Breakdown Repair Cover Policy Summary
AA Breakdown Repair Cover – Policy Summary
This document provides you with basic details of your Breakdown Repair Cover which can help with the costs of parts and labour required after the breakdown of a nominated vehicle. Breakdown Repair Cover is underwritten by Automobile Association Underwriting Services Limited. This is not a statement of the full Terms and Conditions of your cover, which can be found in your Breakdown Repair Cover Terms and Conditions booklet which should be read in conjunction with this summary. The duration of this cover is to the expiry of your current breakdown cover. You may need to review this cover periodically to ensure it continues to meet your needs.
- What are the main features/benefits of Breakdown Repair Cover?
- Cover is against the cost of repair/replacements of insured part(s) necessary for the nominated vehicle in the event of unforeseen breaking down or burning out (electrical) of such part(s) during a journey more than a quarter of a mile from home, or in a Home Start situation (where Home Start is included as an optional extra with your membership), which prohibits the vehicle from safe movement and results in the deployment of AA Breakdown Assistance and necessary repair or replacement of the insured part(s) to enable the journey to be resumed.
- You can claim up to £500 (including VAT and subject to a £25 excess) per claim and make up to five paid claims a year.
- Are there any significant exclusions or limitations to my Breakdown Repair Cover?
This is a summary of the main exclusions and limitations of your Breakdown Repair Cover:
- Cover commences 14 days after your policy start date (you cannot claim for a breakdown occurrence before day 15) (see your Terms and Conditions booklet under 'Commencement of Cover').
- If you change the vehicle covered, you will not be able to make a claim for 14 days after you have notified the AA of a vehicle change (see under 'If you change your vehicle').
- No repairs may start until the Claims Department has agreed and authorised the repairs with the repairer. Once authorised all repair invoices for settlement must be received in the Claims Department within six weeks of the date the AA patrol/garage agent attended the initial breakdown.
- Vehicles which can be covered by AA Breakdown Repair Cover
Cover is available for any vehicle which is eligible for breakdown assistance cover under Your AA Membership* (Personal or, as applicable, Vehicle Membership) excluding motor caravans, kit cars, taxis, private hire vehicles, any vehicles used for hire or reward, any vehicles used in the provision of courier services and any caravans or other trailer. A supplementary premium will be payable for eligible vehicles which are:
- 10 years old or more when first registered with the Insurer; and/or
- have 100,000 or more recorded miles, at that time;
In addition, to be eligible for cover under AA Breakdown Repair Cover, any motorcycle must be a two wheeled motorcycle with an engine capacity of over 50cc.
Please note that the age of a vehicle will be taken from the date of its first registration with the DVLA except for imported vehicles where the month and year of manufacture will be used to determine age.
Please see the terms and conditions of Your AA Membership, under vehicle specifications, for details of vehicle eligibility under AA Membership, which includes, but are not limited to:
- a maximum gross vehicle weight limit of 3.5 tonnes and
- requirements (for Vehicle Membership only) that a vehicle be registered with the A and, if Roadside Assistance only is held, is no older than 10 years old when so registered.
- The vehicle must be serviced in accordance with the manufacturer's recommendations and service intervals (Service and mileage records for vehicles are taken from the date Breakdown Repair Cover first commenced for the registered vehicle).
- Proof of servicing (for example receipts or invoices) may be required for some claims.
- Cover is only available in connection with breakdowns attended by the AA (or its agents) under your AA Membership.
- You can only hold one Breakdown Repair Cover with your breakdown cover.
- Breakdown Repair Cover is not available on the Channel Islands and Isle of Man.
- What if I want to cancel my Breakdown Repair Cover?
You have the right to cancel this cover within 14 days from your receipt of your policy documentation (the cooling off period). You will be entitled to a full refund of your premium if you cancel during the cooling off period before your cover commences. If you cancel during the cooling off period, but on or after your cover commences, and no claim has been made, you will be entitled to a full refund of your premium. If a claim has been made during this period then you will be entitled to a full refund of your premium but you will need to reimburse the Insurer with the full amount of the claim. You should, if requested, promptly return any proof of entitlement provided and must not, in any event make further claims under the cancelled cover.
- What if I need to make a claim?
If you have a claim regarding your Breakdown Repair Cover, you can call the Claims authorisation and advice helpline on: 0845 604 0042, or write to: The Claims Department, Breakdown Repair Cover, AAWS, Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY.
- What if I need to make a complaint?
If your complaint relates to a claim in the first instance you can call the Claims authorisation and advice helpline on: 0845 604 0042, or write to: The Manager, Breakdown Repair Cover, AAWS, Lambert House, Stockport Road, Cheadle, Cheshire, SK8 2DY. If you are not satisfied with a decision about a query or a claim, you may refer the matter directly to the insurer at: AA Breakdown Repair Cover, Automobile Association Underwriting Services Limited, Fanum House, Basingstoke, Hampshire RG21 4EA.
If you wish to register a general complaint please contact the AA by phone: 0845 607 6727 or in writing to: Member Care at The AA, Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY or by email: customersupport@theAA.com
If you remain dissatisfied with the final response to your complaint, you can also contact the Financial Ombudsman Service for help and advice.
- Are we covered by the Financial Services Compensation Scheme (FSCS)?
The insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 0207 892 7300.
Automobile Association Insurance Services Limited is an insurance intermediary and is authorised and regulated by the Financial Services Authority (FSA).
Registered Office: Fanum House, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number: 2414212.