Document of Breakdown Cover

Transcription

1 Documet of Breakdow Cover

2 Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your LV= policy is uderwritte by Liverpool Victoria Isurace Compay Limited. Fouded i 1843 LV= is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, LV= exists wholly for the beefit of its members. We have o shareholders takig a share of our profits. Istead we ivest our profits i makig our products competitive ad deliverig a outstadig customer service. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 1 Documet of BREAKDOWN COVER

3 Cotets Page Welcome to LV= 1 What to do if you breakdow 3 Defiitios 5 Sectio A ---- Itroductio to LV= breakdow cover 5 Sectio B ---- Vehicles 6 Sectio C ---- Roadside Assist 6 Sectio D ---- Roadside & Home Assist 7 Sectio E ---- UK Recovery 8 Sectio F ---- UK Recovery & Home Assist 8 Sectio G ---- UK & Europea Assist 10 Sectio G Cover before you travel 10 Sectio G Missed motorail coectio 10 Sectio G Roadside Assistace ad local recovery 11 Sectio G Providig spare parts 11 Sectio G Relief driver 11 Sectio G Repatriatig your vehicle 12 Sectio G Temporary replacemet vehicle i the UK 12 Sectio H ---- Persoal cover 13 Sectio I ---- Geeral coditios of service 13 Sectio J ---- Service limitatios ad exclusios 15 Documet of BREAKDOWN COVER 2

4 What to do if you breakdow Whe you break dow i the UK simply call us o Textphoe: Europe or mobile Thigs you eed to quote Your policy umber, the registratio umber, make, model ad colour of your vehicle. Exact details of where you are, the phoe umber you re callig from ad the problem with your vehicle. If you have persoal cover, ad you are askig for help for a vehicle that is ot your omiated vehicle, you must give your ame as show o your policy documet, alog with your home address, ad tell us the make, model ad registratio umber of the vehicle you are travellig i whe you call. Motorway SOS boxes If you do t have a mobile use the emergecy phoe o the hard shoulder of the motorway. Please do ot use these umber(s) for ay calls that are ot about a breakdow. Do ot cotact our breakdow professioal or ay other breakdow professioal directly. To help improve customer service all calls are moitored ad recorded. 3 Documet of BREAKDOWN COVER

5 Whe our breakdow professioal arrives Our breakdow professioal will do everythig they ca to get you o your way. But please remember they are oly authorised to provide the service you have paid for ad agreed with our cotrol cetre. They will ask for you to pay for ay parts. We will ot be resposible for the cost of ay services you arrage without authorisatio from our cotrol cetre. Whe our breakdow professioal has dealt with your breakdow, they may ask you to sig a advice ote. They will retur this to us to help us moitor our respose rates ad audit procedures. Safety first If you re ivolved i a breakdow, always call us as soo as you ca. If you have a disability or special eeds or feel you are a vulerable perso or i a vulerable locatio, please let our cotrol cetre kow whe you report the breakdow. If you breakdow o a motorway, use oe of the emergecy phoes located every mile alog the hard shoulder. This will help us kow exactly where you are. Pull oto the hard shoulder as far to the left as you ca ad switch o your hazard lights. Get out of your vehicle as safely as possible ad wait well away from the carriageway, but ot i frot of your vehicle. If you feel at risk, retur to your vehicle ad wait i the passeger side with the doors locked. For your safety, oce you feel the dager has passed, leave the vehicle ad wait well away from the carriageway, agai ot i frot of your vehicle. NEVER put your life at risk by tryig to cross the carriageway. Call LV= ow to iclude Europea cover Textphoe: Lies are ope 8am pm Moday to Friday, 8am pm Saturday ad Suday 9am pm. Calls may be moitored or recorded for traiig purposes. Documet of BREAKDOWN COVER 4

