Essential Terms & Conditions

Essential Terms & Conditions S I L V E R M E M B E R S H I P Issue 5, 2015

Welcome Welcome to your Silver AA Membership. You are now entitled to an enhanced level of breakdown cover and other benefits in addition to the breakdown cover provided under your Membership. This booklet outlines the Essential Terms and Conditions that you need to know about the great benefits that are available with Silver Membership. Please ensure you read the Terms and Conditions of each benefit to understand where these are eligible. Please note this booklet only provides information relating to the additional breakdown benefits which are available with Silver Membership. This does not include the full Terms and Conditions of the AA breakdown service. These can be found in the AA Membership Terms and Conditions booklet which can be viewed online at theaa.com/policy. Or, to receive a copy in the post, call us on 0343 316 4444. The Essential Terms and Conditions are split into two sections. Part one gives the Essential Terms and Conditions of the available Silver insurance benefits and their associated offers. Part two gives the Essential Terms and Conditions of Silver benefits which do not relate to insurance. For European Breakdown Cover you will receive a copy of the full Terms and Conditions booklet in the post with your confirmation pack after you choose to register for the benefit. Valid for: Members renewing on Annual Policies from 1st September 2015. Members renewing on Continuous Quarterly Policies renewed on or after 17th September 2015. Members renewing on Continuous Monthly Policies on or after 7th October 2015. Text Phone users can contact us using Next Generation Texting by prefixing any of our numbers with 18001. Information is also available in large print, Braille and audio on request. Please call for details on 0800 262 050. 2

Contents Part One: Silver Membership Essential Terms and Conditions Insurance Benefits AA European Breakdown Cover Conditions of the offer...5 AA European Breakdown Cover Policy Summary...6 AA Accident Management Policy Summary...9 AA Accident Management Terms and Conditions...11 AA Junior Associate Cover Conditions of the offer...14 Part Two: Silver Membership Essential Terms and Conditions Non-Insurance Benefits Legal Assistance Helpline Conditions of use...16 Vehicle Helpline and Garage Quote Checker Conditions of use...16 AA Enhanced Breakdown App...16 AA company details...17 Useful contact information...20 3

4 Part One: Silver Membership Essential Terms and Conditions Insurance Benefits

AA European Breakdown Cover Conditions of the offer The AA European Breakdown Cover policy must be in the name of the main UK Membership policyholder (not any other associates on the Membership). This offer is available on single trip policies, annual policies and for renewing customers. Silver Membership entitles the main Member to use the discount equivalent to: 1 day of AA European Breakdown Cover applied up to 3 times within the UK Membership policy year OR 5% off AA European Breakdown Cover for one annual policy during the UK Membership policy year This benefit is only available by calling 0800 316 9977 to activate AA European Breakdown Cover before travelling overseas and you will need to provide us with your intended dates of travel. The offer can be applied to take a trip of 1 day for zero premium, or alternatively discounted against the price of a longer trip. Key exclusions This offer is not available on AA European Breakdown Cover Lite or AA European Breakdown Cover Short Break or any policies sold online. The discount is applied to the base price of the policy only. If the optional benefit of Parts and Labour and / or the option to cover a towed caravan or trailer is added to the policy, these supplements will be paid in full. The discount can be used a maximum of 3 times within the UK Membership policy year (once for annual policies) and no element of this can be transferred to the following year. With the exception of the UK Membership discount, this offer can not be used in conjunction with any other offer. Please note: if You wish to use this benefit, You must call to purchase and/ or activate an AA European Breakdown Full Cover policy before travelling overseas. We cannot provide assistance for a breakdown in Europe if You have not done this. 5

