European Breakdown policy terms & conditions

Geographical limits

Cover will apply in the following countries: Albania; Andorra; Austria; Azores; Bailiwick of Guernsey; Bailiwick of Jersey; Balearics; Belarus; Belgium; Bulgaria; Canary Islands; Corsica; Croatia; Cyprus; Czech Republic; Denmark; Egypt; Estonia; Finland; France; Germany; Gibraltar; Greece; Hungary; Iceland; Isle of Man; Israel; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Madeira; Malta; Moldova; Monaco; Morocco; Netherlands; Norway; Poland; Portugal; Republic of Ireland; Romania; Russia west of the Ural Mountains; San Marino; Sardinia; Sicily; Slovak Republic; Slovenia; Spain; Sweden; Switzerland; Tunisia; Turkey; Ukraine

N.B. UK & Continental Europe Cover only Cover also applies within the United Kingdom area.
N.B. Continental Europe Cover only

In addition residents of England, Scotland, Wales and Northern Ireland are covered for trips to the Channel Islands. Please note the following:
When you are travelling outside the United Kingdom area, all the benefits apply door-to-door, so you will also be covered within the United Kingdom area during the direct journeys to and from your port of departure/arrival or the international rail terminal.

Home

The place where you normally live in the United Kingdom area and use for domestic purposes.

Insured vehicle

The vehicle (details of which you have supplied to us) described in the Certificate of Insurance which is:

• a private car, motor cycle of more than 120cc cylinder capacity, motorised caravan, minibus, light van, estate car, or 4x4 sport utility vehicle, registered in the United Kingdom area; a towed caravan or trailer of proprietary make;
• 10 years old or less at the commencement of the period of insurance;
• maintained and operated in accordance with the manufacturer's recommendations;
• not used for hire or reward;
• a vehicle not exceeding (including any load carried) the following gross vehicle weight and dimensions: 3,500 kg; length 7m; height 3m; width 2.25m;
• a vehicle carrying not more than the number of persons recommended by the manufacturer (and for whom seats are provided), with an overall maximum of 8 persons including the driver.

Please note the following:
If you change your vehicle during the period of insurance you must contact American Express Insurance Services to notify details of the replacement vehicle to be covered, otherwise no cover whatsoever will be provided.

Manual work

Work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial/supervisory, sales or administrative capacity) or manual labour of any kind other than in the catering industry or fruit picking by hand. Manual labour includes, but is not restricted to, hands-on work as a plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder.

Period of insurance

The period to which the insurance applies and for which you have paid, or agreed to pay the appropriate premium. This period is shown on your Certificate of Insurance. Please note that under Section 1 – Cover Prior to Departure applies for up to 7 days before your planned date of departure. Cover under all other sections applies for the length of your trip, unless it is further qualified under a specific section.

Please note the following:
When you have purchased Annual Cover you and your insured vehicle will be covered for a maximum of 183 days spent travelling outside the United Kingdom area during the period of insurance, irrespective of the number of individual trips you make.

N.B. UK & Continental Europe Cover only Cover also applies within the United Kingdom area.

Public transport

Includes the following forms of transport: aircraft, bus, coach, pre-booked taxi, sea vessel, and train.

Trip

For Annual Policies
A journey undertaken by you in the insured vehicle, within the geographical limits and during the period of insurance shown on your Certificate of Insurance, which starts and ends in the United Kingdom area and which does not exceed 120 consecutive days in total.

For Single Trip Policies A journey undertaken by you in the insured vehicle, within the geographical limits and during the period of insurance shown on your Certificate of Insurance, which starts and ends in the United Kingdom area.

United Kingdom area

England, Scotland, Wales and Northern Ireland.

We, us or our

Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland, which is a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium, registration 0487 and regulated by the Financial Services Authority for the conduct of UK business (registered number: 202664) and its agent AXA Travel Insurance (registered number: 475445) of the same Ireland address. All are member companies of the AXA Assistance Group.

You, your, yourself

The person(s) shown on your Certificate of Insurance who live(s) in the United Kingdom area and any other occupant of the insured vehicle (being a resident of the United Kingdom area), who is accompanying you on a trip.