What you are covered for when you have called for assistance, if the insured vehicle cannot be made roadworthy at the roadside location, and it is apparent repairs cannot be completed within a reasonable time at a suitable repairer and at our discretion,

Either;
1)  Nationwide Recovery (does not apply when at base)
We will arrange and pay for you, and if appropriate, the insured vehicle, to be taken to your intended destination or base anywhere within the UK geographical limits whichever is nearer. The means of transport will be at our discretion. We will not pay for long-distance transport of the insured vehicle to the premises where the insured vehicle was purchased solely to claim under a Warranty scheme or when a suitable alternative repairer is nearer to hand or when it is apparent a local repair can be carried out within a reasonable time.

or

2)  48-Hour Replacement Vehicle.

If repairs to the insured vehicle are carried out at a local repairer, if necessary we will pay up to £250 in total for the following benefits:
 A self-drive rental vehicle, when and where available, for up to 48 hours, for you to continue your journey or return to base. A hire vehicle is not available following breakdowns at or within 25 miles of your operating base. We will pay for the delivery, the 48-hour rental charge and for collision damage waiver insurance. You will remain responsible for returning the rental vehicle to the hire provider, and for the cost of any fuels and oils used and any charges in excess of 48 hours; unless National Breakdown Truck Assist has expressly authorised an extension of the hire directly with the relevant hire providers.
You must be able to satisfy the requirements of the hire provider, as to an acceptable driving license and minimum driver age. They will also require sight of your credit/charge card before releasing the vehicle to you. You will be responsible for collection of the insured vehicle following repair.

OR

3)  Overnight Accommodation.
At our discretion, we will pay for a maximum of three night¹s bed and breakfast accommodation for you/your driver in a local bed and
breakfast or hotel while you wait for repairs to the insured vehicle to be completed, on condition the approved incident has occurred at a late hour more than 25 miles from base. The most we will pay is £40 per person with a limit of £160 per approved incident.

Emergency Driver within the UK.

What you are covered for;
If during a journey in the insured vehicle the driver suffers sudden illness or accidental bodily injury so that he or she is incapable of continuing to drive the insured vehicle, and if there is no other driver qualified, competent or insured to drive the insured vehicle: We will provide and pay for an alternative driver to complete the journey and drive the insured vehicle to your intended destination or base whichever is nearer. Once the insured vehicle has been delivered we will not be responsible for the vehicle’s safety thereafter.

CONTINENTAL MOTORING WITHIN EUROPE (this part only applies where the appropriate premium has been paid). Including your direct journeys between your operating base and the UK port or Euro tunnel terminal.

1) ROADSIDE ASSISTANCE
What you are covered for: if the insured vehicle is immobilised or rendered un-roadworthy as a result of mechanical breakdown, we will arrange and pay up to a maximum under this policy of £350 per trip, for roadside assistance and if necessary transport of the insured vehicle and you to the nearest suitable repairer. A garage or specialist undertaking repair work (other than at the roadside) on your instructions will be acting as your agent for such repair work.

What you are not covered for:
a) labour charges over £350 at the roadside.
b) anything mentioned in the General Exclusions.
c) costs incurred outside the period of the trip.
d) costs for roadside attendance, towing, or repair costs, including labour, if the insured vehicle is or was involved in an Road Traffic Accident, damaged by fire or stolen or attempted stolen; or if it is uneconomic to repair. Assistance will be arranged on your behalf providing you have sufficient motor insurance to cover all costs incurred.

2) REPLACEMENT PARTS
If necessary replacement parts are not available locally when you are abroad, on receipt of your instructions, we will undertake to obtain them elsewhere and will pay all freight charges involved in dispatching them to the location of the insured vehicle. We will endeavour to provide the replacement parts required but we can give no guarantee that they will be available, especially in the case of older vehicles where parts may be impossible to locate. We will bear the cost of locating and transporting the replacement parts. The actual cost of the parts and any Customs Duty must be paid to us by you us, a debit to your credit or debit card or by a prior deposit of funds in the country of departure. When you are invoiced for a surcharge subject to the return of the old unit or part, you must return the defective part at your own expense to the supplier. If you place a firm order for replacement parts and these are not subsequently required, or you do not await their arrival, you will be responsible for the cost of such parts, including all forwarding charges arising from their return.

