Mercedes-Benz. Van Insurance Policy

Transcription

1 Mercedes-Benz Van Insurance Policy

2 Customer Service If you have any queries on your policy, or wish to make any amendments to it, please call Customer Services on Mercedes-Benz Van Insurance Claims Assistance Mercedes-Benz Claims Assistance provides a range of benefits and services designed to minimise your inconvenience in the event of a claim. If you need to make a claim, call and explain what has happened. Mercedes-Benz Van Breakdown Assistance For breakdown and accident assistance, provided you have purchased this additional cover, call option 1 For information regarding breakdown and accident assistance please refer to pages of your policy book. Please detach this card and keep with you in case you need to call us for assistance in the event of an accident or breakdown. For our joint protection telephone calls may be recorded and/or monitored.

3 Contents Contract of Insurance 5-6 Definitions 6-7 Policy Cover Index 7 Section 1 Loss of or damage to your vehicle 9-10 Section 2 Liability to third parties Section 3 Injury to you or your partner 13 Section 4 Medical expenses 13 Section 5 Physio Fast 13 Section 6 Personal belongings 13 Section 7 Tool cover 14 Section 8 Emergency treatment 14 Section 9 No Claim Discount 14 Section 10 Foreign use and compulsory insurance requirements 14 Section 11 Replacement locks Section 12 Breakdown Assistance Section 13 Courtesy van cover Section 14 Legal Assistance General Exceptions 25 General Conditions Complaints Procedure 29

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5 Contract of Insurance The contract of insurance This policy is a contract of insurance between you and us. You enter into a contract with us when you agree to take out the policy on the terms and conditions we have offered and to pay the premium. It is your responsibility to ensure that all persons insured are aware of the terms of this policy. The following elements form the contract of insurance; please read them and keep them safe: policy booklet. information contained on your Statement of Demands and Needs as issued by us and in your application form. schedule. any clauses endorsed on this policy, as set out in your schedule. certificate of motor insurance. any changes to your insurance policy contained in notices issued by us at renewal. the information under the heading Important notes relating to your cover which we provide to you when you take out or renew your policy. In return for paying your premium, we will provide the cover shown in your schedule under the terms and conditions of this policy booklet during the period of insurance. Any changes agreed during the period of insurance will be treated as a continuation of the contract of insurance. Our provision of insurance under this policy is conditional upon all persons who seek to benefit under this policy observing and fulfilling the terms, provisions, conditions and clauses of this policy. Renewal of the contract of insurance Each renewal of the policy represents a new contract of insurance. For existing customers who pay annually or monthly you enter into a new contract of insurance with us commencing on the date when you agree to renew the policy and to pay the premium. Persons insured will be covered for the period of insurance shown on your renewal schedule. Choice of law The law of England and Wales will apply to this contract unless: 1. you and the insurer agree otherwise; or 2. at the date of the contract you are a resident of (or, in the case of a business, the registered office or principal place of business is situated in) Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of that country will apply. Use of language Unless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in English. Customers with Disabilities This policy and other associated documentation are also available in large print, audio and Braille. If you require any of these formats please contact us on between 8.30am and 6.00pm Monday to Friday and between 9.00am and 2.00pm Saturday, or write to Daimler Insurance Services UK Limited, Tongwell, Milton Keynes MK15 8BA. Information and changes we need to know about You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy. Please tell us immediately if there are any changes to the information set out in the Statement of Demands and Needs, certificate of motor insurance or on your schedule. You must also tell us about the following changes: you change your vehicle. you modify your vehicle. the addition of drivers. how you use your vehicle (e.g. change from social domestic and pleasure to business use). you wish to increase your cover (e.g. change from third party only to comprehensive). you sell your vehicle. the address where you normally keep your vehicle. if you, or anyone covered by this policy change jobs, including part time. you or any driver of your vehicle is convicted of a motoring offence (including fixed penalty offences). you or any driver of your vehicle suffers any 5