6 Defiitios Wherever these defiitios appear i this documet of breakdow cover, they will have the same meaig: Breakdow a traied, professioal motor mechaic/recovery driver or specialist professioal service provider. Breakdow immobilisatio of the vehicle due to a mechaical or electrical failure, theft or attempted theft, vadalism, accidetal damage, a flat tyre or a lack of fuel occurrig durig the period of cover. Home address your permaet residece we have o record at the time of a breakdow as supplied by you. Motorail a specific Europea Rail Service for trasportig vehicles across Europe. Motorail services do ot iclude Chael Tuel rail services. Passegers occupats of the vehicle (excludig hitch hikers). Schedule forms part of your cotract with us ad icludes the period of cover, ame of the policyholder ad your level of breakdow cover. Spouse/parter spouse, parter or civil parter residig at the same residetial address. Trip a pre booked cotiuous jourey to the coutries as specified withi the geographical limits of Sectio G which begis ad eds i the UK withi the policy period ad which does ot exceed 180 days i total durig the policy period. UK market value the value for the relevat make ad model as specified i Glass s Guide or recogised equivalet. UK residets mailad UK, Norther Irelad ad Chael Islad residets. Vehicle ay mechaically propelled vehicle that requires isurace for use o the public highway as specified uder the Road Traffic Act 1988 ad meets ay weight, dimesio ad age restrictios (see Sectio B - Vehicles). We, us ad our Liverpool Victoria Isurace Compay Limited, ad where the cotext dictates, Liverpool Victoria Isurace Compay Limited tradig as LV= Britaia Rescue. You, your ad the amed idividual(s) o the schedule. the policyholder Your ayoe actig with or o your authority. represetative Sectio A Itroductio to LV= Breakdow Cover This policy is for residets of the Uited Kigdom (UK), the Chael Islads ad the Isle of Ma ad etitles you to our vehicle breakdow ad recovery assistace withi the Uited Kigdom, the Chael Islads, the Isle of Ma ad the Republic of Irelad. For Europea breakdow ad recovery assistace see Sectio G (UK & Europea Assist). We have set out the levels of cover which we provide i Sectios C to H of this policy. 5 Documet of BREAKDOWN COVER

7 We will protect you agaist the cost of vehicle breakdow ad recovery assistace withi the policy period for which you pay a premium. Uless you give us a future start date your cover begis the day after you purchased the cover. The policy oly covers oe permaetly amed vehicle uless you have paid a extra premium for Persoal cover (see Sectio H). Sectio B Vehicles Vehicles should ot be more tha 7.0 metres i legth, 2.3 metres wide, 3 metres i height, or a weight whe fully loaded ot exceedig 3.5 toes. If appropriate you must always carry a legal ad serviceable spare wheel or a maufacturer supplied or approved emergecy tyre iflatio kit or equipmet ad keys for ay tyre security devices. Vehicles must be i a roadworthy coditio ad should be serviced ad maitaied i lie with maufacturer guidelies ad meet all legal regulatios icludig, if appropriate, havig a MOT certificate. It is your resposibility to esure that all vehicles are kept i this coditio throughout the period of cover ad we may ask for proof i the evet of a dispute. The service does ot cover vehicles which, i the opiio of the breakdow professioal attedig the vehicle, were uroadworthy or were broke dow before your policy bega. We will ot provide services for vehicles if they are ot registered with us. You must tell us immediately if you chage your vehicle (see Sectio H if you have paid a extra premium for Persoal cover). Vehicle chages must be permaet ad are ot reversible. Vehicles ad ay carava or trailer that is attached to your vehicle must be registered as owed by you, or a member of your household, ad be kept at your home address as show o our records (see Sectio H if you have paid a extra premium for Persoal cover). Caravas ad trailers your cover icludes ay carava or trailer that is attached to your vehicle (this does ot iclude help at the home address that we have o our records or withi ¼ of a mile of that address or the locatio at which your carava is ormally stored). Caravas ad trailers should ot be more tha 8 metres i legth (icludig A-frame) ad fitted with a stadard 50 millimetre ball couplig. All caravas ad trailers must meet the requiremets of the Road Vehicles (Costructio ad Use) Regulatios If appropriate you must always carry a legal ad serviceable spare wheel or a maufacturer supplied or approved emergecy tyre iflatio kit or equipmet ad keys for ay tyre security devices. Motorhomes ---- must ot be more tha 8 metres i legth or a weight whe fully loaded ot exceedig 7.5 toes ad must be a recogised make ad model which has bee coach-built for that precise purpose. If appropriate you must always carry a legal ad serviceable spare wheel or a maufacturer supplied or approved emergecy tyre iflatio kit or equipmet ad keys for ay tyre security devices. Sectio C Roadside Assist If your vehicle caot be drive because of a breakdow which occurred at least ¼ of a mile from your home address we will; Try to repair the fault at the roadside for up to oe hour so that you ca cotiue your jourey safely ad legally. Documet of BREAKDOWN COVER 6

