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Your Policy

Tesco Car Breakdown Cover is 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. If this policy does not meet your requirements, please return all documents within 14 days of purchase/receipt of the product or the policy start date. We will return the Premium in full, providing no claims have been made on the Policy during that time. The full annual premium is due if a claim has been made during that period. If you have any questions about your Tesco Car Breakdown Cover Policy, please telephone or write to us at the number or address shown on your schedule.

Important Information

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 Car Breakdown Cover Assistance, Cote Lane, Pudsey, LS28 5GF
• All other complaints should be addressed to Customer Relations Department, Tesco Car 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.

Statement of Demands and Needs

We have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs. This product meets the demands and needs of those who wish to ensure that their specific Rescue requirements are covered.

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. Information can be obtained on request or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

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
• SECTION 12 Alternative Route

• 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

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Welcome

Welcome to Tesco Car Breakdown Cover. Tesco Breakdown Cover is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. In association with Green Flag Motoring Assistance. 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. 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 inaccurate 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 Car Breakdown 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 this Policy unless we both agree otherwise. On behalf of the company

On behalf of the company

Chris Moat
Managing Director

Head Office:
UK Insurance Limited,
The Wharf,
Neville Street,
Leeds LS1 4AZ.

Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ.

Registered in England No. 1179980.

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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.

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, 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.

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

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

Policyholder: the person named on your Tesco Clubcard unless you tell us otherwise.

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).

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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. 8 7

1. If you have to pay for the hire car locally, you will be reimbursed provided you have obtained approval from us before incurring the expenditure and can provide receipts.

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 4 - Break In

What is covered

In the event of vandalism, a theft (or attempted theft) of the Insured Vehicle or the contents contained in the Insured Vehicle during the Trip, within the Geographical Limits, we will pay up to a maximum of £175 in total 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. Repair costs incurred following your return home.

SECTION 5 - Vehicle Out of Use

What is covered

If the Insured Vehicle is lost, immobilised or rendered unroadworthy during a Trip as a result of an Insured Incident within the Geographical limits and repairs cannot be effected within 24 hours, we will arrange and pay for one of the following, subject to availability:

1. The additional cost of transporting you and any Insured Person, with all of your luggage, to your destination by alternative transport, orThe immediate hire of a replacement vehicle, where available, whilst the Insured Vehicle remains unserviceable, up to a maximum of £800 in total, or
2. 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. You may be required by the car hirer to change vehicle from one country to another within the Geographical Limits.
2. Any claims involving the hire of a replacement car must have our prior approval.
3. We cannot guarantee to provide a vehicle with a tow bar or roof rack.
4. Hire cars provided within the Geographical Limits cannot be brought back to mainland Great Britain.

SECTION 6 - Camping Trips

What is covered

1. 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, subject to availability:
2. If practicable, the hiring of a suitable tent, where available, for the remainder of the period of the Trip, or
3. 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 in the Insured Vehicle on the trip with you or which belongs to a tour operator or holiday company.
3. Any damage to the tent caused by an animal or animals 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 and any Insured Persons to the Home address.

Please remember

We may elect to provide a qualified driver to drive back the Insured Vehicle and any Insured Person.

SECTION 8 - Vehicle Repatriation

What is covered

In the event of an Insured Incident occurring within the Geographical Limits in relation to Section 5, and where the Insured Vehicle is not in a roadworthy condition to be driven back to your home on the scheduled date of return from the Trip we will pay:

1. The cost of transporting you and any Insured Person, with your luggage, to your Home address 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 and subject to availability.
2. The cost of transporting the Insured Vehicle to your Home address or repairer in the UK 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.
3. 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 standard class public transport to drive the repaired Insured Vehicle to your Home address.
4. Once you have been repatriated by us and if we are transporting your Insured Vehicle to your Home: We will reimburse you for up to 7 days necessary alternative travel costs you incur while you await delivery of the Insured Vehicle up to a maximum of £75 in total for you and any other Insured Person. This benefit will cease after 7 days or when we deliver the Insured Vehicle to your Home or to the repairer designated by you (whichever is the sooner). This does not include any expenses you would have had to pay anyway.
5. 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.

SECTION 9 - Legal Protection

Telephone Advice - What is covered

1. From the commencement of the Trip and for up to 7 days after completion of the Trip, you may call our Legal Advice line for practical United Kingdom legal advice on any legal problem in connection with your Trip.

Telephone +44(0) 845 601 4060 (available 24 hours a day).

Defence - What is covered

1. Providing you notify us within 28 days of receiving a summons, we will pay up to £1,000 in total in respect of legal costs incurred in defending you in a Court Abroad against an alleged motoring offence involving the Insured Vehicle during a Trip.

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.