6 physical or mental impairment that must be notified to the Driver and Vehicle Licensing Agency (DVLA) or the Driver and Vehicle Licensing Agency Northern Ireland (DVLANI). If you are in any doubt, please contact us. When you inform us of a change, we will tell you if this affects your policy, for example whether we are able to accept the change and if so, whether the change will result in revised terms and/or premium being applied to your policy. If the information provided by you is not complete and accurate: we may cancel your policy and refuse to pay any claim, or we may not pay any claim in full, or we may revise the premium and/or change the compulsory excess, or the extent of the cover may be affected. Your cancellation rights You have a statutory right to cancel your policy within 14 days from the day of purchase or renewal of the contract or the day on which you receive the policy or renewal documentation, whichever is the later. If you wish to cancel and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. Alternatively, if you wish to cancel and the insurance cover has already commenced, you will be entitled to a refund of the premium paid, less a proportionate deduction for the time we have provided cover. To cancel, please contact Daimler Insurance Services UK Limited Customer Services Helpline on If you do not exercise your right to cancel your policy, it will continue in force and you will be required to pay the premium. For your cancellation rights outside the statutory cooling off period, please refer to the General Conditions section of this policy booklet. You must return/surrender your valid certificate of motor insurance immediately following cancellation. Definitions To save lengthy repetition, wherever the following words or phrases appear in bold in this policy, they will have the following meanings unless otherwise shown for any policy section: Accessories Parts of your vehicle which are not directly related to how it works as a vehicle. This includes audio equipment, multi-media equipment, communication equipment, personal computers, cameras, satellite navigation and radar detection systems providing they are permanently fitted to your vehicle and have no independent power source. Certificate of motor insurance The current document that proves you have the motor insurance you need by law. It shows who can drive your vehicle and what you can use it for. It is proof that you can use your vehicle on a road or other public place, as required by the Road Traffic Acts. The certificate does not show the cover you have. Clause An extra or alternative wording which changes the terms of your policy. The clauses which apply are shown in your schedule. Excess, Excesses The amount of any claim you will have to pay if your vehicle is lost, stolen or damaged (the amount applies to each individual vehicle). Fire Fire, self-ignition, lightning and explosion. Green Card A document that you will need in certain countries which are not members of the European Union to prove that you have the minimum insurance cover needed by law to drive in those countries. Market value The cost of replacing your vehicle with one of the same make, model, specification and condition. 6

7 Period of insurance The period of time covered by this policy, as shown in the schedule, and any other period that we agree to insure you for. Personal belongings Personal property within your vehicle. This includes portable audio equipment, multi media equipment, communication equipment, personal computers, cameras, satellite navigation and radar detection systems not permanently fitted to your vehicle. RAC RAC Motoring Services RAC House, Brockhurst Crescent, Walsall, West Midlands WS5 4AW. Road Traffic Acts Any Acts, Laws or Regulations which govern the driving or use of any motor vehicle in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Schedule The document which gives details of the cover you have. Territorial limits Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands. Terrorism: 1. Any act or acts including but not limited to: i. the use or threat of force and/or violence, and/or; ii. harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage by nuclear and/or chemical and/or biological and/or radiological means; caused or occasioned by any person(s) or group(s) of persons, or so claimed in whole or in part, for political, religious, ideological or similar purposes. 2. Any action taken in controlling, preventing, suppressing or in any way relating to 1. above. Theft Theft or attempted theft, or taking your vehicle without your permission. Trailer Any drawbar trailer or semi-trailer. We, us Aviva Insurance Limited, except where otherwise shown for any part of this policy. You, Your, Policyholder The policyholder named in your schedule. Your partner The husband or wife, or the domestic or civil partner of the policyholder living at the same address as you and sharing financial responsibilities. This does not include any business partners or associates. Your vehicle Any motor vehicle not exceeding 3.5 tonnes gross vehicle weight described in your schedule and any other motor vehicle for which details have been supplied to us and a certificate of motor insurance bearing the registration mark of that motor vehicle has been delivered to you in accordance with the Road Traffic Acts remain effective. Any motor vehicle not exceeding 3.5 tonnes gross vehicle weight loaned to you or a permitted driver shown on your certificate of motor insurance for up to seven days by a garage, motor engineer or vehicle repairer while the motor vehicle described in your schedule is being either serviced, repaired or having an MOT test (applicable to Comprehensive cover only). Policy Cover Index Operative sections Comprehensive Sections 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 14 are operative. Third Party Sections 2, 8, 9, 10, Fire and Theft are operative. Optional Covers These sections only apply if it says so in your schedule. Section 5: Physio Fast Section 12: UK Breakdown Section 13: Courtesy van cover 7

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9 Cover for your vehicle Section 1 Loss of or damage to your vehicle If your vehicle is lost, stolen or damaged, we will, make the decision to, either: pay for your vehicle to be repaired; replace your vehicle; or pay you a cash amount equal to the loss or damage. The same cover applies to: accessories and spare parts; and fixtures and fittings; while these are in or on your vehicle. We will also pay for loss or damage to your vehicle s audio equipment, which is away from your vehicle, if this equipment: has been designed to be removed or partly removed from your vehicle; cannot work without being attached to your vehicle; and has been temporarily removed for security or maintenance purposes. The most we will pay will be the market value of your vehicle at the time of the loss, but not more than your estimate of value shown in our records. If we know that you are still paying for your vehicle under a hire-purchase or leasing agreement, we will make any payment due to the owner described in that agreement. Our liability under this policy will then end. If your vehicle cannot be driven due to loss or damage insured under this policy, we will pay the reasonable cost of delivering it to you at your address in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands after it has been repaired. Accident recovery In Great Britain, Northern Ireland, the Channel Islands and the Isle of Man, we can arrange for the RAC to take your vehicle to the nearest repairers. If you are involved in an accident, call Mercedes-Benz Claims Assistance, and the RAC will arrange for the following at no extra cost: someone to come out and help. If your vehicle cannot be made roadworthy immediately, it will be taken to our nearest approved repairer. Your vehicle can be taken to a repairer of your choice, if this is nearer, but this may lead to delays in arranging the repairs to your vehicle. This rescue service also applies if you have an accident in the Republic of Ireland (call ). passing a message on to someone on behalf of any driver. In providing recovery assistance after an accident, RAC employees and contractors will use reasonable care and skill when providing the service. The RAC can, however, cancel services or refuse to provide them if, in their opinion, your demands are unreasonable or impractical. New vehicle replacement We will replace your vehicle with a new vehicle of the same make and specification (if one is available) if, within six months of you or your partner buying it new: any repair cost or damage in respect of any one claim covered by the policy is more than 60% of its United Kingdom list price (including vehicle tax and VAT) at the time you or your partner bought it; your vehicle is stolen and not recovered. We will only replace your vehicle if: you or your partner own the vehicle or bought it under a hire-purchase agreement (we will not replace any vehicle that is the subject of any type of leasing or contract hire agreement); any interested hire-purchase company agrees; and you or your partner are the first registered owner of your vehicle. Excesses If your vehicle (including its accessories, spare parts, fixtures and fittings) is lost, stolen or damaged, you will have to pay the first part of any claim as shown below. These excesses apply as well as any voluntary or other compulsory excesses that may apply: Damage to your vehicle (other than by fire or theft) Excess a. standard excess 120 b. a driver aged 20 or under 370 c. a driver aged 21 to

