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Your Policy

Tesco Breakdown Cover is provided in association with Green Flag Motoring Assistance and underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Details of how we (throughout this Policy, reference to 'we' means UK insurance unless otherwise specified) may use the information that you provide to us is detailed in the section entitled Your Information. The product will run for either 8 days or 22 days as selected.

These are your policy terms and conditions and it is important that you read them carefully and keep this policy in a safe place. This policy is evidence of the contract between you and us at UK Insurance Limited, based on the information given to us by you orally or otherwise. We rely on the information you supply us. If that information is in accurate or incorrect your policy may be invalid. In return for receiving and accepting your premium, we will provide rescue assistance services on the terms of this Tesco Breakdown Cover Policy, as applying in respect of an incident for which cover is available for the duration of your policy. English Law will apply to the terms of the policy unless we both agree otherwise.

If you have any questions about your Tesco Breakdown Policy, please telephone or write to us at the number or address shown on your schedule.

Head Office: UK Insurance Ltd, The Wharf, Neville Street, Leeds, LS1 1AZ Registered Office: The Wharf Neville Street, Leeds, LS1 1AZ

Registered in England No. 1179980 Authorised and regulated by the Financial Services Authority.

Important Information

How to notify us of a breakdown

In the event of a breakdown whilst travelling in the UK, please call 0845 246 07 18. If travelling in Europe, please call 00 800 4000 6014.

Your right to cancel

We have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs. If this cover does not meet your requirements, please return all your documents within 14 days of receipt. We will return any unpaid premium paid in full provided no claims have been made on the policy during that time. Should you choose to cancel, please return your documents to: Customer Services Department, Tesco Breakdown Cover, The Wharf, Neville Street, Leeds, LS1 1AZ

.

Our right to cancel

We may cancel the policy by providing 7 days' notice in writing to you at your last know address. In such an event we will refund the pro-rata premium applicable to any unexpired part of the Period of Insurance for which the premium has been paid.

How to Complain

Should there ever be an occasion where you need to complain, please call us on 0845 246 0717.

If you wish to write, then address your letters as follows:

• Claims related complaints to Customer Relations Department, Tesco Breakdown Cover, Cote Lane, Pudsey, LS28 5GF
• All other complaints should be addressed to Customer Relations Department, Tesco Breakdown Cover, The Wharf, Neville Street, Leeds, LS1 4AZ.

If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London, E14 9SR, telephone 0845 080 1800.

Details about our Regulator

UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. The Financial Services Authority website which includes a register of all regulated firms can be visited at www.fsa.gov.uk/register, or the Financial Services Authority can be contacted on 0845 606 1234.

Under the Financial Services and Markets Act 2000, should the company be unable to meet their liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising is covered for 100% of the claim, without any upper limit. Information can be obtained on request or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

Your information

Who we are

Tesco Breakdown Cover is arranged by Tesco Personal Finance Limited (TPF) and underwritten by UK Insurance Limited (UKI).

You are giving your information to TPF. TPF is part of the Tesco Group. UKI is a member of The Royal Bank of Scotland Group (The Group). In this Information statement, 'we', 'us' and 'our' refers to UKI and TPF unless otherwise stated.

For information about Tesco Group, please visit www.tesco.com

Your electronic information

If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

How we use your information and who we share it with

We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers.

Your information comprises all the details we hold about you and your transactions and includes information obtained from third parties. We may use and share your information with other members of the Group and Tesco to help us and them:

• Assess financial and insurance risks;
• Recover debt;
• Prevent and detect crime;
• Understand our customers' requirements;
• Develop and test products and services.

We do not disclose your information to anyone outside the Group except:

• Where we have your permission; or
• Where we are required or permitted to do so by law; or
• To fraud prevention agencies and companies that provide a service to us or you; or
• Where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.

Dealing with other people

It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis, please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.

