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UK car hire following an event


Levels of Cover Bronze Silver Gold
Problem before you leave
UK: Vehicle rental costs
no £1,000 £2,000
Vehicle still abroad?
UK vehicle rental costs
no £150 £250


Replacement car before travel


How does this cover compare against other insurers.

Our policies provide cover in the event of a breakdown occurring within 7 days of a journey starting. Please note that most providers won't provide any cover at all prior to your departure from your home.


What is covered:

In the event of a breakdown occurring to the insured vehicle within 7 days before your journey begins (but not before the date your policy was issued) we will do the following;



Arrange assistance at your home or the roadside and recovery to the nearest repairer (if required).


Replacement vehicle

We will arrange and pay up to the amount shown in the benefits schedule for a replacement vehicle if;

  • Bpoint  the insured vehicle cannot be repaired or recovered prior to the start of your journey, or;
  • Bpoint  the insured vehicle is stolen within 7 days before your journey begins (but not before the date your policy was issued) and not recovered or replaced prior to your journey.


Important - What is not covered:


Under assistance

  • a. any repairs to the insured vehicle that are not described in this section.
  • b. any insured vehicle which has not been serviced to the manufacturer’s recommendations and kept in a safe and roadworthy condition.
  • c. any insured vehicle which has a recurring electrical or mechanical fault.
  • d. any help or payment if the breakdown service cannot get to your insured vehicle because of bad weather.
  • e. the cost of essential spare parts or repair costs at a garage.


Under replacement vehicle

  • a. the cost of any personal accident insurance.
  • b. the cost of any fuel or oil used.


UK car hire following an event abroad


What is covered:

In the event that you return home without the insured vehicle because it is being repatriated under section 7 of the policy, the insurers will pay for necessary car hire expenses in the UK until the insured vehicle is repaired and returned.

Please remember you must follow the usual conditions of the vehicle hire company selected. These will usually include :


  • Bpoint  the need to have a current full driving licence with you at the time of hire;
  • Bpoint  limits on acceptable endorsements;
  • Bpoint  a credit card deposit ~ e.g. for fuel;
  • Bpoint  drivers to be within the appropriate age limits for hire;
  • Bpoint  and to have held a full driving licence for at least 12 months.

If you cannot meet the above requirements quickly, then this will result in a delay in obtaining a hire vehicle and may result in you not being able to obtain a hire vehicle. In some cases you will have to pay for vehicle hire services locally. If this happens, the Assistance company will give you a refund (up to cover limits) as long as you provide all necessary paperwork and have received approval from the assistance provider.



Please also refer to the general conditions and general exclusions applying to all sections.