10 Damage to your vehicle (arising from fire or theft) Excess a. standard excess 120 b. a driver aged 20 or under 120 c. a driver aged 21 to If you are only claiming for replacement locks, for loss of or damage to the glass in your vehicle s windscreen, sunroof or windows, or for any scratches on the bodywork caused by breaking glass, the excesses under a, b, and c will not apply. You will, however, have to pay the first 60 of the cost of replacing the glass. This excess for glass: will not apply if the glass is repaired rather than replaced; and overrides any other general excess that would otherwise apply to glass claims. Glass in the windscreen, sunroof or window Any payment for repairing or replacing glass in the windscreen, sunroof or windows of your vehicle (or any scratches on the bodywork caused by breaking glass) will not affect your no claim discount. Excess Waiver Where your vehicle has comprehensive cover and the driver of your vehicle is involved in an accident caused by an uninsured motorist, we will refund the amount of any excess which has been paid. You must provide us with: vehicle registration and the make/model of the other vehicle; and the other vehicle s driver s details. This promise only applies where the driver of your vehicle was not at fault for the accident. Uninsured Driver Promise If the driver of your van is involved in an accident caused by an uninsured motorist, we will agree to allow the No Claim Discount, even when we are unable to make a recovery, subject to you being able to provide: the vehicle registration and the make/model of the car; and the driver s details. This promise only applies where the driver of your van was not at fault for the accident. Exceptions to Section 1 of your policy Your policy does not cover the following: 1. Loss of use, wear and tear, reduction in value, mechanical, electrical or electronic breakdown, or computer equipment, failures, breakdowns or breakages. 2. Loss or damage arising from theft while the ignition keys of your vehicle have been left in or on your vehicle. 3. Damage to tyres caused by braking or by punctures, cuts or bursts. 4. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed. 5. Loss of value following a repair. 6. Loss or damage caused directly or indirectly by fire if your vehicle is equipped for the cooking or heating food or drink. 7. The confiscation or requisition or destruction under an order made by any government or public or local authority. 8. Loss or damage arising during or in consequence of riot or civil commotion occurring outside Great Britain, the Channel Islands and the Isle of Man. 10

11 Liability to Third Parties Section 2 Your liability to third parties We will insure you for any compensation you may have to pay (and any expenses we agree) as a result of you being legally liable following: death or bodily injury to anyone else for an unlimited amount; and damage to anyone else s property, up to 2,000,000 for any one claim or all claims arising from any one incident. This section only applies if the death, bodily injury or damage arises out of an accident caused by or in connection with: your vehicle, including its loading and unloading; or any trailer while it is being towed by your vehicle. In respect of terrorism where we are obliged by the Road Traffic Acts, to provide insurance, the maximum amount we will pay for damage to property as a result of any accident or accidents caused by your vehicle or vehicles being driven or used by you or any other person, and for which cover is provided under this section, will be: 2,000,000 in respect of all claims resulting directly or indirectly from one cause or such greater sum as may be required to meet the minimum insurance requirements of the Road Traffic Acts. Liability to other people who drive or use your vehicle On the same basis as we insure you under this section, we will also insure the following people: any person you give permission to drive your vehicle, as long as your certificate of motor insurance allows that person to drive; any person you give permission to use (but not drive) your vehicle for social, domestic and pleasure purposes, as long as that use is included on the certificate of motor insurance; any passenger travelling in or getting into or out of your vehicle. Insurance for the owner of the vehicle (leasing or contract hiring agreements) If we know your vehicle is the subject of a leasing or contract hire agreement between you and the owner of your vehicle, we will insure the owner in the same way that we will insure you under this section if there is an accident while your vehicle is let, on hire or leased under the agreement, as long as your vehicle is: not being driven by the owner; not being driven by a person who is employed by the owner; or in the charge of but not being driven by the owner or any person who is employed by the owner; and: the owner cannot claim under another policy; and the owner follows the terms, exceptions and conditions of this policy as far as they can. Insurance for legal personal representatives If anyone who is insured under this section dies, we will protect his or her legal personal representatives against any liability that the person had which is covered under this section. Legal costs We will pay the fees and disbursements of any legal representative we agree to, to defend anyone we insure under this section, following any incident which is covered under this section: at a coroner s inquest; at a fatal accident inquiry; in any proceedings brought under the Road Traffic Acts or equivalent European Union legislation. We will not pay representation for: a plea of mitigation (unless the offence you are charged with carries a custodial sentence); appeals. Cross liabilities Where there is more than one insured person named in your schedule, each one will be covered as if they are the only insured person covered under this policy. But we will only pay up to 2,000,000 for damage to anyone else s property for any one claim or a number of claims relating to one incident. 11

