  23
Requirements and Limitations
continued




In some parts of Europe hire cars are      difficult. When one is available the
not allowed to cross national borders.     following regulations apply:
In Greece and eastern Europe
international drop-offs are not            Drivers must be at least 21 years old
permitted. It may be necessary             and have a full year’s car driving
therefore to arrange two hires or          experience. Special documents and
alternative transport to complete Your     tachographs are mandatory throughout
journey. A car hired abroad must not       the EU. For more information contact
be brought into the United Kingdom. A      your local Department of Transport
second car hire will be arranged for the   Area Office for details.
United Kingdom part of Your journey.
                                           Repayment of credit
It cannot be guaranteed that a hire car    You must pay back to Us on demand:
will be available.
                                           (a) any costs We have paid for which
RAC cannot arrange the hire of                 are not covered as described in
motorised caravans, motorcycles,               this document;
convertibles or vehicles with tow bar,
roof rack, roof boxes, automatic           (b) the cost of any spare parts
gearbox, sports cars, 4x4 or luxury            supplied.
class vehicles and cannot guarantee
the hire of minibuses or vans.             Spares dispatch
                                           After You have asked the appropriate
RAC will not be responsible for any        RAC control centre to dispatch parts
delays in obtaining a hired vehicle and    You are responsible for paying for them
cannot guarantee to provide it in time     in full, even if You later obtain them
to connect with Your pre-booked ferry,     locally.
etc. You may have to collect a hired
vehicle from the nearest available place   We will arrange the dispatch of parts as
of supply.                                 quickly as possible but delays will occur
                                           at weekends and bank holidays. We will
Special requirements for vehicles          not be responsible for manufacturers’
with over 9 seats                          or suppliers’ errors, loss or damage of
The supply of minibuses as a               parts in transit or any delay in delivery.
replacement vehicle can often prove

24
Requirements and Limitations
continued




Exclusions (Service in the                 5. Any incident affecting a vehicle
UK and Abroad)                                hired by You even if arranged for
                                              You by Us.
In addition to any limits and exclusions
noted elsewhere Vehicles are not           6. Routine servicing of the Vehicle,
covered for;                                  replacing tyres, missing or broken
1.   Costs for anything which was not         keys*, or replacing windows. We
     caused by the Breakdown.                 may be able to arrange for the
                                              provision of these Services but You
2. Vehicles which have broken down            must pay any costs incurred.
   as a result of taking part in any
   motor sport event or off road                * Keys which are locked inside a
   activity (including, without                   Vehicle are covered and We can
   limitations rallies or stock car               arrange for a contractor to attend.
   racing) which takes place off the              However, any damage which may
   road and / or is not subject to the            occur in trying to retrieve the keys
   normal rules of the road. However,             will be at Your risk.
   vehicles participating in any event
   (such as a treasure hunt, touring       7.   Any claim caused directly or
   assembly or navigational road rally),        indirectly by:
   which takes place on, and comply             (a) Your property being held,
   with the normal rules of the road                taken, returned, destroyed or
   will be covered.                                 damaged under the order of
3. The cost of all parts, garage, labour            any Government or other
   or other costs in excess of the                  Authority;
   limits set out in this document.             (b) war, invasion, civil unrest,
   Please note these costs are likely to            revolution, terrorism or any
   be higher in Europe than in the UK.              similar event.
4. Loss caused by any delay, whether       8. Any claim caused directly or
   the benefit or service is being            indirectly by the overloading of the
   provided by RAC or someone else            Vehicle and/or any caravan or
   (for example a garage, hotel, car          trailer.
   hire company, carrier, etc).


