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Gold: Roadside Assistance, Home Start and Nationwide Recovery


Definition of area of Home Start and National cover

These policies will cover you when you are travelling anywhere in the United Kingdom for Roadside Assistance, National Recovery and Home start service.

The United Kingdom is defined as England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

 

What is covered


Roadside assistance

In the event of breakdown more than 1 mile from your home address, we will organise and pay to attend the vehicle in order to effect repairs. We will pay for up to a maximum 30 minutes labour. If we are unable to effect repairs or repairs, we will arrange and pay for local recovery.

 

Homestart assistance

In the event of breakdown either at your home address or less than a mile from your home address, we will organise and pay to attend the vehicle for up to a maximum of 30 minutes in order to effect repairs. If we are unable to effect repairs or repairs will take longer than 30 minutes, we will arrange and pay for local recovery.

 

Local recovery

In the event that the vehicle cannot be repaired or remobilised following our roadside assistance, we will arrange and pay for the costs of taking the vehicle, including motor homes up to 7m long and 3m high, 2.3m wide, any caravan or trailer, and the driver and up to 7 passengers to the nearest suitable garage within a 25 mile radius.

 

National recovery

In the event of breakdown in the UK causing it to be immobilised for a period of more than 4 hours, and subject to us having first provided assistance we will organise and pay for you and up to 7 beneficiaries to be recovered to anywhere in the UK. The above recovery service will be also be available should you be taken ill and you cannot continue your journey due to there being no other beneficiaries who can drive the vehicle.

 

Onward travel

In the event of breakdown of the vehicle in the UK causing it to be immobilised for a period of more than 4 hours, we will organise and pay for the following:

* Rail transport, or equivalent costs of more convenient travel, to enable the beneficiaries to return or continue to any destination of the passengers’ choice within the UK; or

* Overnight hotel, bed and breakfast accommodation, up to £75 including VAT per passenger and up to £250 in total. Overnight hotel accommodation only applies if the breakdown of the vehicle occurs more than 50 miles from the home address of any of the beneficiaries and only when the beneficiaries have to prolong their stay as a direct result of the covered breakdown; or

* Temporary replacement vehicle during the time that the vehicle remains immobilised up to a maximum of 2 days (where possible an equivalent vehicle, up to Group C, will be provided up to a maximum of £50 per day). Please note the cost of any personal accident insurance is not covered. You must be able to satisfy the requirements of the vehicle hire company and you will be responsible for fuel and other ancillary charges. The replacement vehicle will normally be a passenger car and will not necessarily be an equivalent to the vehicle. The temporary replacement vehicle will only be provided where we have arranged the recovery of the vehicle to an authorised repairer.

 

Message relay service

We will pass on urgent messages to your family, business or friends if your journey has been delayed due to the breakdown/immobilisation of the vehicle.

 

 
 

Important

Do you use your vehicle to travel to Europe? Have a look at our Local, National, Homestart & EU policy

 
 

 


Please also refer to the general conditions and general exclusions applying to all sections.

Compare levels of cover

 

Image sourced from Google: Labelled for reuse with modification.