Fraud Prevention Agencies

If false or inaccurate information is provided and fraud is either identified or suspected, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

• Checking applications for and managing credit and other facilities and recovering debt;
• Checking insurance proposals and claims;
• Checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at the address below. The agencies may charge a fee.

If you would like a copy of the information we hold about you, please write to: The Data Protection Officer, Regulatory Risk Department, Churchill Court, Westmoreland Road, Bromley BR1 1DP, quoting your reference. A fee may be payable.

If you would like a copy of the information that Tesco Personal Finance holds about you please write to: The Data Protection Officer; Regulatory Risk Department, Tesco Personal Finance, 56 South Gyle Crescent, South Gyle Park, Edinburgh, EH12 9LE, quoting your reference. A fee may be payable.

Contents

• The Meaning of Words
• Vehicle Cover
• SECTION 1 Cover Prior to Departure
• SECTION 2 Roadside Assistance
• SECTION 3 Replacement Parts
• SECTION 4 Break In
• SECTION 5 Vehicle Out of Use
• SECTION 6 Camping Trips
• SECTION 7 Alternative Driver
• SECTION 8 Vehicle Repatriation
• SECTION 9 Legal Protection
• SECTION 10 Customs Regulations
• SECTION 11 Missed Motorail Connection

• General Conditions
• General Exclusions
• Your Information
• Collection of information
• Use of information
• By UKI
• Dealing with other people
• Automatic renewals
• Fraud prevention & detection
• Security
• Further Information

Back to index

The Meaning of Words

Wherever the following words and phrases appear in this booklet and the Tesco Car Breakdown Cover schedule and certificate, they will always have these meanings, unless otherwise stated:

Abroad: outside the United Kingdom and within the Geographical Limits.

Certificate of Motor Insurance: this document provides evidence that you have taken out the insurance you must have by law. It identifies who can drive the Insured Vehicle and the purpose for which the Insured Vehicle can be used.

Country of Departure: Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Force Majeure: means an event beyond our reasonable control which includes without limitation; fire, flood, inclement weather, earthquake, accident, civil disturbances, war, rationing, embargoes, strikes, labour problems, delays in transportation, inability to secure necessary materials, delay or failure of performance of any supplier or subcontractor, acts of God or acts of government.

Geographical Limits: France, Germany, Belgium, Luxembourg and the Netherlands, Andorra, Austria, Balearics, Bulgaria, Canary Isles, Corsica, Czech Republic, Denmark, Finland, Gibraltar, Greece, Hungary, Italy, Liechtenstein, Malta, Monaco, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe plus Üsküdar, the Republic of Ireland and the Channel Islands.

Home: your permanent place of residence in the United Kingdom (UK).

Insured Incident: means one of the following events: immobilization of the Insured Vehicle as a result of a breakdown, fire, theft or attempted theft, malicious damage, accidental damage, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, occurring within the Geographical Limits or within the UK on the way to or from the Geographical Limits.

Insured Person or you or your: the Policyholder and any other person who at the time of the incident for which a claim is being made was driving or riding as a passenger in the Insured Vehicle with your permission but excluding a hitchhiker.

Insured Vehicle: any vehicle we have agreed to cover provided it;

• Is either; a car, motorised caravan, light van, estate car, or 4x4 off road vehicle, motor-cycle privately registered in the United Kingdom; and where the appropriate additional premium has been paid, a towed caravan or trailer of proprietary make being less than 16 years old.
• We recommend all caravans and trailers carry a serviceable spare wheel and tyre.
• Carries no more than the number of persons recommended by the manufacturer or permitted by law (and for whom seats are provided) with a maximum of 8 persons, including the driver.
• Does not exceed (including any load carried) the following gross vehicle weight and dimensions: 3,500kg in weight 7m in length, 3m in height and 2.25m in width.
• Is serviced as recommended by the manufacturer.
• Holds a current valid MOT certificate, if applicable and is fully taxed and insured.

