Britannia Rescue - Policy Summary

For polices after 17th May 2007:

For policies up to 16th May 2007:

Policy summary » print

For policies commencing on or before 31/12/05.

This summary does not contain the full terms and conditions of the Britannia Rescue policy - these can be found in the policy document.

The Insurer

The vehicle rescue cover is underwritten by csma Capital limited, trading as Syndicate 1923 at Lloyd's, 1st Floor, Fountain House, 130 Fenchurch Street, London, EC3M 5DJ. Britannia Rescue, St George's Square, Huddersfield, West Yorkshire, HD1 1JF, is an operating division of Motoring and Leisure Services Limited which acts as an intermediary for arranging the insurance and providing administration of claims and associated services.

Type of cover

This policy provides you with vehicle breakdown and recovery services in the United Kingdom and if you travel to the Republic of Ireland. We have set out a summary of the different standards of service which we provide below. The type of service which you will receive will depend on the amount of premium which you pay us, and is indicated on your membership card. For instance, if you have paid the correct premium for deluxe, we will extend your vehicle cover to include travel in Europe. These are summaries of the relevant levels of service - please refer to the policy document for full details

Rescue - significant features (see clause E1 in the policy document)

Roadside assistance
Recovery (to nearby garage)
Including your caravan or trailer
Help in case of theft or vandalism

Standard - significant features (see clause E2 in the policy document)

Roadside assistance
Recovery (to the destination you choose)
Including your caravan or trailer
Help in case of theft or vandalism
Relief driver

Comprehensive - significant features (see clause E3 in the policy document)

Roadside assistance
Recovery (to the destination you choose)
Including your caravan or trailer
Help in case of theft or vandalism
Relief driver
Housecall

Deluxe - significant features (see clauses E4 and E5 in the policy document)

Roadside assistance
Recovery (to the destination you choose)
Including your caravan or trailer
Help in case of theft or vandalism
Relief driver
Housecall
Replacement car or help with overnight hotel accommodation
European cover

Personal cover - significant features (see clause 6 in the policy document)

If you have chosen Personal cover - as indicated on your membership card - this extends your chosen level of cover to any privately owned vehicle you drive or travel in, within the UK, and any privately owned caravan or trailer that is attached to that vehicle.

Significant restrictions and exclusions (see clause D1 in the policy document)

The cost of all parts or supplies used or provided to you or for your vehicle.
Any charges incurred because your vehicle is not carrying a legal and serviceable spare wheel.
Any costs involved in moving your vehicle into a position where we can try to repair it or transport it.
Breakdown services for vehicles involved in sporting events.
Vehicles involved in commercial activity.
For Personal cover, we will only provide services if you have your Britannia Rescue membership card at the scene of the breakdown.

Period of cover

Policies are valid for a period of one year, unless you have purchased monthly cover - see clause 7 of the policy document.

Cancellation

When you receive confirmation of your membership, you have 14 days in which to consider the cover provided. If you are not satisfied, you may apply to us for a full refund of premium paid, which we will provide as long as you have not used any of our services. During the policy term you may cancel or downgrade your cover at any time by giving us seven days' notice– see clause 8 of the policy document.

Claims

Claims should be notified to the claims centre at St George's Square , Huddersfield , West Yorkshire, HD1 1JF, or by telephone to the number shown on your membership card. The booklet ‘What to do if you break down' sent with your welcome pack, contains full details. .

Complaints

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, write quoting the number on your Britannia Rescue membership card to: The Quality Manager, Britannia Rescue, St George's Square , Huddersfield , West Yorkshire, HD1 1JF.

If you are still unhappy with the service and wish to make a complaint, please write to: The Compliance Officer, csma Capital Limited, trading as Syndicate 1923 at Lloyd's, 1st Floor, Fountain House, 130 Fenchurch Street , London , EC3M 5DJ .

If you are still not happy after you receive a reply from the underwriter, you can refer the matter to: Lloyd's Complaints Department, Lloyd's, 1 Lime Street , London , EC3M 7HA .

This would not affect your rights to take legal action.

f you are still not satisfied, you can refer the matter to the Financial Ombudsman Service.

Compensation from the Financial Services Compensation Scheme (FSCS)

If we are unable to meet our liabilities under your policy, you may be entitled to compensation from the Financial Services Compensation Scheme. Further information can be obtained from their website at http://www.fscs.org.uk/ . In addition the Lloyd's Central Fund is available to meet claims at the discretion of the Council of Lloyd's.

Full terms & conditions

Full terms and conditions are in the policy document which is included in your welcome pack. Copies can be obtained by writing to The Quality Manager, Britannia Rescue, St George's Square , Huddersfield , West Yorkshire, HD1 1JF

PD2A (Issue 1/05) BI38