AA European Breakdown Cover Policy Summary Full Terms and Conditions will be sent to you if you take out a policy. This policy summary provides you with the key details of your AA European Breakdown Cover. This is not a statement of the full Terms and Conditions of your cover, which can be found in your policy wording, located in the full Terms and Conditions and should be read together with your Statement of Insurance. AA European Breakdown Cover will arrange roadside assistance for you and your party following a breakdown or accident when you are travelling within the geographical limits (as defined on page 13 of the policy booklet). AA European Breakdown Cover is not motor vehicle insurance. It is your responsibility to check with your motor insurers to extend your motor vehicle insurance to provide comprehensive overseas cover. (Failure to do so may reduce your cover to the national legal minimum level of motor insurance in the countries you are visiting). If you have a Road Traffic Accident, you must supply your motor vehicle insurance details to us when we ask for this information. You must report the accident to the insurer as instructions for the repair or recovery of the vehicle can only be taken from them. Your AA European Breakdown Cover is underwritten by Acromas Insurance Company Limited. Please ensure that you review your cover periodically to ensure that it remains suitable to your needs. 1. Features and benefits of AA European Breakdown Cover Types of insurance and cover The table below is a summary of the key features, benefits and claim limits of your policy. Full details of cover, showing restrictions and limitations are shown in the separate full policy booklet. All claims limits are inclusive of any VAT. Features and benefits Duration of trip Overall Claim Limit (excluding unaccompanied vehicle recovery, legal benefit and, if purchased, optional Parts and Labour benefit) Single Trip, Single Trip Group, Annual Multi Trip and Annual Long Stay Trip Policies Unlimited number of trips for an Annual Multi-trip policy (Each individual trip must not exceed 90 days). Annual Long stay Multi trip policies are from 90-350 days. Single trip and group single trip policies are from 1 to 364 days. There is no overall claim limit per party per Trip. Please note that although there is no overall claim limit, there are separate limits for some individual benefits that will apply. There is no limit to the number of claims made on any Single trip policy. Up to 3 claims may be made per year for any Annual policy. 24 hour English Speaking Assistance Access to a 24 hour English speaking call centre and translation service 7 days a week, 365 days a year. 6

2. What s covered Benefit type and limit Unlimited Roadside Assistance. Onward Transport. Up to 1,500* for single trip, Annual Multi Trip and Annual long stay policies. Onward Transport 1,800* single trip for group cover policies (9-15 persons). *Any claims made from sections 2,4,8 or 11 are part of these limits. Accommodation. Up to 500 for emergency accommodation in Europe. Accommodation. 1,080 for single trip group cover policies (9-15 persons). Vehicle recovery home or to your original destination within the geographical zone as shown on your Statement of insurance. Section in the booklet Section 1. Section 3. Section 6. Section 2. Section 4. Section 8. Section 11. Section 5. Section 7. Cover Roadside Assistance in the UK, Channel Islands or Isle of Man up to 72 hours prior to the planned departure date of your trip. Roadside Assistance in Europe for the duration of your trip. Parts location and despatch to Europe (cost of parts not covered). Emergency car hire in the UK, Channel Islands or Isle of Man for up to 72 hours prior to the planned departure date of your trip (max 120 per day, 150 per day for group cover policies). Alternative travel arrangements in Europe. A contribution towards the costs of either or a combination of the following: Hire vehicle costs (max 120 per day, 150 per day for group cover policies). Economy air fares Standard class rail tickets Other transport costs (such as local taxi fares) Missed Connection cover. Up to 48 hours Hire car on return to the UK, Channel Islands or Isle of Man if your car is being recovered under section 7 (max 120 per day, 150 per day for group cover policies). Up to 500 per party ( 1,080 for group cover policies), limit of 60 per person, per night. To recover your vehicle to your home or repairer in the UK, Channel Islands or the Isle of Man or onward to your original destination (But only where cost of recovery does not exceed your vehicle s current market value). Up to 120 vehicle storage charges. Vehicle collection. Section 9. One person s pre-agreed travel and accommodation costs to collect your vehicle where the vehicle has remained in Europe for the completion of repairs. 200 Break-in benefit. Section 10. Up to 200 towards the cost of emergency repairs to locks and windows following an attempted theft of or from your vehicle. This benefit is on a pay and claim basis. Up to 50,000 Legal Costs Benefit. Parts and Labour cover (optional benefit). Section 12. Section 13. Up to 50,000 for costs of help and advice after a road traffic collision. Bail bond guarantee up to 1,500. Up to a maximum claim limit of 500 (including VAT) for parts and labour required, following the breakdown of your vehicle. Message relay service. Section 14. If your vehicle cannot be driven because of a breakdown or accident, messages can be relayed via the AA to your family or close business associates. 7