                                                                                   25
Requirements and Limitations
continued




9. Any claim as a result of Vehicle        14. Any period outside Your Duration
   Breakdown due to:                           of Cover.
     (a) running out of oil or water;      15. Any vehicle other than a car,
     (b) frost damage;                         motorcycle 121cc or over, motor
     (c) rust or corrosion;                    caravan, minibus fitted with not
                                               more than 17 seats including driver,
     (d) tyres which are not roadworthy.       light van, estate car, MPV or 4 x 4
     (e) using the incorrect fuel.             sport utility vehicle and provided
                                               the vehicle conforms to the
10. Any claim caused directly or               following specification:
    indirectly by the effect of
                                               –   maximum legal laden weight of
    intoxicating liquors or drugs.
                                                   3,500kg (3.5 tonnes). This
11. Any claim where the Vehicle is                 weight is called the Gross
    being driven by persons who do not             Vehicle Mass (GVM);
    hold a full United Kingdom or other        –   maximum overall dimensions
    recognised and accepted driving                of: length 5.5 m; height 3m;
    licence.                                       width 2.25m (all including any
                                                   load carried).
12. Any claim which You have made
    under any other policy of insurance        The Vehicle restrictions apply
    held by You. If the value of Your          equally to caravans and trailers
    claim is more than the amount You          except that the maximum length of
    can get from Your other insurance          trailers and/or caravans must not
    We may pay the difference subject          exceed 7m. If the Vehicle which has
    to limits and exclusions.                  suffered a Breakdown is towing a
                                               caravan or trailer and We procure
13. The cost of any transportation,
                                               recovery, the caravan or trailer will
    accommodation or care of any
                                               be recovered together with the
    animal. Any onward transportation
                                               Vehicle to a single destination.
    is at RAC’s discretion and solely at
                                               Other than as set out above
    Your risk. RAC will not insure any
                                               caravans and trailers are not
    animal during any onward
                                               covered.
    transportation.


26
Requirements and Limitations
continued




    In the Territory if the Vehicle         20. Any personal effects, valuables or
    requires repatriation We will arrange       luggage left in the Vehicle or in any
    for repatriation of the caravan or          trailer, boat or caravan or any other
    trailer as well                             item being towed by or used in
                                                conjunction with the Vehicle.
16. Any claim by You unless You are a           These are Your responsibility.
    Resident of the United Kingdom
    and the Vehicle is registered with      21. Specialist Equipment costs. We will
    the DVLA in Swansea or Northern             however arrange for the specialist
    Ireland                                     services if needed, but you will
                                                have to pay for any additional costs
17. Any Vehicle which is not                    direct to the contractor.
    roadworthy and in good mechanical
    condition at least 7 days before any    22. Any costs which are not directly
    booked journey within Your                  covered by the terms and
    Duration of Cover. You must also            conditions of this cover.
    make sure it is serviced as the
    manufacturer recommends.                Assistance Procedure and
18. Any Vehicle carrying more persons
                                            Conditions
    than recommended by the                 When providing assistance We make
    manufacturer, up to 8 persons           every effort to arrange on Your behalf
    maximum (including the driver). For     all costs within the limits set out in this
    minibuses the maximum is                document. However, in some instances
    increased to 17 persons (including      You may be asked to pay locally and
    the driver). Each person must           reclaim costs on Your return to the
    occupy a separate fixed seat fitted     United Kingdom. There may also be
    during vehicle construction and to      occasions when You arrange and pay
    the manufacturer’s specification.       for assistance direct and wish to
                                            reclaim the cost.
19. The Vehicle if it is unattended.




                                                                                    27
Requirements and Limitations
continued




RAC European Motoring Assistance            Payment of claims depends on You
claims are handled by                       complying with the following conditions.
RAC Customer Care
                                            1.   You must make any claim on an
RAC Motoring Services,
                                                 RAC claim form, please bring Your
RAC House,
                                                 claim to RAC’s attention as soon as
PO Box 200
                                                 You can (if possible within 28 days)
Walsall, WS5 4QZ
                                                 after You return to the United
Telephone from the UK on                         Kingdom. Claims which are not on
0800 1075861 or from Europe on                   an RAC claim form will not be
00 44 (0)161 332 1040                            accepted. This does not affect
Fax: 01922 746528                                Your statutory rights to take legal
email: customercareoperations@rac.co.uk          action or exercise any other legal
If You have paid any cost which You              remedy.
believe is covered, please telephone
                                            2. If RAC pay out money for You RAC
RAC for a claim form immediately on
                                               can take over Your right to get that
Your return Home, quoting Your
                                               money back. You must cooperate
reference and Vehicle registration
                                               with RAC as much as possible if
number. When returning Your
                                               requested by Us.
completed claim form You should
enclose relevant original receipts (not     3. You must do all You can to prevent
photocopies).                                  accident, injury, loss or damage, as
                                               if You were not covered.
Receipts
You must keep all relevant original         4. You must forward to RAC any writ,
receipts (not photocopies) as they will        summons, legal document or other
be needed for any claim. We may                communication about the claim as
refuse to arrange reimbursement of             soon as You receive them.
expenses You are claiming back if You
                                            5. You must obtain any original
cannot provide original receipts or bills
                                               receipts, certificates, police reports,
for the items You have paid.
                                               evidence, etc and give all the
                                               information and help We may need