3) Temporary Repairs following Break-in
In the event of theft (or attempted theft) of the insured vehicle not including any contents contained in the insured vehicle, we will pay up to £100 in total per trip, for immediate emergency repairs and/or replacement parts, which are necessary to place the insured vehicle in a secure condition to continue the trip. You must obtain a Police Report immediately or at least within 24 hours of the incident giving rise to a claim being made, sight of the report will be required by us. All costs relating to accidental damage or theft or other incident normally covered by a motor insurance policy, will be your responsibility.

What you are not covered for:
a) damage to paintwork or other cosmetic items.
b) costs incurred following your return home.
c) anything mentioned in the General Exclusions.
d) damage to windscreen or glass, including mirrors.

4) Vehicle Out Of Use
What you are covered for:
if the insured vehicle is lost, immobilised or rendered un-roadworthy during a trip as a result of mechanical or electrical breakdown, and repairs cannot be effected within a reasonable time:
a) We will pay up to a maximum of £500 in total per trip for the additional cost for the immediate hire of a replacement vehicle, where and when obtainable (to include rental charge, collision damage waiver and any necessary drop off charge) whilst the insured vehicle remains unserviceable.

Or, if we think appropriate
b) We will pay the cost of local overnight hotel accommodation while you await completion of repairs.
Bed and Breakfast only costs will be paid up to a maximum of £60 per night for a maximum of five nights to a total of £300 per party per trip, provided that such cost is additional to or in excess of any planned accommodation costs payable by you had the loss of use of the insured vehicle not occurred.

What you are not covered for:
a) the cost of any fuels and oils used in any replacement vehicle.
b) the cost of any Personal Accident insurance or other benefit not specifically covered under this section.
c) costs incurred outside the period of the trip.
d) costs for roadside attendance, towing, or repair costs, including labour, if the insured Vehicle is or was involved in an Accident, damaged by fire, stolen or attempted stolen; or if it is uneconomic to repair.
e) food or beverages other than those specified.
f) The cost of telephone calls when contacting us. Whenever possible we will call you back as soon as possible.

5) Alternative Driver
What you are covered for: in the event of the driver being declared medically unfit to drive the insured vehicle in the course of a trip, or having to return home early because of what we agree is a serious or urgent reason, and there is no other insured person qualified and competent to drive, we will pay all necessary additional costs incurred to take the insured vehicle to a suitable place of safety to await collection by you. We will not be responsible for any storage charges incurred. Once the insured vehicle has been delivered we will not be responsible for the vehicle’s safety
thereafter

6) Repatriation
What you are covered for If the insured vehicle is lost, immobilised or rendered un-roadworthy during a trip as a result of an approved incident. We will pay the cost of transporting the driver, together with hand luggage, back to the UK if the insured vehicle cannot be repaired within a reasonable time. The means of transport to be employed shall be at our discretion. Any claim costs relating to accidental damage or theft or other incident normally covered by a motor insurance policy, will be your responsibility.
When agreed in advance by us, we will pay the travel costs for one person to travel to the location of the insured vehicle by public transport, in order to drive the repaired insured vehicle back to the UK. We are not liable for the loss or damage to personal possessions left in, on, or near the insured vehicle. We are not liable for the loss or damage to any goods or load left with the insured vehicle at any time.

Message Relay

If we have been contacted in connection with an incident, we will relay up to 2 telephone messages to your work base or colleague or business associates to advice of unforeseen delays.

