Vehicle Rescue Direct
General Conditions

GENERAL CONDITIONS applying to all parts of this policy:

1. Your vehicle must be permanently registered in the United Kingdom and if appropriate have a current MOT certificate. It shall at all times be maintained in a good mechanical and roadworthy condition and be regularly serviced in accordance with the manufacture’s specifications. It must be under 16 years old since first registration.
    
2. If we arrange for temporary roadside repairs to be carried out following the Breakdown of your vehicle, or we provide recovery to your nominated destination, you must arrange a permanent repair at your earliest opportunity otherwise we shall not be liable to provide further assistance in respect of the same incident or insured event.
    
3. No benefit shall be payable unless you contact us via the emergency telephone numbers provided. You must not seek to contact any agent or repairer direct.
    
4. You are responsible for the safety of your vehicle and its contents and, unless incapacitated, or by arrangement with us or our agent, you must be in attendance at your vehicle at the estimated time we advise that assistance can be expected.
    
5. Your policy number must be quoted when calling for assistance and the relevant identification produced on the demand of the repairer, recovery specialist or other nominated agent of Inter Partner Assistance.
    
6. You will have to pay the cost for the recovery or repair vehicle coming out to you if, after requesting assistance to which you are entitled, your vehicle is moved, recovered or repaired by any other means.
    
7. You will have to pay any costs You would have been required to pay if the incident resulting in the claim had not happened.
    
8. We are not responsible for any actions or costs of garages, recovery firms or emergency services carrying out work or acting on your instructions or the instructions of any person acting on your behalf.
    
9. We shall be entitled to request all reasonable assistance from you to conduct proceedings in your name for Inter Partner Assistance's benefit to seek reimbursement from a responsible Third Party following payment of a claim made under any cover provided by this insurance.
    
10. You shall carry a serviceable spare tyre and wheel for your vehicle and any attached caravan or trailer. (Other than for vehicles which do not carry a spare wheel as part of the manufacturer’s standard specification, e.g. motorcycles.)
     
11. We reserve the right to nominate a suitable garage equipped to undertake repair, at your expense, rather than recover an immobilised vehicle, where effective repairs can be completed within 8 hours.
     
12. If we arrange for temporary roadside repairs to be carried out to your vehicle, you are required to then immediately arrange for any permanent repair that may be necessary.
     
13. If your vehicle needs to be taken to a garage after a breakdown, it must be in an easily accessible position for a recovery vehicle to load. If this is not the case you will have to pay an emergency recovery fee.
     
14. You will have to pay for parts, components or other products used in the repair of your vehicle.
     
15. We will not arrange for assistance where your vehicle is considered to be dangerous or illegal to repair or transport.
     
16. Inter Partner Assistance shall not be responsible for more than two claims made against the Service during any 12 month period which arise from a common identified fault; and no more than four in any 12 month period.
     
17. If you are covered for breakdown by any other insurance policy or warranty you must tell us.
     
18. Should you be unwilling to accept our decision or that of our agents on the most suitable form of assistance to be provided, we will pay not more than £100 for any one breakdown towards your preferred form of assistance.
     
19. We cannot guarantee that hire cars will always be available and we are not responsible if they are not available. We will do our best to arrange a vehicle of equivalent size but no guarantee can be given that there will be tow bars, bike racks, roof boxes, or other accessories included. Hire cars are provided subject to you meeting the conditions of the hirer. In most parts of Europe, hire cars are not permitted to cross national frontiers or to be brought back to the United Kingdom.
     
20. The parties to this insurance are you and us and any person or company who is not party to this insurance policy has no right under the Contracts (Right of Third Parties) Act 1999 to enforce any term of this insurance policy but this does not affect any right or remedy of a third party that may exist or is available apart from that Act.
     
21. Any reduction in cover will only be allowed at renewal of the cover.
     
22. We may cancel this policy by giving you fourteen days notice by recorded delivery to your last known home address. If we do this we will refund any unused part of your premium as long as you have not made a claim during the period of cover. During the fourteen days ‘cooling off’ period after the initial purchase, you may cancel your policy and your premium
    will be refunded in full providing you have not made a claim or used the service after the date of travel.