8 If we caot repair your vehicle at the roadside we will trasport your vehicle, you ad up to 7 passegers that are i the vehicle at the time of the breakdow to a local place of repair or to a destiatio of your choice withi 10 miles of the breakdow. Relay telephoe messages to advise of uforesee travel delays. Exceptios to Sectio C Breakdows occurrig withi a ¼ of a mile of your home address. All other labour charges ad the cost of replacemet parts ad/or other materials are your resposibility. Labour charges at the roadside are covered as part of your policy. The cost of supplyig a spare wheel ad tyre if a serviceable oe caot be provided by you. The cost of, if eeded, a locksmith, body glass or tyre specialist. Aythig specified withi the Service Limitatios ad Exclusios sectio of this policy (See Sectio J). Importat iformatio about Roadside Assist Where it is ot safe to repair a fault at the roadside (for example o a motorway), we will take your vehicle to a safe locatio withi 10 miles of the breakdow to carry out repairs. Recovery caot be used as a way of avoidig repair costs. This service caot be used if the vehicle has already broke dow or was ot i a roadworthy coditio whe cover was take out. Roadside Assist is oly effective the day after you purchased the cover. Sectio D Roadside & Home Assist If your vehicle caot be drive because of a breakdow we will: Allow you to use the cover provided uder Sectio C (Roadside Assist) withi ¼ of a mile of your home address. Exceptios to Sectio D Ay exceptios specified i Sectio C (Roadside Assist) other tha if the breakdow occurs withi a ¼ of a mile of your home address. If you do ot accept immediate recovery followig a call out to your home address, you will have to pay for ay further help for the same fault. Aythig specified withi the Service Limitatios ad Exclusios sectio of this policy (See Sectio J). Importat iformatio about Roadside & Home Assist Where it is ot safe to repair a fault at the roadside (for example o a motorway), we will take your vehicle to a safe locatio or to the breakdow professioal s premises to carry out repairs. Roadside & Home Assist is oly effective the day after you purchased this cover. We will oly provide help at your home address if your vehicle is immobilised due to a breakdow. For help provided at your home address, our breakdow professioal will try to repair the fault. If they ca t do this, we will take the vehicle immediately to a local place of repair but you will have to pay for ay repairs. If you do ot accept immediate recovery, you will have to pay for ay further help for the same fault. 7 Documet of BREAKDOWN COVER

9 Recovery caot be used as a way of avoidig repair costs. This service caot be used if the vehicle has already broke dow or was ot i a roadworthy coditio whe cover was take out. Sectio E ---- UK Recovery If your vehicle caot be drive because of a breakdow which occurred at least ¼ of a mile from the your home address we will; Allow you to use the cover as specified uder Sectio C (Roadside Assist). Trasport your vehicle, you ad up to 7 passegers that are i the vehicle at the time of the breakdow to a local place of repair; or to a destiatio of your choice if i our opiio the fault or damage caot be repaired at the scee of the breakdow or locally by the ed of the workig day (we will ot pay for ay other recoveries); or pay a cotributio towards labour costs followig agreemet betwee you ad us if a fault ca be repaired locally. Supply a Relief Driver if the oly driver of the vehicle caot cotiue a jourey because of illess or ijury. Documetary proof of the illess or ijury must be supplied to us if you are ot to be charged for this service. Exceptios to Sectio E Ay exceptios specified i Sectio C (Roadside Assist). Aythig specified withi the Service Limitatios ad Exclusios sectio of this policy (See Sectio J). Importat iformatio about UK Recovery UK Recovery is oly effective the day after you purchased the cover. All costs relatig to parts ad labour remai your resposibility uless covered or agreed by us. Where it is ot safe to repair a fault at the roadside (for example o a motorway), we will take your vehicle to a safe locatio to carry out repairs. Recovery caot be used as a way of avoidig repair costs. This service caot be used if the vehicle has already broke dow or was ot i a roadworthy coditio whe you took cover out. Sectio F UK Recovery & Home Assist If your vehicle caot be drive because of a breakdow, you may; Use the cover provided uder Sectios C, D ad E; Choose oe of the followig beefits if repairs to the vehicle caot be completed by the ed of the workig day o which the breakdow occurred; a) The hire of a replacemet car (up to 1600cc) for up to 48 hours. We will pay the cost of the hire car but you are resposible for all other costs or beefits imposed or offered to you by the hire car compay. You must take up the optio of a hire car withi two days of the breakdow; or b) The cost for you ad ay passegers to either cotiue the jourey or retur to your home address by our choice of alterative trasport, up to a maximum of 100; or Documet of BREAKDOWN COVER 8

