European Motor Breakdown POLICY WORDING HELPFUL INFORMATION Estate cars/hatchbacks and 4x4 vehicles Cost of repairs Please note that possessions must be left out of While Your Policy may include an element towards sight. If Your luggage compartment does not have emergency labour charges, the cost of Replacement a tray or blind to conceal items, they may not be Parts and labour in carrying out major repair or covered under Your Policy. replacement are not covered by most motoring breakdown policies including Ours. This also applies Hire cars to Our Homecall Referral Service where callout, The provision and class of hire cars is always subject parts, materials and labour are not covered. Please to their availability. Most hire car companies will read Your policy carefully so that You know what is not hire vehicles to drivers under the age of 21. and is not covered. You will be asked to produce Your driving licence (photocopies not accepted) and a credit or debit Standard of workmanship card at the time You collect the hire vehicle. Aria Assistance will monitor the progress of Your assistance but cannot be responsible for the repair You will remain responsible for paying all tolls, work provided by a garage, dealer or tradesman. congestion charges, parking and speeding fines You incur while You are in charge of a hire car, and also Medical repatriation when You park it at the end of the hire period. You Please note that emergency repatriation is subject will also be responsible for any damage to the hire to agreement between the treating doctor and Our car and any excess imposed by the hire car provider. Medical Officer that this is medically necessary. Motorway recoveries Look after yourself and Your possessions In the UK and in many other European countries the You are expected to take care not to place yourself or recovery of vehicles from motorways and motorway Your possessions in any situation which may cause service areas is strictly controlled by the Police. a loss. For example, luggage should not be left When calling for assistance from the hard shoulder Unattended. There are also restrictions regarding always use the roadside emergency telephones items left in a vehicle overnight. as these aid the operator to pinpoint Your exact position. Advise the Police that You have breakdown cover provided by Aria Assistance. They will call out a breakdown vehicle to recover You to a garage from where You can call Aria Assistance using a public telephone or Your mobile. It is unlikely that roadside repairs will be attempted for safety reasons. PLEASE MAKE SURE YOU READ THIS POLICY CAREFULLY INTRODUCTION TO YOUR POLICY This policy document provides You with the terms, unless You have paid the appropriate additional conditions and exclusions of the insurance cover, premium. Conditions and exclusions will apply to together with information that will help You in individual Sections of Your policy while general the event of an emergency. The policy contains exclusions, conditions and notes will apply to the different levels of cover, some of which do not apply whole of Your policy. Please read this document and Your Certificate very carefully to ensure You understand the extent of the cover and assistance services, exactly what is and is not covered, the conditions of cover, and that this meets Your requirements. Cooling Off Period: Unless Your Trip will be completed within 1 month of buying this insurance, You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to You any premium You have paid and will recover from You any payments We have made. PLEASE KEEP THIS DOCUMENT IN A SAFE PLACE AND TAKE IT WITH YOU WHEN YOU TRAVEL IN CASE YOU NEED ASSISTANCE OR NEED TO MAKE A CLAIM. IF YOU HAVE ANY QUESTIONS OR ARE IN ANY DOUBT ABOUT THE COVER PROVIDED PLEASE CALL OUR TRAVEL HELPLINE ON: 0844 338 5533. CONTENTS Section Page Section Page Your European Motor Breakdown Policy . 2 OPTIONAL PERSONAL TRAVEL COVER Summary of Cover . 3 12 Personal Assistance Services . .18 Important Notes . 4 13 Medical Emergency & Repatriation . 19 Important Vehicle Health Check . 6 14 Emergency Dental Treatment . 20 Important Health Requirements . 6 15 Additional Accommodation Emergency Assistance . 7 & Travelling Costs . .21 Reciprocal Health Agreements . .8 16 Hospital Daily Benefit . .21 Meaning of Words . .. .8 17 Cancellation, Curtailment & Trip Interruption .22 Upgrades . .12 18 Travel Delay . .24 19 Missed Departure on the Outward Journey 25 20 Personal Luggage . .25 BREAKDOWN COVER 21 Money & Passport . 27 1 Cover Prior to Departure . 12 22 Personal Liability . .27 2 Roadside Assistance . 13 23 Personal Accident . .28 3 Missed Motorail Connection . 13 24 Pet Travel Cover . 28 4 Replacement Parts Despatch . 14 25-29 Optional Winter Sports Cover . 30 5 Break-In Emergency Repairs . 14 30 Special Sports & Activities Cover . .32 6 Vehicle Out of Use . .15 31-32 Home Country Cover . 