Understanding the Different Cover Levels

All Claims are handled by Call Assist - 24 hours a day 7 days a week


Standard Recovery


  • 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.


National Recovery


  • Same benefits as Standard Recovery, but with nationwide recovery.
  • Recovery of your vehicle if you are medically unfit to drive
  • Overnight accommodation or alternative travel as an alternative to recovery.


National Plus


  • All the same benefits as National Recovery plus help to repair your vehicle at home or within 3/4 mile from home.


European


  • Assistance provided both within the UK and Europe.
  • Cover/benefits in the UK are the same as those under National Recovery.
  • Up to £150 to reimburse towing costs following a breakdown on a motorway/major road in some European countries.
  • If same day repair is not possible, alternative transport and/or emergency accommodation whilst your vehicle is repaired.
  • Suitable cover in the event of a breakdown near the end of your trip e.g. repatriation for you/your vehicle.


European Plus


  • Same benefits as European plus help to repair or recover your vehicle at home or within 3/4 mile from home.



IPID POLICY WORDING