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Zurich Breakdown Cover

Complete with Zuric Motoring Assistance and Car Breakdown Cover
You should read this policy, the schedule, endorsements and certificate of motor insurance as one contract. It is an agreement between you (the person shown in the schedule as the person insured) and us (Zurich Insurance Company), but is only valid if you agree to pay the premium. It is based on the information you gave us and then confirmed in a 'statement of facts'.

Your Cancellation Rights
If you decide that you do not want to accept the policy (or any subsequent renewal of the policy by us), please return it to us together with the Certificate of Insurance using the contact details provided on the covering letter within 14 days of receiving it (or for renewals within 14 days of your policy renewal date). We will only charge you on a pro rata basis for the time we have been on cover subject to a minimum premium of £15 (plus insurance premium tax). The balance of the premium will be returned to you but there will be no refund where you are canceling the policy following a claim where the vehicle is a total loss and not being replaced.

(Buy online and you could save up to 10% discount*)
Your policy provides cover in the United Kingdom for the people and car shown in the certificate of motor insurance for the period shown. For details of using your car abroad, see Section 14 of Part A of the policy.
Settling claims

For claims under Sections 4 and 5 of Part A of the policy, we will at our option either repair your car or make a cash settlement, which will not be more than your car's market value at the time of the loss or damage.

Part C Breakdown Assistance and Recovery
We will provide, in the United Kingdom, up to 30 minutes roadside assistance if your car breaks down, has a puncture (as long as the spare wheel is available) or runs out of fuel, or if you lose your car keys more than a ¼ of a mile from your home.

If the car cannot be repaired at the roadside, it will be taken, together with the driver, up to 5 passengers and any standard make of caravan or trailer you are towing, to the nearest garage within 25 miles for it to be repaired at your cost. (A standard make is up to 7.00 metres long, 3.00 metres high, 2.25 metres wide and not weighing more than 3.5 tonnes when loaded.)

What you are not Insured for
The cost of replacement fuel or spare parts.
. Assistance or recovery within a ¼ of a mile of your home address.
. Any storage charges, toll fees or ferry charges.
. Damage caused by getting into your car if you have lost your car keys.
. Recovery or repair of a trailer or caravan if it contains an animal or person.
. Help if you car is immobile (cannot be driven) because of the surface it is on, for example, sand, mud or grass.

If temporary repairs are made, you must get the vehicle permanently repaired as soon as possible.
If your car is not easy to get to, or we have to use specialist equipment, you may have to pay any extra costs.
We may choose to repair your car (at your cost) following a breakdown, rather than arranging for it to be recovered.
Part D Home-Call(optional upgrade) Cover under this part only applies if it is shown in your current policy schedule.
;Your policy is extended to include breakdown cover, as provided under Part C, at your home address or within a ¼ of a mile of your home.

Part E Nationwide breakdown recovery service
(optional upgrade)

Cover under this part only applies if it is shown in your current policy schedule. The breakdown cover under Part C is extended to include the following.

Recovery service?If your car cannot be repaired, we will recover your car, trailer, driver and up to seven passengers to their home address or the intended destination in the United Kingdom. We will then take your car to a local repairer of your choice within 25 miles.

Chauffeur service?If your driver is taken ill and nobody is qualified to drive your car, we will give you a chauffeur to help you complete your planned journey or return you home.

Part F European breakdown and accident assistance
(optional upgrade)
Cover under this part applies if it is shown in your current policy schedule.
The breakdown cover under Part C is extended to provide cover while the vehicle is being used within the countries listed in Section 14 of Part A of this policy other than the United Kingdom. The following cover is also included.

Loss of use of your car?If your car cannot be used for more than eight hours, or is stolen and not recovered within eight hours, we will pay for one of the following.
Up to £750 towards the cost of hiring another car until your car is repaired.
The cost of transporting you and your luggage to your destination and then returning you to your car following its repair.

Up to £45 for each person a day for up to five days for reasonable accommodation expenses.
We cannot guarantee that hire cars will always be available or fitted with a roof rack and towbar. You are responsible for the cost of fuel and other expenses incurred to continue your trip;
must keep to the conditions of the hire company.

What you are not insured for
If you lose your deposit because the hire car is damaged, or because you do not put more fuel into the hire car.
Returning your car to the United Kingdom?If your car cannot be repaired, or is stolen and not recovered by your expected departure date or is recovered after you have returned to the UK, we will pay:
the cost of transporting you and your luggage to your home in the United Kingdom.

the cost of transporting your car to your home or repairer of your choice in the United Kingdom, or up to £600 for you or a driver of your choice to return from the United Kingdom to collect your car; and up to £100 for storing your car abroad.

The most we will pay to return your car will be its current market value in the United Kingdom.

Chauffeur service-If your driver is taken ill and nobody is qualified to drive your car, we will give you a chauffeur to help you return home if everyone is medically fit to travel. We will also pay, for up to five days, £45 for each person a day to cover reasonable accommodation expenses.

European motorways-If the police arrange for an independent garage to recover your car, we will pay the costs of this. Please keep your receipt.

Defence up to £10,000-We will pay up to £10,000 that you have run up with our permission, to provide a defence in criminal proceedings against the driver of your car due to a road traffic accident.

Breakdown cover is provided by the RAC, who have more patrols per member than any other breakdown service and aim to reach you in 40 minutes

We have 4 types of breakdown covers and all of the cover options will fix your car at the roadside if you are over a quarter of mile away from home or take you to the nearest garage. There are no call out or mileage charges. Choose your cover from below:

Roadside – If your car can’t be repaired at the roadside, you’ll be taken to a destination of your choice within 10 miles or a nearby garage. Cover available for £36.99 a year or £3.08 per month.

Roadside & Recovery – gives you the cover at Roadside plus Recovery as if your car can’t be repaired at the roadside, you and your passengers will be taken to any single address within the UK. Cover available for £66.99 a year or £5.58 per month.

Full UK Breakdown – gives you the full breakdown cover such as Roadside & Recovery, but if your car can’t be repaired locally, you’re also entitled to hire a car, alternative transport costs or hotel accommodation. You’re also covered for assistance at home if necessary. Cover available for £78.99 a year or £6.58 per month.

Full UK & European Breakdown – will provide you with everything that the Full UK Breakdown cover provides when driving in Europe. Cover available for £106.99 a year or £8.92 per month.

Breakdown Cover is provided by the RAC and you can choose from any of these 4 options. Conditions apply. UK residents only
 
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