Bell Insurance

Insurance Product Information Document

Company: EUI Limited Product: European Plus Breakdown Cover

EUI Limited is registered in the UK and is authorised and regulated by the Financial Conduct Authority, Financial Services Register
reference number: 309378

This document summarises the key features of the insurance policy for SL63LHW. It is not tailored to individual needs and so may not provide all
the information relevant to your cover requirements. Complete pre-contractual and contractual information is provided in other documents.

What is this type of insurance?

We'll send a vehicle recovery operator to the scene of the breakdown to repair and provide assistance if your vehicle suffers a breakdown due to
an electrical or mechanical failure, lack of fuel, flat battery, misfuel, or puncture which immediately renders the vehicle immobilised. If you have
purchased Breakdown Cover (All Vehicles), the cover limits (what is not insured and restrictions sections) apply to each vehicle from the date they
come on cover on the associated motor policy.

What is insured? What is not insured?

Callouts
Home assistance: You're covered for 6 home callouts
which occur within 1/4 mile of your home address.
Roadside assistance UK: You're covered for unlimited
roadside callouts which occur more than 1/4 mile away
from your home address anywhere in the UK.
Repair/Recovery
Local repair: If we can't repair the vehicle within one hour
at your home or the roadside we'll recover your vehicle,
you and your passengers to the nearest garage that can
repair the vehicle.
Nationwide recovery - UK: If your vehicle can't be
repaired within one hour at your home, at the roadside or at
a local garage within the same working day, we'll recover
your vehicle, you and your passengers to your chosen
destination within the UK.
European assist: If your vehicle can't be repaired within
48 hours or by your intended departure date, we'll recover
your vehicle, you and your passengers to your home
address or if you prefer and it is closer; your original
destination.
Alternative transport - UK (pay and claim): We’ll
reimburse you up to £500 towards the costs of alternative
transport to complete your original journey. We’ll also
reimburse you up to £150 towards the costs of alternative
transport for one person to collect the repaired vehicle.
Alternative transport - Europe (pay and claim): We'll
reimburse you up to £1000 towards the costs of alternative
transport to complete your original journey. We'll also
reimburse you up to £150 towards the costs of alternative
transport for one person to collect the repaired vehicle.
Emergency overnight accommodation - UK/Europe
(pay and claim): We’ll reimburse you up to £150 per
person for overnight accommodation. The maximum
payment per breakdown incident for all persons is £600.
Additional benefits
Caravan and trailer cover: If your caravan or trailer is
attached to your vehicle it will be recovered with your
vehicle at no extra cost (please see restrictions).
Lost or broken keys: If you lose, break or lock your
vehicle keys within your vehicle, we'll recover you to
the vehicle recovery operator's base or an alternative
destination of your choice if closer.
Misfuel fuel drain & flush: If you put the wrong fuel in
your vehicle by mistake, we cover the costs of a fuel drain
and flush at the roadside or back at the vehicle recovery
operator's base.
Misfuel repair: If there has been further damage caused
directly by the misfuel, we'll cover the costs of any parts
and labour needed to repair the vehicle at our approved
repairer. The cost will be up to the market value of the
vehicle.
Callouts
Subsequent callouts: We won't cover any symptoms
related to a previous breakdown claim which has been
made within the last 28 days, unless your vehicle has
been fully repaired at a suitable garage.
Home callouts: We won't cover you for more than six
home assists in the policy duration.
Additional benefits
Misfuel: We won't cover damage caused by the use
of your vehicle after the point you knew it had been
misfuelled.
All
Roadside & home assistance: We don't provide cover
following any accident, fire, theft or vandalism of your
vehicle or if the vehicle is deemed to be illegal, untaxed,
uninsured, un-roadworthy or dangerous to transport.
Cost of parts/components/materials following
breakdown: The breakdown cover doesn't cover the
cost of any parts, components or materials used to
repair the vehicle following a breakdown.
Windscreen: We won't provide breakdown service
due to glass or windscreens having been damaged or
broken.
Other vehicles: We won't cover any vehicle which is
not listed on your policy.
Claims limit: We won't cover claims totalling more than
£15,000 in the policy duration, other than claims for
repair following a misfuel incident, where the claim limit
will be the current market value for the vehicle.
Additional services: We won't pay for any additional
manpower and/or recovery vehicles or a recovery
further than 10 miles from the scene of the breakdown
if your vehicle is immobilised due to snow, mud, sand,
water, ice or flood.
Additional claims costs: Any costs incurred in
addition to a standard callout where service can't be
undertaken at the roadside because the vehicle doesn't
carry a serviceable spare wheel, aerosol repair kit,
appropriate jack, or the locking mechanisms for the
wheels are not immediately available to remove the
wheels.
Are there any restrictions on cover?
Vehicle recovery operator (VRO) availability: In some circumstances there may be a delay in VRO attendance, for example, road traffic
accidents causing delays in the surrounding area of where you breakdown.
Midterm activation: If you add Breakdown Cover midterm there is a 48 hour waiting period before you can claim.
Nationwide recovery: Any recovery must take place at the same time as the initial callout otherwise you'll have to pay for subsequent
callout charges.
European recovery: We are sometimes unable to assist you and you may need to obtain assistance via the SOS phones. The local
services will tow you to a place of safety and you'll be required to pay for the service immediately. You can then contact us for further
assistance.
Roadside repairs: It's not always possible to accurately diagnose the fault and emergency repairs carried out at the roadside can't be
guaranteed.
Caravan and trailer cover: It must be fitted with a standard towing hitch and does not exceed 23 feet in length.
European assist: Cover in Europe is limited to 90 days.
Alternative transport & emergency overnight accommodation: These services are only offered if you breakdown more than 20 miles
away from your home address and we can't repair your vehicle in the same day.
Pay and claim: This means that you must pay initially and we'll send you a claim form to complete and return, for reimbursement.
1 hour entitlement: If the VRO attempts to repair your vehicle at home or at the roadside, the attempt will only be up to 1 hour.
Any cost recoverable under any other insurance policy that you may have.