3. Significant and Unusual Exclusions or Limitations AA European Breakdown Cover will not cover Parts and Labour (other than labour costs incurred at the roadside) unless the optional benefit has been purchased. Additional costs incurred as a consequence of an animal travelling with you or your party. Any claim for loss, damage or loss of use of personal effects, goods, vehicles, boats or other waterborne craft on or in your vehicle and/or trailer. The cost of recovery to your home or to your original destination where this exceeds the current market value of your vehicle. Any further recovery assistance for the full duration of that trip, if you choose to have your vehicle recovered onward to your original destination. Vehicle recovery is not AA Relay and vehicles will usually be brought back unaccompanied. AA Patrols (that is AA branded patrols who are employed by The Automobile Association Limited) do not generally operate in Europe. Roadside assistance will usually be provided through a garage or, if you are visiting a country where a motoring organisation operates, we may arrange for a patrol of a local organisation to assist. (Please see General Condition 16 on page 25 of the policy booklet for full details). European garage mechanics and patrols are unlikely to speak English. Your AA European Breakdown Cover will provide a translation service for you. If you need help, ring the 24-hour AA European Operations Centre on 00 800 88 77 66 55. 4. What if I need to claim? If your vehicle is stranded on the highway as a result of Breakdown or Accident, within the duration of your trip, you should call 00 800 88 77 66 55 for assistance. For ongoing assistance and claims under the remaining sections of your policy call 01256 493 730. 5. What if I want to cancel my AA European Breakdown Cover? You have the right to cancel your AA European Breakdown Cover policy and the optional Parts and Labour benefit within 14 days ( the cooling off period ) commencing either from the agreement of the contract (which is the renewal date when renewing Annual Multi Trip and Annual Long Stay policies) or the receipt of the policy documents, whichever happens later. The following refund policy will apply for cancellations within the cooling off period: a) If you cancel during the cooling off period and before the stated departure date you will be entitled to a full refund of your premium. b) If you cancel during the cooling off period, but on or after the stated departure date, you will: i) If you have purchased a policy of more than one month s duration, be entitled to a refund of your premium, less our administration charge. ii) If you have purchased a policy of less than one month s duration, have no right to a refund. If you wish to cancel after the cooling off period has expired, subject to any relevant statutory rights you may have, we will not be obliged to give refunds for any unexpired portions of cover. If you would like to cancel your policy, please phone us on 0344 209 0081 and return your policy documents to: AA European Breakdown Cover Lambert House Cheadle SK8 2DY 6. What if I want to make a complaint? If you wish to register a complaint, there are several ways you can contact us: Phone: 0344 209 0556 Email: customersupport@theaa.com Post: Member Relations, The Automobile Association, Lambert House, Stockport Road, Cheadle, Cheshire, SK8 2DY Fax: 0161 488 7544 Text Phone users can contact us using Next Generation Texting by prefixing any of our numbers with 18001. If you remain unhappy with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service for help and advice. Acromas Insurance Company Limited is covered by the Financial Services Compensation Scehme (FSCS). You may be entitled to compensation from the scheme if Acromas Insurance Company Limited cannot meet its obligations. The amount of compensation depends on the type of business. General insurance provided by a regulated insurer such as Acromas Insurance Company Limited is covered for 90% of the claim, without upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 0800 678 1100 or 0207 741 4100. 8