12 Application of policy limits If there is an accident which involves us paying more than one person, any limitation under the terms of this policy or any clause relating to the maximum amount payable will apply and we will settle your payment first. Exceptions to Section 2 of your policy We will not cover the following: 1. Any claim if any person insured under this section fails to follow the terms, exceptions and conditions of this policy as far as they apply, or if they are entitled to claim payment under any other insurance policy. 2. The death of or bodily injury of any employee of the person who is insured which arises out of the course of their employment, except where liability must be covered by us under the Road Traffic Acts. 3. Loss or damage to property that: a) belongs to or is in the care of anyone we insure who claims under this section; or b) is being carried in your vehicle. 4. Loss, damage, death or bodily injury caused or which happens beyond the limits of any carriageway or thoroughfare and involves anyone, other than the driver or attendant of your vehicle, bringing a load to your vehicle for loading or taking a load away from your vehicle after unloading it. 5. Damage to premises (or to the fixtures and fittings) attaching solely as occupier (not as owner) where the damage is insured by another policy. 6. Damage to any vehicle where cover in connection with how the vehicle is used or driven is provided under this section. 7. All loss, damage, death or bodily injury caused directly or indirectly by pollution or contamination, unless it is caused by a sudden, identifiable, unintended and unexpected incident which happens in total at a specific time and place during the period of insurance, unless the liability cover is a requirement of the Road Traffic Acts. For the purposes of this exception, pollution or contamination means all pollution or contamination of buildings or other structures, or of water, land or the atmosphere. 8. The death, bodily injury or illness of any person caused by food poisoning, anything harmful contained in any goods supplied, or any harmful or incorrect treatment given at or from the vehicle. 9. All loss, damage, death or bodily injury while your vehicle is being used in: a) the part of an aerodrome or airport that is provided for aircraft to take off and land; b) aircraft parking areas, including the associated service roads and ground equipment areas; and c) areas of passenger terminals which come within the customs examination area, except where this liability must be covered by the Road Traffic Acts. 10. To any consequence whatsoever resulting directly or indirectly from or in connection with terrorism, regardless of any contributory cause or event, except where such liability is required to be covered by the Road Traffic Acts. 12

13 Additional Covers Section 3 Injury to you or your partner If you or your partner suffer accidental bodily injury in direct connection with your vehicle, we will pay 2,500 if, within three months of the accident, the injury is the only cause of: death; permanent loss of sight in one or both eyes; or loss of any arm or leg. The most we will pay any one person after any accident is 2,500. The most we will pay any one person during any one period of insurance is 5,000. If you or your partner have any other policies with us for any other vehicle or vehicles, you will only be compensated for your injuries under one policy. Exceptions to Section 3 of your policy We will not pay for death or bodily injury arising from suicide or attempted suicide. Section 4 Medical expenses If you or any other person in your vehicle is injured as a direct result of your vehicle being involved in an accident, we will pay for the medical expenses arising in connection with that accident. The most we will pay for each injured person is 100. The cover under this section applies irrespective of fault. Exceptions to Section 5 of your policy We will only cover treatment approved and provided by a chartered physiotherapist we appoint under this section of the policy. Physiotherapy will end once the physiotherapist believes any further treatments will not benefit you or if the limit under this section has been reached, whichever happens first. The person driving must be entitled to drive as shown on your current certificate of motor insurance. Section 6 Personal belongings We will pay you (or, at your request, the owner) for the value of loss or damage caused to personal belongings by fire, theft or an accident while the belongings are in or on your vehicle. The maximum amount payable for any one incident is 100 subject to you making a claim under Section 1 of your policy. Exceptions to Section 6 of your policy We will not pay for: 1. Money, stamps, tickets, documents or securities; or 2. Goods or samples, tools, ropes or tarpaulins carried in connection with any trade or business. Exceptions to Section 4 of your policy Any physiotherapy treatment. Section 5 Physio Fast The cover and service under this heading only applies if it is shown on your policy schedule. Treatment from a chartered physiotherapist we have appointed who believes treatment will help your recovery. The most we will pay for each injured person is

