Motor Breakdown Cover

Contents PagenumberDemands and needs statement 1About us and our insurance services 2Policy wording 3-10

Summaryofcover 3Importantinformation 4-5Definitions 6Makingacomplaint 6Motorbreakdowncover(UKbenefits) 7Motorbreakdowncover(Europeanbenefits) 8-9Conditions 10Exclusions 10Callingforassistance/policyenquiries 11

Demands and needs statement

AllianzGlobalAssistanceMotorBreakdownCovermeetsthedemandsandneedsofcustomerswhowishtoinsurethemselveswithrespecttoroadsideassistance.Thelevelofcovermayvarydependingonwhichoptionyouchoose.

MotorBreakdownCoverdoesnotcovereverything.Youshouldreadthispolicycarefullytomakesureitprovidesthecoveryouneed.

Youmayalreadypossessalternativeinsurance(s)forsomeorallofthefeaturesandbenefitsthistypeofpolicyprovides.Itisyourresponsibilitytoinvestigatethis.

AWPAssistanceUKLtdtradingasAllianzGlobalAssistancehasonlyprovidedyouwithinformationandhasnotprovidedyouwithanyrecommendationoradviceaboutwhetherthisproductfulfilsyourspecificinsurancedemandsandneeds.

Thisbookletcontainsthreeseparatedocuments.

The‘Demandsandneedsstatement’andthe‘Aboutusandourinsuranceservices’documentsbothexplainhowtheAllianzGlobalAssistanceMotorBreakdownCoverhasbeensoldtoyou.

The‘Policywording’providesthefullterms,conditionsandexclusionsoftheMotorBreakdownCover.

Demandsandneedsstatement 1

AllianzGlobalAssistance,102GeorgeStreet,

Croydon,CR96HD

About us and our insurance services

1. The Financial Conduct Authority (FCA)TheFCAistheindependentwatchdogthatregulatesfinancialservices.Usethisinformationtodecideifourservicesarerightforyou.

2. Whose products do we offer?Weareaninsuranceintermediarythatoffersproductsfromasingleinsurancecompany,AWPP&CSAwhichisaFrenchcompanydulyauthorisedinFrance.Weactontheirbehalf.

3. What services will we provide you with?YouwillnotreceiveanypersonaladviceorrecommendationfromusforMotorBreakdowninsurance.Wemayaskyousomequestionstonarrowdowntheselectionofproductsthatwewillprovidedetailson.Youwillthenneedtomakeyourownchoiceabouthowtoproceed.

4. What will you have to pay us for this service?

Youwillonlypayusthepremiumforyourpolicy,andyouwillnotpayusafeeforarrangingthisonyourbehalf.Wearepaidforourservicestoyoubytheinsurancecompany,AWPP&CSA.Thenatureofsuchpaymentisamixtureofcommissionandotherfeesbasedonourcostsforadministeringyourpolicy.

5. Who regulates us?AllianzGlobalAssistanceisatradingnameofAWPAssistanceUKLtd,102GeorgeStreet,CroydonCR96HDwhichisauthorisedandregulatedbytheFinancialConductAuthority.OurFinancialServicesRegisternumberis311909.

OurpermittedbusinessincludesarrangingMotorBreakdowninsurance.

YoucancheckthisontheFinancialServicesregisterbyvisitingtheFCA’swebsitewww.fca.org.uk/registerorbycontactingtheFCAon08001116768.

6. What to do if you have a complaintIfyouwishtoregisteracomplaint,pleasecontactus:•Inwriting: CustomerService,AllianzGlobalAssistance,102GeorgeStreet,CroydonCR96HD.•Byphone: 02086039853.•Byemail: customersupport@allianz-assistance.co.ukIfyoucannotsettleyourcomplaintwithus,youmaybeentitledtoreferittotheFinancialOmbudsmanServiceforindependentarbitration.Visitwww.financial-ombudsman.org.ukwritetoFinancialOmbudsmanService,ExchangeTower,LondonE149SRcall08000234567or03001239123emailcomplaint.info@financial-ombudsman.org.uk

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?WearecoveredbytheFSCS.Youmaybeentitledtocompensationfromtheschemeifwecannotmeetourobligations.

Insuranceadvisingandarrangingiscoveredfor90%oftheclaim,withnoupperlimit.FurtherinformationaboutthecompensationschemearrangementisavailablefromtheFSCS,telephonenumber08006781100or02077414100,orbyvisitingtheirwebsiteatwww.fscs.org.uk.

2Aboutusandourinsuranceservices

Cover levels

AlllimitsinthisdocumentareinclusiveofVAT.Upto5calloutsperannum.ThemaximumpassengercarageforBronze,SilverandGoldcoveris15yearsandGoldPlusEuropeancoveris10years.Themaximumlightcommercialvehiclesagelimitis10yearsforBronze,SilverandGoldcover(GoldPlusEuropeancoverisnotavailable).