AA Accident Management Policy Summary This policy summary provides you with basic details of your AA Accident Management Cover. This is not a statement of the full Terms and Conditions of Your policy, these can be found in AA Accident Management Cover Terms and Conditions on page 11 and should also be read in conjunction with Your AA Membership Policy Booklet and Statement of Insurance. In addition please see specific endorsements which apply to this benefit as some sections may be restricted or excluded, depending on Your individual circumstances. For the defined terms used in this Policy Summary, please see the Terms and Conditions on page 11. AA Accident Management 1. Who is Accident Management cover provided by? AA Accident Management is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). 2. Who is covered by Accident Management? The policyholder(s) of AA Accident Management cover as shown on your statement of insurance are covered for Road Traffic Accidents occurring in any vehicle they are travelling in at the time of the accident in accordance with the vehicle specifications provided on page 13 of your AA Membership Terms and Conditions. 3. What are the main features and benefits of this cover? AA Accident Management provides the following services to AA Members following a Road Traffic Accident: a. 24 hour phone assistance from specially trained staff who can provide a preliminary view of liability and options on the next course of action available to You; b. Assistance, at the roadside from an AA Patrol or our appointed agent who will attempt to make repairs necessary to make the vehicle safe to drive away from the scene of the Incident, where we believe it is possible to do so; c. Where a roadside repair is not possible, recovery of the Vehicle, together with the driver and up to a maximum of seven passengers who are travelling in it at the time of the Incident. This can be up to 50 miles from the Incident and can be to Your choice of one of the following: The nearest suitable repairer, Your point of departure, Your original intended UK destination, or Your home address. 4. Are there any significant or unusual limitations or exclusions to my cover? Full details of the restrictions which apply to AA Accident Management can be found in the main Terms and Conditions on page 12. Limitations a. The services provided under this policy are only available within the United Kingdom (see definition of Territorial Limits of the full Terms and Conditions on page 11). b. Claims under this policy will count as a claim against your AA UK Membership at the time of the Road Traffic Accident. c. We reserve the right to reclaim our recovery costs provided under this policy from the Insurer of a known third party driver, who was at fault for the Incident. No such claim will be made against Your motor insurer without Your agreement to do so. d. We will not make any financial contribution to the costs of specialist lifting equipment necessary to provide recovery of the Vehicle. e. We will make no financial contribution towards the costs of parts or labour necessary to make repairs to the Vehicle (with the exception of labour provided by an AA Patrol or our appointed agent at the roadside.) f. Where You do not request the services from us at the time of the Incident and/or where You arrange for assistance and recovery services to be provided by another provider, we will make no contribution toward the cost of these (either to You or the provider.) g. The service is limited to no more than three claims in any policy year. h. We will not be able to provide assistance within ¼ mile of Your home address, unless You hold the appropriate level of cover. 9

Exclusions The service will not be provided in instances, where: a. the removal has not been authorised by the police or a road traffic officer in attendance where we deem this to be necessary; b the Vehicle is considered in a safe condition to complete the original journey. 5. What if I need to make a claim? To make a claim call the AA on 0800 048 2678. If You fail to call this number in the first instance (or as soon as it is safe and practical to do so), Your entitlement to these services may be refused for that Incident. Please be prepared to provide Your Membership number or personal information required to identify You. 6. How long is this cover valid for? This cover is valid for the duration of Your AA Membership which is 12 months, unless You have Continuous Membership in which case cover will run until the main Member or the AA exercises their right to cancel. 7. What if I change my mind about continuing with this cover? AA Accident Management forms part of a package of Benefits within Silver and Gold AA Membership. This cover is provided to You at no extra charge to your AA Membership. Should You cancel Your AA Membership, Your AA Accident Management cover will automatically be cancelled. 8. What do I do if I am unhappy with the service I receive? If you wish to register a complaint, please contact us: In writing: Member Relations The Automobile Association Lambert House Stockport Road Cheadle Cheshire SK8 2DY Phone: 0344 209 0556 Email: customersupport@theaa.com Fax: 0161 488 7544 Text Phone users can contact us using Next Generation Texting by prefixing any of our numbers with 18001. 10