14 Section 7 Tool cover We will repair, replace or pay you (or the owner) for the loss or damage to tools caused accidentally or by fire or theft while they are inside your vehicle subject to you making a claim under Section 1 of your policy. The maximum amount we will pay for any one incident is 500. A payment made under this section will affect your no-claims discount. Exceptions to Section 7 of your policy We will not pay for: 1. Goods, samples, stock and materials, personal effects. 2. Personal belongings. 3. Loss by theft when your vehicle was unlocked. Theft must have involved forcible entry to your vehicle. 4. Any tools in an open backed vehicle unless such tools are contained within a locked secure tool chest which is permanently attached to the chassis. Section 8 Emergency treatment We will refund any person using your vehicle for payments they have to make under the Road Traffic Acts for emergency medical treatment. A payment made under this section will not affect your no-claim discount. Section 9 No Claim Discount If you do not make a claim under your policy, your renewal premium will be reduced in line with our scale of no-claim discount that applies at the time. You will not earn a no-claim discount under a policy that you have had for less than 12 months. If we agree to transfer this policy to another person, the no-claim discount that you have already earned under this policy will not apply to the person who the policy is being transferred to. If this policy applies to more than one vehicle, the no-claim discount will apply as if a separate policy has been issued for each vehicle. Section 10 Foreign use and compulsory insurance requirements As well as providing cover within the territorial limits, this policy, in line with European Union directives, also provides the necessary cover to meet the laws on compulsory insurance of motor vehicles in: any other country which is a member of the European Union; and any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 8 (1) of EC Directive 2009/103/EC relating to civil liabilities arising from using a motor vehicle. The level of cover provided will be the minimum needed to follow the laws on the compulsory insurance of motor vehicles of the country in which the accident happens. Where the level of cover in any European Union Member State is less than that provided by the legal minimum requirements of Great Britain, the level of cover that applies in Great Britain will apply in that Member State. If you take your vehicle abroad The cover described above only meets the minimum legal requirements while you are abroad. If you ask us, we can extend your policy to provide the same level of cover in the rest of the European Union and certain other European countries as you have within the territorial limits. To get this cover you must give your insurance adviser details of the trip. Your adviser will arrange for a clause to be added to your policy to provide this cover, and will (where appropriate) give you a Green Card and tell you the extra premium you will have to pay. Section 11 Replacement locks If your ignition keys are lost or stolen we will pay the cost of replacing the: affected locks, lock transmitter and central locking interface, affected parts of the alarm and/or immobiliser, provided that you can establish to our reasonable satisfaction that the identity or garaging address of your vehicle is known to any person who may have stolen or found your ignition keys and the value of the claim does not exceed the market 14

15 value of your vehicle. In the event of any claim under this section, the courtesy van benefits under Section 13 are applicable. Your no-claim discount will not be affected and no excess is applicable when making a claim under this section. Section 12 Breakdown Assistance The cover and service explained in this section only applies if it is shown in your schedule. The cover is only available to motor vehicles not exceeding 3.5 tonnes gross vehicle weight. Definitions Below are certain words or phrases that have a specific meaning in this policy section. If there is a conflict between a definition in this policy section and a definition elsewhere, the definition in this policy section will apply. Wherever the following words or phrases appear in bold they will have the following meaning: Accident means an accidental crash immobilising the insured vehicle. Breakdown means unforeseen mechanical or electrical failure during the period of cover in the UK which has either immobilised your vehicle or made it unsafe to drive. Claim means a call/claim for assistance under this policy. Fulfilment Material means the confirmation of policy coverage provided to you by us or on our behalf. Home means your permanent residence in the United Kingdom. Period of Cover means the period stated on your motor insurance policy schedule. Policy means your Mercedes-Benz breakdown assistance as set out in this document. Resident of the United Kingdom means a person living permanently in the United Kingdom or a person employed by a company having its registered office in the United Kingdom. Specialist Equipment is equipment not carried by RAC patrols or RAC contractors and includes but is not limited to winching and specialist lifting equipment. The Party/Your Party means the persons (including you) travelling with you in the vehicle. United Kingdom/UK means England, Scotland, Wales, Northern Ireland and for the purpose of this document includes Jersey, Guernsey and the Isle of Man. Vehicle means the vehicle specified in the fulfilment material being eligible to receive services under this policy. Vehicle Licensing Agency means the Driver and Vehicle Licensing Agency (DVLA), Swansea SA6 7JL responsible for registration of vehicles in the UK and the equivalent authority in Northern Ireland for vehicles in Northern Ireland, or the Isle of Man Department of Transport for customers living in the Isle of Man. We/Our/Us/RAC means RAC Motoring Services and/or RAC Insurance Limited. You/Your means the person or persons named on the policy/related motor insurance policy in the fulfilment material when driving the vehicle, or any other person driving the vehicle with the owners consent. How to obtain assistance in the UK If you are unfortunate enough to break down please follow these simple steps: Call the appropriate number stated below. Have to hand your policy number and vehicle registration. Advise the operator of the location of your vehicle and the nature of the fault. RAC will then advise how to proceed and what form of assistance would be the most appropriate. Remember to always call RAC first. Please do not go ahead and make your own arrangements as RAC cannot reimburse costs incurred without prior authorisation. UK (Freephone). The telephone number is correct at the time of printing (March 2015). Calls may be recorded and/or monitored. Customers with hearing difficulties will need to prefix before dialling the relevant number to be connected to Type talk or use the SMS facilities on