Legal Costs: the professional fees and expenses the Solicitor reasonably and necessarily charges. It also covers your opponent’s costs which you are ordered to pay by a court and other costs we agree in writing.

Motorail: a pre-booked train service transporting vehicles within the Geographical Limits, not including the Channel Tunnel.

Partner: A person you are living with as if you are married to them.

Period of Cover: the period between the dates printed on your Tesco Car Breakdown receipt.

Premium: is the premium due for your Policy displayed where you collect your pack.

Resident of the United Kingdom: a person who has their main home in the UK including the Channel Islands.

Strike or Industrial Action: any form of industrial action taken by workers, carried out with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services.

Tesco Car Breakdown Cover Euro Care or Policy: this booklet and your Tesco Car Breakdown Cover Receipt, which together form the contract between you and us.

Trip: a holiday or journey Abroad for pleasure during the Period of Cover that begins in the United Kingdom and ends on your return Home and excluding trips for business.

United Kingdom (UK): Great Britain, Northern Ireland, the Isle of Man and for residents of the Channel Islands only, the Channel Islands.

We or us or our: UK Insurance Limited, the underwriter of this policy under the trading name Green Flag Motoring Assistance including our agents (including service providers).

You/your: the Policy holder, any authorised driver and authorised passengers in the Insured Vehicle at the time.

Back to index

VEHICLE COVER

SECTION 1 - Cover Prior to Departure

What is covered

If the Insured Vehicle is lost, immobilised or rendered unroadworthy as a result of fire, theft, accidental damage or breakdown occurring during the 7 days immediately preceding the arranged date of departure of the Trip, we will pay up to a maximum of £800 in total towards:

1. The hire of a replacement vehicle, subject to availability, for the purpose of carrying out the planned Trip, in the event that the Insured Vehicle, if stolen, is not recovered before the arranged date of departure of the planned Trip or the Insured Vehicle cannot be repaired within 24 hours following the booked time of departure for the Trip.
2. The additional cost of re-booking, subject to availability, any sea crossing or rail journey via the Channel Tunnel missed as a result of the incident giving rise to a claim (or, where the original route is unavailable, the nearest suitable alternative sea crossing or rail journey via the Channel Tunnel), in the event that the Insured Vehicle is repaired within 24 hours of the original time of the planned departure for the Trip.

Please remember

1. Any claim involving the hire of a replacement vehicle must have our prior consent.
2. You must contact us as soon as you know the Insured Vehicle may be unavailable for the planned Trip.
3. Your claim must be supported by a letter from a garage confirming:
   1. The regular maintenance and servicing of your vehicle;
   2. Precise details of the breakdown or damage;
   3. The breakdown, when occurring, was sudden and unforeseen;
   4. That repairs cannot be effected before the date planned for you to begin your Trip.

What is not covered

• Any claim resulting from breakdown if you have purchased this cover less than 7 days before the planned date of departure of your Trip; or
• Any claim when actual or imminent breakdown of the Insured Vehicle is discovered or diagnosed in the course of a service carried out less than 7 days prior to the planned date of departure of your Trip; or
• The cost of any personal accident insurance or other benefit not specifically covered under this section;
• Loss of use of a vehicle hired to you.
• The cost of fuel and oil used in any replacement vehicle.

SECTION 2 - Roadside Assistance

What is covered

If the Insured Vehicle is immobilised or rendered unroadworthy during the Trip as a result of an Insured Incident within the Geographical Limits, we will:

1. Arrange for roadside assistance and towing to the nearest suitable repairer.
2. Pay for these services up to a maximum of £250 in total. Please remember A garage or specialist undertaking repair work (other than at the roadside) will be acting as your Agent for such repair work.

What is not covered

1. Labour charges in excess of £50.
2. Charges for any labour not incurred at the roadside.
3. The cost of replacement parts or other materials.

