VIEWS: 8 PAGES: 38 POSTED ON: 2/8/2011
www.mma-insurance.com 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: email@example.com 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: firstname.lastname@example.org 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
"MMA Motor Breakdown provided by the RAC"