Your European Breakdown Policy Booklet
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Your European breakdown policy booklet RIV 90836312.indd 1 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Contents Welcome to Churchill breakdown services 1 General exclusions applying to this policy 9 Easy index 2 General conditions applying to this policy 10 Your European breakdown policy 3 Your privacy 12 Definitions 4 Important information about your breakdown policy 14 Churchill European Rescue Services (CERS) 6 What to do if your vehicle Section 1 Cover prior to departure 6 breaks down 16 Section 2 Roadside assistance and towing 6 Membership cards on flap Section 3 Loss of use of vehicle 6 Useful phone numbers back cover Section 4 Returning your vehicle to the United Kingdom 7 Section 5 Providing a chauffeur to return you home 7 Section 6 Delivering spare parts 7 Section 7 Legal defence expenses 7 90836312.indd 1 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Welcome to Churchill European breakdown services Dear Customer Welcome to Churchill breakdown services, provided by Green Flag and underwritten by U K Insurance Limited (all companies are part of the same group). We are passionate about insurance, and determined to make sure that you receive outstanding customer service at all times. We will do our best to make sure that buying breakdown services from us is as easy and trouble-free as possible. We hope that you stay our customer for many years to come. Happy motoring 1 90836312.indd 1 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Easy index Breakdown Cover What do I do if my vehicle breaks down? phone Which breakdown service do I have? see your +44 345 301 5733 (Europe) European Breakdown cover Schedule Cancellation What cover does this provide? pages 6-8 How can I cancel my policy? page 15 Lost or broken keys Caravans and trailers What do I do? phone Are they covered? page 4 +44 345 301 5733 (Europe) Changes What do I do if I change my vehicle? phone 0345 603 3550 Complaints What do I do if I have a complaint? page 15 2 90836312.indd 2 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Your European breakdown policy U K Insurance Limited is the insurer of your European breakdown If you pay and we accept your premium, the services will be provided policy. Green Flag Motoring Assistance will provide the breakdown under the terms of this policy during the period of cover. We will share service to you on behalf of U K Insurance Limited. any information that you supply with their agents so they can check your cover and provide service. Your European breakdown policy is made up of: Under European law, we can agree which law applies to this contract l this policy booklet; and and how we communicate with you. English law will apply and we will l your European Breakdown cover Schedule. continue to supply information and communicate with you in English Any leaflets or similar literature you receive about breakdown do not unless we’ve agreed otherwise. form part of your policy. This booklet gives you details of the conditions of the breakdown Your policy is proof of the contract between you and us. It is based policy cover you have chosen. on the information given by you or for you when you applied for this Please read your European breakdown policy carefully and keep it in insurance. This information is shown on the European Breakdown a safe place. cover Schedule. You must take care to provide us with accurate information which is correct to the best of your knowledge. Failure to provide correct information or inform us of any changes could adversely affect your policy, including invalidating your policy or claims being rejected or not fully paid. 3 90836312.indd 3 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Definitions Wherever the following words and phrases appear in the rest of this Personal belongings – each of your suitcases or items of luggage, policy booklet they will have the meaning given here unless we say their contents and items designed for you to wear or carry. This different. includes your valuables but does not include items of furniture, camping equipment or winter sports equipment. Geographical limits – The countries of the zone for which you have paid the premium Premium – the amount of money you must pay for your cover. Zone 1 – France, Germany, Belgium, Luxembourg and the Netherlands. Strike – any form of industrial action taken by workers, carried out to prevent, restrict or otherwise interfere with producing goods or Zone 2 – Andorra, Austria, Balearics, Bulgaria, Canary Isles, Corsica, providing services. Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Malta, Underwriter – the company that has provided (underwritten) the Monaco, Norway, Poland, Portugal, Romania, San Marino, Sardinia, insurance cover under this policy. Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe Trip – A pre-booked journey abroad within the geographical limits plus Üsküdar. during the period of cover which begins and ends in the United Zone 3 – The Republic of Ireland and the Channel Islands. Kingdom. Zone 4 – Zones 1, 2 and 3 inclusive. United Kingdom (UK) – England, Scotland, Wales, Northern Ireland, the Isle of Man but excluding the Channel Islands. Home – the last address you told us about as your home or, if different, the place where you normally keep the vehicle. Vehicle – any vehicle we have agreed to cover as long as it: Incident – when the vehicle cannot be driven as a result of l is either a car, motorised caravan, light van, estate car, motorcycle breakdown, accident (but not a road traffic accident), theft or over 250cc or 4x4 off road vehicle, privately registered at the attempted theft, malicious damage, fire or attempted fire, flat tyre, policyholder’s UK address and less than 16 years of age; lack of fuel, flat battery, or lost or broken vehicle keys. l carries no more than the number of persons recommended by Insured person or people – you and any other person or people who, the manufacturer (and for whom seats are provided) with a at the time of the incident, are driving or riding as a passenger or maximum of 9 persons, including the driver; passengers in the vehicle with your permission. l does not exceed (including any load carried) the following gross Partner – someone you live with as if you are married. vehicle weight: 3.5 tonnes and external dimensions: 7 metres in length (excluding any coupling device and tow bar), 3 metres in Period of cover – the period from the date your cover starts to the height and 2.3 metres in width; end date shown on your breakdown cover schedule. 4 90836312.indd 4 3/27/18 9:23 PM Generated at: Tue Mar 27 21:29:48 2018 Definitionscontinued l is serviced as recommended by the manufacturer and it meets Vehicle registration document/V5 any legal requirements and driving laws that apply - for example, You will need to carry the original vehicle registration document when it may need to be taxed and have a valid MOT certificate. We can driving in Europe as proof that you are the owner of the vehicle. If this check these details when you ask us for help; is not available, you will need to take a letter of authority from the l is a caravan or trailer of standard make which is fitted with a owner and a Vehicle on Hire Certificate (VE103) instead. standard 50mm tow ball, falls within the size and weight limits Driving licence above and is being towed by the insured vehicle at the time of Car hire companies will want to see your original driving licence. the incident. The weight of the caravan or trailer must not be If you hold a photocard licence you will need to take the paper more than the kerb weight of the vehicle towing it; counterpart as well. In some countries you will need to take an l fits a standard 50 millimetre tow ball; International Driving Permit as well as your driving licence. This is not required in EU Member States. l does not weigh more than the kerb weight of your vehicle when loaded; and Credit card A credit card must be available if the car hire benefit is used as the car l is made by a company specialising in making caravans or trailers. hire company will need to swipe the card as security. We, us, our or Churchill – U K Insurance Limited or its agents (or both). European motorways and autoroutes You or your – the person named as the policyholder in your If you break down on a motorway or major public highway in certain Breakdown cover Schedule. parts of Europe (France, for instance), the emergency telephone number will be answered by the police. They will then send a local recovery vehicle out to you. As very few of these recovery agents have Important information about links with UK motoring organisations, you may have to pay for this driving in Europe assistance on the spot. If you do, keep all receipts and send them to us on your return to the UK, we will then reimburse you for recovery Mobile phones and roadside repairs (except spare parts). If the repair is made in a If you contact us from your mobile phone, your service provider may garage, the cost is not covered and you should pay the whole cost of charge you.