First Directory Motor Breakdown Assistance First Directory Policy Number FD070104M

Transcription

1 First Directory Motor Breakdown Assistance First Directory Policy Number FD070104M Call (free from landlines), or (calls to this number are charged at your standard network rate) in the event of a breakdown within the UK Please read this policy and keep it for reference

2 Contents Page Section A Policy Summary 2 Section B Additional Important Information about first direct 4 Section C Details of Cover 4 Phone

3 PLEASE ENSURE YOU READ THIS SECTION First Directory Motor Breakdown Assistance Section A Policy Summary This is a Policy Summary only, full terms and conditions can be found in the Section C - Details of cover Name of insurer Type of cover Significant features and benefits Significant exclusions or limitations This policy does not cover: carried out you are travelling Section in Details of cover Section in Details of cover For full details of the limits and exclusions applicable, please refer to Section C - Details of cover from page 4. 2

4 PLEASE ENSURE YOU READ THIS SECTION Duration of the contract Your cancellation rights Change in circumstance Making a claim or Complaint process first direct Assistance Services, or Compensation or , or by visiting their website at 3

5 Section B Additional important information Explaining first direct s service first direct first direct first direct in relation to this Change of insurer first direct first direct Our regulator first direct Compensation first direct the FSCS arrangements are available by contacting them on or , or by Section C Details of cover Introduction you against the costs incurred in the event of a covered breakdown/immobilisation occurring within the UK This document gives you full details of your All the details of how to make a claim, together with conditions of your breakdown cover are set out in you Assistance on the relevant number below Important telephone numbers or , 4

6 Definition of words (listed in alphabetical order) Breakdown/immobilisation or running out of fuel that causes the vehicle that you first direct Assistance, first direct Assistance Services, we, our, us insurer Home address your residential address in the UK Insurer Period of insurance Your cover will remain in force as long as you hold Private individual vehicle vehicle and who is not a motor trader, garage, business or individual dealing UK Vehicle or eligible vehicle you are travelling, You, your, yours private individual Cover and limits First Directory Motor Breakdown Assistance in the UK Assistance your vehicle cannot be we national recovery to a UK destination of your choice if we are unable to your vehicle Important information you you understand what is covered, what is not covered and what to do if you you need to contact us first direct Assistance on or , or write to us at first direct Assistance How this cover works We you period of insurance and within the UK 5

7 Compensation For your insurer You insurer your Further information about the FSCS arrangements are available by contacting them on or Governing law You you and we you We, the insurer and you Your reduce your your statutory rights contact your First Directory Motor Breakdown Assistance you with the following assistance services and you in the event of a covered breakdown/immobilisation of your vehicle in the UK What to do if you need assistance you your own arrangements as reimbursement cannot be made to you Please contact first direct Assistance you and your vehicle your registration number your debit For assistance in the UK you or

8 First Directory Motor Breakdown Assistance benefits in the UK Section 1) Roadside assistance and home start breakdown/immobilisation, first direct Assistance your vehicle in order to affect We we are unable to affect we Section 2) Local recovery your vehicle our assistance either at home or at the roadside, first direct Assistance you, your vehicle we Section 3) National recovery first direct Assistance UK destination of your choice if we your vehicle Section 4) Glass replacement service UK, if you first direct Assistance you may be covered under your Significant exclusions or limitations This section outlines the main exclusions, limitations and conditions of your The following are not covered by your your vehicle your vehicle your vehicle We you We will arrange for your vehicle to be taken to a local garage for assistance, but you vehicle is taken your vehicle in which you are travelling your vehicle 7

9 General exclusions first direct Assistance will not assist or reimburse you in the event of a call for assistance or claim by the event which led to your burning nuclear fuel you are you or resulting from your offence you authorisation from first direct Assistance you, such as fuel, congestion or toll charges us where your vehicle is not being used on breakdown/immobilisation occurred where your vehicle was not accessible using our breakdown/immobilisation UK period of insurance your vehicle you you metres in width you Caravans and trailers your vehicle is immobilised due to a covered breakdown/immobilisation when towing a caravan or we will arrange for your caravan We will not however be liable for any goods, Adverse weather conditions Please be aware that adverse weather conditions such as high winds, snow, ice or floods can make it us our our ensure that you us to attend to your vehicle 8

10 Release fees Should your vehicle be stolen and subsequently recovered by the Police, you may be required by them we can remove your vehicle your home address we can guarantee these costs on your your Specialist charges your vehicle addition to ouryou Keys locked in vehicle your vehicle your vehicle, we will ask you to sign a declaration giving your your General terms and conditions your cover and you must meet them before we Claims Your duties you as you Claims Our rights We we we we we may decide to examine your vehicle Looking after your vehicle You your vehicle against breakdown/immobilisation How to make a complaint first direct Assistance Services, or us with your us to deal with your you our you You your 9

11 Fraud you make a claim under this insurance that is false or dishonest in any way, this cover will not be valid and you 10

12 first direct CK-FDBDAPD 01/ (V9) (web)

13 First Directory Motor Breakdown Assistance First Directory Policy Number FD070104M Effective from 21 April 2016 Call (free from landlines), or (calls to this number are charged at your standard network rate) in the event of a breakdown within the UK Please read this policy and keep it for reference

14 Contents Page Section A Policy Summary 2 Section B Additional Important Information about first direct 4 Section C Details of Cover 4 Phone