10 c) Pay up to 60 per perso for overight bed ad breakfast accommodatio up to a maximum of 500 at a hotel ear the repair garage, ad up to 40 for reasoable public trasport costs to get the driver to the garage the followig day. You must sed us your claim withi 28 days for us to pay you these costs, alog with the relevat receipts. Claim for the cost for oe sigle stadard class rail ticket for you or ay authorised driver to collect the vehicle followig repair. Exceptios to Sectio F If you do ot accept immediate recovery followig a call out to your home address, you will have to pay for ay further help for the same fault. Ay amout more tha those specified withi Sectio F (UK Recovery & Home Assist). A hire car ot authorised by us. Car hire i the evet of the vehicle requirig routie servicig or other repair work to correct o immobilisig faults or udergoig repair of cosmetic damage. Ay exceptios specified i Sectios C, D ad E. Aythig specified withi the Service Limitatios ad Exclusios sectio of this Policy (see Sectio J). Importat iformatio about UK Recovery & Home Assist Where it is ot safe to repair a fault at the roadside (for example o a motorway), we will take your vehicle to a safe locatio to carry out repairs. All costs relatig to parts ad labour remai your resposibility uless covered or agreed by us. We caot guaratee that a replacemet vehicle will be available. We will ot pay for ay extra charges relatig to specific eeds of a replacemet vehicle such as tow bars or roof racks; these requiremets are subject to availability. You must meet the terms ad coditios of the hire car compay which iclude havig a valid drivig licece, meetig the miimum age set by the hire car compay ad beig i possessio of a valid credit card. Hire cars may ot be take out of the coutry without the permissio of the hire car compay. Our breakdow ad recovery assistace does ot exted to hire cars provided uder Sectio F (UK Recovery ad Home Assist). We will oly provide help at your home address if your vehicle is immobilised due to a breakdow. For help provided at your home address, our breakdow professioal will try to repair the fault. If they ca t do this, we will take the vehicle immediately to a local place of repair but you will have to pay for ay repairs. If you do ot accept immediate recovery, you will have to pay for ay further help for the same fault. UK Recovery & Home Assist is oly effective the day after you purchased the cover. Recovery caot be used as a way of avoidig repair costs. This service caot be used if the vehicle has already broke dow or was ot i a roadworthy coditio whe you took cover out. 9 Documet of BREAKDOWN COVER