SECTION 3 - Replacement Parts

What is covered

In the event of necessary replacement parts for the Insured Vehicle not being available locally during the Trip, on receipt of your instructions, we will:

• Undertake to obtain them elsewhere.
• Pay all freight charges involved in dispatching them to the location of the Insured Vehicle.

Please remember

• Although we will endeavour to provide the replacement parts required, we can give no guarantee they will be available, especially in the case of older Insured Vehicles where parts may be impossible to locate.
• 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.

What is not covered

The actual cost of the replacement parts and any Customs Duty. This must be paid to us by you, by a debit to a credit or charge card or by a prior deposit of funds in the Country of Departure.

SECTION 4 - Break In

What is covered

In the event of a theft ( or attempted theft of the Insured Vehicle or the contents contained in the Insured Vehicle during the Trip, we will pay up to a maximum of £175 for immediate emergency repairs and/or replacement parts, which are necessary to place the Insured Vehicle in a secure condition to continue the Trip.

Please remember

You must obtain a police report within 24 hours of the Insured Incident giving rise to the claim.

What is not covered

1. Damage to paintwork or other cosmetic items.
2. Costs incurred following your return home.

SECTION 5 - Vehicle Out of Use

What is covered

Following an Insured Incident during the Trip and repairs cannot be effected within 24 hours we will arrange and pay for one of the following:

1. The additional cost of transporting you and any Insured Person, with all of your luggage, to your destination by alternative transport, or
2. The immediate hire of a replacement vehicle, where available, whilst the Insured Vehicle remains unserviceable, up to a maximum of £800 in total, or
3. Overnight bed and breakfast accommodation (excluding alcohol) in a local hotel, subject to availability, for you and any Insured Person whilst awaiting completion of repairs, up to £125 per person with a maximum limit of £500 in total for any Insured Incident, provided that such cost is additional to or in excess of any planned accommodation costs payable by you, had loss of use of the Insured Vehicle not occurred.

Please remember

1. Hire cars are provided subject to you meeting the conditions of the hirer
2. Any claims involving the hire of a replacement car must have our prior approval.
3. We cannot guarantee to provide a car with a tow bar or roof rack.
4. It is your responsibility to collect the hire car.
5. Hire cars provided within the Geographical Limits cannot be brought back to mainland Great Britain. Any additional insurance offered by the replacement car hirers in Section 5 is not covered.
6. If you have to pay for services locally, you will be reimbursed provided you have obtained approval from us before incurring the expenditure.

What is not covered

1. The cost of fuel and oil used in any replacement or hire vehicle, or any other expenses associated with the hire.
2. The cost of any personal accident insurance or other benefit not specifically covered under this section.
3. Costs arising as the result of an Insured Incident occurring during a Trip but incurred outside the period of that Trip.

SECTION 6 - Camping Trips

What is covered

If the tent you are carrying with you and using in the course of the Trip as your principal overnight accommodation, is rendered unserviceable through theft or accidental damage we will arrange and pay for:

1. If practicable, the hiring of a suitable tent, where available, for the remainder of the period of the Trip, or
2. Emergency bed and breakfast only expenses (excluding alcohol) over and above those planned for you and any Insured Person, up to £100 in total per person, with a maximum limit of £500 in total.

What is not covered

1. Any expenses incurred as a result of adverse weather conditions which do not actually damage the tent so as to render it unusable.
2. Loss of use of any tent you are not carrying on the trip with you or which belongs to a tour operator or holiday company.
3. Any damage to the tent caused by a dog or dogs accompanying you on the Trip.

SECTION 7 - Alternative Driver

What is covered

In the event of you 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 reasonably accept is a serious or urgent reason and there is no other passenger qualified and competent to drive, we will pay all necessary additional costs incurred to return the Insured Vehicle to the Home address.

Please remember

We may elect to provide a qualified driver to drive back any insured vehicle and any passengers.