Bronze coverAssistanceintheUKonly

• Roadsideassistance.• Localrecoverytonearestappropriaterepairerifyour vehiclecannotberepaired.

Silver cover AssistanceintheUKonly

• RoadsideassistanceandHomeassistance.• Localrecoverytonearestappropriaterepairerifyour vehiclecannotberepaired.

Gold coverAssistanceintheUKonly

• Roadsideassistance/Homeassistance.• Localrecoveryofthe vehicle tonearestsuitablerepairerifcannotberepairedattheroadside.• Nationalrecoveryofyour vehicletoaUKdestinationofyourchoice,ifarepaircannotbe

madeattheroadsideoratthelocalrepairerwithina4hourperiod.• Onwardtravel(subjecttousfirstarrangingRoadsideassistanceorLocalrecovery),which

consistsofachoiceof:- Standardclassrailfare(orequivalent)foryouanduptosevenbeneficiariestocomplete

thejourneyintheUKorreturnhome;or- Overnightaccommodationonabedandbreakfastbasis(upto£75perbeneficiarymaximum

payable£300),ifthebreakdownhappensmorethan50milesawayfromyour home;or- Replacementvehiclehireforupto2days(wherepossibleequivalentvehicleuptoGroupC,

andyoumeetingtherequirementsofthevehiclehirecompany).• Vehiclecollection-Standardclassrailfare(orequivalent)foryouandoranominateddriverto

collectyour vehicle.• Incorrectfuel-recoveringthe vehicletothenearestrepairerorarrangingtheservicesofa

mobilefuelunittoattendthe vehicle.Thecostofanyremedialworkisnotcovered.• Lostkeys-Arranging(butnotpaying)foralocksmithtoattendthevehicleorrecoverytorepairer.

Gold Plus European coverAssistanceintheUKandEuropeforpassengercarsonly.

InadditiontothebenefitslistedunderGoldcoverthefollowingEuropeanbenefitsalsoapply:• Roadsideassistance.• Recoveryofthe vehicle tonearestsuitablerepairerifrepaircannotbemadeattheroadside.• Onwardtravel(ifwehavearrangedRoadsideassistanceorLocalrecovery),consistingofeither:

- Standardpublictransporttocompletethejourneyorreturnhome(maximumpayable£750);or- Overnightaccommodationonabedandbreakfastbasis(upto£75perbeneficiaryper

night).Maximumpayableunderthisbenefit£750;or- Replacementvehiclehire(wherepossibleequivalentvehicleuptoGroupC,upto£750in

totalandyoumeetingtherequirementsofthevehiclehirecompany).OnwardtravelwithinEuropeisonlyavailablewhereyour vehiclecannotberepairedwithin8hoursofbeingrecoveredbyus.

• Repatriationofyour vehiclebacktotheUKifrepairscannotbecompletedbeforeyourscheduledreturntotheUK(uptotheUKmarketvalueofyour vehicle).

• VehiclecollectionexpensesfromEurope(Maximumpayable£600).• Storagecostsuntilyour vehiclecanbecollected,(Maximumpayable£100).• Deliveryofsparepartunavailablelocallyneededtorepairyour vehicle.• Incorrectfuel-recoveringthe vehicletothenearestrepairerorarrangingtheservicesofa

mobilefuelunittoattendthe vehicle.Thecostofanyremedialworkisnotcovered.• Lostkeys-Arranging(butnotpaying)foralocksmithtoattendthevehicleorrecoverytorepairer.• Lossordamagetotent-Hireofanalternativetentorovernightaccommodationonabedand

breakfastbasis(upto£75perbeneficiary).Maximumpayableunderthisbenefitis£300.• Acourtesycar,uptoGroupC,forupto3daysifthevehiclehasnotbeenrepairedbeforeyou

returntotheUK.• Arrangeforareplacementdriverorrepatriationofthevehicleiftheonlyqualifieddriveris

medicallyunfittodriveorhastoreturntotheUKforreasonsspecified.• Repatriationofallbeneficiariesandtheirluggage,ifthevehiclehasnotbeenrepairedbefore

youreturntotheUK(maximumpayable£1,000).

Summary of coverThelevelofcoveryouhavechosenisshownonyourconfirmation email

3Policywording

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Important informationThankyoufortakingoutAllianzGlobalAssistanceMotorBreakdownCover.

Yourconfirmation emailshowsthevehiclethatiscoveredandanyspecialtermsorconditionsthatmayapply.

Yourpolicydoesnotcovereverything.Youshouldreadthispolicycarefullytomakesureitprovidesthecoveryouneed.Ifthereisanything you donotunderstand,phone0345 600 2385 or 020 8603 9926 or writetousat102GeorgeStreet,CroydonCR96HD.

