Breakdown Insurance
AA Warranty Roadside Assistance
- Terms and Conditions Summary
This document provides you with basic details of your AA Warranty Roadside Assistance which provides Breakdown Assistance cover. The provider of this cover is The Automobile Association Limited, unless otherwise stated. This is not a statement of the full terms and conditions of your policy, which can be found in your Terms and Conditions booklet (the"Booklet") and should be read in conjunction with this summary. The duration of your cover is 12 months, 24 months or 36 months. Subject to Your rights to cancel, the Policy will remain in force for the period as defined on Your schedule of insurance.
1. What are the main features/benefits of AA Warranty Roadside Assistance?
Roadside Assistance - Provides assistance following an immobilising breakdown more than a 1/4 of a mile from home.
Home Start - Provides breakdown assistance following an immobilising breakdown at or within a 1/4 of a mile of home. Available 24 hours after joining.
Relay - Following a breakdown more than _ from home this provides recovery of an immobilised vehicle (including a caravan or trailer which was on tow at the time), and up to a maximum of eight people to a single destination of your choice on the UK mainland or in Northern Ireland. Available 24 hours after joining.
Relay Plus (underwritten by Automobile Association Underwriting Services Limited) - Available in conjunction with Relay following a breakdown where we cannot fix the vehicle or arrange a local repair. If Relay Plus is authorised you can choose one of the following benefits: one night's hotel accommodation, or a replacement vehicle for 48 hrs (including insurance), or reimbursement of reasonable public transport costs.
Please note: Provided the relevant Relay, Relay Plus and Home Start subscriptions have all been paid at least 24 hours before the breakdown occurred, You will also have the choice of one of the three Relay Plus benefits, subject to the terms of any such benefit, if Your Vehicle is immobilised following a breakdown at or within 1/4 mile or the customer's Home Address and the AA cannot arrange a local repair within a reasonable time.
2. Are there any significant exclusions or limitations to my AA Warranty Roadside Assistance?
Key restrictions of your cover are noted below.
(refer to the Booklet for full details of these and other restrictions):
- Service is available within the UK only (see under Territory), and only to vehicles which comply with the stated vehicle weight & width restrictions (see under Vehicle type, weight, size & age restrictions).
- Any car hire that may be arranged for a customer will be subject to the hirer's terms and conditions (see under Replacement Vehicle). See under 'General Terms of contract':
- You should notify the AA immediately of any intended change of vehicle registration. Service will not be available for 24 hours following a vehicle change.
- Assistance is not available following a breakdown or accident attended by the police or other emergency service, until the vehicle's removal is authorised. If the police insist on recovery by a third party, the cost of this must be met by you.
- Transport of any animal is discretionary, and horses or livestock will not be recovered.
- Routine maintenance, running repairs, the cost of spare parts, petrol, oil, keys, specialist lifting equipment, garage or other labour required to repair your vehicle are excluded as is the provision of service on private property without the relevant permission.
- Service is discretionary where it is requested to deal with the same or a similar fault or cause of breakdown to that attended in regard to the same vehicle within the preceding 28 days.
- A person must be with the vehicle at the time of breakdown and assistance. A valid entitlement card and some other form of identification must be produced. Service will be refused and may be cancelled if anyone behaves in an abusive or threatening manner, or if the AA is owed money.
- Under the Service Control Policy further premiums may be requested should the maximum number of call-outs be exceeded.
3. What if I want to cancel my AA Warranty Roadside Assistance?
You have the right to cancel your cover within 14 days of conclusion of contract or from receipt of your cover documentation (the "cooling off period"). If you cancel in the cooling off period and did not require assistance at the time of joining you will be entitled to a refund of your premium, less a pro rata charge for the period of cover and our administration charge.
If you purchased cover already requiring assistance and wish to cancel within the cooling off period, you will receive a full refund of any premium paid less the AA's charges for any assistance provided, subject to an administration charge (see General terms of contract, clause 7).
After this cooling off period has expired and subject to any other statutory rights you may have, you will not be entitled to any refund for unexpired portions of cover.
4. What if I need to make a call-out?
If you require breakdown assistance in the UK, please call 0800 294 0911 .You will need to provide your vehicle information, and details of your circumstances.