28
Requirements and Limitations
continued




     at Your expense. This includes        during the Period of Cover and for
     medical certificates and details of   which payment of the appropriate
     Your household insurance if           premium has been made and subject
     necessary.                            to the applicable Policy terms and
                                           conditions.
6. You must not admit liability or offer
   or promise payment without RAC’s        Your telephone calls to and from Us
   written permission.                     may be monitored and recorded for
                                           the purposes of staff training and
7.   The Vehicle must be in roadworthy     quality assessment. This complies with
     and in good mechanical condition      Oftel regulations.
     when You commence Your journey.
                                           If the service You require is not
8. If any claim is found to be             provided for under these Terms and
   fraudulent in any way Your claim        Conditions, We will try, if You wish, to
   will be forfeited.                      arrange it at Your expense. The terms
                                           of, and any payment for, any such
9. You must, within 7 days of any
                                           service are a matter for You and the
   request from RAC, send to RAC
                                           supplier and We will not act as an
   copies of any European accident
                                           agent. You cannot upgrade or
   statements (called a “Constat
                                           downgrade Your Policy.
   d’amiable” in France) and/or any
   police reports should You make a
                                           Use of language
   claim following a road traffic
   incident.                               Unless otherwise agreed the
                                           contractual terms and conditions and
General Policy Terms                       other information relating to this
                                           contract will be in English.
This Policy is governed exclusively by
English Law and any legal disputes in
connection with this Policy will be
heard in an English Court only. This
Policy is a contract between Us and
You. We agree to pay for those costs
set out in this Policy, which occur



                                                                                 29
Customer Information


Cancellation                              MMA Motor Breakdown Cancellations,
                                          MMA insurance
1.   You are entitled to cancel Your
                                          Norman Place
     Policy up to 14 days following the
                                          Reading
     commencement (or renewal) date
                                          RG1 8DA
     of Your Policy or the date You
     receive Your Policy documents,
                                          Caring For Our Customers
     whichever happens later.
                                          We and RAC are committed to
2. If You have not made a claim           providing You with the highest standard
   within the first 14 days We will       of service and customer care. We
   refund the cost of Your policy.        realise however, that there may be
                                          occasions when You feel you did not
3. If You use the service within the      receive the standard of service You
   first 14 days and decide to cancel     expect. Should You have cause for
   You will not be eligible for any       complaint about any aspect of the
   refund.                                service provided to You, please contact
                                          RAC at the relevant address indicated
4. If You cancel the Policy after 14
                                          below, where RAC will work with You to
   days no refund or credit will be
                                          resolve Your complaint.
   applied.

5. If You do not pay Your premium         European related complaints
   promptly We will cancel Your           If Your complaint relates to Services
   policy.                                provided abroad please write to:

6. Your policy will automatically         Breakdown Customer Care,
   terminate in the event that Your       RAC Motoring Services, RAC House,
   related motor insurance policy is      PO Box 200, Walsall, WS5 4QZ
   cancelled.
                                          Telephone from the UK on 0800 107
Cancellations can be made by writing      5861 or from Europe on 00 44 (0) 161
to either your broker                     332 1040 (Calls may be recorded
                                          and/or monitored). Fax: 01922 746 528
or
                                          Email: customercareoperations@rac.co.uk



