KMIS CLASSIC RESCUE

This summary does not contain the full terms and conditions of the contract of insurance, which can be found in the policy document.

INSURER

Equity Red Star (ERS), managed by Cox Syndicate Management Limited, is authorised and regulated by the Financial Services Authority.

TYPE OF INSURANCE AND COVER

Motor Breakdown and Recovery Insurance

If the vehicle cannot be driven as a result of a breakdown, which occurs during the course of a journey, ERS will arrange and pay for the services as shown below

BENEFITS INCLUDED AS SPECIFIED IN THE POLICY DOCUMENT: - (Headings shown for reference)

Services in the UK

•       Roadside Assistance:
  We will arrange and pay call-out fees and labour charges needed to start the vehicle.

•       Vehicle Recovery:
  We will arrange and pay the cost of taking the vehicle, you and up to 4 passengers to any one place you choose.

•       Alternative Travel or Accommodation:
  If the vehicle breaks down while it is more than 25 miles from your home and it cannot be repaired, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation.

We will pay up to £150 for:
� alternative road, rail or air travel or car hire to allow you and your party to reach your destination and return: or
� one night’s hotel accommodation for you and up to 4 passengers

•       Caravan and Trailer Service
  Any caravan or small trailer will be entitled to the same service as the vehicle as long as it’s attached to the vehicle.

•       Message Service:
  If help is arranged by the Rescue Control Centre, we can contact your family or colleagues to let them know.

European Benefits:
1.   Roadside Assistance
2a. Recovery to the nearest garage or railway
2b. Garage storage costs
2c. Freight costs to obtain parts
2d. Hire car
2d. Replacement driver if the sole available driver becomes ill
2d. Second class rail fares
2d. Emergency accommodation costs
2d. Recovery of the vehicle to the home address if it cannot be repaired before your planned return date or car collection costs after repair
2e. Emergency repairs to secure car after break in
2f. UK car Hire
2g. Telephone calls

MAIN TERMS AND CONDITIONS (INCLUDING ANY SIGNIFICANT/UNUSUAL EXCLUSIONS (Referenced by policy sections)
Breakdown means a mechanical or electrical failure, accident, vandalism fire or theft, which renders the vehicle immobile – All sections.
Cover applies within the mainland of England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands. Austria, Andorra, Belgium, Czech Republic, Denmark, France, Germany, Greece, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Portugal, Slovak Republic, Spain, Sweden, Norway or Switzerland – All sections.
Ferry and/or toll fees are excluded – All sections.
The cost of any parts, emergency windscreens, components or materials used in any repair is not covered – All sections.
Service cannot be provided if the vehicle is off road or cannot be reached due to snow, mud, sand or flood – All sections.
The vehicle must not be driven in an unsafe or unroadworthy condition or until recommended repairs have been carried out  – All sections.
European cover is restricted to a total of 90 days use outside the UK and a maximum of 31 days per trip – All sections.