15 PLEASE ENSURE YOU READ THIS SECTION First Directory Motor Breakdown Assistance Section A Policy Summary This is a Policy Summary only, full terms and conditions can be found in the Section C - Details of cover Name of insurer Type of cover Significant features and benefits Section in Details of cover Significant exclusions or limitations This policy does not cover: your vehicle is damaged or immobilised as a result of an accident your vehicle is being used for commercial or business you are not with your vehicle at the time of the breakdown and recovery your First Directory Motor your vehicle your vehicle your vehicle exceeds vehicle in which you are travelling We but you We will arrange for your vehicle to be taken to a local garage for assistance, but you work carried out vehicle is taken to attend Section in Details of cover For full details of the limits and exclusions applicable, please refer to Section C - Details of cover from page 4. 2

16 PLEASE ENSURE YOU READ THIS SECTION Duration of the contract Your cancellation rights Change in circumstance Making a claim or Complaint process First Directory Motor Breakdown Assistance, or Compensation or , or by visiting their website at 3

17 Section B Additional important information Explaining first direct s service first direct first direct first direct in relation to this Change of insurer first direct first direct Our regulator first direct or by visiting the Financial Compensation first direct the FSCS arrangements are available by contacting them on or , or by Section C Details of cover Introduction you against the costs incurred in the event of a covered breakdown/immobilisation occurring within the UK This document gives you full details of your All the details of how to make a claim, together with conditions of your breakdown cover are set out in you Important telephone numbers or , 4

18 Definition of words (listed in alphabetical order) Breakdown/immobilisation or running out of fuel that causes the vehicle that you First Directory Motor Breakdown Assistance, we, our, us insurer Home address your residential address in the UK Insurer Period of insurance Your cover will remain in force as long as you hold Private individual vehicle vehicle and who is not a motor trader, garage, business or individual dealing Specialist Equipment recovery of or assistance of Your vehicle and includes, but is not limited to winching, skates, additional UK Vehicle or eligible vehicle you are travelling, You, your, yours private individual Cover and limits First Directory Motor Breakdown Assistance in the UK your vehicle cannot be we National recovery of your vehicle to a UK destination of your choice Important information you you understand what is covered, what is not covered and what to do if you you need to contact us First Directory Motor Breakdown Assistance on or , or write to us at First Directory Motor Breakdown Assistance How this cover works We you period of insurance and within the UK 5

19 Compensation For your insurer You insurer your Further information about the FSCS arrangements are available by contacting them on or Governing law You you and we agree otherwise; or you Third party rights We, the insurer and you Your reduce your your statutory rights contact your First Directory Motor Breakdown Assistance you with the following assistance services and benefits for motoring emergencies to aid you in the event of a covered breakdown/immobilisation of your vehicle in the UK What to do if you need assistance you your own arrangements as reimbursement cannot be made to you Please contact First Directory Motor Breakdown Assistance you and your vehicle your registration number To benefit from First Directory Motor Breakdown Assistance, you eligible vehicle and have identification with you your debit card, credit card For assistance in the UK you or

20 First Directory Motor Breakdown Assistance benefits in the UK Section 1) Roadside assistance and home start breakdown/immobilisation, we your vehicle in order We we we Section 2) Local recovery your vehicle our assistance either at home or at the roadside, we you, your vehicle we Section 3) National recovery We UK destination of your choice if we are unable to fix your vehicle Section 4) Broken windscreen or side glass UK, if you we you under your Significant exclusions or limitations This section outlines the main exclusions, limitations and conditions of your The following are not covered by your your vehicle is damaged or immobilised as a result of an accident your vehicle you are not with your vehicle at the time of the breakdown or assistance your your vehicle your vehicle your vehicle vehicle in which you are travelling We you service We will arrange for your vehicle to be taken to a local garage for assistance, but you vehicle is taken 7

21 General exclusions First Directory Motor Breakdown Assistance will not assist or reimburse you in the event of a call by the event which led to your you authorisation from First Directory Motor Breakdown Assistance and a file number specialist equipment or charges incurred by us where your vehicle highway when the breakdown/immobilisation occurred where your vehicle was not accessible using our breakdown/immobilisation UK period of insurance you or resulting from your offence you such as fuel, congestion or toll charges burning nuclear fuel Caravans and trailers You your vehicle is immobilised due to a covered breakdown/immobilisation your vehicle We will arrange for your caravan or trailer to be taken to a suitable location of our We will not however be liable for Adverse weather conditions Please be aware that adverse weather conditions such as high winds, snow, ice or floods can make it us our our ensure that you us to attend to your vehicle Release fees Should your vehicle be stolen and subsequently recovered by the Police, you may be required by them we can remove your vehicle your home address we can guarantee these costs on your your 8

22 Specialist equipment and charges your vehicle addition to ouryou Keys locked in vehicle your vehicle your vehicle, we will ask you to sign a declaration giving your your General terms and conditions your cover and you must meet them before we Claims Your duties you as you Claims Our rights We we we we Where necessary we may decide to examine your vehicle Looking after your vehicle You your vehicle against breakdown/immobilisation How to make a complaint First Directory Motor Breakdown Assistance, or us with your us to deal with your you are not satisfied with our you You your 9

23 Fraud you make a claim under this insurance that is false or dishonest in any way, this cover will not be valid and you 10

24 first direct CK-FDBDAPD 03/ (V10) WEB