11 Sectio G ---- UK & Europea Assist I additio to all the services, beefits, terms ad coditios give uder Sectios C ---- F of this policy, those detailed i Sectios G G7 will also apply as well as Sectio I (Geeral Coditios of Service) & Sectio J (Service Limitatios ad Exclusios). This cover oly applies to permaet amed vehicles ad is ot valid for claims uder Persoal Cover (See Sectio H). You may have to pay for some services such as hotel accommodatio ad claim it back from us whe you get back to the UK. The exchage rate will be based o that curret at the time the claim is processed. We will aim to provide the most suitable ad cost effective solutio to your problem ad our decisio will be fial. As well as the geeral terms ad coditios of this policy, we will provide the followig services if you travel to a coutry listed uder the geographical limits below: Geographical limits: Albaia, Adorra, Austria, Belarus, Belgium, Bosia Herzegovia, Bulgaria, Croatia, Cyprus, Czech Republic, Demark, Estoia, Filad, Frace, Germay, Gibraltar, Greece, Hugary, Icelad, Italy, Latvia, Liechtestei, Lithuaia, Luxembourg, Former Yugoslav Republic of Macedoia, Malta, Moldova, Moaco, Moteegro, the Netherlads, Norway, Polad, Portugal, Romaia, Russia (West of the Urals), Sa Mario, Serbia, Slovakia, Sloveia, Spai, Swede, Switzerlad, Tuisia, Turkey i Europe, Ukraie. Sectio G1 Cover before you travel If your vehicle caot be drive because of a breakdow durig the 7 days immediately precedig a pre-booked trip departure date ad repairs caot be completed before you leave we will: Arrage ad pay a maximum of up to 800 for you to hire a replacemet car, subject to availability, with you beig resposible for all other costs or beefits imposed or offered to you by the hire car compay; or Subject to all legal ad statutory regulatios allow a temporary chage for the vehicle that is o cover to allow you to cotiue your jourey; or If your vehicle caot be repaired withi 24 hours of your origial plaed departure, we will cover the cost of rebookig your sea crossig or jourey via the Chael Tuel which was missed as a result of the icidet givig rise to a claim uder this sectio. Exceptios to Sectio G1 Ay claims resultig from a breakdow if you have purchased this cover less tha 7 days before your plaed departure date or a existig policy which expires before the ed of your trip. You must meet the terms ad coditios of the hire car compay which iclude havig a valid drivig licece, meetig the miimum age set by the hire car compay ad beig i possessio of a valid credit card. Sectio G2 Missed Motorail coectio If you fail to coect with a pre-booked Motorail service o the outward jourey because of a breakdow, we will: Pay up to 200 to store the isured vehicle at a locatio ear the Motorail depot for your trip; ad Pay the extra trasport costs of you, your passegers ad luggage to or from the Motorail depot ad the locatio of your vehicle; ad Documet of BREAKDOWN COVER 10

12 Arrage ad pay a maximum of up to 800 for you to hire a replacemet car, subject to availability, with you beig resposible for all other costs or beefits imposed or offered to you by the hire car compay. Exceptios to Sectio G2 You must meet the terms ad coditios of the hire car compay which iclude havig a valid drivig licece, meetig the miimum age set by the hire car compay ad beig i possessio of a valid credit card. Coectios to Chael Tuel trais are ot covered uder Sectio G2 (Missed Motorail coectios). Sectio G3 Roadside Assistace ad Local Recovery If your vehicle caot be drive because of a breakdow durig your trip, we will: Try to repair the fault at the roadside so that you ca cotiue your jourey safely ad legally; or If the fault caot be fixed at the roadside, or i circumstaces where it is ot possible or safe to try to repair a fault at the roadside (for example, o a motorway), we will trasport the vehicle, driver ad up to 7 passegers to a local place of repair. If we caot repair your vehicle by the ed of the workig day o which the breakdow occurred we will: Arrage ad pay a maximum of up to 800 for you to hire a replacemet car, subject to availability, with you beig resposible for all other costs or beefits imposed or offered to you by the hire car compay; or Pay up to a maximum of 500 to trasport you, up to 7 passegers ad your luggage to your oward destiatio; or Pay for overight hotel accommodatio for you ad up to 7 passegers, up to 60 per perso per ight to a maximum of 500, to cover ay additioal costs you may icur i excess of your plaed accommodatio costs. You will have to claim these costs from us o your retur. We will ot pay your plaed accommodatio costs. Exceptios to Sectio G3 You must meet the terms ad coditios of the hire car compay which iclude havig a valid drivig licece, meetig the miimum age set by the hire car compay ad beig i possessio of a valid credit card. Importat iformatio about Roadside Assistace ad Local Recovery i Europe I some coutries if you break dow o a motorway or other major route, your call may be aswered by the police ad they may arrage for a recovery without our authorisatio. If this is the case, you may be asked to pay for the service ad you should keep the receipt ad claim it back from us whe you get back to the UK. Sectio G4 Providig spare parts If replacemet parts are ot available locally to carry out a permaet repair, we will try ad get them elsewhere. You will have to pay by credit card or debit card the cost of the replacemet parts before we order them. We will pay all freight charges, subject to a maximum of 500 associated with gettig the parts to the local repairer. Sectio G5 Relief Driver If the oly available driver caot cotiue a jourey because of illess or ijury, we will: Provide a qualified driver to drive your vehicle ad up to 7 passegers back to your home address i the UK; or 11 Documet of BREAKDOWN COVER