34 7 Camping Trips . 15 General Conditions – applying to all Sections . 34 8 Alternative Driver . .16 General Exclusions – applying to all Sections . 37 9 Repatriation . .16 Making a Claim . 40 10 Legal Protection . .17 Customer Satisfaction . 40 11 Customs Regulations . .18 Cancellation Provisions . 41 Data Protection Act . .41 Travel Checklist . .42 Contact Numbers & Requesting Assistance . 43 1 YOUR ARIA ASSISTANCE EUROPEAN MOTOR BREAKDOWN POLICY We will provide the services and benefits described All benefits under this policy are underwritten by in this policy: Great Lakes, Reinsurance (UK) PLC, Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. • during the Period of Insurance This policy is effected in England and is subject • for the Insured Vehicle to the Laws of England and Wales. Aria Insurance • within the Geographical Limits Services Limited is authorised and regulated • subject to the Limits of Cover, and all other by the Financial Conduct Authority. Great Lakes terms, conditions and exclusions contained in Reinsurance (UK) PLC is authorised by the this policy Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential • to persons who habitually reside in the UK Area Regulation Authority. (i.e. have their main Home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy), the Channel Islands or the Isle of Man. • following payment of the appropriate premium for the level of cover selected. You should read these documents carefully. If You are unsure whether something is covered or excluded, please contact Our Customer Services Department on 01444 442442. 2 SUMMARY OF COVER Cover Limits of Cover Excess Excess (per person unless otherwise shown) Roadside Assistance – if Your vehicle is immobilised abroad • Call-out and towing to local repairer Necessary costs Nil • Roadside labour charges £100 per Trip Car Hire – If Your vehicle is immobilised or stolen £1,500 per policy Nil Vehicle & Passenger Repatriation – if Your vehicle Current UK market value of Nil is rendered unroadworthy or stolen during a Trip Insured Vehicle Legal Protection £50,000 per policy Nil Personal Assistance Services £250 per Trip Nil Medical Emergency & Repatriation £5,000,000 £35 Emergency Dental Treatment £250 £35 Additional Accommodation & Travelling Costs £750 per Trip Nil Hospital Daily Benefit £25 per complete day of inpatient Nil treatment: up to £250 Cancellation, Curtailment & Trip Interruption £3,000 £35 Travel Delay £20 for the first full 12 hour delay Nil then £10 for each subsequent full 8 hours: maximum £100 Missed Departure on the Outward Journey £250 Nil Personal Luggage £1,500 £35 • Single article, or Pair or Set of articles £300 £35 • Valuables £300 £35 Money & Passport £500 £35 • Cash £250 £35 Personal Liability £2,000,000 per policy £35 Personal Accident • Death £15,000 Nil • Loss of one or more Limbs, or total £30,000 Nil and irrecoverable Loss of Sight in one or both eyes • Permanent Total Disablement £30,000 Nil Pet Travel Cover Various £50/£35 Optional Winter Sports Cover Nil • Skis, ski equipment £500 £35 • Ski pass £250 £35 • Ski equipment delay £15 per day up to a maximum of £300 Nil • Piste closure £20 per day up to a maximum of £200 Nil • Avalanche or landslide £30 per day up to a maximum of £150 Nil Home Country Cover • UK Medical Transfer Necessary costs Nil • Additional Accommodation Costs £750 per Trip Nil 3 IMPORTANT NOTES We would like to draw Your attention to important • Age Limits: This policy has certain maximum features of Your policy including: age limits that apply at the commencement • Emergency Medical Expenses: This policy is NOT of the Period of Insurance. Breakdown Cover a Private Medical Insurance policy, and does not (sections 1-11) – Your vehicle must be under provide cover for procedures that can be carried the age of 16 years Optional Personal Travel out in Your Home Country after repatriation or Cover (sections 12-32) – Each Insured Person for any medical expenses incurred in private must be under the age of 80 years Optional facilities if a medically suitable State facility is Winter Sports Cover (sections 25-29) – Each available. This policy does not provide cover Insured Person must be under the age of for private medical expenses when You are 65 years. hospitalised in a state run hospital or clinic • Trip Limits: This policy contains strict limits on where EU residents have a right to state the length of time You can spend travelling provided emergency treatment. abroad on each Trip. Please refer to the • Health: This policy contains restrictions definition of ‘Trip’ in the Meanings of Words. IF regarding Pre-existing Medical Conditions which YOU TRAVEL FOR MORE THAN THE NUMBER OF unless declared and accepted by Us in writing DAYS FOR WHICH YOU HAVE PAID FOR COVER, prior to travel may invalidate any subsequent YOU WILL NOT BE COVERED AFTER THE LAST claim.