SECTION 8 - Vehicle Repatriation

What is covered

Following an Insured Incident during the trip we will pay:

1. The cost of transporting you with luggage, to your home address, in the country of departure, if the Insured Vehicle cannot be and could not have been repaired (or, in the case of theft, has not been recovered in a roadworthy condition) by the intended time of your return Home. The means of transport to be used shall be at our discretion.
2. The cost of transporting the Insured Vehicle to your Home address in the country of departure if repairs cannot be carried out abroad (or the Insured vehicle, if stolen, has been recovered but not in a roadworthy condition), by the intended time of your return Home. We will pay for the necessary garage storage costs and costs of transportation and delivery, including any additional shipping costs. Or, when agreed in advance by us, the cost of one person to travel to the location of the insured vehicle by public transport to drive the repaired vehicle to the Home address in the country of departure.
3. Once you have been repatriated by us and if we are transporting your vehicle to the country of departure: we will reimburse you for up to 7 days’ or when we deliver the Insured Vehicle to your Home address or to the repairer designated by you (whichever is the sooner).
4. You must keep all receipts and invoices for the travel you have incurred, and send these to us with your claim form.

Please remember

1. The maximum we will pay to repatriate the Insured Vehicle will, in our discretion, be its current market value in the Country of Departure.
2. Vehicle repatriation will only be carried out when it is apparent that repairs can be effected in the Country of Departure, and when you confirm to us that these repairs will be put in hand.
3. Any unused travel tickets must be used for repatriation of the Insured Vehicle.

What is not covered

1. Loss or theft of, or damage to, unaccompanied baggage (other than a manufacturer's tool kit) left in the Insured Vehicle if you, any Insured Person and/or the Insured Vehicle are being transported by us.
2. Any additional costs for repatriating your pet(s).

SECTION 9 - Legal Protection

Legal Advice

During the period of cover you may call out advice line on 0845 601 40 60 for practical United Kingdom legal advice on any motoring legal problem or to report a claim

What is covered

Legal Defence

Providing you notify us within 28 days of receiving a summons, we will pay up to £1000 in respect of Legal Costs incurred in defending you in court outside the Country of Departure against an alleged motoring offence involving the Insured Vehicle during your trip.

Death or Bodily Injury

Following any road traffic accident involving the insured Vehicle which is not your fault, we will pay the Legal Costs up to a maximum of £10,000 for any one incident, to negotiate your legal rights in pursuing a civil action for compensation and to help you in appealing or defending an appeal following your sustaining bodily injury or death.

Travel Expenses

Additional travel expenses in the event that you are obliged by a court abroad to attend in connection with an incident giving rise to a claim under this section up to a maximum of £250 per person.

What is not covered

1. Alleged speeding offences, when no other offence is involved.
2. Defence of an alleged offence where there is no reasonable prospect of affecting the outcome of the prosecution.
3. Costs or expenses incurred without prior authorisation by us.
4. Any claim not notified to us within 28 days of your receiving the summons or claim form or its equivalent in any country within the Geographical Limits.
5. Your travelling and subsistence expenses.
6. Fines awarded against you.

Legal Expenses - What is covered

1. We will pay up to a maximum of £10,000 in total under this Policy in respect of legal costs to negotiate your and any Insured Person's legal rights in pursuing a civil action for compensation and to help you in appealing or defending an appeal following your sustaining bodily injury or death during your Trip caused by the fault or negligence of another.
2. Additional travel expenses in the event that you or any other Insured Persons are obliged by a Court Abroad to attend in connection with an event giving rise to an action under this section, up to a maximum of £250 in total per Insured Person.

Please remember

A lawyer will be appointed by us to represent you according to our standard terms of appointment. The appointed lawyer must co-operate fully with us at all times.