InsurerYourAllianzGlobalAssistanceMotorBreakdownCoverisunderwrittenbyAWPP&CSAandadministeredbyAllianzGlobalAssistance.

How your policy worksYourpolicyandconfirmation emailisacontractbetweenyouandus.Wewillpayforanyclaimyoumakewhichiscoveredbythepolicyandlevelofcoverchosenthathappensduringtheperiod of cover.

Unlessspecificallymentioned,thebenefitsandexclusionswithineachsectionapplytothe vehicle. Yourpolicydoesnotcoverallpossibleeventsandexpenses.

Certainwordshaveaspecialmeaningasshownundertheheading‘Meaningofwords’.Thesewordsarehighlightedbytheuseofboldprintthroughoutthepolicy.

Cancellation rightsIfthiscoverdoesnotmeetyourrequirementsorshouldyoudecidetocancelthisinsurancepolicyforanyreasonwithin14daysofreceiptoftheoriginaldocumentation,youcanobtainafullrefundofthepremiumpaidwithoutcharge.

Afterthis14dayperiodyouwillbeentitledtoapro-ratarefundsubjecttonoclaimsbeingpaidunderthepolicy,lessanadministrationfeeof£25.Ineithercase,ifyouhaveaskedustoperformorprovideanyoftheservicesgivenunderthispolicyweareentitledtorecoverallcoststhatyouhaveusedfortheserviceprovided.

ToobtainarefundpleasewritetoAllianzGlobalAssistance,102GeorgeStreet,CroydonCR96HD.

Information you need to tell usThereiscertaininformationthatweneedtoknowasitmayaffectthetermsoftheinsurancecoverwecanofferyou.

Youmust,tothebestofyourknowledge,giveaccurateanswerstothequestionsweaskwhenyoubuyyourpolicy.Ifyoudonotanswerthequestionstruthfullyitcouldresultinyourpolicybeinginvalidandcouldmeanthatallorpartofaclaimmaynotbepaid.

Ifyouthinkyoumayhavegivenusanyincorrectanswers,orifyouwantanyhelp,pleasecallusassoonaspossibleandwewillbeabletotellyouifwecanstillofferyoucover.

Contracts (Rights of Third Parties) Act 1999We,theinsurerandyoudonotintendanytermofthiscontracttobeenforceablebyanythirdpartypursuanttotheContracts(RightsofThirdParties)Act1999.

Data protection noticeWecareaboutyourpersonaldata.ThissummaryandourfullprivacynoticeexplainhowAllianzGlobalAssistanceprotectsyourprivacyandusesyourpersonaldata.Ourfullprivacynoticeishere:www.allianz-assistance.co.uk/privacy-notice/Ifaprintedversionisrequired,pleasewritetousatLegalandComplianceDepartment,AllianzGlobalAssistance,102GeorgeStreet,Croydon,CR96HD.

How will we obtain and use your personal data?Wewillcollectyourpersonaldatafromavarietyofsourcesincluding:• Datathatyouprovidetous;and• Datathatmaybeprovidedaboutyoufromcertainthird

partiessuchasthemanufacturerofyourvehicleandtheirfranchiseddealersandauthorisedrepairers.

Wewillcollectandprocessyourpersonaldatainordertocomplywithourcontractualobligationsand/orforthepurposesofourlegitimateinterestsincluding:• Enteringintooradministeringcontractswithyou;• Informingyouofproductsandserviceswhichmaybe

ofinteresttoyou.

Who will have access to your personal data?Wemayshareyourpersonaldata:• Withpublicauthorities,otherAllianzGroupcompanies,

industrygoverningbodies,regulators,fraudpreventionagenciesandclaimsdatabases,forunderwritingandfraudpreventionpurposes;

• Withotherserviceproviderswhoperformbusinessoperationsonourbehalf;

• Organisationswhowedealwithwhichprovidepartoftheservicetoyousuchasmotordealershipsandrecoveryoperators;

• Tomeetourlegalobligationsincludingprovidinginformationtotherelevantombudsmanifyoumakeacomplaintabouttheproductorservicethatwehaveprovidedtoyou.

Wewillnotshareinformationaboutyouwiththirdpartiesformarketingpurposesunlessyouhavespecificallygivenusyourconsenttodoso.

Policywording

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Important information Continued

How long do we keep your personal data?Wewillretainyourpersonaldataforamaximumofsevenyearsfromthedatetheinsurancerelationshipbetweenusends.Ifweareabletodosowewilldeleteoranonymisecertainareasofyourpersonaldataassoonasthatinformationisnolongerrequiredforthepurposesforwhichitwasobtained.

