Voyager to France EVA 2008.qxp by liwenting

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									               european vehicle assistance policy information
This Vehicle Breakdown Insurance is arranged by UK            If you are not satisfied with the way we have dealt with
Underwriting Limited on behalf of:                            your complaint, please write to:                               Help us to help you
AXA Insurance UK plc. Registered Office:                      The Head of Claims                                             If You need to contact Green Flag You should use the
5 Old Broad Street, London EC2N 1AD,                          UK Underwriting Ltd,                                           following freephone number:
Registered in England No. 78950.                              2 Gibraltar House,
UK Underwriting Limited and AXA Insurance UK plc              Bowcliffe Road, Leeds LS10 1HB                                  00800 4000 6152
are authorised and regulated by the Financial Services
                                                              If it is not possible to reach an agreement, You have the      If You are unable to reach Green Flag on the
Authority. This can be checked on the FSA’s register by
                                                              right to make an appeal to the Financial Ombudsman             freephone number then you can also try the STD
visiting the FSA’s website at www.fsa.gov.uk/register or
                                                              Service.                                                       number which is:
by contacting them on 0845 606 1234
                                                              This also applies if You are insured in a business
                                                                                                                              0141 349 1077
Service promise                                               capacity but have a group annual turnover of less than
                                                              £1 million, or are a charity with an annual income of          Continental dialling tones can differ from the British
We hope You are happy with the cover this policy              less than £1 million, or are a trustee of a trust with a net   one. Insert coins carefully, giving each one time to
provides. However, if after reading this certificate, this    asset value of less than £1 million. You may contact the       drop. Dial steadily and without any long pauses,
insurance does not meet with Your requirements,               Financial Ombudsman Service at: -                              except if You have to wait for a second dialling tone.
please return it to Us within fourteen days of issue and
                                                              Financial Ombudsman Service                                    Connection can take up to a minute. Any persistent
We will refund your premium.
                                                              South Quay Plaza,                                              tones or recorded messages in a foreign language
The Insurer shall not be bound to accept renewal of           183 Marsh Wall, Docklands,                                     will mean Your call has not connected, so try again.
any Insurance and may at any time cancel any                  London E14 9SR                                                 In Belgium, Spain and France You must wait for a
insurance document by sending 14 days notice to the                                                                          second tone after the first two digits.
                                                              Tel: 0845 080 1800
Insured at his last known address. Provided the
                                                              Your statutory rights are not affected if you do not follow    You will be asked to quote the reference of the agent
premium has been paid in full the Insured shall be
                                                              the complaints procedure above. For further information        who issued your policy. This is 04VOY/VTF/2008.
entitled to a proportionate rebate of premium in respect
of the unexpired period showing on the Insurance.             about your statutory rights contact your local authority       You must provide as much detail as You can about
                                                              Trading Standards Service or Citizens Advice Bureau.           what has happened, where You are, and Your
Complaints procedure                                                                                                         intended travel route.

                                                              Compensation scheme                                            You must keep a note of the telephone charge to
Our aim at all times is to provide a first class standard
                                                                                                                             claim back later.
of service. However, there may be times when you feel         AXA Insurance UK plc are covered by the Financial
that this objective has not been achieved. Should you         Services Compensation Scheme (FSCS). You may be
have any query or complaint regarding this insurance          entitled to compensation from the scheme, if they
or the way a claim has been dealt with, in the first          cannot meet their obligations. This depends on the             Important Information
instance please write to the:                                 type of business and the circumstances of the claim.
                                                                                                                             Mobile Telephones
Customer Services Department                                  Most insurance contracts are covered for 100% of the
                                                              first £2,000 and 90% of the remainder of the claim.            Mobile telephones are convenient, but expensive. Even
Voyager Insurance Services Ltd
                                                              You can get more information about compensation                if You ask someone to call You back on Your mobile
13-21 High Street, Guildford, Surrey, GU1 3DG
                                                              scheme arrangements from the FSCS.                             telephone, You may still have to pay the bill. You will
Please ensure your policy number is quoted in all                                                                            also be charged for calls made on a mobile telephone
correspondence to assist a quick and efficient                                                                               via a freephone number.
response.                                                                                                                    For these reasons We ask that wherever possible you
                                                                                                                             contact Green Flag from a public call box.
 Benefits schedule                                                                                limits                     If it is absolutely essential that you do use a mobile
 1. Before travel starts                                                                          £2,000                     telephone, then We will, at our option, reimburse the
                                                                                                                             charges to a maximum of £25, if We believe they have
 2. Roadside assistance & towing                                                                 Unlimited
                                                                                                                             been reasonably incurred.
