Motor Breakdown Cover operated by RAC.

Take to out this policy contact us on 01902 829190

Cost of policy £69.00

BROKER DIRECT ASSISTANCE POLICY SUMMARY
This policy summary is an important document which you should read and contains a summary of the BD Assistance cover afforded to you under your policy. It does not detail the full terms and conditions of the cover, which can be found in the policy.

POLICY PROVIDER
Roadside, Recovery and At Home products are provided by RAC Motoring Services. Onward Travel and European Motoring Assistance are underwritten by RAC Insurance Limited.

TYPE OF INSURANCE AND COVER
The cover you have purchased entitles you to the full range of services detailed below:-

SIGNIFICANT FEATURES AND BENEFITS
This section outlines the main features and benefits of cover:

Roadside
Roadside assistance ¼ mile or more away from your home address including a tow for up to 10 miles, taxi fares for up to 20 miles from the garage if your vehicle cannot be fixed
(receipt required).

Recovery
Roadside plus recovery for up to 8 people and your vehicle to any single destination within the UK.

At Home
Roadside plus breakdown assistance at your home or within ¼ mile of your home address.

Onward Travel
Replacement car for up to 1 day whilst your vehicle is fixed, or, if this is not possible, overnight accommodation or an alternative form of transport.

European Motoring Assistance
In the event of a breakdown of your vehicle (on its way to a destination, or) whilst abroad, your vehicle will be fixed at the roadside by a contractor or recovered to a local garage for repair or, if this is not possible, overnight accommodation or an alternative form of transport.

SIGNIFICANT AND UNUSUAL EXCLUSIONS, LIMITATIONS OR CONDITIONS
This section outlines the main exclusions, limitations and conditions of cover. Please also read the general exclusions to your cover on and the vehicle specifications to which cover is applicable.

Service in the UK
The following are not covered by this Policy:

Recovery, and At Home services are not available until 24 hours after commencement of the Policy.

• Replacing tyres or windows.
• Missing or broken keys. We will try to arrange the services of a locksmith but You will have to pay for them.
• The cost of ferry crossings and road toll charges.
• Contaminated fuel problems. We will arrange for You to be taken to a local garage for assistance, but You will have to pay for the work carried out.
• Labour at any garage to which the vehicle is taken.
• If You require a second or any other type of vehicle We will try to arrange this for You, You will have to pay for any additional costs.

Service while abroad

Service after return home

DURATION OF POLICY
Subject to your rights to cancel, the Policy will remain in force for 12 months from the date of commencement, which unless otherwise agreed is 12 months from the date of payment for this Policy.

YOUR RIGHT TO CANCEL
You have the right to cancel this policy within 14 days of commencement (or renewal) and receive a full refund. We reserve the right to make a charge to cover our costs if you have used the service during this period and then exercise your right to cancel. We will offset the cost of providing the service against any monies owed to you. The average cost for RAC providing roadside assistance only is £85.

To use the breakdown services call the following numbers as appropriate:

IF YOU HAVE A COMPLAINT
If you are unhappy with our service, please tell us so that we can try to put it right. Should RAC Motoring Services and/or RAC Insurance Limited to be unable to resolve your complaint satisfactorily, you may be able to refer your complaint to the Financial Ombudsman Service. Further details are contained in Your Policy Document.

FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
RAC Motoring Services (for insurance mediation activities only) and RAC Insurance Limited are covered by the FSCS. You may be entitled to compensation from the scheme if RAC Motoring Services and RAC Insurance Limited cannot meet their
obligations. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about compensation scheme arrangements is available FSCS or by visiting www.fscs.org.uk.

STATUS DISCLOSURE WORDING

DETAILS OF POLICY PROVIDERS
Certain of the benefits and services provided under Your Policy are insurance products as defined under the Financial Services and Markets Act 2000. Such benefits and services are provided by RAC Motoring Services, company registration number 1424399, whose registered office is at RAC House, 8 Surrey Street, Norwich, NR1 3NG and/or RAC Insurance Limited, company registration number 2355834, of the same address. RAC
Insurance Limited is regulated by the Financial Services Authority, under the jurisdiction of the Financial Services Compensation Scheme.

RAC Insurance Limited firm’s reference number is 202737.

Authorisation can be checked on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

RAC Motoring Services (in respect of insurance mediation activities only) is authorised and regulated by the Financial Services Authority and within the jurisdiction of the Financial Ombudsman Service and Financial Services Compensation Scheme.

Authorisation can be checked on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

RAC Motoring Services owns 50% of RAC Insurance Limited. Both companies are wholly owned by RAC plc.

For insurance purposes, the home state of RAC Motoring Services and RAC Insurance Limited is the United Kingdom.