13 Pay ay extra costs to trasport your vehicle, up to 7 passegers ad luggage back to the UK as log as these costs are ot higher tha the market value of your vehicle. Importat iformatio about Relief Driver Documetary evidece of the illess or ijury must be supplied to us if you are ot to be charged for this service. Sectio G6 Repatriatig your vehicle If your vehicle caot be drive because of a breakdow durig your trip ad your vehicle ca ot be repaired i time for your retur jourey to the UK, we will: Pay ay extra costs of trasportig you, up to 7 passegers ad luggage back to the UK; ad Pay the cost of trasportig your vehicle to your home address i the UK as log as these costs are ot higher tha the market value of the isured vehicle; or Pay up to 500 for someoe you choose to travel to the place of repair to drive your vehicle back to your home address i the UK. Importat iformatio about repatriatig your vehicle It ca take up to 15 workig days to arrage repatriatio of your vehicle followig our agreemet to do so. The UK market value of the vehicle will be obtaied from the Glass s Guide or recogised equivalet. We will ot be resposible for the trasportatio of ay excise goods which come uder the jurisdictio of HM Reveue & Customs (HMRC) such as tobacco, alcohol or fuel. These items must be removed from the vehicle prior to trasportatio beig arraged ad you will be resposible for the arragemet ad the cost of a alterative method of shippig. Sectio G7 Temporary replacemet vehicle i the UK If you have to retur to the UK before your vehicle, we will: Arrage ad pay a maximum of up to 800 for you to hire a replacemet car, subject to availability, with you beig resposible for all other costs or beefits imposed or offered to you by the hire car compay; or Subject to all legal ad statutory regulatios agree a temporary vehicle swap util your vehicle is retured to the UK. Exceptio to Sectio G7 You must meet the terms ad coditios of the hire car compay which iclude havig a valid drivig licece, meetig the miimum age set by the hire car compay ad beig i possessio of a valid credit card. Exceptios to Sectio G UK & Europea Assist is oly effective the day after you purchased the cover. We will ot pay for ay of the followig: Ay bail or customs duty you must pay; Ay costs which you would have had to pay ayway if the breakdow had ot happeed; Ay costs arisig after your vehicle has bee retured to the UK irrespective of whether the vehicle requires repair; The cost of replacemet parts, labour or other materials; Documet of BREAKDOWN COVER 12

14 Costs resultig from a previously discovered fault which has ot bee repaired by a qualified techicia; Services covered by ay other isurace policy or costs which you ca claim agaist aother perso; The costs of ay services you have to pay outside the geographical limits; The costs of ay services we have ot authorised; Loss or damage to ay uaccompaied baggage or persoal belogigs we are trasportig; Ay fies awarded agaist you; ad Your vehicle s repatriatio if the costs will exceed its UK market value. Sectio H ---- Persoal cover If you have paid a additioal premium for Persoal cover it exteds your cover to ay privately owed vehicle you or your spouse/parter drive or travel i, withi the UK, ad to ay privately owed carava or trailer attached to the vehicle. The vehicle must meet ay weight, dimesio ad age restrictios described i Sectio B (Vehicles) ad which we do ot exclude uder Sectio J (Service Limitatios ad Exclusios). Exceptio to Sectio H Repairs caot be udertake uless you have the authority of the ower to authorise ay repairs. Sectio I ---- Geeral coditios of service 1. You must make all requests for our breakdow ad recovery assistace immediately. We will ot accept resposibility for ay service or help that we have ot arraged. 2. You or your represetative must stay with the vehicle to make sure that the breakdow professioal has access to the vehicle. Your represetative must have your permissio to authorise ay ecessary repair or other work, which will be at your expese ad if appropriate, have your permissio to drive the vehicle. 3. We will try to repair your vehicle, or take it to your chose destiatio, liked to your cover etitlemet. We do ot cover ormal vehicle maiteace ad will charge you for ay services that are ot covered by the policy icludig all its terms ad coditios. 4. All our breakdow professioals are required by law to adhere to regulatios o driver s hours. If a recovery is eeded this may result i the breakdow professioal takig regular breaks or the eed to operate a staged recovery where further breakdow professioals are used to share the recovery. 5. I the evet of a recovery our breakdow professioal will uload the vehicle i a safe ad appropriate place close to your chose destiatio. For example, our breakdow professioal will ot uload a vehicle o a private driveway if there is isufficiet space, a risk of groud compressio or obstacles which could make this difficult. 6. I the evet of a road traffic accidet you must cotact your motor isurace compay i the first istace to arrage recovery to esure you receive your full etitlemets. If assistace is ot available for whatever reaso, we will provide the services as show uder your cover etitlemet. 13 Documet of BREAKDOWN COVER