 3. Emergency labour                                                                               £250
                                                                                                                             Motorways
 4. Loss of use of the Insured Vehicle for more than 8 hours either
                                                                                                                             In several parts of Europe, if You break down on a
    a. Transport to destination & return to collect car, or                                Up to costs incurred
                                                                                                                             motorway or other major public road, police will answer
    b. Additional accommodation costs (per person per night up to total shown), or              £45*/£450                    the phones. They will arrange for a local recovery
    c. Cost to hire alternative vehicle                                                           £2,000                     company to send a recovery truck to You without
 5. Repatriation costs                                                                           Unlimited                   contacting Us. Very few of these local recovery agents
                                                                                                                             have any link with UK motoring organisations and You
    Accommodation and travel expenses to collect your vehicle from abroad following repairs £400
                                                                                                                             may well have to pay for this assistance on the spot. If
    Contribution to UK hire car while own vehicle is being repatriated                             £250                      You keep a receipt, We will refund the full cost of
 6. Providing a Chauffeur to get home                                                            Unlimited                   assistance, including towing charges and time the
    Additional accommodation costs (per person per night up to total shown)                     £45*/£450                    mechanic has spent working on the Insured Vehicle at
                                                                                                                             the roadside.
 7. Cost of delivering spare parts                                                               Unlimited
 8. Legal defence                                                                                £20,000
                                                                                                                             Cover and Conditions
 9. Advance of funds                                                                              £2,000
                                                                                                                             This policy is valid only when accompanied by a
 10. Theft                                                                                         £100
                                                                                                                             schedule showing that the premium has been paid.
 * per person, per night up to a maximum in all.


                     Green Flag Motoring Assistance           Green Flag Motoring Assistance. has undertaken to              complaint can be found in our Terms & Conditions,
                     Registered Office: The Wharf,            comply with the Association of British Insurers’               which are also available on request.
                     Neville Street, Leeds, LS1 4AZ.          Code of Practice for the selling of general insurance          UK Underwriting Ltd, 2 Gibraltar House,
                     Tel: 0113 236 3236 (Administration)      and is designated as a Company Agent, for which the            Bowcliffe Road, Leeds LS10 1HB.
                     Registered in England & Wales            companies it represents accept responsibility. A copy of
                                                                                                                             Registered in England and Wales. No: 4506493.
                     No: 1003081                              the Code is available on request. As required by law,
                                                              details of procedures to follow in the event of a              The Insurance Companies Regulations 1981.
                     VAT Reg. No: 325 5920 59
                                                                                           1
  definitions

Event A road accident, breakdown, vandalism, fire or        goods, livestock, items of furniture, plant and             Cover 2
theft involving the Insured Vehicle occurring during the    equipment.                                                  Roadside Assistance & Towing
Period of Insurance which results in the Insured            This is to certify that the Insurer, in consideration of
                                                                                                                        What is covered
Vehicle being immobilised or dangerous to drive.            the premium specified in Your schedule, agrees to
                                                                                                                        We will arrange and pay for:
We, Our, Us Green Flag Motoring Assistance. as              indemnify the Insured on this Certificate of Insurance in
                                                                                                                        • labour and call-out charges involved in providing
agent of the Insurer or Our authorised Third Party          respect of; -
                                                                                                                          roadside assistance after an Event, if there is a
Contractors.
                                                                                                                          reasonable chance that the roadside assistance will
the Insurer UK Underwriting Ltd on behalf of AXA            Cover 1                                                       make the Insured Vehicle fit to drive; or
Insurance UK plc.                                           Before Travel Starts                                        • the Insured Vehicle to be taken to the nearest local
You, Your The person shown as the member on the                                                                           repairer or safe storage place after an Event.
                                                            What is covered
schedule, or any person driving the Insured Vehicle
                                                            • If You cannot use the Insured Vehicle because of an
with Your permission.                                                                                                   Please remember
                                                              Event which happens within 7 days of when You
                                                                                                                        In several parts of Europe, if You break down on a
Your Party The person shown as the member on the              were due to start Your trip and We reasonably
                                                                                                                        motorway or other major public road, police will answer
schedule, any person driving the Insured Vehicle with         believe that the Insured Vehicle cannot be repaired
                                                                                                                        the phones. They will arrange for a local recovery
Your permission, up to a maximum of 8 human                   before You leave; or
                                                                                                                        company to send a recovery truck to You without
passengers (not including hitch-hikers), and anyone
                                                            • the Insured Vehicle is stolen and not recovered           contacting Us. Very few of these local recovery agents
else associated with You or acting on Your behalf.
                                                              before You leave.                                         have any link with UK motoring organisations and You
Insured Vehicle Any vehicle registered in the United                                                                    may well have to pay for this assistance on the spot. If
                                                            We will pay up to the amount shown in the Benefits
Kingdom which is under 10 years old since first                                                                         You keep a receipt, We will refund the full cost of
                                                            Schedule towards the cost of hiring another vehicle
registration (or under 15 years old if You have paid the                                                                assistance, including towing charges and time the
                                                            for the purpose of carrying out the planned trip,
appropriate extra premium),                                                                                             mechanic has spent working on the car at the
                                                            including any costs for delivery, insurance, and any
We have agreed to cover and which is shown on the           other compulsory charges which the hire car provider        roadside. We will not pay for any spare parts used.
