DAS MOTOR BREAKDOWN AND ACCIDENT ASSISTANCE
Insurance Product Information Document
Company: DAS Legal Expenses Insurance Company Limited
Product: Motor Assistance Gold
DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority (FRN202106) and the Prudential Regulation Authority. Registered in England
& Wales.
This document is a summary of the insurance cover and restrictions. Please refer to your policy documentation for full details of your cover
and the terms and conditions.
What is this type of insurance?
Motor Assistance Gold provides you with access to helpline services and breakdown assistance in the UK, 24 hours a day, 365 days
a year. If your vehicle breaks down or you are involved in an accident we will cover the call out charge and labour costs for
assistance and repairs at the roadside or at your home. We will also cover the cost of recovering the vehicle and alternative transport
to get you to your destination.
What is insured? What is not insured?
Are there any restrictions on cover?
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Emergency Roadside Repairs and Home Breakdown
We will arrange and pay for an approved repairer to attend
the scene of the breakdown and carry out emergency repairs
to your vehicle if you are unable to drive it
Vehicle Recovery
Recovery of your vehicle and anyone in it to a suitable
repairer or your home address if this is nearer
Getting You To Your Destination
We will arrange and pay for one of the following:
to transport your vehicle, you and anyone in your
vehicle to a destination, or
to transport you and anyone in your vehicle to a hotel
and reimburse the cost of your overnight accomdation, or
the hire of a vehicle so you can continue your journey
Emergency Message Service
We will forward a message to friends, family or a work
colleague
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Claims within the first 48 hours after taking this cover out
unless taken out at the start or renewal of the insurance
policy to which this cover is attached.
Costs that exceed your policy limit of £300 for any one
breakdown
More than six breakdowns in one period of cover
Breakdown of an unsafe or unroadworthy vehicle if you
knowingly drive your vehicle in this condition
Breakdown of a vehicle which has not been routinely
serviced
Any breakdown relating to running out of oil, fuel or water
The cost of spare or replacement parts, fuel or repair
materials, replacement of broken windows or keys
Costs you incur before we have agreed to cover your claim
Any vehicle that can't be recovered on a standard
trailer or transporter
Any caravans or trailers on tow that exceed 7.6 metres in length
Any vehicles weighing more than 3.5 tonnes gross vehicle
mass or over 5.5 metres in length or 2.3 metres wide
You are not covered for:
! Vehicle recovery claimsVehicle recovery
- if your vehicle can be repaired at the scene within one hour of the repairer's arrival
- to multiple destinations
Getting you to your destination claims! Getting you to your destination
- if your vehicle can be repaired on the same day as the breakdown
- If you and anyone in the vehicle want to go to different destinations
- relating to reimbursement of hotel accommodation:
above £50 per person, per night, subject to the policy limit of £300 for any one breakdown
where you are unable to provide the relevant invoice(s)
Where am I covered?
✓ The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
What are my obligations?
It is your responsibility to:
Co-operate fully with us and the appointed repairer
Keep to the terms and conditions of the policy
Keep the vehicle maintained, in a roadworthy condition and regularly serviced
Be present with the vehicle when the appointed repairer arrives
When and how do I pay?
You can usually pay your premium as a one-off payment or in monthly instalments. You will need to contact your intermediary.
When does the cover start and end?
This policy will run concurrently with your motor insurance policy for a maximum of 12 months. Please refer to
your policy schedule for the start and end dates of your insurance. If your motor insurance policy is cancelled
all cover under this policy will also end.
How do I cancel the contract?
To cancel your policy within the 14 day cooling off period, being the date you receive your policy documents or the date you enter
into this insurance (whichever is the later), you can cancel this policy and receive a refund (unless you have made a claim).
You can also cancel your policy after the 14 day cooling off period however no refund will apply. To cancel your policy please
contact your insurance intermediary.
Car UK Breakdown IPID v1 (BKMC.IPD)