16 Services in the UK Cover applies to vehicles registered with the relevant Vehicle Licensing Agency only. Roadside If you are stranded on a public highway (or other road or area to which the public has the right of access) as a result of a breakdown to your vehicle, we will send an RAC patrol or contractor to help you. We will try to repair your vehicle at the roadside. Roadside includes labour at the scene of the breakdown (but not labour at any garage to which the vehicle is taken). If we cannot repair the vehicle at the roadside or if we believe repairs are unwise or cannot be completed within a reasonable time, we will take the vehicle and up to 8 people to a destination of your choice within 10 miles of the scene of the breakdown. If you have no preferred destination, we will take the vehicle to a nearby garage. If you wish the vehicle to be taken to any other destination, you will have to pay for the towage costs for the whole distance. If you need to leave your vehicle at the garage we will reimburse you for taxi fares up to 20 miles (a receipt must be obtained). Roadside does not cover: breakdowns which would be prevented by routine servicing of your vehicle. routine servicing of the vehicle. any labour other than that incurred at the roadside including, without limitation, garages. 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, road toll and congestion charges. vehicles being demonstrated or delivered by motor traders, or used under trade plates. vehicles, which in the reasonable opinion of our patrol or contractor, had broken down or were unroadworthy before you took out your policy. vehicles, which break down within 1 / 4 mile of your home address or where you normally keep the vehicle. contaminated fuel problems. We will arrange for your vehicle to be taken to a local garage for assistance, but you will have to pay for the work carried out. the cost of parts, fuel or other supplies. any vehicle storage charges incurred when you are using our services. breakdown caused by or following an accident, fire, theft or act of vandalism. In these circumstances please call the Mercedes Benz Insurance Assistance claims line. If you call RAC for assistance following such an incident you will be liable to pay us for removal (subject to the terms of your insurance policy, you can then reclaim these costs through your insurance). the tow or transport of any vehicle, which, in our reasonable opinion, is loaded beyond its legal limit. any vehicle in a position where we cannot work on it or tow it, or wheels have been removed, we can arrange to rectify this but you will have to pay the costs involved. any animals in your vehicle, please note that their onward transportation is at our discretion and solely at your risk. We will not insure any animal, including livestock in transit, during any onward transportation we undertake. Recovery Recovery has the same terms and conditions as Roadside but with the following variations: If we cannot get your vehicle repaired locally within what we deem to be a reasonable time, we will take the vehicle and up to 8 people home or to a single address anywhere else within the UK. If there are more than 5 people this may require two separate vehicles. An adult must accompany any persons under the age of 16. You can use Recovery if you are ill, and there are no passengers who can drive the vehicle, so that you cannot continue your trip. You must show us a doctor s medical certificate confirming your inability to drive (in these cases, we will provide this service as we see fit). Residents of Northern Ireland are also entitled to be recovered from the Republic of Ireland. Recovery does not cover: any vehicle which in our reasonable opinion was broken down or unroadworthy at the time you took out your policy. the use of Recovery as a way to avoid paying repair costs. 16

17 a second recovery if: a) the original fault has not been repaired properly by a party other than RAC; b) RAC have advised you that it is a temporary repair; or c) the desired destination cannot accept the vehicle due to company opening hours or other restrictions. If a second recovery is required this service can be provided but a charge will be made dependent on the service required, time of day and distance. These charges will be payable by credit/debit card prior to the relevant service being provided. Service within 24 hours of commencement of this policy. At Home At Home has the same terms and conditions as Roadside but with the following variations: At Home allows you to use Roadside within 1/4 mile of your home address or where you normally keep the vehicle. At Home does not cover: the rectifying of failed or attempted repairs. the reimbursement of taxi fares. service within 24 hours of commencement of this policy. recovery of the vehicle. Policy requirements and limitations Credit card details We will require your credit card details if we arrange a service for you which is not covered by the terms and conditions or if it exceeds the limits set out in the part entitled Terms and Conditions. If you do not provide us with your credit card details RAC will not be able to provide certain services which will be notified to you when credit card details are requested. Caravans and trailers The vehicle restrictions in this policy apply equally to caravans and trailers except that the maximum length of trailers and/or caravans must not exceed 7.6 m. If the vehicle which has suffered a breakdown is towing a caravan or trailer and we provide recovery, the caravan or trailer will be recovered together with the vehicle to a single destination. Other than as set out in this paragraph caravans and trailers are not covered by this policy. We do our best to find solutions to motoring problems, but we regret we cannot arrange a replacement caravan or trailer in the event of breakdown or accident damage which cannot be repaired. Unforeseeable losses or events Except in relation to any claim you may have for death or personal injury, if we are in breach of the arrangements under this contract, we will not be liable for any losses or damages which are not a reasonably foreseeable result of any such breach, for example, loss of profit, loss of revenue or anticipated savings, loss of contacts, or for any business losses. We do not guarantee the provision of any of the benefits under your policy, if there is anything beyond our reasonable control or the reasonable control of any service provider which prevents us or a service provider from providing that benefit. Benefits may be refused if you or any of your party behaves in a threatening or abusive way to any persons providing service under this policy. Taxi Bookings In some circumstances it can be quicker and easier for you to arrange a taxi. We may ask you to make your own arrangements for taxi service. If so please send your receipts to us and we will reimburse you. Battery related faults For battery related faults your policy entitlements are as follows: RAC s initial attendance for a battery related fault is included in your policy s entitlement. the fitting of any parts or batteries purchased by you prior to our attendance is not covered. This is to ensure that parts are fitted from reputable sources in order to avoid secondary callouts. RAC will test your battery at that initial breakdown attendance. If the battery is no longer serviceable and so fails the test you will be advised to replace it. if a condemned (non serviceable) battery is not replaced, we may provide further assistance to a battery related fault but in this case a separate charge will apply. The charge will be payable by credit or debit card before assistance can be arranged. 17