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What you are covered for when you have called for assistance, if the insured vehicle cannot be made roadworthy at the roadside location, and it is apparent repairs cannot be completed within a reasonable time at a suitable repairer and at our discretion,

Either;
1)  Nationwide Recovery (does not apply when at base)
We will arrange and pay for you, and if appropriate, the insured vehicle, to be taken to your intended destination or base anywhere within the UK geographical limits whichever is nearer. The means of transport will be at our discretion. We will not pay for long-distance transport of the insured vehicle to the premises where the insured vehicle was purchased solely to claim under a Warranty scheme or when a suitable alternative repairer is nearer to hand or when it is apparent a local repair can be carried out within a reasonable time.

or

2)  48-Hour Replacement Vehicle.

If repairs to the insured vehicle are carried out at a local repairer, if necessary we will pay up to £250 in total for the following benefits:
 A self-drive rental vehicle, when and where available, for up to 48 hours, for you to continue your journey or return to base. A hire vehicle is not available following breakdowns at or within 25 miles of your operating base. We will pay for the delivery, the 48-hour rental charge and for collision damage waiver insurance. You will remain responsible for returning the rental vehicle to the hire provider, and for the cost of any fuels and oils used and any charges in excess of 48 hours; unless National Breakdown Truck Assist has expressly authorised an extension of the hire directly with the relevant hire providers.
You must be able to satisfy the requirements of the hire provider, as to an acceptable driving license and minimum driver age. They will also require sight of your credit/charge card before releasing the vehicle to you. You will be responsible for collection of the insured vehicle following repair.

or

3)  Overnight Accommodation.
At our discretion, we will pay for a maximum of three night¹s bed and breakfast accommodation for you/your driver in a local bed and
breakfast or hotel while you wait for repairs to the insured vehicle to be completed, on condition the approved incident has occurred at a late hour more than 25 miles from base. The most we will pay is £40 per person with a limit of £160 per approved incident.

Emergency Driver Within the UK.

What you are covered for;
If during a journey in the insured vehicle the driver suffers sudden illness or accidental bodily injury so that he or she is incapable of continuing to drive the insured vehicle, and if there is no other driver qualified, competent or insured to drive the insured vehicle: We will provide and pay for an alternative driver to complete the journey and drive the insured vehicle to your intended destination or base whichever is nearer. Once the insured vehicle has been delivered we will not be responsible for the vehicle’s safety thereafter.

CONTINENTAL MOTORING WITHIN EUROPE (this part only applies where the appropriate premium has been paid). Including your direct journeys between your operating base and the UK port or Euro tunnel terminal.

1) ROADSIDE ASSISTANCE
What you are covered for: if the insured vehicle is immobilised or rendered un-roadworthy as a result of mechanical breakdown, we will arrange and pay up to a maximum under this policy of £350 per trip, for roadside assistance and if necessary transport of the insured vehicle and you to the nearest suitable repairer. A garage or specialist undertaking repair work (other than at the roadside) on your instructions will be acting as your agent for such repair work.

What you are not covered for:
a) labour charges over £350 at the roadside.
b) anything mentioned in the General Exclusions.
c) costs incurred outside the period of the trip.
d) costs for roadside attendance, towing, or repair costs, including labour, if the insured vehicle is or was involved in an Road Traffic Accident, damaged by fire or stolen or attempted stolen; or if it is uneconomic to repair. Assistance will be arranged on your behalf providing you have sufficient motor insurance to cover all costs incurred.

2) REPLACEMENT PARTS
If necessary replacement parts are not available locally when you are abroad, on receipt of your instructions, we will undertake to obtain them elsewhere and will pay all freight charges involved in dispatching them to the location of the insured vehicle. We will endeavour to provide the replacement parts required but we can give no guarantee that they will be available, especially in the case of older vehicles where parts may be impossible to locate. We will bear the cost of locating and transporting the replacement parts. The actual cost of the parts and any Customs Duty must be paid to us by you us, a debit to your credit or debit card or by a prior deposit of funds in the country of departure. When you are invoiced for a surcharge subject to the return of the old unit or part, you must return the defective part at your own expense to the supplier. If you place a firm order for replacement parts and these are not subsequently required, or you do not await their arrival, you will be responsible for the cost of such parts, including all forwarding charges arising from their return.