AA Accident Management Terms and Conditions Your insurer AA Accident Management is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). Definitions Some common terms are used to make this Policy easier to understand. Wherever the following words or phrases appear they will always have the meaning set out below. AA means: the relevant insurer of Accident Management being Automobile Association Developments Limited (trading as AA Breakdown Services) Incident means: where Your Vehicle has been involved in a Road Traffic Accident, and subsequent recovery from the scene (within the Territorial Limits). Services means: the assistance and recovery services provided under this policy. Territorial limits means: United Kingdom. We, us, our means: Automobile Association Developments Limited (trading as AA Breakdown Services). You, Your means: For Personal Membership, the Member and/or, if the context requires, any Joint or Family Member who has been nominated by the Member; and For Vehicle Membership, the Member and, if the context requires, any person who is travelling in, and who requests assistance for, a vehicle that is registered under Vehicle Membership with the AA. Your Vehicle means: For Personal Membership, the Vehicle which the Personal Member or any Joint or Family Member is travelling in at the time of the relevant breakdown or accident; and For Vehicle Membership, the Vehicle which has been registered for cover with the AA at the time of the relevant breakdown or accident; and provided always that any such Vehicle meets the Vehicle specification set out in the AA Membership Terms and Conditions booklet. Who is covered The policyholder(s) of AA Accident Management cover as shown on Your statement of insurance, are covered for Road Traffic Accidents occurring in any vehicle they are travelling in at the time of the accident in accordance with Your Vehicle specifications provided under Your AA Membership Terms and Conditions. Maximum Vehicle Weight: 3.5 tonnes (3,500Kg) gross vehicle weight. Maximum Vehicle Width: 7ft 6in (2.3m). AA Accident Management: We will provide the following assistance and recovery services to You following an Incident in line with Your level of Breakdown Cover: 1. AA Accident Management provides 24 hour phone assistance from specially trained AA staff who can provide a preliminary view of liability and options on the next course of action available to You. Any additional services may be provided for You by the AA or one of its chosen representatives. 2. AA Accident Management provides assistance, at the roadside from an AA Patrol or our appointed agent who will attempt to make repairs necessary to make Your Vehicle safe to drive away from the scene of the Incident, where We believe it is possible to do so. 3. Where a roadside repair is not possible, recovery of Your Vehicle, together with the driver and up to a maximum of seven passengers who are travelling in it at the time of the Incident. This can be up to 50 miles from the Incident and can be to Your choice of one of the following: The nearest suitable repairer, Your point of departure, Your original intended UK destination or Your home address. Duration of cover This policy will remain valid for the duration of Your Silver and Gold AA Membership. If You cancel or fail to renew Your Silver and Gold AA Membership this policy will become invalid. How to claim To make a claim call the AA on 0800 048 2678. It is important that You contact the AA because if You contact a garage or Your insurer direct You may have to settle the bill and the AA will not be obliged to reimburse You. Please be prepared to provide Your Membership number or personal information required to identify You. 11

General Terms and Conditions of AA Accident Management Limitations 1. The services provided under this policy are only available within the Territorial Limits. 2. Claims under this policy will count as a claim against Your AA Membership at the time of the Incident. 3. The service is limited to no more than three claims in any policy year. 4. We reserve the right to reclaim our recovery costs provided under this policy from the insurer of a known third party driver, who was at fault for the Incident. No such claim will be made against Your motor insurer without Your agreement to do so. 5. Services provided by us are subject to availability and may be supplemented by use of appropriate agents. We will only accept responsibility for the actions of our agents where the agent is acting on our instruction. 6. Should you require Your Vehicle to be recovered more than a maximum distance (50 miles) We may agree to do this, where You agree to pay additional charges prior to Services commencing (recovery following an Incident is not covered under AA Relay or AA Roadside entitlement). 7. We will not make any financial contribution to the costs of specialist lifting equipment necessary to provide recovery of Your Vehicle. 8. We will make no financial contribution towards the costs of parts or labour necessary to make repairs to Your Vehicle (with the exception of labour provided by an AA patrol or our appointed agent at the roadside). 9. Where You do not request the Services from us at the time of the Incident and/or where You arrange for assistance and recovery services to be provided by another provider, We will make no contribution toward the cost of these (either to You or the provider). 10. We will not be able to provide assistance within ¼ mile of your home address, unless you hold the appropriate level of Breakdown Cover. Exclusions 1. The AA reserves the right to refuse to provide or arrange assistance where the service request is for, or relates to: a. Unsafe, unroadworthy, unlawful etc vehicles i.e. where in the AA s reasonable opinion, immediately before the relevant breakdown or accident, Your Vehicle was dangerous, overladen, unroadworthy or otherwise unlawful to use on a public road. Without restricting the generality of the AA s rights under this provision, and Your responsibility to comply with all applicable legal requirements, please note that for a UK registered vehicle to be used or kept on a public road, and subject to any relevant exemption that may apply, the vehicle must have a current excise licence (that is, up to date vehicle tax), a current MOT test certificate and have in force valid motor insurance to the minimum level required under UK law; b. Your Vehicle is not on a dedicated public highway, or was not being used on a dedicated public highway at the time of the Incident; c. in our reasonable opinion, the giving of Services would involve a breach of the law including, without in any way restricting the type of breach referred to under this clause, a breach of our health and safety duties; d. the removal has not been authorised by the police or a road traffic officer in attendance where We deem this to be necessary; e. the Vehicle is considered in a safe condition to complete the original journey; f. the removal of Your Vehicle puts any of our employees, or agents working on our behalf or a member of the public at risk under our health and safety duties; g. we reasonably consider You or anyone accompanying You to be behaving or to have been behaving in a threatening or abusive manner to our employees, patrols, agents or any third party contractor; h. we suspect You or anyone accompanying You has caused or allowed deliberate or wilful damage or loss to be caused to Your Vehicle; i. we suspect the loss or damage to Your Vehicle occurred prior to the commencement of Your AA Accident Management Service. 2. While We seek to meet Your needs at all times, our resources are finite and this may not always be possible. We shall not be liable for service failures where We are faced with circumstances outside our reasonable control. Events which might constitute circumstances outside our reasonable control (but are not limited to) acts of God, outbreak of hostilities, riot, civil disturbance, acts of terrorism, acts of government or authority (including the refusal or revocation of any licence consent), fire, subsidence, explosion, flood, snow, fog or other bad 12