Cover provided in this section only applies if:

• at the time of the incident leading to this claim, the Insured Vehicle is being driven or used for a purpose allowed by this policy;
• at the time of the incident leading to this claim, the Insured Vehicle is being driven or used by a person named in your current Certificate of Motor Insurance as being authorised to drive or use the Insured Vehicle;
• the date of the incident leading to the claim is within the Period of Insurance and the incident happens within the Geographical Limits;
• any legal proceedings will be carried out within the Geographical Limits by a court or other organisation which we agree to; and
• it is always more likely than not that you will be successful with your claim for damages.

What is not covered

Legal Defence

1. Alleged speeding offences where no other offence is involved
2. Alleged offences where there are no reasonable prospects of affecting the outcome of the prosecution.

Death or Bodily Injury

1. Any claim not notified to us within 180 days after the commencement of the incident giving rise to a claim.
2. The pursuit of a claim against us, out agent, or our appointed assistance company.
3. Legal Costs incurred without prior authorisation from us.
4. Any Legal Costs if we do not think that the person you are claiming from is able to pay the damages.

Conditions

If you do not keep to these conditions, we may cancel this section, refuse any claim and withdraw from any current claim.

You must:

• tell us about your claim as soon as possible;
• let us have full details of your claim and any other information that we or the Solicitor ask for (you will pay any cost involved in providing this information);
• fully co-operate with the Solicitor and us, and not do anything which might damage your claim (if we ask, you must tell the Solicitor to give us any documents, information or advice that they have or know about);
• tell us about any developments affecting your claim;
• tell us if the Solicitor refuses to continue to act for you or if you withdraw your instructions;
• tell us if anyone makes a payment in court or offers to settle your claim;
• get our agreement to negotiate or settle a claim.

Appointing a Solicitor

1. If we can accept your claim, we or a Solicitor appointed by us will try to negotiate a settlement without having to go to the courts.
2. If we agree to start legal proceedings , or if there is a conflict of interest, you can choose your Solicitor by sending us the Solicitor’s name and address. We may not choose to accept this choice of Solicitor but only in exceptional circumstances
3. The Solicitor will be appointed by you or by us to act for you according to our standard terms of appointment. (you can ask us for a copy)
4. You must not enter into any agreement relating to charges with the Solicitor without getting our permission first.
5. If a Solicitor refuses to act for you with good reason, or if you dismiss them without good reason, your cover will end immediately unless we agree to appoint another Solicitor.

You must tell your Solicitor to:

1. Get our permission before instructing a barrister or an expert witness; and
2. Tell us immediately if it is no longer more likely than not that you will be successful with your claim for damages.

We can:

1. Contact the Solicitor at any time, nd he or she must co-operate fully with us at all times;
2. Decide to settle the claim by paying the amount in dispute;
3. Refuse to pay further Legal Costs if you do not accept a reasonable offer to settle your claim; and
4. Refuse to pay further Legal Costs if it is no longer more likely than not that you will be successful with your claim.

Disputes

You have the right to refer any disagreement between you and us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person you and we agree on. If we cannot agree, the arbitrator will be chosen by the president of the Law Society (or other similar organisation) for that part of the Geographical Limit whose law governs this section of the policy. We and you must keep to the arbitrator’s decision. Who ever loses the arbitration will pay for all costs and expenses of the arbitration.

You may also refer any disagreement between you and us to the Financial Ombudsman Service. This service is free of charge.

SECTION 10 - Customs Regulations

What is covered

If as the result of an Insured Incident occurring outside the Country of Departure during a Trip:

1. The Insured Vehicle is beyond economic repair, we may arrange for its disposal under Customs supervision in the country where it is situated. In this case we will deal with the necessary Customs formalities.
2. The Insured Vehicle is not taken permanently out of the foreign country within the limited time allowed after import, or you inadvertently fail to observe the import conditions which permit import for a limited time without payment of duty, then we will pay your liability for any duty claimed from you.