Motoring Assistance Schedule or, where Personal             may make.                                                   Once You have been taken from a motorway or major
Cover applies, any vehicle You or Your spouse or                                                                        public road to a place of safety such as a local garage
common law partner are travelling in, provided it:          Please remember
                                                                                                                        or motorway service station, please contact Us if You
                                                            You must follow the usual conditions of the vehicle hire
• Is either: a car, light van, motorised caravan, estate                                                                need other advice or services.
                                                            company selected. These will usually include :
  car, or motorcycle privately registered in the United                                                                 What is not covered
  Kingdom.                                                  • the need to have a current full driving licence with
                                                                                                                        the cost of spare parts and materials used in providing
                                                              You at the time of hire;
• Carries no more than the number of persons                                                                            this service any labour charges not incurred at the
  recommended by the manufacturer (and for whom             • limits on acceptable endorsements;
                                                                                                                        roadside (unless included in Your Policy Schedule).
  seats are provided) with a maximum of 8 persons           • a cash or credit card deposit ~ e.g. for fuel;
  including the driver.                                     • drivers to be within the appropriate age limits for
                                                                                                                        Cover 3
• Does not exceed (including any load carried) the            hire and to have held a full
                                                                                                                        Emergency Labour
  following gross vehicle weight and dimensions:              driving licence for at least 12 months.
  3,500kg in weight, 7m in length, 3m in height and                                                                     What is covered
                                                            If You cannot meet the above requirements quickly,
  2.25m in width.                                           then this will result in a delay in obtaining a hire        We will arrange and pay for:
• Is serviced, maintained and operated as                   vehicle, and may result in You not being able to obtain     • up to the amount shown in the Benefits Schedule
  recommended by the manufacturer and holds a               a hire vehicle.                                               towards the cost of emergency labour (but excluding
  current valid MOT certificate if applicable.              In some cases, You will have to pay for vehicle hire          the cost of parts) incurred outside the United
• Is a caravan or trailer of standard make that meets       services locally. If this happens, We will give You a         Kingdom which will allow You to continue the
  The Motor Vehicles (Construction and Use)                 refund (up to cover limits) as long as You provide all        journey in the Insured Vehicle without the need to
  Regulations 1978, is fitted with a standard 50mm          necessary paperwork and have received approval from           call on any other of the services offered by this
  tow ball, falls within the size and weight restrictions   the Green Flag Control Centre.                                policy.
  above and is being towed by the Insured Vehicle at                                                                    Please remember
                                                            What is not covered
  the time of the incident.
                                                            • The cost of any fuel You use in the hire vehicle.         We treat an emergency as a situation which requires
Please note that cover for caravans and trailers is           Usually You will be supplied with a vehicle that has      immediate action. If You ask Us to provide any other
limited to Section 2 and Section 5.                           a tank full of fuel, and it will be expected that it      service under the policy which takes the urgency out of
We do not cover any attachments, or accessories to            should be returned in the same condition. If not You      the situation, then We will not pay for the Emergency
the Insured Vehicle.                                          will have to pay for fuel costs plus an administrative    Labour.
                                                              charge which We will not pay back.
Market Value The UK value of the Insured Vehicle, after                                                                 What is not covered
the Event but before any repairs have been carried out,     • Any ferry charges, road tolls, parking charges, and
                                                                                                                        The cost of spare parts and materials used in
as provided by an appropriate authority and                   parking and motoring fines incurred during the time
                                                                                                                        providing this service
independent of any valuation for motor insurance              that a hire vehicle is allocated to You.
purposes.                                                   • We cannot guarantee that hire cars will always be
                                                              available and We are not responsible if they are not
                                                                                                                        Cover 4
Territorial Limits Mainland Europe and its                                                                              Loss of use of the Insured Vehicle
neighbouring islands, but not States which were               available. In particular, no guarantee can be made
members of the USSR, Albania, Turkey in Asia,                 of 24 hour vehicle replacement.                           What is covered
Cyprus, Iceland or the United Kingdom other than            • No guarantee can be made that there will be tow           • If You cannot use the Insured Vehicle because of an
during the direct journeys between Your home and              bars, roof racks, roof boxes, bike racks or other           Event and We reasonably believe that the Insured
Your international departure point.                           accessories on hire cars or that automatic                  Vehicle will be out of use for more than eight hours;
                                                              transmission vehicles will be available. Similarly We       or
United Kingdom Great Britain, Northern Ireland, the
                                                              cannot guarantee the availability of comfort features     • the Insured Vehicle is stolen and not recovered
Isle of Man and the Channel Islands.
                                                              such as air conditioning.                                   within eight hours.
Home Your residential address in the United Kingdom.
                                                            • Any claim resulting from breakdown if You have            • We will, at Our option, pay for the reasonable
Period of Insurance The period between the start of                                                                       costs of one of the following :
                                                              bought this insurance within 7 days or Your
Your cover and the expiry date shown on Your schedule.