Where am I covered?
Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.
Any country which is a member of the European Union, Norway, Switzerland, Iceland, Andorra and Liechtenstein.

What are my obligations?

● You must ensure your vehicle is in a roadworthy condition and is regularly serviced.
● You are responsible for keeping the vehicle and its contents safe. You must remove items from your vehicle prior to it being
transported.
● You must be with the vehicle at the estimated time of arrival, unless agreed between us and you.
● You must provide us with all receipts and invoices when you use a pay and claim service outlined in the policy.
● If your vehicle requires recovery, you must inform us of the address you would like the vehicle to be taken to. This can be a garage,
business or residential address. Once the vehicle has been delivered to the nominated address, the vehicle is left at your own risk.
● You must immediately pay for any additional labour charges beyond your 1 hour entitlement or alternatively inform the rescue
controller of where you would like your vehicle to be recovered.
● You must carry your V5C registration documents for the vehicle you will be taking to Europe, and the driving licence of each person
who will be driving with you during your journey.

When and how do I pay?

You can pay for your insurance with one lump sum with a debit/credit card. If eligible, you can pay in monthly instalments by Direct Debit.
Monthly instalments will apply for the duration of the policy.

When does the cover start and end?

The cover start and end dates you selected, which form the term of the contract, are shown on your Policy Schedule. Your policy may be
renewed and payment taken unless you contact us to stop it before the renewal date. We will contact you before your renewal date and before
taking payment to confirm your renewal terms.

How do I cancel the contract?

You can cancel at any time by calling us on 0333 220 2008 or by writing to us at Ty Admiral, David Street, Cardiff, CF10 2AA. Your
cancellation will be subject to the relevant cancellation fee.