30
Customer Information
continued




Please note that the above number            An acknowledgement that Your
should only be used for complaints           complaint has been received will be
about RAC’s level of service, once You       sent to You within 5 working days
have returned Home. Any general              following which Your complaint will be
enquiries relating to repatriation, claims   investigated on behalf of the Chief
or other matters associated with Our         Executive.
European Service should be directed to
RAC European Support on 0870 5 49            If You have received Our final response
33 20                                        to Your complaint or it has been eight
                                             weeks since Your complaint was made
We will deal promptly with Your query.       to Us, and You remain unhappy, You
Unless We can satisfactorily resolve         may be entitled to take Your complaint
Your complaint within 24 hours, We will      to the Financial Ombudsman Service
send You an acknowledgment within 5          (FOS). Complaints that can be taken to
working days, along with a leaflet           the FOS are complaints about RAC
outlining Our complaints procedure,
while We investigate Your complaint          Motoring Services’ insurance mediation
further.                                     activities for Roadside, Recovery and At
                                             Home products, and complaints about
UK related complaints                        underwriting and insurance mediation
                                             activities for Onward Travel and
If Your complaint relates to Services
                                             European Cover.
provided in the UK please write to:
                                             You should write to:
Breakdown Customer Care,
                                             Financial Ombudsman Service
RAC Motoring Services, RAC House,
                                             South Quay Plaza
PO Box 200, Walsall, WS5 4QZ.
                                             183 Marsh Wall
If You are dissatisfied with any other       London E14 9SR
aspect of RAC’s services, please
contact Us at the following address:

Membership Customer Care, RAC
Motoring Services, Great Park Road,
Bradley Stoke, Bristol, BS32 4ZZ



                                                                                  31
Customer Information
continued




The Financial Ombudsman Service is an      Data Protection Act
independent body that arbitrates on        The information You provide is
complaints about general insurance         collected by or on behalf of MMA
products. Referral to the Financial        Insurance and may be used by MMA, its
Ombudsman Service does not affect          employees, agents and service
Your right to take legal action against    providers acting under MMA’s
RAC Insurance Ltd. You have 6 months       instruction for the purposes of
to refer Your complaint. Referral to the   insurance administration, underwriting,
Financial Ombudsman Service does not       claims handling and to enable MMA to
affect Your right to take legal action     detect fraud or loss.
against RAC Insurance Limited or RAC
Motoring Services.                         MMA may use some of the information
                                           You provide for research, marketing or
Financial Services Compensation            statistical purposes. MMA will not use
Scheme                                     Your information or pass it on to any
                                           other person for the purposes of
We are covered by the Financial
                                           marketing further products or services
Services Compensation Scheme
                                           to You. You can ask MMA for more
(FSCS). You may be entitled to
                                           information about this. You should
compensation in the unlikely event that
                                           show this notice to anyone who has an
RAC Insurance Limited and RAC
                                           interest in property insured under the
Motoring Services (for insurance
                                           Policy.
mediational purposes only) are unable
to meet their obligations to you as a      Providing information to MMA signifies
policyholder, depending on the type of     Your consent to it being used for these
insurance and circumstances of any         purposes. You must ensure that any
claim. Insurance advising and arranging    information You supply relating to
is covered for 100% of the first £2,000    anyone else is accurate and that You
and 90% of the remainder of the claim,     have obtained their consent on MMA’s
without any upper limit. Further           behalf to the use of their data for
information about compensation             these purposes. If You have any
scheme arrangements is available from      queries about MMA’s use of Your
the FSCS or by visiting www.fscs.org.uk.   information please write to the Data
                                           Protection Officer, MMA Insurance plc
                                           Norman Place Reading RG1 8DA.

32
Customer Information
continued




If the broker or intermediary You have
used to obtain this Policy ceases to
carry on business, to otherwise trade or
be regulated by the FSA as an
insurance intermediary, MMA may
transfer Your personal data and
information to another insurance
intermediary who will continue to effect
insurance cover for You. Please let
MMA know if You do not want MMA to
share Your personal data and
information with another insurance
intermediary as described above.




                                           33
www.mma-insurance.com

MMA Insurance plc
Norman Place
Reading
RG1 8DA

Telephone: 0844 902 1000
Fax: 0118 955 2211




MMA Insurance plc
Registered in England and Wales No. 613259
Authorised and regulated by the Financial Services Authority No. 202277
Authorised and regulated by the Financial Services Authority.
This policy is underwritten by RAC Motoring Services and/or RAC Insurance Limited
Registered Office: 8 Surrey Street, Norwich, NR1 3NG
Registered No. 01424399 and 2355834
RAC Insurance and RAC Motoring Services (in respect of insurance mediation
activities only) are authorised and regulated by the Financial Services Authority
You can check our authorisation on the FSA’s Register by visiting www.fsa.gov.uk
or by contacting the FSA on 0845 606 1234                                           P118C 07/09

								
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