                                                              scheduled departure date, or if the actual or             a. Taking You, Your Party and Your luggage, by any
Luggage Suitcases, bags and trunks as would be                imminent breakdown is discovered in the course of            suitable means, to Your destination, and then
normally packed for a journey / holiday. This excludes        a service carried out within 7 days of that date.            returning You to the Insured Vehicle after it has
any equipment, fixtures and fittings, furnishings or                                                                       been repaired;
accessories normally associated with the Insured
                                                                                                                        b. Accommodation, including one daily meal (but not
Vehicle (including any trailer/caravan), as well as
                                                                                                                           alcoholic drinks), for You and Your Party while the
                                                                                        2
  cover

  Insured Vehicle is being repaired. These expenses           Cover 5                                                      Cover 6
  are limited to £45 a day for each person and to             Repatriation costs                                           Providing a Chauffeur to return You
  £450 in total for each person;                                                                                           home
                                                              What is covered
c. Up to the amount shown in the Benefits Schedule            If You cannot use the Insured Vehicle because of an          What is covered
   towards the cost of hiring another vehicle, including      Event and it cannot be repaired locally or the repairs, if   If there is an accidental injury, sudden and unforeseen
   any costs for delivery or collection and drop-off fees,    carried out locally, cannot be completed within a time       illness or death which means that there is no-one who
   insurance, and other compulsory charges which the          that would enable You to make Your planned return to         can drive the Insured Vehicle, We will, at Our option, pay
   hire car provider may make. You will be entitled to a      the UK (as indicated by such as a ferry booking); or         for a qualified person to drive the Insured Vehicle, You
   hire vehicle for the time that the Insured Vehicle is                                                                   and Your Party back to Your home in the United
                                                              the Insured Vehicle is stolen outside the United
   unavailable to be used by You. This is the length of                                                                    Kingdom.
                                                              Kingdom, and not recovered until after You have
   time that it is being repaired plus the time You need
                                                              returned to the United Kingdom; or the only person           We will also pay for Your accommodation costs,
   to travel to recover the Insured Vehicle. If repairs are
                                                              qualified to drive becomes unfit to drive the Insured        including one daily meal (but not alcoholic drinks), on
   completed before Your scheduled return journey is
                                                              Vehicle due to accidental bodily injury or sudden and        Your return journey, if these costs would not have been
   due to begin but this return trip could not be
                                                              unforeseen illness;                                          necessary if the journey or holiday had gone ahead as
   reasonably completed within one day, You will not be
                                                              We will, at Our option, pay for the reasonable costs of      planned. These expenses are limited to £45 a day for
   expected to undertake this trip until You would
                                                              the following :                                              each person and to £450 in total for each person.
   normally have done so as per Your scheduled
   journey. If repairs cannot be completed before Your        • Taking You, Your passengers and Your luggage, by           Please remember
   return home then Repatriation Terms and                      any suitable means, to Your home in the United             We will need to see all medical and other evidence
   Conditions will apply.                                       Kingdom.                                                   that shows that there is no-one available to drive the
                                                              • Taking the Insured Vehicle to Your home or to a            Insured Vehicle.
Please remember
You must follow the usual conditions of the vehicle hire        repairer of Your choice in the United Kingdom.             What is not covered
company selected. These will usually include :                Collection                                                   • The cost of any fuel used and road tolls.
• the need to have a current full driving licence with        If You have left the Insured Vehicle abroad for repair,      • The cost of any other special arrangements, over
  You at the time of hire;                                    We will pay the cost of a single economy ticket by rail        and above the provision of a Chauffeur, which We
• limits on acceptable endorsements;                          or sea (or air if the train or boat journey would be           have to make if You or any of Your Party has a
                                                              longer than 12 hours) for You or a driver of Your choice       medical condition.
• a cash or credit card deposit ~ e.g. for fuel;
                                                              to collect the Insured Vehicle. We will also pay any         • Any expenses which You and Your Party would
• drivers to be within the appropriate age limits for
                                                              necessary expenses on the outward journey by the               have had to pay anyway.
  hire and to have held a full driving licence for at
                                                              person collecting the Insured Vehicle, including
  least 12 months.
                                                              accommodation and Green Card charges. We will not
If You cannot meet the above requirements quickly,                                                                         Cover 7
                                                              pay more than the amount shown in the Benefits
then this will result in a delay in obtaining a hire                                                                       Delivering Spare Parts
                                                              Schedule.
vehicle, and may result in You not being able to obtain                                                                    What is covered
                                                              If necessary, We will also pay any charges up to £100
a hire vehicle.                                                                                                            If spare parts are not available locally to repair the
                                                              for storing the Insured Vehicle abroad before it is
In some cases, You will have to pay for vehicle hire          repaired, sent home or legally abandoned.                    Insured Vehicle following an Event, We will arrange to
services locally. If this happens, We will give You a                                                                      have them delivered to You, Your Party or an agreed
refund (up to cover limits) as long as You provide all        In the event that the drivers and passengers return          location as quickly as is reasonably possible.
necessary paperwork and have received approval from           Home without the Insured Vehicle because it is being
                                                              repatriated under this section of the policy, the Insurers   Please remember
the Green Flag Control Centre.