If legal proceedings are necessary and we agree that you need a lawyer, we will appoint a lawyer to represent you in accordance with our standard terms of appointment. Alternatively you can tell us which lawyer or firm you want to act for you, although we reserve the right not to accept your choice. Please bear in mind that lawyers must be qualified to practice in the courts of the country where the Insured Incident occurred or where the proposed defendant is resident. We may accept your suggestion if the lawyer confirms in writing that they will co-operate with you at all times to help you meet the conditions of your Policy. The lawyer must also agree with us the hourly rate that they charge us. If you are unable to agree with us on a suitable lawyer, or your appointed lawyer cannot agree suitable charges with us, we will ask the ruling body for lawyers in the relevant country to nominate a lawyer and to decide who should pay any costs and expenses relating to the dispute. Until you have chosen a solicitor, we may appoint one for you to protect your interests.

You must tell us immediately if anyone offers to settle the claim. You must not negotiate or agree to settle or prejudice a claim without our approval. If you do not accept a reasonable offer to settle a claim we may refuse to pay further legal costs. We may decide to pay you the amount of damages you are claiming instead of starting or continuing legal proceedings. If you stop a claim without our agreement or do not give suitable and prompt instructions to an appointed lawyer the cover provided will end at once.

If we ask, you must tell the appointed lawyer to have legal costs taxed, assessed or audited. You must take every step to recover legal costs that we have to pay and you must pay us any legal costs that are recovered.

What is not covered

1. Costs or expenses incurred without prior authorisation by us.
2. Any claim not notified to us within 180 days after the commencement of the event giving rise to the claim.
3. The pursuit of a claim against us, our Agent, our appointed assistance company, a travel Agent, tour operator or carrier.
4. The pursuit or continued pursuit of any claims where we consider that a reasonable settlement is unlikely to be obtained.
5. Actions between you or any other Insured Person or actions pursued in order to obtain satisfaction of a judgement or other legally binding decision.
6. The pursuit of a claim in respect of the same incident in more than one country.

SECTION 10 - Customs Regulations

What is covered

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

SECTION 12 - Alternative Route

What is covered

If you and any Insured Person arrive at the port or international rail terminal too late to commence the outward journey of your booked Trip, as a result of accident or breakdown involving the Insured Vehicle in which you are travelling, or cancellation or curtailment of scheduled public transport due to adverse weather conditions, Strike or Industrial Action or mechanical breakdown or derangement.

We will, subject to availability:

1. Provide assistance by liaising with the carrier and/or tour operator to advise of your late arrival.
2. Make arrangements as necessary for overnight hotel accommodation and alternative international travel.
3. Pay for reasonable additional travelling and accommodation expenses necessarily incurred to reach the booked destination by the most direct alternative route, up to a maximum under this Section of £250 in total per Insured Person, with an overall limit under this Section of £1,500.

Please remember

1. You must have taken every reasonable step to commence and complete the journey to the departure point and check in for the sea crossing or train journey on time.
2. You must obtain written confirmation from the carrier stating the period and reason for delay.

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. Additional costs where the scheduled public transport operator has offered reasonable alternative travel arrangements.
4. Claims for additional mechanical wear and tear or depreciation of the Insured Vehicle or for mileage charges other than additional fuel and oil.

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General Conditions

Applying to this Policy

1. This part describes your responsibilities and certain procedures which you and any Insured Person must comply with. For any claims to be paid or assistance to be provided under these Policy terms and conditions, you and any Insured Person must:
2. Be a Resident of the UK.
3. Take reasonable care to safeguard against accident, injury, loss or damage as if the cover was not in force.
4. Forward to us immediately upon receipt every writ, summons, legal process or other communication in connection with a claim.
5. Observe any licence conditions and all the terms, provisions, conditions and endorsements set out in the Policy.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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.
11. 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.
12. 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.
13. 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.
14. We can arrange to recover you following a road traffic accident but you may be responsible for any costs involved. However, you
    • Which was immobile or unroadworthy when cover was taken out;
    • Which is situated in areas to which our Agents have no right of access or on motor traders' premises.
15. 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.
16. 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.
17. You are not insured for:
    • 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.
18. 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.
19. 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 may be able to recover these from your motor insurer.
20. Nothing in this Policy will exclude or restrict our liability for death or personal injury resulting from our negligence.
21. 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 over and deal with in your name the defence or settlement of any claim made under this cover.
3. Take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the cover.
4. Not refund the premium unless you return this pack and your Tesco Car Breakdown Cover receipt to us prior to the start of the trip.
5. Or with medical certificate/unused travel documents to prove the trip was not undertaken.
6. 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

The services in this Policy do not apply in respect of any Insured Vehicle:

• Which has not been maintained and operated in accordance with the manufacturer's recommendations;
• Which is used for hire or reward or for the carriage of goods for reward;
• Which is temporarily immobilised by floods or snow-affected roads or as a result of whole or partial immersion in water, snow, sand or mud;
• Which 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;
• 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;

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Your Information

Tesco Car Breakdown Cover is arranged by Tesco Personal Finance Limited ('TPF') and underwritten and provided by UK Insurance Limited ('UKI'). In this Information statement, 'we' and 'us' refers to TPF and UKI, unless otherwise stated. Your privacy is important to us, and we promise to respect your personal information.