18 Exceptions to Section 12 of your policy In addition to any limits and exclusions noted elsewhere in this policy, we will not cover: 1. Costs for anything which was not caused by the incident you are claiming for. 2. Breakdowns in the UK resulting from road traffic accidents, vandalism, fire or theft. 3. Vehicles which have broken down as a result of taking part in any motor sport event (including, without limitations rallies or stock car racing) which takes place off the road and/or is not subject to the normal rules of the road. However, vehicles participating in any event (such as a treasure hunt, touring assembly or navigational road rally), which takes place on, and comply with the normal rules of the road will be covered. 4. Any claim if the vehicle suffers a breakdown at a motor traders premises, garage or premises offering vehicle repair. 5. The cost of all parts, garage, labour or other costs in excess of your policy limits set out in the part entitled Terms and Conditions. 6. Loss caused by any delay, whether the benefit or service is being provided by us or someone else (for example a garage, hotel, car hire company, carrier, etc). 7. Any incident affecting a vehicle hired under the terms of this policy. 8. Routine servicing of your vehicle. 9. The cost of a glass or tyre specialist. We will arrange for your vehicle to be taken to a nearby garage for assistance but you will have to pay for any work carried out on the vehicle. Any other recovery may be arranged but you will be liable for any additional costs. 10. The cost of a locksmith if you lose, break, or lock your keys in your vehicle. If we are unable to open your vehicle, we will arrange for a locksmith to attend where available, but you will be responsible for the costs. If a locksmith is not available, we will arrange for your vehicle to be taken to a nearby garage for assistance but you will have to pay for any work carried out on the vehicle. Any other recovery may be arranged but you will be liable for any additional costs. 11. Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event: a) War, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power. b) Terrorism Terrorism is defined as any act or acts including, but not limited to: i) the use or threat of force and/or violence; and/or ii) harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage by nuclear and/or chemical and/ or biological and /or radiological means caused or occasioned by any person(s) or group(s) of persons in whole or in part for political, religious, ideological or similar purposes including, but not limited to, the intention to influence any government and/ or to put the public or any section of the public in fear, or is claimed to be caused or occasioned in whole or in part for such purposes. c) Any action taken in controlling, preventing, suppressing or in any way relating to (a) or (b) above. 12. Any claim caused directly or indirectly by the overloading of your vehicle and/or any caravan or trailer. 13. Any claim as a result of vehicle breakdown due to: a) running out of oil or water; b) frost damage; c) rust or corrosion; d) tyres which are not roadworthy; e) using the incorrect fuel. 14. Any claim caused directly or indirectly by the effect of intoxicating liquors or drugs. 15. Any claim where your vehicle is being driven by persons who do not hold a full United Kingdom or other recognised and accepted driving licence valid for use in the United Kingdom. 18