                                                              will pay for reasonable necessary car hire expenses in       We will only pay for the cost of transporting spare
In most parts of Europe, hire vehicles are not                                                                             parts.
                                                              the United Kingdom until the Insured Vehicle is
permitted to cross national frontiers and it may be
                                                              repaired and returned, subject to a maximum of £250.         We are not responsible if the spare parts:
necessary to change hire cars at national borders.
Please remember to notify the Green Flag European             Please remember                                              • are no longer made;
Control Centre of Your intended route.                        Vehicle repatriation will only be carried out when it is     • cannot be bought from the wholesaler or agent; or
Please remember that it is Your responsibility to do all      apparent that repairs can be effected in the United          • cannot be exported to the country where the
things reasonable and practicable to diminish any             Kingdom, and when You confirm to Us that these                 Insured Vehicle is.
claim and to minimise Our costs. An example would be          repairs will be put in hand.
                                                                                                                           What is not covered
that We would not supply hotel accommodation to You           We will, where necessary, need to see all medical and
                                                                                                                           The actual cost of all spare parts and any customs
if You were towing a perfectly habitable caravan. In this     other evidence that shows that there is no-one
                                                                                                                           duty. You must pay Us these costs within a month of
instance We would be prepared to pay for site fees.           available to drive the Insured Vehicle.
                                                                                                                           Us asking for payment.
What is not covered                                           You must make full use of any unused travel tickets if
                                                                                                                           We will not deliver Spare Parts solely for cost reasons,
• The cost of any fuel You use in the hire vehicle.           We are repatriating You, Your Party or the Insured
                                                                                                                           i.e. because they can be sourced cheaper elsewhere
  Usually You will be supplied with a vehicle that has        Vehicle. This includes trading in any unused tickets.
                                                                                                                           than locally.
  a tank full of fuel, and it will be expected that it        What is not covered
  should be returned in the same condition. If not You        • The return of the Insured Vehicle to the United
  will have to pay for fuel costs plus an administrative                                                                   Cover 8
                                                                Kingdom if We believe that the cost of doing so
  charge which We will not pay back.                                                                                       Legal Defence
                                                                would be greater than the market value in the
• Any ferry charges, road tolls, parking charges, and           opinion of an independent, competent Assessor.             What is covered
  parking and motoring fines incurred during the time         • The return of the Insured Vehicle to the United            We will pay up to the amount shown in the Benefits
  that a hire vehicle is allocated to You.                      Kingdom if repairs can be completed locally and            Schedule in respect of legal costs and expenses
• We cannot guarantee that hire cars will always be             You are either unable or unwilling to allow this to        • to defend the driver of the Insured Vehicle against
  available and We are not responsible if they are not          happen.                                                      criminal charges following a Road Traffic Accident
  available. In particular, no guarantee can be made          • The cost of special arrangements which We have to            involving the Insured Vehicle.
  of 24 hour vehicle replacement.                               make if You or any of Your Party has a medical             • to pursue uninsured losses against third parties
• No guarantee can be made that there will be tow               condition.                                                   arising from a Road Traffic Accident involving the
  bars, roof racks, roof boxes, bike racks or other           • Any damage to or theft of objects or accessories left        Insured Vehicle
  accessories on hire cars or that automatic                    in or outside the Insured Vehicle.                         Please remember
  transmission vehicles will be available. Similarly We
                                                              • Any expenses which You would have had to pay               You are responsible for reporting the Event
  cannot guarantee the availability of comfort features
                                                                anyway had the Event not happened.                         immediately by contacting the Green Flag Control
  such as air conditioning.
                                                                                                                           Centre using the emergency number We have

                                                                                          3
  cover                                                        general conditions applying to all sections

provided. You must do this even if You do not need          A. The Insured Vehicle                                          number. Which You should use wherever possible.
assistance immediately.                                                                                                     We expect You to use Mobile phones sparingly and
                                                            Cover is only available for the following :
You must not admit liability or agree to settle any claim                                                                   will only be responsible for cost up to £25 in all.
                                                            • A vehicle registered in the United Kingdom which is
without the written permission of Green Flag.                                                                             7. any costs whatsoever that the law of any country
                                                              under 10 years old since first registration (or under
We will decide who should be the legal representative.                                                                       forces You to incur.
                                                              15 years old if You have paid the appropriate extra
If at any time We decide that Your defence is not likely      premium);
to succeed, We or the legal representatives will write                                                                    C. What You must and must not do
                                                            • a privately-registered motor car up to 3.5 tonnes
to You giving Our reasons.                                                                                                following an Event
                                                              when loaded, a motor cycle, a three-wheeler or
What is not covered                                           privately-registered car-based van up to 3.5 tonnes         Following an Event, You are responsible for :
• costs incurred in pursuance of a claim against a            when loaded - none of these must be more than
                                                                                                                          1. reporting the Event immediately by contacting the
  tour operator, travel agent, carrier, Green Flag or         7metres long, 3 metres wide and 2.25 metres high ;
                                                                                                                             Green Flag Control Centre using the emergency
  the Insurer.                                              • a standard caravan or trailer which meets with the             number We have provided. You must do this even if
• legal costs incurred prior to the granting of support       relevant rules and regulations and is towed by the             You do not need assistance immediately. If You do
  by the Insurer.                                             Insured Vehicle. The weight of the caravan or trailer          require assistance immediately, or subsequently,
• any claim reported more than 180 days after the             when loaded must not be more than the kerb weight              You must contact the Green Flag Control Centre.
