Taxi - Local Recovery & Roadside Assistance

Standard Recovery

What is Insured?

• Help to repair your vehicle at the roadside in the UK when you are more than ¾ mile from your home.
• If your vehicle cannot be repaired within 60 minutes, your vehicle, you, and the passengers will be transported to the nearest garage (within 20 miles).
• If recovery to the nearest garage is not possible or the repair cannot be made the same day, your vehicle, you and the passengers will be transported to your home or a chosen destination, provided this is 20 miles or less from where the breakdown took place.
• Recovery of a trailer or caravan if attached to your vehicle.
• Misfuelling cover – Up to £250 to pay for the cost of draining incorrect fuel, and replacement with up to 10 litres of correct fuel
• Key cover – To recover you to your home or a garage/dealership if you lose or break your keys or lock your keys in your vehicle.

What is Not Insured?

Main Exclusions only

• Any breakdown which occurs within the first 48 hours from the start date of your policy, or before the vehicle was placed on cover or upgraded from a lower cover level.
• Any breakdown caused by failure to maintain the vehicle in a roadworthy condition, or assistance if the vehicle is untaxed or uninsured.
• Costs incurred in respect of a recovery further than 10 miles from the scene of the breakdown if your vehicle is immobilised due to snow, mud, sand, water, ice, or a flood.
• Costs incurred in respect of a recovery further than 20 miles for Standard Recovery.
• Faults, or symptoms from faults, which you have not repaired or remedied where you have requested a callout from our roadside agent within the previous 28 days.
• A breakdown following use of the vehicle for motor racing, rallies off road driving, track days, duration or contest or speed trials, or practice for any of these activities.
• Assistance if the vehicle breaks down in a place the roadside agent cannot access, or which will be dangerous or illegal to collect or transport the vehicle from.
• The cost of any parts, components or materials used to repair the vehicle, or repair and labour costs other than the cost of an hour’s roadside labour at the scene of the breakdown.
• The cost of fuel, oil, or insurance for a hire vehicle.
• Any damage to your vehicle, or loss of or damage to its contents, or any injury to you or any third party caused by the roadside agent
• Repatriation if the vehicle can be repaired but you do not have adequate funds for the repair

    Are there any restrictions on cover?

• Your vehicle or motorcycle must be less than 3,500kg gross vehicle weight.
• The vehicle detailed within your schedule which is 15 years or less than in age. Light commercial vehicle (excluding couriers) detailed within your schedule which is 10 years or less than in age.
• Your vehicle cannot be used for the purpose of providing a courier service
• It cannot be a minibus, motorhome, horsebox or limousine.
• Caravans/trailers attached to your vehicle when a breakdown occurs will only be recovered if fitted with a standard towing hitch and if the caravan/trailer does not exceed 7 metres in length (applicable only where the cover level you selected includes caravan/trailer cover).
• The policy will not pay for costs in addition to a standard call out if you are not carrying a legal spare wheel and tyre, space saver wheel, aerosol repair kit, appropriate jack, or if the locking mechanisms for the wheels are not immediately available to remove the wheels. 

Are there any Extra Charges?

• There is an administration fee of £9.99 if you need to change your vehicle