Where will your personal data be processed?YourpersonaldatamaybeprocessedbothinsideandoutsidetheEuropeanEconomicArea(EEA).WheneverwetransferyourpersonaldataoutsidetheEEAtootherAllianzGroupcompanies,wewilldosoonthebasisofAllianz’sapprovedbindingcorporaterules(BCR).WhereAllianz’sBCRdonotapply,wetakestepstoensurethatpersonaldatatransfersoutsidetheEEAreceiveanadequatelevelofprotection.

What are your rights in respect of your personal data?Youhavecertainrightsinrespectofyourpersonaldata.Youcan:• Requestaccesstoitandlearnmoreabouthowitis

processedandshared;• Requestthatwerestrictanyprocessingconcerning

you,orwithdrawyourconsentwhereyoupreviouslyprovidedthis;

• Requestthatwestopprocessingit,includingfordirectmarketingpurposes;

• Requestthatweupdateitordeleteitfromourrecords;• Requestthatweprovideittoyouoranewinsurer;and• Tofileacomplaint.

Automated decision making, including profilingWecarryoutautomateddecisionmakingand/orprofilingwhennecessary.

How can you contact us?Ifyouwouldlikeacopyoftheinformationthatweholdaboutyouorifyouhaveanyqueriesabouthowweuseyourpersonaldata,youcancontactusasfollows:Bypost:DataProtectionOfficer,AWPAssistanceUKLtd,102GeorgeStreet,Croydon,CR96HDBytelephone:02086039853Byemail:AzPUKDP@allianz.com

Financial Services Compensation Scheme (FSCS) Foryouraddedprotection,theinsureriscoveredbytheFSCS.Youmaybeentitledtocompensationfromtheschemeiftheinsurercannotmeetitsobligations.Thisdependsonthetypeofbusinessandthecircumstancesoftheclaim.

Insurancecoverprovidesprotectionfor90%oftheclaim,withnoupperlimit.

FurtherinformationaboutthecompensationschemearrangementsisavailablefromtheFSCS,telephonenumber0800 678 1100 or 020 7741 4100,orbyvisitingtheirwebsiteatwww.fscs.org.uk.

Governing law Unlessagreedotherwise,EnglishlawwillapplyandallcommunicationsanddocumentationinrelationtothispolicywillbeinEnglish.Intheeventofadisputeconcerningthispolicy,Englishcourtsshallhaveexclusivejurisdiction.

Policywording

Making a complaintWeaimtoprovideyouwithafirstclasspolicyandservice.However,theremaybetimeswhenyou feelwehavenotdoneso.Ifthisisthecase,pleasetellusaboutitsothat wecandoourbesttosolvetheproblem.Ifyoumakeacomplaintyourlegalrightswillnotbeaffected.

Inthefirstinstance,please:Writeto: CustomerSupport,AllianzGlobalAssistance,102GeorgeStreet,Croydon,CR96HD.Telephone: 02086039853Email: customersupport@allianz-assistance.co.ukPleasesupplyuswithyourname,address,policynumberandclaimnumberwhereapplicableandenclosecopiesofrelevantcorrespondenceasthiswillhelpustodealwithyourcomplaint,intheshortestpossibletime.

Ifyouarenotsatisfiedwithour finalresponseyoucanreferthemattertotheUKFinancialOmbudsmanServiceforindependentarbitration.Visit: www.financial-ombudsman.org.ukWriteto: FinancialOmbudsmanService,ExchangeTower,LondonE149SRTelephone: 0345 080 1800Email: complaint.info@financial-ombudsman.org.uk

DefinitionsWhenthefollowingwordsandphrasesappearinthepolicydocument,theyhavethemeaningsgivenbelow.Thesewordsarehighlightedbytheuseofboldprint.Area of coverYouwillnotbecoveredifyoutraveloutsidetheareashownonyourconfirmationemail.• Bronze, Silver and Gold cover:

UKonly.• Gold Plus European cover:

UKand Europe.

Beneficiary, beneficiary’s, beneficiaries Youoranyotherdriverofthevehicleusingthevehiclewithyourpermissionandanypassengerofthevehicleatthemomentabreakdownoccurs.

Breakdown Theimmobilisationofthevehicleasaresultof:• electricalormechanicalbreakdown;or• puncturestothetyres;or• lackoffuel;or• vehiclefireortheft.ForGoldcoverandGoldPlusEuropeancover,thisalsoincludes:• loss,theftorbreakageofvehiclekeys;or• incorrectfuellingorcontaminatedfuel.