weather conditions, vehicle, equipment or system failures, shortages of fuel or others necessary supplies, failure of telecommunications lines or systems, default of suppliers or sub-contractors, theft, malicious damage, strike, lock out or industrial action of any kind. 3. Services do not provide for any ferry, toll or congestion charges, incurred in connection with Your Vehicle as a result of it being recovered. 4. We shall not, in any event, and to the extent permitted by law, have any responsibility for a) any increased costs of travel or other expenses, b) any loss of i) profit ii) business iii) contracts iv) revenue v) anticipated savings, or c) any special or indirect losses incurred as a result of or in connection with any service, whether resulting from tort (including negligence or breach of statutory duty), from breach of contract or otherwise. For the avoidance of doubt, nothing in this clause or these Terms and Conditions shall exclude or restrict our liability for negligence resulting in death or personal injury. 5. None of the Terms and Conditions, or benefits, of this Contract are enforceable by anyone else other than you. For the avoidance of doubt, and without limiting the above, any rights under The Contract (Rights of Third Parties) Act 1999, or any replacement or amendment of such act, are excluded. Cancellations AA Accident Management Service is a benefit that forms part of a package of Benefits within Silver and Gold AA Membership and is provided to you at no extra cost to Your AA Membership. Should You cancel Your Silver or Gold AA Membership, Your AA Accident Management cover will also be cancelled. Compliments and Complaints We aim to provide you with a high level of service at all times. However, there may be a time when you feel that our service has fallen below the standard you expect. If this is the case and you want to complain, we will do our best to try and resolve the situation. There are several ways you can contact us: Phone: 0344 209 0556 Email: customersupport@theaa.com Post: Member Relations The Automobile Association Lambert House Stockport Road Cheadle, Cheshire SK8 2DY Fax: 0161 488 7544 Text Phone users can contact us using Next Generation Texting by prefixing any of our numbers with 18001. We will either acknowledge your complaint within 5 working days of receipt, or offer you our final response if we have concluded our investigations within this period. If we acknowledge your complaint, we will advise you who is dealing with it and when we expect to respond. We aim to respond fully within 8 weeks. However, if we are unable to provide a final response within this period we will write to you before this time and advise why we have not been able to offer a final response and how long we expect our investigations to take. 13