What is not covered

1. The cost of any other import duties imposed by Customs.

SECTION 11 - Missed Motorail Connection

Connection - What is covered

If you fail to connect with a pre-booked Motorail service on the outward part of your Trip as a result of:

1. You arriving at the departure point in the Country of Departure too late to commence the booked Motorail journey due to an incident involving the insured vehicle in the course of the Trip providing that you would have been on time for the Motorail journey if the Insured Incident had not happened, or
2. Cancellation or curtailment of scheduled public transport due to adverse weather conditions, Strike or Industrial Action or mechanical breakdown or derangement.

We will arrange and pay for:

1. Storage of the Insured Vehicle in a secure parking area, if available, near to the Motorail depot for the period of the Trip.
2. A standard class return rail ticket to enable you to continue the Trip to/from the intended Motorail destination station.
3. Hire of a replacement vehicle, subject to availability, up to a maximum of £450 in total, at the Motorail journey destination within the Geographical Limits.

Please remember

You must have taken every reasonable step to complete the journey to the departure point in the Country of Departure and to the Motorail departure station on time.

What is not covered

1. Strike or Industrial Action which is public knowledge at the time you purchased the cover.
2. Withdrawal from service (whether temporary or otherwise) of a sea vessel or train on the orders or recommendation of the recognised regulatory authority in any country.
3. Claims arising in connection with the inward (return) journey.

European Motorways

Please note that if you break down on a motorway or other major public road, police will answer the phone. They will arrange for a local recovery company to send a truck to you without contacting us. Very few of these local recovery agents have a link with United Kingdom motoring organisations and you may well have to pay for this assistance on the spot. If you keep a receipt, we will refund the full cost of the assistance, including towing charges and time the mechanic has spent working on the vehicle at the roadside. We will not pay for any spare parts used or labour charges at a garage.

Once you have been taken from a motorway or major public road to a place of safety such as a local garage or motorway service station, please contact us if you need any other advice or services such as car hire.

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General Conditions Applying to this Policy

This part describes your responsibilities and certain procedures which you and any Insured Person must comply with.

1. For any claims to be paid or assistance to be provided under these Policy terms and conditions, you and any Insured Person must:
• Be a Resident of the UK.
• Take reasonable care to safeguard against accident, injury, loss or damage as if the cover was not in force.
• Forward to us immediately upon receipt every writ, summons, legal process or other communication in connection with a claim.
• Observe any licence conditions and all the terms, provisions, conditions and endorsements set out in the Policy.
• Reimburse us, within 1 month of the request, any expense incurred by us in providing any service under this cover for which we are not responsible.
• Wait with the vehicle, or in a safe place close to the vehicle until the repair or recovery vehicle arrives, unless you have made other arrangements with us
.
• Not abandon the vehicle or any parts of it without our authorisation.
• Take all necessary steps to expedite the completion of repairs.
• Contact us without delay when an incident arises that may result in a claim.
2. Any garage used in connection with any incident for which a claim is made under this Policy is deemed to be your Agent. We will not accept responsibility for any damage or loss resulting from the garage's acts or omissions. No warranty is given by us that such garage is competent to repair the Insured Vehicle. You must give direct instructions to the garage and pay for the repairs.
3. Any failure or delay by us in relying on or enforcing these Policy terms and conditions on any particular occasion will not prevent any subsequent reliance or enforcement.
4. Onward transportation of any animal in the Insured Vehicle is at our discretion. We will not be liable for injury or death of the animal.
5. Following an Insured Incident attended by the police or other emergency service, transportation of the Insured Vehicle will not take place until they have authorised its removal.
6. If any of these Policy conditions are found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision shall not affect the other provisions of these conditions and the remainder in question shall not be affected.
7. After any repairs have been completed following recovery of the Insured Vehicle, it is your responsibility to arrange and pay for collection of the Insured Vehicle.
8. If the Insured Vehicle is in a position where it cannot be worked on or towed, the wheels have been removed or where specialist equipment is required for its recovery, we can arrange to rectify this but you will be responsible for any costs involved.
9. We can arrange to recover you following a road traffic accident but you may be responsible for any costs involved. However, you may be able to recover these from your motor insurer.
10. Nothing in this Policy will exclude or restrict our liability for death or personal injury resulting from our negligence.
11. If you are covered by any other insurance related to an Insured Incident, we will only pay our share of the claim.