  start of the incident giving rise to the claim.             of the Insured Vehicle.                                        You should not contact any garage or recovery
• any claim where there are, in the opinion of the          1. Any vehicle specified in the schedule .                       operator direct. We are not responsible for the
  Insurer, insufficient prospects of making a                                                                                actions or costs of garages, recovery firms or
                                                            2. The Insured Vehicle must be permanently registered
  successful defence or of recovering more than the                                                                          emergency services acting on Your instructions or
                                                               in the UK and, if necessary, have a current MoT
  costs of bringing the action.                                                                                              the instructions of anyone acting for You;
                                                               certificate. You must do all that You can to make
• any claim against any member of Your Party.                  sure the Insured Vehicle is safe and fit to drive. The     2. giving Green Flag correct information when You
                                                               Insured Vehicle must be regularly serviced in line            phone for assistance. If You do not, You may have
                                                               with manufacturer’s recommendations, carry a                  to pay all costs caused by the incorrect
Cover 9                                                        serviceable spare wheel and tyre and be in a                  information. It is particularly important that You can
Advance of Funds                                               roadworthy condition at the start of any trip. We may         quote Your Green Flag membership or policy
What is covered                                                ask for proof that the Insured Vehicle was fit to             number. Remember that You must report any
We will advance to the Driver, once We have received           drive.                                                        Event which could bring about a claim as soon as
a signed acknowledgement of debt, a maximum of the                                                                           possible to the Green Flag Control Centre;
                                                            3. If We arrange for temporary roadside repairs, You
amount shown in the Benefits Schedule for the driver           must then immediately arrange any permanent                3. paying the cost of a Green Flag authorised
to enable the Driver:                                          repairs that may be necessary. If You do not, and             recovery or repair vehicle coming out to You if You
• to provide Bail or other security to any judicial            the same problem happens again, We may ask You                allow the Insured Vehicle to be recovered or
  authority to secure his or her release and that of the       to pay all charges incurred.                                  repaired by someone else after You have contacted
  Insured Vehicle following detention after a road                                                                           Green Flag for assistance;
                                                            4. If an Event occurs due to an inadequate repair of a
  traffic accident or motoring offence.                        problem that has already caused a call-out under           4. following any instructions given by the Green Flag
• to pay in respect of customs duty to a foreign               this Policy, We may ask You to pay all charges                Control Centre. When You ask for assistance or
  government if he or she commits an involuntary               incurred.                                                     recovery, We will give You an estimated time when
  breach or non-observance of the conditions under                                                                           the repair or recovery vehicle will arrive. You and
                                                            5. If an Event occurs due to unsuccessful amateur
  which the Insured Vehicle may be imported for a                                                                            Your Party must wait with the Insured Vehicle until
                                                               servicing or repairs We may ask You to pay all
  limited time into the country without payment of                                                                           the repair or recovery vehicle arrives, unless You
                                                               charges incurred.
  customs duty. This includes payment of customs                                                                             have made other arrangements with the Green
                                                            6. If the Insured Vehicle needs to be moved or
  duty arising out of the abandonment of the Insured                                                                         Flag control centre. We reserve the right to refuse
                                                               recovered after an Event, it must be in an easy
  Vehicle after accident or theft.                                                                                           service and charge You for any costs incurred if You
                                                               position for a recovery vehicle to load. If this is not
                                                                                                                             are not present at the scene of the Event;
Please remember                                                the case, You may have to pay an emergency
                                                                                                                          5. providing Us with a copy of the police report, at Our
Any advance of funds must be fully paid back to Us             recovery fee. In particular if the Insured Vehicle is in
                                                                                                                             request, in the Event of theft, attempted theft or
within 60 days of the advance being made.                      a position where it cannot be worked on or towed,
                                                                                                                             vandalism of the Insured Vehicle;
                                                               the wheels have been removed or where specialist
What is not covered                                            equipment is required for its recovery, You may have       6. the security of the contents of the Insured Vehicle,
Any costs incurred if the Driver fails to comply with any      to pay extra costs (including labour charges).                Caravan or Trailer. We will not recover or repair a
of the terms of release and the bond is forfeited.                                                                           Caravan or Trailer if there is a person or animal in
                                                                                                                             it;
                                                            B. Your general responsibilities
Cover 10                                                                                                                  7. the onward transportation of any animal in Your
                                                            You will be responsible for :                                    vehicle. Any assistance given is entirely at Our
Theft
                                                            1. doing all that You can to keep the Insured Vehicle            discretion. We will not be liable for injury or death of
What is covered                                                safe and fit to drive;                                        the animal. It is Your responsibility to secure any
If any person other than Your Party damages the                                                                              animal being transported in Your own vehicle (in
                                                            2. any consequential costs resulting from a lockout,
Insured Vehicle in the course of a theft or attempted                                                                        that vehicle) or to make alternative arrangements
                                                               where We attempt, with Your permission, to gain
theft of or from the Insured Vehicle We will pay up to                                                                       for its transportation;
                                                               entry into the Insured Vehicle;
the amount shown in the Benefits Schedule towards
                                                                                                                          8. any storage or release fees (over any Policy limits)
the cost of repairing the damage. Typically this will       3. taking all ordinary and reasonable precautions to
                                                                                                                             while the Insured Vehicle is being repaired, or
include damage to windows and door locks damaged               prevent loss, damage to or breakdown of the
                                                                                                                             awaiting collection, inspection or abandonment;
in the course of a theft or attempted theft of or from         Insured Vehicle;
the Insured Vehicle.                                                                                                      9. any ferry charges, road tolls, parking charges, and
                                                            4. disclosing all material facts to Us. Failure to do this
                                                                                                                             parking and motoring fines incurred during the time
                                                               may affect Your rights under this insurance. If You do
Please remember                                                                                                              that a hire vehicle is allocated to You;
                                                               not know that a fact is or is not material then You
You must obtain a police report within 24 hours of the
                                                               should notify Us immediately;                              10. any ferry charges, road tolls, and parking charges
theft and send this to Green Flag.