Please take a few minutes to read this document as it contains important information relating to the details that you have given us. You should also show this document to anyone else who is covered under your policy.

Collection of information

Your personal information' means any information obtained from you in connection with a service or product provided to you by us or Tesco PLC (and its subsidiaries). Information is collected lawfully and in accordance with the Data Protection Act 1998. We will do our best to ensure that your details are accurate and kept up to date.

Use of information

TPF and Tesco PLC (and its subsidiaries) will use your personal information to:

• Confirm, update and improve their customer records,
• Identify and market products and services that may be of interest to you,
• Analyse and develop their relationships with you, and
• Help in processing any applications you may make.

By UKI

UKI will use the personal information that you have given to UKI and TPF to manage and administer your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, regulatory authorities or to UKI's agents who provide services on our behalf.

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Dealing with other people

At the request of many of our customers and to make managing your insurance more convenient, it is UKI's policy to deal with your spouse or partner who calls us on your behalf. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call us to let us know.

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Automatic renewals

If you have taken advantage of our automatic renewal service we will retain your payment details in order to continue to deduct premiums when your policy is renewed.

The personal information you give us and the information about your use of the services may be used by UKI and its associated group companies, TPF or Tesco PLC (and its subsidiaries), to tell you by letter, telephone or e-mail about other products or services that may interest you. Your personal information will only be disclosed to third parties other than UKI and its associated group companies, TPF and Tesco PLC (and its subsidiaries) if:

• It is necessary for the performance of your agreement with UKI, or
• If you have given your consent, or
• If such disclosure is required or permitted by law.

You may tell us that you do not wish to receive information from UKI and its associated group companies, TPF or Tesco PLC (and its subsidiaries) about other services or products or any third party services or products. If you would prefer not to receive this information please tell us when you next call or write to us at the address on the opposite page. 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) about you and others named on the insurance policy. We will not use sensitive personal data (such as physical or mental health information) about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents. You will have been asked to agree to this when you called but please ensure that you only provide us with sensitive information about other people with their agreement.

• Pressure waves caused by aircraft or other aerial devices travelling at sonic or super sonic speeds.
• We shall not be liable for any loss of profit, indirect or
• consequential loss of any kind arising from the provision of, or delay in providing, the services to which this Policy relates.
• 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.
• We shall have no responsibility to perform any obligations pursuant to this Policy where those obligations are dependent on the fulfilment of your obligations as set out in this Policy and you have failed to carry out those obligations.
• 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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Fraud prevention & detection

Insurance fraud costs the industry millions of pounds each year and inevitably increases premiums. In order to prevent and detect fraud we may at any time:

• Share information about you across the Royal Bank of Scotland group and with other insurers;
• Pass your details to Insurance Hunter, a central insurance application and claims checking system, whereby it may be checked against information held by Insurance Hunter and shared with other insurers;
• Check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, we will record this with the fraud prevention agency. We and other organisations may also use and search these records to:
  • help make decisions about credit and credit related services for you and members of your household
  • help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household
  • trace debtors, recover debt, prevent fraud and to manage your insurance policies
  • check your identity to prevent money laundering, unless your furnish us with other satisfactory proof of identity
  • undertake credit searches and additional fraud searches. Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Limited and (for motor and rescue products) the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance we may search these registers. Under the conditions of your policy you must tell us about any incident (such as accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.

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Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially.

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Further Information

You are entitled on payment of a fee to receive a copy of the information UKI hold about you. This will be information that you have given us during your policy. We do not hold any information relating to your credit status.

If you would like to obtain information held about you by TPF please write to Data Protection Manager, Legal & Compliance Manager, Tesco Personal Finance, 52 West Register Street, Edinburgh, EH2 2AA.

If you would like a copy of your information, please contact the Data Protection Officer, 3 Edridge Road, Croydon, Surrey CR9 1AG, quoting reference DLI.

Please read this policy carefully and keep it in a safe place.

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What if I change my mind?

If after you have purchased your policy you find it is not suitable you can:

• Upgrade it for a different level of cover, or
• Get a full refund within 14 days of the purchase/receipt of your product, providing you have not travelled or made a claim. Simply call us on the number below.

If anything isn't clear, please call us on:

0845 246 0717

Lines open 8am-8pm Mon to Fri & 9am-5pm Sat.

Calls charged at local rate.

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