3) Temporary Repairs following Break-in
In the event of theft (or attempted theft) of the insured vehicle not including any contents contained in the insured vehicle, we will pay up to £100 in total per trip, for immediate emergency repairs and/or replacement parts, which are necessary to place the insured vehicle in a secure condition to continue the trip. You must obtain a Police Report immediately or at least within 24 hours of the incident giving rise to a claim being made, sight of the report will be required by us. All costs relating to accidental damage or theft or other incident normally covered by a motor insurance policy, will be your responsibility.

What you are not covered for:
a) damage to paintwork or other cosmetic items.
b) costs incurred following your return home.
c) anything mentioned in the General Exclusions.
d) damage to windscreen or glass, including mirrors.

4) Vehicle Out Of Use
What you are covered for:
if the insured vehicle is lost, immobilised or rendered un-roadworthy during a trip as a result of mechanical or electrical breakdown, and repairs cannot be effected within a reasonable time:
a) We will pay up to a maximum of £500 in total per trip for the additional cost for the immediate hire of a replacement vehicle, where and when obtainable (to include rental charge, collision damage waiver and any necessary drop off charge) whilst the insured vehicle remains unserviceable.

Or, if we think appropriate
b) We will pay the cost of local overnight hotel accommodation while you await completion of repairs.
Bed and Breakfast only costs will be paid up to a maximum of £60 per night for a maximum of five nights to a total of £300 per party per trip, provided that such cost is additional to or in excess of any planned accommodation costs payable by you had the loss of use of the insured vehicle not occurred.

What you are not covered for:
a) the cost of any fuels and oils used in any replacement vehicle.
b) the cost of any Personal Accident insurance or other benefit not specifically covered under this section.
c) costs incurred outside the period of the trip.
d) costs for roadside attendance, towing, or repair costs, including labour, if the insured Vehicle is or was involved in an Accident, damaged by fire, stolen or attempted stolen; or if it is uneconomic to repair.
e) food or beverages other than those specified.
f) The cost of telephone calls when contacting us. Whenever possible we will call you back as soon as possible.

5) Alternative Driver
What you are covered for: in the event of the driver being declared medically unfit to drive the insured vehicle in the course of a trip, or having to return home early because of what we agree is a serious or urgent reason, and there is no other insured person qualified and competent to drive, we will pay all necessary additional costs incurred to take the insured vehicle to a suitable place of safety to await collection by you. We will not be responsible for any storage charges incurred. Once the insured vehicle has been delivered we will not be responsible for the vehicle’s safety
thereafter.

6) Repatriation
What you are covered for If the insured vehicle is lost, immobilised or rendered un-roadworthy during a trip as a result of an approved incident. We will pay the cost of transporting the driver, together with hand luggage, back to the UK if the insured vehicle cannot be repaired within a reasonable time. The means of transport to be employed shall be at our discretion. Any claim costs relating to accidental damage or theft or other incident normally covered by a motor insurance policy, will be your responsibility.
When agreed in advance by us, we will pay the travel costs for one person to travel to the location of the insured vehicle by public transport, in order to drive the repaired insured vehicle back to the UK. We are not liable for the loss or damage to personal possessions left in, on, or near the insured vehicle. We are not liable for the loss or damage to any goods or load left with the insured vehicle at any time.

Basecall
What you are covered for:
Service at or within one mile of your operating base (where the appropriate premium has been paid)

Message Relay

If we have been contacted in connection with an incident, we will relay up to 2 telephone messages to your work base or colleague or business associates to advice of unforeseen delays.

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