• If You cannot use the Insured Vehicle because of an Event which happens within 7 days of when You were due to start Your trip and We reasonably believe that the Insured Vehicle cannot be repaired before You leave; or
• the Insured Vehicle is stolen and not recovered before You leave.

We will pay up to the amount shown in the Benefits Schedule towards the cost of hiring another vehicle for the purpose of carrying out the planned trip,including any costs for delivery, insurance, and any other compulsory charges which the hire car provider may make.

• labour and call-out charges involved in providing roadside assistance after an Event, if there is a reasonable chance that the roadside assistance will make the Insured Vehicle fit to drive; or
• the Insured Vehicle to be taken to the nearest local repairer or safe storage place after an Event.

• up to the amount shown in the Benefits Schedule towards the cost of emergency labour (but excluding the cost of parts) incurred outside the United Kingdom which will allow You to continue the journey in the Insured Vehicle without the need to call on any other of the services offered by this policy.

• If You cannot use the Insured Vehicle because of an Event and We reasonably believe that the Insured Vehicle will be out of use for more than eight hours;or
• the Insured Vehicle is stolen and not recovered within eight hours.

We will, at Our option, pay for the reasonable costs of one of the following :

• Taking You, Your Party and Your luggage, by any suitable means, to Your destination, and then returning You to the Insured Vehicle after it has been repaired;
• Accommodation, including one daily meal (but not alcoholic drinks), for You and Your Party while the Insured Vehicle is being repaired. These expenses are limited to £45 a day for each person and to £450 in total for each person;
• Up to the amount shown in the Benefits Schedule towards the cost of hiring another vehicle, including any costs for delivery or collection and drop-off fees, insurance, and other compulsory charges which the hire car provider may make.

If You cannot use the Insured Vehicle because of an Event and it cannot be repaired locally or the repairs, if carried out locally, cannot be completed within a time that would enable You to make Your planned return to the UK (as indicated by such as a ferry booking); or the Insured Vehicle is stolen outside the United Kingdom, and not recovered until after You have returned to the United Kingdom; or the only person qualified to drive becomes unfit to drive the Insured Vehicle due to accidental bodily injury or sudden and unforeseen illness;

We will, at Our option, pay for the reasonable costs of the following :

• Taking You, Your passengers and Your luggage, by any suitable means, to Your home in the United Kingdom.
• Taking the Insured Vehicle to Your home or to a repairer of Your choice in the United Kingdom.

If there is an accidental injury, sudden and unforeseen illness or death which means that there is no-one who can drive the Insured Vehicle, We will, at Our option, pay for a qualified person to drive the Insured Vehicle, You and Your Party back to Your home in the United Kingdom.

We will also pay for Your accommodation costs, including one daily meal (but not alcoholic drinks), on Your return journey, if these costs would not have been necessary if the journey or holiday had gone ahead as planned. These expenses are limited to £45 a day for each person and to £450 in total for each person.

If spare parts are not available locally to repair the Insured Vehicle following an Event, We will arrange to have them delivered to You, Your Party or an agreed location as quickly as is reasonably possible.

We will pay up to the amount shown in the Benefits Schedule in respect of legal costs and expenses

1. to defend the driver of the Insured Vehicle against criminal charges following a Road Traffic Accident involving the Insured Vehicle.
2. to pursue uninsured losses against third parties arising from a Road Traffic Accident involving the Insured Vehicle

We will advance to the Driver, once We have received a signed acknowledgement of debt, a maximum of the amount shown in the Benefits Schedule for the driver to enable the Driver:

1. to provide Bail or other security to any judicial authority to secure his or her release and that of the Insured Vehicle following detention after a road traffic accident or motoring offence.
2. to pay in respect of customs duty to a foreign government if he or she commits an involuntary breach or non-observance of the conditions under which the Insured Vehicle may be imported for a limited time into the country without payment of customs duty. This includes payment of customs duty arising out of the abandonment of the Insured Vehicle after accident or theft.

If any person other than Your Party damages the Insured Vehicle in the course of a theft or attempted theft of or from the Insured Vehicle We will pay up to the amount shown in the Benefits Schedule towards the cost of repairing the damage. Typically this will include damage to windows and door locks damaged in the course of a theft or attempted theft of or from the Insured Vehicle.

Cover is available for standard caravan or trailer which meets with the relevant rules and regulations and is towed by the Insured Vehicle. The weight of the caravan or trailer when loaded must not be more than the kerb weight of the Insured Vehicle.

Please note that cover for caravans and trailers is limited to Section 2 and Section 5 of the Benefits Schedule.