Confirmation email Theemailsentconfirmingyourpolicynumber,vehicledetails,period of coverandlevelofcoverthatapplies.Europe Andorra,Austria,Belgium,Bulgaria,Cyprus,CzechRepublic,Denmark,Estonia,Finland,France,Germany,Gibraltar,Greece,Hungary,Ireland,Italy,Latvia,Liechtenstein,Lithuania,Luxembourg,Malta,Monaco,Netherlands,Norway,Poland,Portugal,Romania,SanMarino,Slovakia,Slovenia,Spain,Sweden,SwitzerlandandtheVaticanCity.

Home YourusualplaceofresidenceintheUK.

Insurer AWPP&CSA.

Period of cover The12monthperiodshowninyourmostrecentconfirmation email,duringwhichcoverapplies.

Private individualApersonwhoisusingthevehiclefortheirownpersonaluseandwhoisnotamotortrader,garage,businessorindividualdealinginthebuyingandsellingorrepairofmotorvehicles.

UKEngland,Scotland,Wales,NorthernIreland,theChannelIslandsandtheIsleofMan.

VehicleTheprivatevehicleinwhichyouaretravelling,providingitisnot:• apassengercarthatexceeds15yearsinageforBronze,

SilverandGoldcover;or• apassengercarthatexceeds10yearsinageforGold

PlusEuropeancover;or• alightcommercialvehicle(van)thatexceeds10years

inageforBronze,SilverorGoldcover(GoldPlusEuropeancoverisnotavailableforlightcommercialvehicles).

Itmustalsonotexceed:• 3,500kginweight(includingload);or• 7metresinlength;or• 3.0metresinheight;or• 2.3metresinwidth.Wewillalsorecoveranycaravanortrailerthatyouaretowing(providingitdoesnotexceedtheabovedimensions).Motorhomesarenotcovered.

We, Our, Us AWPAssistanceUKLtdtradingasAllianzGlobalAssistancewhoadministertheinsuranceandhandleclaimsonbehalfoftheinsurer.

You, your Theprivate individualnamedontheconfirmation email asthepolicyholder.

6Policywording

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Thetablebelowshowsthebenefitsavailableundereachlevelofcover.Yourconfirmation emailwillshowthelevelofcoverthatapplies.

*arrangingassistanceonly-seebelow

Roadside assistanceIntheeventofbreakdownmorethan1milefromyourhomeaddress,wewillarrangeandpaytoattendthevehicletoeffectrepairs.Wewillpayforuptoamaximum60minuteslabour.Ifweareunabletoeffectrepairsorrepairswilltakelongerthan60minutes,wewillarrangeandpayforlocalrecovery.

Local recoveryIfthevehiclecannotberepairedorremobilisedfollowingourRoadsideassistanceor,whenapplicable,Homeassistance,wewillarrangeandpayforthecostsoftakingthevehicle,youanduptosevenbeneficiariestothenearestsuitablegaragewithina25mileradius.Ifyourcaravanortrailerhasabreakdown,wecanarrangeforittoberecovered,butyouwillberesponsibleforthecosts.

Home assistanceIntheeventofbreakdowneitheratyour homeaddressorlessthan1milefromyourhomeaddress,wewillarrangeandpaytoattendthevehicletoeffectrepairs.Wewillpayforuptoamaximum60minuteslabour.Ifweareunabletoeffectrepairsorrepairswilltakelongerthan60minutes,wewillarrangeandpayforlocalrecovery.

National recoveryIntheeventofbreakdownintheUKcausingittobeimmobilisedforaperiodofmorethan4hours,andsubjecttoushavingfirstarrangedassistancewewillarrangeandpayforthecostsoftakingthevehicle,youanduptosevenbeneficiariestoberecoveredtoanywhereintheUK.Ifyourcaravanortrailerhasabreakdown,wecanarrangeforittoberecovered,butyouwillberesponsibleforthecosts.

Onward travelIntheeventofbreakdownofthevehicleintheUKcausingittobeimmobilisedforaperiodofmorethan4hours,wewillarrangeandpayforthefollowing:•Standardclassrailtransport,orequivalentcostsofmore

convenienttravel,toenablethebeneficiariestoreturnorcontinuetoanydestinationofthebeneficiaries’choicewithintheUK; or

•Overnightaccommodation(onabedandbreakfastbasis),upto£75includingVATperbeneficiaryandupto£300intotal.Overnightaccommodationonlyappliesifthebreakdownofthevehicleoccursmorethan50milesfromyour homeaddressandonlywhenthebeneficiarieshavetoprolongtheirstayasadirectresultofthecoveredbreakdown;or

•Acourtesycarwhilethevehicleremainsimmobiliseduptoamaximumof2days(wherepossibleanequivalentvehiclewillbeprovideduptoGroupC).Pleasenotethecostofanypersonalaccidentinsuranceisnotcovered.