                                                                                                                              which the driver of a recovery vehicle has to pay;
                                                            5. using all due diligence and doing and concurring in
What is not covered                                            doing all things reasonable and practicable to             11. obtaining and sending any relevant paperwork
damage to paintwork, cosmetic items or items which             diminish any claim, to prevent any loss, theft or              immediately and all information and other help We
do not affect the ability of the Insured Vehicle to be         damage and at all times act as if uninsured;                   ask for relating to costs that may be claimed from
driven safely e.g. radio aerials.                                                                                             Green Flag;
                                                            6. minimising Our costs. This is particularly relevant
Costs incurred after You return home                           regarding the use of Mobile Phones. Green Flag             12. not admitting liability or agreeing to settle any claim
                                                               provides, for most countries, a Freephone telephone            without the written permission of Green Flag;

                                                                                         4
 general conditions                                            general exclusions applying to all sections

13. the cost of parts or other products used to repair       A. Availability of Service                                   2. temporarily immobilised by floods or snow-affected
    the Insured Vehicle;                                                                                                     roads, or is partly or completely buried in snow,
                                                             1. While We seek to meet Your service needs at all
14. taking all steps necessary to expedite the                                                                               mud, sand or water;
                                                                times, this may not always be possible - for example,
    completion of repairs;                                                                                                3. being transported by sea or rail, (unless loss or
                                                                when We are faced with circumstances outside Our
15. collecting the Insured Vehicle from the garage after        reasonable control, such as (without limitation)             damage is caused by Our negligence);
    work has been carried out;                                  extreme weather conditions or equipment failure.
16. paying back to Us within 60 days of Our asking any
                                                             2. We cannot guarantee that all of the services in the       E. What is not covered
    sums which We pay on Your behalf which are not
                                                                policy will be available 24 hours of each day. We will    No cover is available under this policy for any loss or
    covered by this insurance or which You would have
                                                                do all that is reasonable to provide the service as       legal liability resulting from :
    incurred in the normal course of events;
                                                                soon as possible but cannot be held responsible for       1. the Insured Vehicle being misfuelled, including
17. notifying Your Motor Insurance Company following            delays outside of Our control.
    a Road Traffic Accident.                                                                                                 Events where appropriate additives have not been
                                                             3. We have the right to refuse to provide service               mixed with the fuel. We will, however, at Our
                                                                where We consider that You or any member of Your             discretion, recover the Insured Vehicle to a local
D. Legal Factors                                                Party is behaving or has behaved in a threatening            repairer. We are also not liable for any costs or
1. Following an Insured Incident attended by the                or abusive manner to Our employees, agents, or to            charges connected with the drainage or removal of
   police or other emergency services, transportation           any third party contractor. We reserve the right to          fuel, lubricants or other fluids due to the introduction
   of the Insured Vehicle will not take place until they        invalidate cover at any time if, in Our opinion, You         of an inappropriate fluid;
   have authorised its removal.                                 have misused services provided under this cover.          2. ionising radiation or radioactive contamination from
2. This Certificate shall be governed by and                 4. Under no circumstances will the number of people             nuclear fuel, nuclear waste, or the radioactive, toxic,
   construed in accordance with the Law of England              given cover in Your Party exceed any                         explosive or other dangerous properties of nuclear
   and Wales unless the Certificate holder’s habitual           Manufacturer’s or legal limits placed upon the               equipment;
   residence (in the case of an individual) or central          Insured Vehicle, and no cover is available under this     3. confiscation, nationalisation, detention, destruction
   administration and/or place of establishment is                                                                           of or damage to by or under the authorisation of
                                                                policy if, at the time of the Event, the Insured
   located in Scotland in which case the law of                                                                              any government or civil authority;
                                                                Vehicle was carrying more people than it is
   Scotland shall apply.