19 16. Any claim which you have made successfully under any other policy of insurance held by you. If the value of your claim is more than the amount you can get from your other insurance we may pay the difference subject to these policy limits and exclusions. 17. The cost of any transportation, accommodation or care of any animal. Any onward transportation is at our discretion and solely at your risk. We will not insure any animal during any onward transportation we may undertake. 18. Any period outside your period of cover. 19. Any vehicle other than a car, motor caravan, minibus fitted with not more than 17 seats including driver, light van, estate car, MPV or 4x4 sport utility vehicle and provided that the vehicle conforms to the following specification: a) maximum legal laden weight of 3,500kg (3.5 tonnes). This weight is called the Gross Vehicle Mass (GVM); b) maximum overall dimensions of: length 5.5m; height 3m; width 2.3m (all including any load carried). The vehicle restrictions apply equally to caravans and trailers except that the maximum length of trailers and/or caravans must not exceed 7.6 m. If the vehicle which has suffered a breakdown is towing a caravan or trailer and we provide recovery, the caravan or trailer will be recovered together with the vehicle to a single destination. Other than as set out above caravans and trailers are not covered under this policy. 20. Any claim by you unless you are a Resident of the United Kingdom and the vehicle is registered with the relevant Vehicle Licensing Agency. 21. Any vehicle carrying more persons than recommended by the manufacturer, up to 8 persons maximum (including the driver). For minibuses the maximum is increased to 17 persons (including the driver). Each person must occupy a separate fixed seat fitted during vehicle construction and to the manufacturer s specification. 22. Your vehicle if it is unattended. 23. Any personal effects, valuables or luggage left in your vehicle or in any trailer, boat or caravan or any other item being towed by or used in conjunction with the vehicle. These are your responsibility. 24. Specialist Equipment costs. We will however arrange for the specialist services if needed, but you will have to pay for any additional costs direct to the contractor. 25. Any costs which are not directly covered by the terms and conditions of this policy. 26. Vehicles which were broken down/had suffered a breakdown or unroadworthy at the start of this policy. 27. It is a legal requirement that vehicles used or recovered with their wheels in contact with the public highway must have a valid current excise licence. Where no current excise licence is displayed we will attempt to fix your vehicle at the roadside but will not provide any other service or benefit. The above is not applicable to those vehicles exempt under Section 5 of the Vehicle Excise and Registration Act 1994 (which include certain types of vehicles, including certain old vehicles, agricultural vehicles and emergency vehicles) or under Section 5 of the Vehicle Duty Order 2010 in Isle of Man. For further information please contact either DVLA at or Vehicle Licensing, Dept of Transport for Isle of Man at transport/highways/dandv/welcome.xml. 28. The costs of any parts provided by RAC to fix your vehicle at the roadside must be paid in full by credit/debit card at time of breakdown before work can commence. General Period of Cover means the period stated on your motor insurance policy schedule. this policy will automatically terminate in the event that your related motor insurance policy terminates. Data protection For the purposes of the Data Protection Act 1998, the data controller in relation to the information you supply is RAC Motoring Services (RACMS), (Company No: ), RAC House, Brockhurst Crescent, Walsall, West Midlands WS5 4AW. 19

20 RACMS will share the information you provide, together with other information, with our group companies. We (RAC group companies) may use this for administration, marketing, customer services and profiling your purchasing preferences. We may disclose your information to our service providers and agents for these purposes. We may keep your information for a reasonable period to contact you about our services. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. Where this happens, we will ensure that anyone to whom we pass your information agrees to treat your information with the same level of protection as if we were dealing with it. When you give us information about another person, you confirm that they have authorised you to act for them, to consent to the processing and use of their personal data in the manner described in this notice and to receive on their behalf any data protection notice. You have the right to ask for a copy of your information (for which we will charge a small fee) and to correct any inaccuracies. We may record telephone calls for staff training and evidential purposes. We offer motoring and travel related products such as breakdown services, hotel bookings and vehicle inspections, sales and leasing. We also offer financial products such as insurance, loans and credit cards. We may also share your information with our business partners. We, or they, may contact you by mail, telephone, fax, or SMS/ MMS to let you know about any goods, services or promotions that may be of interest to you. If you decide you do not wish to receive such information in these ways please inform us but remember this will prevent you from receiving our special offers or promotions. To contact us write to us at: RAC Motoring Services Customer Services Department (DP) FREEPOST 186 PO Box 408 Bristol BS99 7BR Section 13 Courtesy van cover This section applies if you have chosen replacement van cover as shown in your policy schedule. If an insured incident has been reported to us, a claim (not including glass) has been made for that vehicle and your vehicle is not available for you to use, the supplier will supply a replacement vehicle for up to the maximum period as shown on your schedule until: your vehicle is recovered; your vehicle is repaired; or we make a settlement offer (where your vehicle is beyond economical repair); if this happens before the end of the maximum period shown on your schedule. During this period the vehicle will be insured as a replacement vehicle under this policy. However, if cover on your vehicle is restricted to third party fire and theft, the cover on the replacement vehicle will be increased to comprehensive cover. All sections of the policy except Section 12 will then apply. Any incident relating to the replacement vehicle may affect your no-claim discount. You will be responsible for: the cost of fuel used; collection and delivery charges (if they apply); any charges for fitting accessories; any excess which would have applied to your vehicle which is temporarily replaced; and all charges and costs where the vehicle is on hire for more than seven days in a row. The replacement vehicle will be a: car-derived van (a van styled on the car equivalent) if your vehicle is a light goods vehicle up to 1.8 tonnes gross vehicle weight; or panel van if your vehicle is a light goods vehicle between 1.8 and 3.5 tonnes gross vehicle weight. Replacement vehicles supplied under this section will be of standard type and will not include: specialised vehicles such as pick-up trucks, tippers or refrigerated vans; or any trailers, semi-trailers or caravans. 20