Youmustbeabletosatisfytherequirementsofthevehiclehirecompanyandyouwillberesponsibleforfuelandotherancillarycharges.Thereplacementvehiclewillnormallybeapassengercarandwillnotnecessarilybeanequivalenttothevehicle.Thecourtesycarwillonlybeprovidedwherewehavearrangedtherecoveryofthevehicletoanauthorisedrepairer.

Vehicle collectionWewillpaythestandardclassrailtransport,orequivalentcostsofmoreconvenienttravelcostsforonebeneficiarytotravelfromtheUKtocollectthevehicleandbringitbacktoyour home.

Incorrect fuelIfyourvehicle isaccidentallyfilledwithincorrectorcontaminatedfuel,wewill:• arrangeforthevehicletoberecoveredtothenearest

suitablegarage;or• ifavailable,arrange(butnotpayfor)amobilefuelunitto

carryouttheworkneededtoremobiliseyour vehicle.

Lost keysIfthekeystoyourvehicle arelost,stolenordamagedwewill:• arrangeforthevehicletoberecoveredtothenearest

suitablelocksmith;or• ifavailable,arrange(butnotpayfor)foramobile

locksmithtoattendthevehicle.

NoteAdverseweatherconditionssuchashighwinds,snow,iceorfloodscanmakeitimpracticableforustoprovideournormalassistanceservices.Inthisevent,ourimmediatepriorityistoensurethatyouandthebeneficiariestravellingwithyouaretakentoaplaceofsafety,meaningthatitmaybenecessaryforustoattendtothevehiclelater.

Motor Breakdown Cover (UK benefits)

Benefit Bronze Silver Gold Gold Plus European

Roadside assistance 4 4 4 4

Local recovery 4 4 4 4

Home assistance 8 4 4 4

National recovery 8 8 4 4

Onward travel 8 8 4 4

Vehicle collection 8 8 4 4

*Incorrect fuel 8 8 4 4

*Lost keys 8 8 4 4

Policywording

Motor Breakdown Cover (European benefits)ThefollowingbenefitsareonlyavailableunderGoldPlusEuropeancover.Yourconfirmation emailwillshowthelevelofcoverthatapplies.TripstoEuropemustnotlastlongerthan31daysandtravelmustnotexceed90daysintotalduringtheperiod of cover.

European roadside assistanceIntheeventofbreakdowninEurope,wewillarrangeandpaytoattendthevehicletoeffectrepairs.Wewillpayforuptoamaximum60minuteslabour.Ifweareunabletoeffectrepairsorrepairswilltakelongerthan60minutes,wewillarrangeandpayforrecoverytothenearestsuitablegarage.

European recovery of your vehicleIfthevehiclecannotberepairedorremobilisedfollowingourRoadsideassistance,wewillarrangeandpayforthecostsoftakingthevehicletothenearestsuitablegarage.Ifyourcaravanortrailerhasabreakdown,wecanarrangeforittoberecovered,butyouwillberesponsibleforthecosts.

European onward travelIntheeventofbreakdowninEuropecausingittobeimmobilisedforaperiodofmorethan8hours,wewillarrangeandpayforthefollowing:

•Standardclasspublictransport,orequivalentcostsofmoreconvenienttravel,toenablethebeneficiariestocontinuetotheiroriginaldestinationinEurope upto£750;or

•Overnightaccommodation(onabedandbreakfastbasis),upto£75perbeneficiarypernight.Themaximumpayableunderthisbenefitis£750;or

•Acourtesycarwhilethevehicleremainsimmobiliseduptoamaximumof£750(wherepossibleanequivalentvehiclewillbeprovideduptoGroupC).Pleasenote:- Thecostofanypersonalaccidentinsuranceisnot

covered.- Youmustbeabletosatisfytherequirementsofthe

vehiclehirecompanyandyouwillberesponsibleforfuelandotherancillarycharges.Thecourtesycarwillnormallybeapassengercarandnotnecessarilybeanequivalenttothevehicle.

- Thecourtesycarwillonlybeprovidedifwehavearrangedtherecoveryofthevehicletoanauthorisedrepairer.

European vehicle repatriationIfyour vehiclerepairscannotbecompletedbeforeyourscheduledreturndatetotheUK,wewillarrangeandpayfortherepatriationofyour vehicletothenearestsuitablerepairer.Themaximumamountpayablewillnotexceedthemarketvalueofyour vehicleintheUK.

European vehicle collectionWewillpayupto£600intotalforreasonabletravelcostsforonebeneficiarytotravelfromtheUKtocollectthevehicleandbringitbacktoyour home.

European vehicle storageWewillpayupto£100intotalforthecostofstoringthevehicleaftertherepairhasbeencarriedout,untilitcanbecollectedorreturnedtotheUK.