We reserve the right to:

1. Decline any claim which is in any way fraudulent and cancel the cover.
2. Take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the cover.
3. Not refund the premium unless you return this pack and your Tesco Breakdown Cover receipt to us prior to the start of the trip. Or with medical certificate/unused travel documents to prove the trip was not undertaken.
4. Cancel the cover in the event of the non-payment of the premium.

You reserve the right to:

Cancel this Policy by contacting +44(0) 845 246 0717 within 14 days of purchase/receipt of the product or the Policy start date, and surrendering the pack. In such event, provided you have not traveled or made a claim in relation to the Policy, we will issue a full refund.

Please note that where any claims have been made under this Policy we will not be able to refund any Premiums and all outstanding Premiums owed to us by you will become payable immediately.

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General Exclusions Applying to this Policy

1. Cover shall not apply in respect of any insured vehicle which:
• has not been maintained and operated in accordance with the manufacturer’s recommendations;
• is used for hire or reward or for the carriage of goods for reward;
• is temporarily immobilised by floods or snow-affected roads or as a result of whole or partial immersion in water, snow, sand or mud;
• is used for and/or involved in motor racing, off road use (away from public roads and over rough terrain), rallies, speed or duration tests or practising for such events;
• suffers a breakdown which results from a fault that has necessitated a call-out by us previously during the same journey or from an inadequate repair carried out to remedy a fault previously giving rise to a callout under this Policy or unsuccessful amateur servicing or repairs;
• is immobile or unroadworthy when cover was taken out;
• is situated in areas to which our Agents have no right of access or on motor traders' premises.
2. You are not insured in respect of any claim:
• arising from circumstances known to you at the time of applying for cover, or at any time prior to the commencement of a trip or as a result of a fact or facts material to this Policy where such fact or facts have not been disclosed to us;
• caused as a result of any wilful or unlawful act of an Insured Person;
• arising as a result of your operational duties as a member of the armed forces.
3. You are not insured for:
• any expenses which would have been incurred in the normal course of your journey;
• any costs or storage charges incurred if, following the Insured Incident, you elect to have the Insured Vehicle towed to a repairer;
• any costs which are recoverable from any other insurance, indemnity or warranty;
• any costs incurred without our prior knowledge or consent;
• any costs incurred as a result of you failing to carry a serviceable spare wheel and tyre.
• the recovery of any Insured Vehicle that would be dangerous or illegal to load or transport;
• the repair of any Insured Vehicle where such repair would contravene any health and safety regulations;
• immobilisation of or damage to the Insured Vehicle or any components caused by malfunctions due to non-date compliant software;
• the transportation of horses or livestock;
• any loss due to any currency exchanges.
4. Personal property or belongings within the Insured Vehicle are left there at your risk and we shall not be liable for loss or damage to any of these items.
5. We shall not be liable for any loss or expense or legal liability whatsoever resulting from:
• ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel;
• the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; and
• pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
6. We shall not be liable for any loss of profi t, indirect or consequential loss of any kind arising from the provision of, or delay in providing, the services to which this Policy relates.
7. We are not responsible for any loss, damages, costs, claims or expenses which you may incur as a result of our delay or failure to perform our obligations due to a Force Majeure Event.
8. We shall have no responsibility to perform any obligations pursuant to this Policy where those obligations are dependent on the fulfi lment of your obligations as set out in this Policy and you have failed to carry out those obligations.
9. The parties to this Policy are you and us and a person or a company who is not a party to this contract has no rights under the Contract (Rights of Third Parties) Act 1999 to enforce any term of this contract. This does not affect any right or remedy of a third party which exists or is available apart from that Act.

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