RAC Business Breakdown Cover

RAC Breakdown Cover

For breakdown in the UK, please call:  0333 202 3000

If the vehicle breaks down, please provide us with:

1. Your name, or the name of your business
2. Your vehicle’s make, model and
3. registration number
4. The location of the vehicle – the road you’re on or the nearest junction
5. The number of the phone you’re using
6. The cause of the breakdown, if you know it
7. A form of identification such as a bank card or driving licence
8. Your credit card in your name if you need a hire car or additional services

Remember

1. Please let us know if you’ve called us but manage to get going before we arrive.
2. We’ll only provide cover if we arranged help. Please don’t go to a garage or other recovery service.
3. Breakdowns must be reported to us within 24 hours. If you don’t, we may refuse cover.

Policy Name: Van Total Cover

Part A – Breakdown Services

Covered:
If the vehicle breaks down within the UK we will:

1. Send help to repair the vehicle. This could be a permanent or temporary repair. If we need parts to be able to do this, we will provide service under “Pre-authorisation for cost of parts” on page 6; or
2. If we are unable to repair the vehicle at the roadside, we will:

     a) recover the vehicle and passengers to:

1. an approved garage; or
2. another local garage; or
3. a destination of your choice within the UK.

For long distances, we may need to transfer your vehicle to different recovery vehicles.

If we recover the vehicle to a garage, we will reimburse you for taxi costs for passengers to continue their journey to a single destination within 20 miles;

     b)provide you with a report, by email, which details what we think is wrong with your vehicle and what needs to be repaired or replaced;

     c) call up to 3 approved garages to find out which one can assess your vehicle the soonest

     d) obtain a repair estimate from your chosen garage, based on our findings at the roadside and explain that estimate to you. If a repair estimate is not possible because specialist garage equipment is needed to find the fault, we will let you know, and instead provide you with an estimate for the diagnosis.

Please note: If we are unable to take your vehicle to a garage during their opening hours, we will provide a recovery to a single destination of your choice and provide the garage support services as above the next working day. We are only able to provide one recovery however, so for example, if you choose for your vehicle to be taken home, you will not be covered for a second recovery to a garage the next day.

Not covered:

   1. The cost of any parts over the amount pre- authorised

   2. The cost of specialist resource;
   3. The fitting of parts, including batteries, supplied

by anyone other than us;
   4. Any breakdown resulting from a fault that we have

previously attended and:

     a) The original fault has not been properly repaired; or

     b)  you have not followed our advice after a temporary repair;

   5. If the breakdown is caused by a tyre fault, and the vehicle is not carrying a serviceable spare tyre, the tyre repair equipment provided by the vehicle’s manufacturer or a locking wheel nut key, we will only recover the vehicle and passengers to a destination within 10 miles of the breakdown;

   6. Recovery for caravans or trailers if your caravan or trailer breaks down; and

   7. Where you have requested that we do not fit parts to repair the vehicle at the roadside, under “Pre- authorisation for cost of parts”, we will only recover the vehicle and passengers to a destination within 10 miles of the breakdown.

Part B – Travel and mobility

Covered:
If we attend a breakdown under Part A and are unable to fix your vehicle on the same day, we will help you by making arrangements to keep you mobile while your vehicle is in for repair.
You can choose one of the following options, based on your circumstances and subject to availability:
   1. Van Hire;
   2. Alternative transport; or
   3. Alternative accommodation.

Van Hire

Covered:

Van Hire must be arranged with us within 24 hours of the vehicle’s breakdown.

   1. We will arrange for the hire of a replacement van of similar size for up to 48 hours, or until your vehicle has been fixed, if sooner;

   2. If you are not eligible for a hire van arranged by us for any reason, such as you do not meet the hire provider’s terms (for example you have certain types of endorsement on your licence or you do not meet the minimum age requirement of 21), and you choose to hire a van yourself, let us know before you do this, and then provided we have agreed the cost, we will reimburse you:

     a. Up to a maximum of £60 per day, up to a maximum of 48 hours hire, or until your vehicle is fixed, if sooner.

   3. Where we arrange van hire, we will pay the insurance and collision damage waiver (this covers the cost of damage but you would still need to pay the excess).

Not Covered:

1. We will not provide any specific vehicletype, model or accessories, including tow bars.
2. Any cost of:

     a)The hire provider collecting the hire van at the end of the rental;

     b)fuel while using the hire van; or

     c)any insurance excess and additional costs.

2. Alternative transport

Covered:

1. If you would prefer to continue your journey by air, rail, taxi or public transport, we will reimburse you for a standard class ticket, up to £150 per passenger, or up to £500 for the whole party, whichever is less.

3. Overnight accommodation

Covered:

1. You may decide that waiting for the vehicle to be fixed is best for you. We will arrange one night’s bed and breakfast accommodation up to the value of £150 per passenger or up to £500 for the whole party, whichever is less.

Assistance in a medical emergency

Covered:

We will also help if you or one of the passengers of the vehicle suddenly or unexpectedly falls ill or is injured and needs medical help before the end of the journey. We will help:

1. Book one night’s bed and breakfast accommodation for the you and your passengers if the hospital is more than 20 miles from your home address. We will reimburse you up to £150 per passenger or £500 for the whole party, whichever is less; and
2. Arrange to get the patient home or to a local hospital as soon as they are fit to travel.

Not covered

     1. We will not assist where you or one of the passengers is taken ill during a journey to or from a doctor’s surgery or hospital, including planned doctor or hospital appointments oremergencies.