European parts deliveryIfwehavearrangedtotakethevehicletoanauthorisedrepairerforrepairsandanypartsessentialtotherunningofthevehiclearenotavailablelocally,we willarrangeandpayforthedespatchofsuchpartstotherepairer.

European caravans and trailersIfthevehicleisimmobilisedduetoacoveredbreakdownwhentowingacaravanortrailer,wewillarrangeforyourcaravanortrailertobetakenneartotherepairer.Wewillnothoweverbeliableforanygoods,possessionsorlivestockbeingtransported.

Incorrect fuelIfyourvehicle isaccidentallyfilledwithincorrectorcontaminatedfuel,wewill:• arrangeforthevehicletoberecoveredtothenearest

suitablegarage;or• ifavailable,arrange(butnotpayfor)amobilefuelunitto

carryouttheworkneededtoremobiliseyour vehicle.

Lost keysIfthekeystoyourvehicle arelost,wewill:• arrangeforthevehicletoberecoveredtothenearest

suitablelocksmith;or• ifavailable,arrange(butnotpayfor)foramobile

locksmithtoattendthevehicle.

Loss or damage to your tentIfasaresultofabreakdownin Europe yourtentislostordamagedandcannolongerbeusedasyourmainovernightaccommodation,wewill:• paythecosttohireanequivalenttent;or• arrangeandpayforovernightaccommodation(onabed

andbreakfastbasis),upto£75perbeneficiary.Themaximumpayableunderthisbenefitis£300.

8Policywording

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NoteAdverseweatherconditionssuchashighwinds,snow,iceorfloodscanmakeitimpracticableforustoprovideournormalassistanceservices.Inthisevent,ourimmediatepriorityistoensurethatyouandthebeneficiariestravellingwithyouaretakentoaplaceofsafety,meaningthatitmaybenecessaryforustoattendtothevehiclelater.

Motor Breakdown Cover (European benefits) Continued

Conditions

Courtesy car on return to the UKIffollowingabreakdownin Europe, vehiclerepairscannotbecompletedbeforeyoureturntotheUK,wewillarrangeandpayfor:

Acourtesycarforupto3dayswhilethevehiclecontinuestoberepaired(wherepossibleanequivalentvehiclewillbeprovideduptoGroupC).Pleasenote:• Thecostofanypersonalaccidentinsuranceisnot

covered.• Youmustbeabletosatisfytherequirementsofthe

vehiclehirecompanyandyouwillberesponsibleforfuelandotherancillarycharges.Thecourtesycarwillnormallybeapassengercarandnotnecessarilybeanequivalenttothevehicle.

• Thecourtesycarwillonlybeprovidedifwehavearrangedtherecoveryofthevehicletoanauthorisedrepairer.

No qualified driver availableIftheonlyqualifieddriverofthevehicle isdeclaredmedicallyunfittodriveortheyhavetoreturntotheUKearlybecauseofdeath,seriousinjuryorsuddenillnessofanimmediaterelative,wewill:• arrangeforareplacementdriver;or• arrangefortherepatriationofyour vehicle totheUK.

Wewillneedamedicalcertificate,completedbyadoctor,confirmingthedeath,injuryorillnessandthattravelhadnothavebeenmadeagainstmedicaladvice.

Repatriation of beneficiariesIfyour vehiclerepairscannotbecompletedbeforeyourscheduledreturntotheUK,wewillpaythereasonablecoststotransportallbeneficiariesandtheirluggagetotheirhomeaddress.Themaximumpayableunderthisbenefitis£1,000.

Thefollowingconditionsapplytothewholeofyourpolicy.

Pleasereadthesecarefullyaswecanonlypayyourclaimifyoumeetthese:1 Youtakereasonablecaretoprotectthevehicleagainst

breakdownandactasifyouarenotinsuredandtominimiseanypotentialclaim.

2 Youhaveavalidconfirmation email.3 Youcontactusassoonaspossiblefollowinga

breakdownandgiveusalltheinformationweaskfor.Pleasesee‘Callingforassistance/policyenquiries’onpage9formoreinformation.

4 Youacceptthatnoalterationstothetermsandconditionsofthepolicy,unlessweconfirmtheminwritingtoyou.

We have the right to do the following1 Cancelthepolicyandinvalidateallbenefitsunderitifyou:

• tellus somethingthatisnottrue,whichinfluencesourdecisionastowhethercovercanbeofferedornot;

• makeaclaimthatisfalseordishonestinanyway.Intheseinstanceswemayreportthemattertothepolice.

2 Examinethevehicleandtestdamageparts.3 Takeoveranddealwith,inyourname,anyclaimyou

makeunderthispolicy.4 Takelegalactioninyourname(butatourexpense)

andaskyoutogiveusdetailsandfillinanyforms,whichwillhelpustorecoveranypaymentwehavemadeunderthispolicy.