                                                                designed for, as shown in the manufacturer’s              4. pressure waves from planes or other flying machines;
3. If the law of any country means that We have to              details.
   make a payment which We would not otherwise                                                                            5. war, invasion or civil war, terrorism; or riot or civil
   have paid We will be able to reclaim this amount                                                                          unrest outside Great Britain;
   from You.
                                                             B. Use of the Insured Vehicle                                6. natural disasters - earthquakes, hurricanes,
                                                             No cover is available under this policy if, at the time of      volcanoes, tidal waves, avalanches etc;
E. Our rights                                                the Event, the Insured Vehicle was :                         7. malfunctions due to non-millennium compliant
                                                             1. being used for racing, competition, rally, trials, off-      software;
1. We may choose to have the Insured Vehicle
   repaired (at Your cost) following an Event, rather than      road driving, speed or duration tests, any motor          8. any malicious or criminal act of You or Your Party;
   arranging for it to be recovered to the United               sports, or practising for such events;                    9. a wilful act or omission by You or Your Party;
   Kingdom;                                                  2. overloaded or towing or carrying more weight or           10. a claim for parts, goods or services, arrangements
2. We will not authorise any expense unless:                    people than it is designed for, as shown in the               or advice provided by Us or anyone acting for Us;
3. You or anyone involved in the claim keep to the              manufacturer’s details;                                   11. an inadequate repair of a problem that has already
   terms and conditions of this cover and;                   3. hired out or used for hire or reward, or for the              caused a call-out under this Policy;
4. You report any Event immediately afterwards, or as           carriage of goods for reward, or any claim which          12. unsuccessful amateur servicing or repairs;
   soon as it is discovered by You, by contacting the           includes commercial goods;
                                                                                                                          13. any action unauthorised by the Green Flag
   Green Flag European Control Centre using the              4. not in normal use;                                            European Control Centre.
   emergency number We have provided and;
                                                             5. being driven by a person whom You know does not           14. damage to paintwork or other cosmetic repairs
5. the information You give is true and accurate.
                                                                have a valid driving licence;                                 which do not affect the mobility or safety to drive of
6. If You are covered by any other insurance for an                                                                           the Insured Vehicle;
                                                             6. being driven by a person whom does not meet the
   Event, We will only pay Our share of the claim.
                                                                conditions of their driving licence;                      15. any damage to or theft of objects or accessories left
7. We may take over and defend any claim in Your                                                                              in or outside the Insured Vehicle;
   name. We may also prosecute other people in Your
   name.
                                                             C. Condition of the Insured Vehicle                          16. any vehicle other than the Insured Vehicle shown in
                                                                                                                              Your schedule;
8. We have the right to take any action against any          We will not provide assistance or recovery services if
   party in order to recover costs. You will assist Us in    the Insured Vehicle is :                                     17. any police call-out charges;
   any manner that We ask.                                   1. in Our opinion dangerous or illegal to repair or          18. any expenses which You would have had to pay
9. We will decide how We negotiate and settle Your              transport;                                                    anyway;
   claim.                                                    2. not fit to drive at the start of the journey or had not   19. anything which would involve breaking the law;
10. If We provide a service You are not entitled to, You        been regularly serviced in line with the                  20. indirect or consequential loss of any kind;
    may have to pay. We may also charge an                      manufacturer’s recommendations or was not                 21. any liability created by a contract;
    administration fee.                                         accompanied by a legal spare wheel and tyre. We
                                                                                                                          22. anyone who was not a member of Your Party at the
11. If Green Flag choose not to enforce or rely on any          may ask for proof that the Insured Vehicle was fit to         time of the Event;
    of these Terms & Conditions on a particular                 drive.
    occasion, this will not prevent Us subsequently                                                                       23. hitch-hikers;
    relying on or enforcing them.                                                                                         24. routine servicing or the rectification of failed repairs,
                                                             D. Location of the Insured Vehicle
12. All sums insured and limits stated in this policy are                                                                     or as a way of avoiding repair costs;
    inclusive of VAT or local equivalent.                    We will not provide assistance or recovery services if       25. transportation of horses or livestock;
                                                             the Insured Vehicle is :
13. Premiums payable under this insurance are                                                                             26. any cost recoverable under any other insurance
    inclusive of IPT.                                        1. situated in areas to which We have no right of                and/or under the service provided by any other
                                                                access or on motor trader’s premises. This includes           organisation;
                                                                Customs areas and some European Motorways. We
                                                                                                                          27. any costs incurred after a Road Traffic Accident if
                                                                will, of course, provide assistance once the Insured
                                                                                                                              You have not notified Your Motor Insurance
                                                                Vehicle has been removed from these areas. See                Company of the Event.
                                                                below (Motorways).


                                                  Green Flag Motoring Assistance, Green Flag House, Cote Lane, Leeds LS28 5GF. Telephone 0113 236
                                                  3236
                                                                                          5

								
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