15 7. You must tell us if you are covered for services by ay other isurace policy or ca claim agaist aother perso. If you are covered by aother isurace policy we will ask you to iclude our ivoice i your claim agaist the other perso or agaist your other policy to recover or reduce costs. 8. It is your resposibility to make sure that ay temporary repair that our breakdow professioals carry out is followed immediately by ay ecessary permaet repair. We will ask for proof of repair i the evet of a dispute. 9. I the evet that your paymet defaults, we will termiate your cover immediately ad seek to recover all costs icurred i providig services to you. We reserve the right to refuse service i the evet of paymet default. 10. We will ot provide assistace ad reserve the right to cacel your policy or declie cover at reewal if you: Fail to repair the vehicle followig a call out for the same problem. Kowigly use the vehicle whe a fault has bee idetified. Fail to service ad maitai the vehicle i lie with maufacturer guidelies. Fail to obtai a valid MOT certificate if required by law. Fail to keep the vehicle i a roadworthy coditio. We will ask you to provide documetary evidece such as a MOT, Repair or Service ivoice i the evet that you fail to comply with the above coditios. Failure to supply documetary evidece will result i your policy beig cacelled. 11. I the evet that we have provided services which are ot covered by this policy, for example we have atteded a vehicle at your home address ad the level of cover you chose did ot iclude assistace at home or we have provided spare parts for a repair ad settlemet has ot bee made to the breakdow professioal or supplier as specified i clause J3, we will charge you at the time of your call or we will sed you a ivoice for the amout due which should be paid withi 30 days. 12. If you have give us false iformatio o your applicatio for cover, or give us icorrect iformatio whe you asked for help, for example the vehicle does ot meet all legal requiremets or was broke dow before your cover started; you will have to pay all costs which we have had to pay as a result of your false or icorrect iformatio. I such circumstaces we reserve the right to termiate your cover immediately with o refud. 13. We may oly recover a vehicle from the scee of a accidet if we have permissio from the emergecy services ivolved. 14. If there are ay differeces betwee the terms i this Policy Documet ad ay terms our breakdow professioals agreed over the phoe or i perso, these writte terms will apply. 15. We will ot provide assistace if you or ay passeger behave i a threateig or abusive maer to us or our breakdow professioals. 16. Ay diagosis by our breakdow professioal is oly provisioal; you may require a follow up diagosis by your ow repairer, at your ow cost, to determie the exact ature of the breakdow ad what work or parts are required for repairs to be completed. Documet of BREAKDOWN COVER 14