5. What if I need to make a complaint?
If you wish to register a complaint, please contact us:
By phone: 0845 607 6727
In writing: Customer Care, AA, Lambert House, Stockport Road, Cheadle, Cheshire, SK8 2DY
By email: Customersupport@theAA.com
If you cannot settle your complaint, in relation to Relay Plus only, with us you may be entitled to refer it to the Financial Ombudsman Service.
6. Are we covered by the Financial Services Compensation Scheme (FSCS)?
Cover provided by The Automobile Association Limited (Roadside, Relay and Home Start) does not fall within the FSCS. Relay Plus, only, falls within the FSCS. If any of the cover you have purchased is underwritten by AAUS, you may be entitled to compensation from the scheme is AAUS cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 020 7892 7300.
Loss of Keys Cover
Some important facts about your Key Protection insurance are summarised below.
This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.
Insurer
Equity Red Star at Lloyds
Your cover is valid for one year or the period stated on Your Insurance certificate.
Significant Features and Benefits
This policy provides you with £500 worth of insurance cover in the event that any of your keys attached to the provided fob are either lost, stolen or broken. The main benefits are as follows:
1.£500 annual cover for locksmith charges, new locks and keys, car hire and onward transport costs.
2.Up to 3 days car hire if you are stranded or your car is unusable as a result of lost, stolen or broken
keys.
3.24 hour 365 days a year Emergency Helpline.
4.£10 reward payable to the finder of your keys.
5.Any key attached to the fob is covered.
6.There is no excess payable.
7.You can make a claim on this policy without affecting your “No Claims Bonus” on your other
insurance policies. Relevant section in the policy document 'Terms and conditions of policy'.
Significant and unusual exclusions or limitations
The following points are important and relate to the cover:
1. Keys are only covered if attached to the key fob provided by Boomerang-Tag.
2.The total value of claims in any one year may not exceed £500. 3.All receipts should be retained and attached to the claims form.
4. Keys will not be considered irrecoverable until lost for at least five days. 5. Keys attached to the fob must have been lost, stolen from or broken by the Policyholder or by a member of the Policyholder’s family living at the same address.
6.In order to replace locks, the Policyholder will need to prove that the lost or stolen keys relate to the relevant premises or vehicle and that no duplicates are available.
7.The Policyholder must notify Boomerang-Tag immediately of loss or theft.
8.Consent must first be obtained from Boomerang- Tag for car hire. The car may not be in excess of 1600cc.
9. Locks damaged prior to the loss or theft of keys will not be covered.
10. Replacement locks shall not be of a higher standard than those replaced.
11. A maximum of £50 will be paid per incident where keys are locked inside property or where a key breaks in a lock.
12. Membership is subject to the Terms and Conditions
of the Master Certificate of Insurance that is held
by Boomerang-Tag Ltd and underwritten by Equity
Red Star. A full copy of the Terms and Conditions
are available from Boomerang-Tag Ltd.
Relevant section in the policy document
Terms and conditions of policy
Complaints Procedure
We will always do our best to ensure your complete satisfaction, however if you wish to make a complaint, please write to
The Chief Executive, Boomerang-Tag Ltd. Kircam House,
5 Whiffler Road, Norwich NR3 2AG.
Tel: 0871 230 1213.
If you are not satisfied with the way the complaint has been dealt with, you should write to
The Managing Director, Equity Red Star Services Ltd,
Library House, New Road, Brentwood, Essex CM14 4GD.
Tel: 01277 200111.
If you are still not satisfied, you can contact the Financial
Ombudsman Service, South Quay Plaza, 183 Marsh Walk,
London E14 9SR.
Tel: 020 7964 1000.
The complaints procedure does not affect any legal rights you may have.
Helpline
We provide a 24 hour, seven days a week Helpline service.
Relevant section in the policy document
Terms and conditions of policy
Cancellation Right
We hope you are happy with the cover this policy provides.
However, you have the right to cancel it within 14 days
of receiving the policy, without giving any reasons. If
that happens you will be required to pay a pro rata
proportion of the premium for the time you have been
on cover.
Making a Claim
Call the Key Protection Helpline on 0871 230 1213.
Please quote the reference number found on the reverse of your fob or written on the pop-out card:
The following information will be required:
– Policy reference as above.
– Your name.
– Your address.
– Details of the loss, theft or damage to your keys.