5 Nottopayanyclaimonthispolicyforanyamountscoveredbyanotherinsuranceorbyanyoneoranywhereelse,forexampleanyamounts youcangetbackfrommotorinsureroranyotherclaimamountrecoveredbyyou.Inthesecircumstanceswewillonlypayour shareoftheclaim.

6 Askyoutopayusbackanyamountsthatwehavepaidtoyouwhicharenotcoveredbythispolicy.

Policywording

ExclusionsThefollowingexclusionsapplytothewholeofyour policy:

Wewillnotassistorreimburseyouorbeneficiariesintheeventofacallforassistanceorclaimcausedby,arisingfromorinconnectionwiththefollowing:

1 Wewillnotpayforanyloss,theft,damage,death,bodilyinjury,costorexpensethatisnotdirectlyassociatedwiththeincidentthatcausedyoutoclaim,unlessexpresslystatedinthispolicy.

2 Ionisingradiationorradioactivecontaminationfromanynuclearfuelorthenuclearwastearisingfromburningnuclearfuel.

3 Radioactive,toxic,explosiveorotherdangerouspropertiesofanyexplosivenuclearequipmentornuclearpartofthatequipment.

4 War,invasion,actsofforeignenemies,terrorism,hostilities(whetherwarbedeclaredornot),civilwar,rebellion,revolution,insurrection,militaryorusurpedpower,riotorcivilcommotion.

5 Pressurewavescausedbyaircraftandotheraerialdevicestravellingatsonicorsupersonicspeeds.

6 Anycostscoveredunderanyotherwarranty,guarantee,insuranceorcover.

7 Accidentorinjuryeitherthroughdeliberatenon-observanceofthelawsofthelandinwhichthebeneficiaryistravellingorthepracticeofactivitiesnotauthorisedbythelocalauthorities.

8 Thecostofreplacementparts.9 Damageorinjuryintentionallycausedbyyouora

beneficiaryorresultingfromparticipationinacriminalactoroffence.

10 Thebeneficiary/beneficiariesoranyotherthirdpartyorganisinganyoftheservicesdetailedinthispolicywithoutfirsthavingauthorisationfromusandafilenumber.

11 Anycoststhatwouldhavebeenpayablenormallybyyouorthebeneficiaries,suchasfuel,congestionortollcharges.

12 Chargesforspecialistrecoveryorchargesincurredbyuswherethevehicleisnotbeingusedonapublichighwayorwhenthebreakdownoccurredwherethevehiclewasnotaccessibleusingourstandardrecoveryequipment.

13 Breakdownwhichhappensoutsidethearea of cover.14 Faultyrepairs,incorrectservicingorfailureto

havethevehicleservicedinaccordancewiththemanufacturer’sspecification.

15 Vehiclesmodifiedinanywayfromtheoriginalmanufacturer’sspecification.

16 Anycostsincurredafterthevehiclehasbeenrepairedandisavailabletobedriven.

17 Anysundryexpensesresultingfromanincidentclaimedforunderthissection,forexampletelephoneormobilephonecalls,faxes,foodanddrink.

18 Younotansweringaccuratelyanyquestion(s)wehaveaskedyouatthetimeofbuyingthispolicy,whereyouranswer(s)mayhaveaffectedourdecisiontoprovideyouwiththispolicy.

10Policywording

Thispolicydocumentisavailableinlargeprint,audioorBraille.Pleasephone0345 600 2385 or 020 8603 9926.

Wewillbepleasedtoorganisedanalternativeversionforyou.

Ref:

6565

COR

05/1

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Calling for assistance / policy enquiries

AllianzGlobalAssistanceMotorBreakdownCoverisunderwrittenbyAWPP&CSAandadministeredintheUKbyAllianzGlobalAssistance.

AllianzGlobalAssistanceisatradingnameofAWPAssistanceUKLtd,102GeorgeStreet,Croydon,CR96HD.

AWPAssistanceUKLtdisauthorisedandregulatedbytheFinancialConductAuthority.

AWPP&CSAisdulyauthorisedinFranceandtheUnitedKingdom,andsubjecttolimitedregulationbythePrudentialRegulationAuthorityandtheFinancialConductAuthority.

AllianzGlobalAssistanceactsasanagentforAWPP&CSAforthereceiptofcustomermoney,settlingclaimsandhandlingpremiumrefunds.

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For Customer service call 0345 600 2385 or 020 8603 9926 (linesopen9am-5pmMonday-Friday)

For Assistance call 0800 777107 or 020 8603 9407 (linesopen24hours,7daysaweek)

Pleasehavethefollowingdetailstohandbeforecallingforbreakdownassistance:• locationofvehicle;• registrationnumberofyour vehicle;• contacttelephonenumber;• descriptionofproblem.

Callsmayberecorded.