16 Sectio J ---- Service Limitatios ad Exclusios We will ot be resposible for providig the followig: 1. The cost of ay service outside the period of cover, or where we have ot received the correct premium. 2. Breakdow ad recovery assistace o the road withi ¼ of a mile of your home address that we have o record, uless you have paid for Roadside & Home Assist, UK Recovery & Home Assist or UK & Europea Assist cover. 3. The cost of all parts or supplies used or provided to you or for your vehicle. These will iclude: The cost of supplyig ad fittig widscrees; Labour costs i removig ad disposal of cotamiated or icorrectly mixed fuel; ad Storage charges uless we have specifically covered them uder your chose level of cover. You must pay all these costs to the breakdow professioal or supplier. 4. Ay charges icurred because your vehicle is ot carryig a legal ad serviceable spare wheel or a maufacturer supplied or approved emergecy tyre iflatio kit or equipmet or keys for ay tyre security devices (this does ot apply to motorcycles). 5. Ay fies, pealties, tolls or uclampig charges you have to pay. We will pay ay tolls if your vehicle is beig recovered at the time by oe of our breakdow professioals. 6. Accommodatio or other expeses (for example, rail or taxi charges) that you or your passegers have to pay, uless we have specifically covered them uder your chose level of cover. 7. Ay costs ivolved i movig your vehicle ito a positio where we ca try to repair it or trasport it. For example all charges for retrievig your vehicle from a ditch or field are your resposibility. 8. The full costs of our breakdow professioal s time if, havig called us, you employ aother breakdow professioal before our breakdow professioal arrives to repair or recover your vehicle. However, if you phoe us for help but you maage to get your vehicle goig agai, we may agree ot to charge you for our breakdow professioal s time if you cotact us immediately. 9. Breakdow ad recovery assistace for vehicles ivolved i sportig evets, icludig racig, pacemakig, speed testig, rallies, trials ad all other track based activities ad those ivolved i leisure off road evets. 10. Breakdow ad recovery assistace for vehicles ivolved i hire ad/or reward uses (such as a taxi). 11. Ay loss of busiess, loss of profit, loss of reveue, loss of cotract, loss of goods or ay direct or idirect losses icurred as a result of the services provided to you uder this policy or the delay or alleged delay i providig such services. 12. Major repairs, servicig, strippig dow vehicles or reassembly (icludig repairig faulty brakes, steerig, suspesio or DIY work). 15 Documet of BREAKDOWN COVER

17 13. Recoverig a carava or trailer if it is occupied by people or livestock, ad trasportig aimals ad pets i a recovery vehicle (with the exceptio of Assistace Dogs). I these cases, the breakdow professioal s decisio is fial. 14. Ay costs you have to pay if, followig a accidet, the police have temporarily removed the vehicle to a safe locatio or local place of repair. After you have paid ay costs ad filled i the ecessary paperwork, we will recover your vehicle subject to the coditios uder clause I Recovery if it would be dagerous or illegal for our breakdow professioal to load or trasport your vehicle. I these cases, our breakdow professioal s decisio is fial. 16. Help o garage premises which are ot our breakdow professioal s premises. 17. Services i the case of: war or military operatios; acts of terrorism; evets beyod our cotrol; civil disorder; a atioal emergecy; aythig which the Govermet or highway authority does or fails to do; legal restrictios; idustrial disputes; fire; lightig; explosio; flood (except where the breakdow has occurred due to water damage while the vehicle was i motio/use); uclear explosios or a release of ioisig radiatio; subsidece; or severe weather coditios 18. Ay claims arisig from speedig, alcohol or drug related icidets. 19. More tha oe recovery per breakdow uless we agree otherwise. 20. Ay losses, costs or damages which you suffer as a result of our failure to provide the services listed i Sectios C to H. Despite these limitatios ad exclusios, we do ot ited aythig i these policy coditios to limit ay legal rights you may have as a cosumer agaist us or our employees or breakdow professioals as a cosequece of death or persoal ijury resultig from our egligece or that of our employees or breakdow professioals. Documet of BREAKDOWN COVER 16

18 Breakdow cover cotact umbers Customer Services Mo-Fri 8am-9pm, Sat 8am-5pm, Su ad bak holidays 9am-5pm Claims 24 hours a day, 365 days a year Iside the uk Europe oly For Textphoe: dial first. Calls may be recorded for traiig ad moitorig purposes You ca get this ad other documets from us i Braille, large prit or o audio by cotactig us. LV= ad Britaia Rescue are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad Britaia Rescue are tradig styles of the Liverpool Victoria Group of compaies.. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /13