OTIS European Breakdown Cover insurance policy - Online Travel ...

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InsurerYour OTIS European Breakdown Cover is underwrittenby AGA International SA and is administered in theUnited Kingdom by Allianz Global Assistance.How your policy worksYour policy and certificate of insurance is a contractbetween you and us. We will pay for any claim youmake which is covered by this policy and happensduring the period of insurance. Unless specificallymentioned the benefits and exclusions within eachsection, apply to the insured vehicle. Your policy doesnot cover all possible events and expenses. Certainwords have special meanings as shown under theheading ‘definitions’. These words have beenhighlighted by the use of bold print throughout thepolicy document.Cancellation rightsIf your cover does not meet your requirements, pleasenotify Online Travel Insurance Services Ltd within 14days of receiving your certificate of insurance andreturn all your documents to them for a refund of yourpremium. If during this 14 day period you havetravelled, made a claim or intend to make a claim thenwe can recover all costs that you have used for thoseservices. Please note that your cancellation rights areno longer valid after this initial 14 day period.Renewal of your insurance coverIf you have annual multi-trip cover, Online TravelInsurance Services Ltd will send you a renewal noticeat least 21 days prior to the expiry of the period ofinsurance as shown on your certificate of insurance.We may vary the terms of your cover and the premiumrates at the renewal date.Financial Services CompensationScheme (FSCS)For your added protection, the insurer is covered bythe FSCS. You may be entitled to compensation fromthe scheme if the insurer cannot meet its obligations.This depends on the type of business and thecircumstances of the claim. Insurance providesprotection for 90% of the claim, with no upper limit.Further information about the compensation schemearrangements is available from the FSCS, telephonenumber 0800 678 1100 or 020 7741 4100 or by visitingtheir website at www.fscs.org.uk.Governing lawUnless agreed otherwise, English law will apply and allcommunications and documentation in relation to thispolicy will be in English. In the event of a disputeconcerning the policy the English courts shall haveexclusive jurisdiction.Data protectionInformation about your policy may be shared betweenOnline Travel Insurance Services Ltd, Voyager InsuranceServices Ltd, us and the insurer for underwriting andadministration purposes. You should understand thatthe sensitive health and other information you providewill be used by us, our representatives, the insurer,other insurers and industry governing bodies andregulators to process your insurance, handle claimsand prevent fraud. This may involve transferringinformation to other countries (some of which mayhave limited or no data protection laws). We havetaken steps to ensure your information is held securely.Your information may be used by us, the insurer andmembers of The Allianz Global Assistance Group andshared with Online Travel Insurance Services Ltd andVoyager Insurance Services Ltd for marketing andresearch purposes, or to inform you from time to timeabout new products or services. If you do not want toreceive marketing information please write to us at 102George Street, Croydon, CR9 6HD. You have the rightto access your personal records.Contracts (Rights of Third Parties) Act1999We, the insurer and you do not intend any term of theagreement to be enforceable by any third party pursuantto the Contracts (Rights of Third Parties) Act 1999.DefinitionsThroughout this policy and certificate of insurance, thewords and phrases listed below have the meaningsgiven next to them and are printed in bold.Appointed adviser means any solicitor or appropriatelyqualified person, firm or company, including us,appointed to act for you, according to the terms of thispolicy.Breakdown means electrical or mechanicalbreakdown, road accident, damage or destruction byfire or attempted theft or loss of keys which means theinsured vehicle cannot be moved.Continental Europe means Andorra, Austria, Belgium,Bulgaria, Canaries, Czech Republic, Denmark, Estonia,Finland, France, Germany, Gibraltar, Greece, Hungary,Iceland, Italy, Latvia, Liechtenstein, Lithuania,Luxembourg, Madeira, Monaco, Netherlands, Norway,Poland, Portugal, Republic of Ireland, Romania, SanMarino, Slovakia, Slovenia, Spain, Sweden, Switzerland,United Kingdom and Vatican City.Home means the place you usually live in the UnitedKingdom.Insured event means;• your defence if you are prosecuted for a motoringoffence committed, or alleged to have beencommitted, by you arising solely in connection withthe use of the insured vehicle.• a claim brought by you for the pursuance of anuninsured loss claim against a negligent third partywhere you are involved in any road traffic accidentcausing;- death or bodily injury to you whilst in or getting into or out of the insured vehicle, and- damage to the insured vehicle.Insured vehicle means;The vehicle shown on the certificate of insurance mustbe:• a car, motorcycle over 150cc, motorised caravan,minibus, light van, estate car or 4x4 sport utilityvehicle registered in the United Kingdom. Towedcaravans or trailers are not covered unless agreed inwriting by us and the extra premium paid.• less than 10 years old at the date you buy the policy.• not more than 3,500kg in weight (including any load),7 metres long, 3 metres high and 2.3 metres wide.• not carrying more than the recommended number ofpassengers (maximum being 8 including the driver).• kept in a safe and roadworthy condition and servicedin accordance with the manufacturer’s specifications.Insurer means AGA International SA.Journey means a trip that takes place during theperiod of insurance which begins when you leavehome and ends when you get back home, whicheveris earlier.• you will only be covered if you are aged 80 or underat the date your policy was issued.• any other trip which begins after you get back is notcovered.• a trip which is booked to last longer than 90 days isnot covered.Legal action means work carried out to support aclaim that we have agreed to. This includes settlementnegotiations, hearings in a civil court, arbitration andany appeals resulting from such hearings other than anapplication by you;• to the European Court of Justice, European Court ofHuman Rights or similar international body, or• to enforce a judgment or legally binding decision.Legal costs means fees, costs and expenses (includingValue Added Tax or the equivalent local goods andservices tax) which we agree to pay for you inconnection with legal action. Also, any costs which youare ordered to pay by a court or arbitrator (other thandamages, fines and penalties) or any other costs weagree to pay.Period of insurance means the cover under section1 - cover before you leave begins 7 days before thebeginning of your journey (but not before your policywas issued) and ends at the beginning of your journey.The cover for all other sections starts at the beginningof your journey and finishes at the end of yourjourney.2All cover ends on the expiry date shown on yourcertificate of insurance, unless you cannot finish yourjourney due to a breakdown or theft covered by thispolicy. In these circumstances we will extend cover freeof charge until you can reasonably finish that journey.Relative means your mother (in-law), father (in-law),step parent (in-law), sister (in-law), brother (in-law),wife, husband, son (in-law), daughter (in-law), stepchild, foster child, grandparent, grandchild, uncle, aunt,nephew, niece, cousin, partner (including common lawand civil partnerships) or fiancé(e).Resident means a person who has their main home inthe United Kingdom and has not spent more than sixmonths abroad during the year before the policy wasissued.United Kingdom, UK means England, Scotland, Wales,Northern Ireland, the Channel Islands and the Isle ofMan.We, our and us means Mondial Assistance (UK) Limitedtrading as Allianz Global Assistance which administersthe insurance on behalf of the insurer.You, your and person(s) insured means any person inthe insured vehicle on the journey.
Section 1Cover before you leaveWhat each insured vehicle is covered forIn the event of a breakdown occurring to the insuredvehicle within 7 days of the start of your journey (butnot before the date your policy was issued) we will dothe following;AssistanceArrange assistance at your home or the roadside andrecovery to the nearest repairer (if required).Replacement vehicleWe will arrange and pay up to the amount shown in thebenefits schedule for a replacement vehicle if;• the insured vehicle cannot be repaired or recoveredprior to the start of your journey, or• the insured vehicle is stolen within 7 days of thestart of your journey (but not before the date yourpolicy was issued) and not recovered or replacedprior to your journey.What each insured vehicle is not covered forUnder Assistancea. any repairs to the insured vehicle that are notdescribed in this section.b. any insured vehicle which has not been serviced tothe manufacturer’s recommendations and kept in asafe and roadworthy condition.c. any insured vehicle which has a recurring electricalor mechanical fault.d. any help or payment if the breakdown servicecannot reasonably get to your insured vehiclebecause of bad weather.e. the cost of essential spare parts or repair costs at agarage.Under Replacement vehiclea. the cost of any personal accident insurance.b. the cost of any fuel or oil used.Note• we will try to provide a vehicle of similar size to theinsured vehicle subject to availability. Unfortunatelymotorcycles, motor caravans, minibuses, tow bars,caravans and trailers cannot be provided.• if you have a replacement vehicle, you must meetthe requirements of the car hire company. Forexample, these could include your age, putting downcash or credit card deposits and having a cleanrelevant driving licence.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 2Emergency roadside repairs and gettingyour vehicle to a garageWhat each insured vehicle is covered forIn the event of a breakdown occurring to the insuredvehicle during your journey we will arrange assistanceat the roadside and recovery to the nearest repairer (ifrequired) up to the amount shown in the benefitsschedule.What each insured vehicle is not covered fora. any repairs to the insured vehicle that are notdescribed in this section.b. any insured vehicle which has not been serviced tothe manufacturer’s recommendations and kept in asafe and roadworthy condition.c. any insured vehicle which has a recurring electricalor mechanical fault.d. any help or payment if the breakdown servicecannot reasonably get to your insured vehiclebecause of bad weather.e. the cost of essential spare parts or repair costs at agarage.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 3Getting you home or helping youcontinue your journeyWhat each insured vehicle is covered forWe will help arrange and pay for the following if duringyour journey you cannot use the insured vehicle for atleast 8 hours because of theft or breakdown and itcannot be repaired or recovered within that time.Replacement vehicle or additional transport costsUp to the amount shown in the benefits schedule forthe cost of hiring a replacement vehicle or thereasonable additional transport costs to enable you to;• continue to your journey destination and back againto collect the insured vehicle after the repair hasbeen done, or• return to your home in the United Kingdom.Additional accommodationFor each person insured up to the amount shown in thebenefits schedule additional hotel or bed & breakfastaccommodation where the costs are more than whatyou would have had to pay if the insured vehicle didnot have a breakdown or had not been stolen.What each insured vehicle is not covered fora. any costs after the insured vehicle is available andcan be driven.b. the cost of any personal accident insurance.c. the cost of any fuel or oil used.d. any hotel or bed and breakfast arrangements if yourmain accommodation is a tent.d. any sundry expenses resulting from an incidentclaimed for under this section. For example telephoneor mobile phone calls, faxes, food and drink.e. any costs incurred (other than a replacement vehicle)if the insured vehicle has a breakdown, in theUnited Kingdom, on the outward journey toContinental Europe and you want to continue withyour journey.f. the cost of a replacement vehicle if you have alreadygot one under section 1 - cover before you leave.Note• we will try to provide a vehicle of similar size to theinsured vehicle subject to availability. Unfortunatelymotorcycles, motor caravans, minibuses, tow bars,caravans and trailers cannot be provided.• if you have a replacement vehicle, you must meetthe requirements of the car hire company. Forexample, these could include your age, putting downcash or credit card deposits and having a cleanrelevant driving licence.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 4Spare parts delivered for essential repairWhat each insured vehicle is covered forWe will help arrange and pay to send the spare parts,including keys that are lost or stolen, to a specialistrepairer, if the insured vehicle has a breakdown inContinental Europe and the parts that are needed torepair the insured vehicle are not available locally.What each insured vehicle is not covered fora. any journey within the United Kingdom.b. the cost of repairs to the insured vehicle.c. the cost of the essential spare parts.d. the cost of sending spare parts if we have notarranged to take the insured vehicle to a specialistrepairer.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 5Damage to the insured vehicle after theftor attempted theftWhat each insured vehicle is covered forWe will help arrange and pay up to the amount shownin the benefits schedule for the following if there isdamage to the insured vehicle caused by it beingstolen or someone trying to steal it or your personalpossessions, in Continental Europe;a. temporary emergency repairs, orb. replacing parts if they are stolen or someone tried tosteal them.What each insured vehicle is not covered fora. any help or payment where there is no evidence of aforced entry into the insured vehicle.b. any help or payment where you do not get a policereport within 24 hours of the event and send it to us.c. damage to paintwork or other accessories.Please refer to sections general exclusions,conditions and making a claim that also apply.3Section 6Getting the insured vehicle backWhat each insured vehicle is covered forWe will help arrange and pay for the following if theinsured vehicle has a breakdown or it is stolen.Storage costsThe cost of any storage charges up to the amountshown in the benefits schedule for the insured vehiclebefore it is brought back to the United Kingdom.Returning the insured vehicleThe cost of getting the insured vehicle to your homeor a repairer in the United Kingdom up to the amountshown in the benefits schedule.We will provide this cover if any of the followingapply;• Local repairs cannot be done.• Local repairs can be done in less than 5 days, butnot before the date you are due to return to theUnited Kingdom.• Your vehicle is stolen and not found until after thedate you are due to return to the United Kingdom.What each insured vehicle is not covered fora. costs which are more than the vehicle’s market valuein the United Kingdom.b. theft of your personal possessions left in or on theinsured vehicle when it is being brought back to theUnited Kingdom.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 7Collecting the insured vehicle fromContinental EuropeWhat each insured vehicle is covered forWe will help arrange and pay for the following;Vehicle collectionThe reasonable cost of travel for one person to travel toand from the United Kingdom to collect the insuredvehicle up to the amount shown in the benefitsschedule.Vehicle storageThe cost of storing the insured vehicle for a reasonabletime before and after the repair has been done up to theamount shown in the benefits schedule.We will provide this cover if either of the followingapply;• the repairs, following a breakdown, can be donewithin 5 days but not before you are due to return tothe United Kingdom, or• the insured vehicle was stolen and is only foundafter your return to the United Kingdom and can bedriven legally and is mechanically safe.What each insured vehicle is not covered fora. any journey within the United Kingdom.b. the cost of insurance to cover collecting theinsured vehicle.c. you will still be covered under this motor breakdowninsurance policy when the insured vehicle iscollected before the end of your journey as shownon your journey confirmation.Please refer to sections general exclusions,conditions and making a claim that also apply.Section 8If there is no qualified driver available forthe insured vehicleWhat each insured vehicle is covered forWe will help arrange and pay for the following.Vehicle storageUp to the amount shown in the benefits schedule intotal for the cost of storing the insured vehicle before itis brought back to the United Kingdom.Transporting homeThe reasonable extra costs of transporting the insuredvehicle and your personal possessions to your home.
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