AA Junior Associate Cover Conditions of the offer (Personal Membership only) This offer applies only to Personal Membership (Single, Joint or Family). Family Associates cover is not applicable to Vehicle based cover policies. Members with Vehicle based policies can call 0343 316 4444 to discuss upgrading to Personal cover to become entitled to this benefit. This cover provides Membership cover for up to 3 nominated people living at the Member s Home address, so long as they are under the age of 17. To activate your Family Associates cover, you will be required to nominate up to 3 persons living at the same residential address as the main AA Membership who are under the age of 17 at the time of nomination. You can do this by calling us on 0343 316 4444. AA Family Associates cover will afford the same breakdown entitlements to the nominated Associates as is available under the main AA Membership, no matter what vehicle they are travelling as passengers in at the time of the breakdown. It will also offer the same entitlements to the Accident Management service, Enhanced Breakdown App and Legal and Vehicle Helplines. However the nominated associate is not automatically entitled to European Breakdown Cover which must be registered in the name of the main Member. Limitations and Exclusions 1. AA Family Associates cover is only applicable to associates where the main AA Membership is Personal based cover (Personal; Single, Joint or Family). Family Associates cover is not applicable to Vehicle based cover policies. Members with Vehicle based policies must upgrade to Personal cover to be entitled to this benefit. 2. For the avoidance of doubt, the availability of this cover is limited to the maximum number of people entitled to cover on your policy. No Membership can exceed a maximum of four people. 3. This cover is limited to breakdown services including AA Roadside Assistance, AA Relay, AA Home Start and AA Stay Mobile (depending on entitlement of main AA Membership). Please note that all general Terms and Conditions of AA Membership apply to the cover extended to nominated Associates. 14

Part Two: Silver Membership Essential Terms and Conditions Non-Insurance Benefits 15

Legal Assistance Helpline conditions of use The Legal Assistance Helpline is provided by Lyons Davidson Limited, Victoria House, 51 Victoria Street, Bristol, BS1 6AD, using qualified legal professionals. Legal advice is free to AA Members by calling 0345 850 1130. Lines are open 24 hours a day, 7 days a week. Please note that this service provides legal assistance only and does not provide any level of legal representation. This service will not be able to give legal assistance regarding any medical condition or matter. The Legal Assistance Helpline is available to Silver AA Membership and Gold AA Membership policyholders only. You will be required to provide your Membership number at the start of the call to verify your entitlement to use this service. There are no restrictions to the number of times you can call the AA Legal Assistance line however Automobile Association Developments Limited (trading as AA Breakdown Services) reserve the right to withdraw the service if in our reasonable opinion we consider it is being misused and/or abused. Vehicle Helpline and Garage Quote Checker conditions of use Advice is provided by the AA Vehicle Specialist help team to assist you regarding all motoring matters, service and repair queries. Vehicle Helpline and the Garage Quote Checker are provided by Automobile Association Developments Limited (trading as AA Breakdown Services). To use these services, please call 0370 142 0002, lines are open 7 days a week, 8am-6pm. Vehicle Helpline and the Garage Quote Checker are available to AA Membership policyholders only. You will be required to provide Your Membership number at the start of the call to verify Your Membership status. There are no restrictions to the number of times you can call, however Automobile Association Developments Limited (trading as AA Breakdown Services) reserve the right to withdraw the service if in our reasonable opinion we consider it is being misused and/or abused. AA Enhanced Breakdown App conditions of use To use this benefit You must have access to either an iphone or Android phone. The App is not available on other phones. The fuel, parking and warning lights functions are available to AA Members only. My fuel prices limits you to 5 searches per 24 hour period. Some data is provided by third party suppliers. The AA can not be held responsible for the accuracy of any information supplied. The value of this offer cannot be redeemed against another offer or product. The AA reserves the right to discontinue or remove this benefit at any time. Members will have access to the enhanced benefit, once downloaded, for the duration of their Membership. 16

AA company details Automobile Association Developments Limited, trading as AA Breakdown Services, is an insurer of breakdown assistance services cover that is exempt from authorisation under the Financial Services and Markets Act 2000. Registered office: Fanum House, Basing View, Basingstoke RG21 4EA. Registered in England and Wales Number: 01878835. Acromas Insurance Company Limited 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). Acromas Insurance Company Limited is authorised by the Financial Services Commission, Gibraltar and is a member of the Association of British Insurers. Automobile Association Insurance Services Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority. Registered office: Fanum House, Basing View,Basingstoke, Hampshire RG21 4EA. England and Wales. Company registration number 2414212. 17

Useful contact information AA European Breakdown Cover 0800 316 9977 AA Accident Management 0800 048 2678 AA Junior Associate Cover 0343 316 4444 Legal Assistance Helpline 0345 850 1130 theaa.com/silver Vehicle Helpline 0370 142 0002 Garage Quote Checker 0370 142 0002 AA Enhanced Breakdown App Download from theaa.com/apps Breakdown Assistance in the UK 0800 88 77 66 ESSTCSILV09(07.15)