Breakdown

0330 123 0758

Flux Rescue

Demands and Needs Statement

This policy is suitable for someone looking for breakdown cover

for their vehicle in the event of a car accident or breakdown,

due to it offering the following benefits:-

Roadside Assistance & Recovery

Message Service

Home Service

Caravan & Trailer Service

Alternative Transport or Accommodation

European Cover offering additional benefits whilst abroad

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What To Do If You

Break Down In The UK

Flux Rescue operates 24 hours a day, 365 days a year.

If your vehicle breaks down you must call the 24-hour

Breakdown Control Centre on 0330 123 0758 or 0800 032 5515.

Our trained staff will deal with your request quickly.

If you have hearing / speech difficulties, you can use our SMS text messaging

service on 07860 057 893.

Please have the following information available when you phone:

Your name and postcode

The phone number (including the area code) you are calling from

The location of the broken-down vehicle, including road numbers

or names and landmarks

The registration number, make, model and colour

Any modifications which may be relevant to the recovery of your vehicle

Please stay with your vehicle until a rescue vehicle arrives.

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What to Do If You Have

An Accident

If you have an accident, please take the following steps.

You must report the claim to us by calling the claims line on 0344 381

4420. The lines are open 24 hours a day, all year round.

Call the emergency services if anyone is injured or the vehiclesare

obstructing the road.

Do not admit blame at the scene. If anyone else admits blame, please

note this.

Take photographs of the scene if possible. If you don’t have a camera,

make a sketch of the scene.

Note the names, registration numbers, insurance details and contact details

of any other parties involved in the accident. Also note how manypeople

were in each vehicle.

Note the names and contact details of any witnesses to the accident.

Note the time, weather conditions and anything unusual about the road,

lighting, other vehicles or anything else that is relevant.

Report the accident to the police if you did not exchange details with the

other parties at the scene.

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Flux Rescue - Adrian Flux Insurance

Flux Rescue Services In The UK

We will provide this cover for any breakdown occurring during the period of

insurance and within the mainland of England, Scotland, Wales, Isle of Man,

Channel Islands and Northern Ireland. If the vehicle cannot be driven as a

result of a breakdown, which occurs during the course of a journey we will

arrange and pay for the services as shown below. Cover will apply toany

person driving the insured vehicle.

The benefits and services apply to any breakdown, which occurs during the

period of insurance and within the territorial limits.

Roadside Assistance

We will arrange help at the scene of the breakdown and will arrange and pay

call-out fees and labour charges needed to start the vehicle. If the vehicle

cannot be repaired quickly at the scene of the breakdown, we will arrange and

pay the cost of taking the vehicle, you and up to 5 passengers from the place

where the vehicle has broken down to the nearest available garage.

Vehicle Recovery

If the vehicle cannot be repaired at the scene of the breakdown and cannot

be repaired the same day at a suitable garage, we will arrange and paythe

cost of taking the vehicle, you and up to 5 passengers from the placewhere

the vehicle has broken down to any one place you choose.

Message Service

If your vehicle breaks down and help is arranged by the Breakdown Control

Centre, we can contact your family or colleagues to let them know about

the situation.

Home Service

If the vehicle breaks down at your home or within one mile of your home, we

will arrange help and pay call-out fees and labour charges needed to start

the vehicle. If the vehicle cannot be repaired quickly at the scene of the

breakdown, we will pay the cost of taking the vehicle to the nearest

available garage.

Car Hire or Accommodation

If the vehicle breaks down while it is more than 25 miles from your home, and

it cannot be repaired at the roadside or at a garage during the same day,

we will refund the cost of Car Hire or necessary emergency overnight

accommodation.

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The most we will pay will be:

• up to £100 for one days car hire (the engine must not exceed 1600cc and

you are responsible for returning the Hire Car and collecting your vehicle)

• up to £200 for one night’s Bed and Breakfast in a hotel for you and up to 5

passengers. (The amount we will refund will only be for the rooms) we will not

pay any amount for other meals, drinks newspapers or telephone calls.

Before you arrange Car Hire or Accommodation you must call the Breakdown

Control Centre for their agreement. We will only refund amounts covered by

this insurance if we receive valid invoices and receipts.

Caravan and Trailer Service

If your vehicle breaks down, any attached caravan or small trailer used for

private purposes will be entitled to the same service as the vehicle, as long as it

is attached to the vehicle by a standard 50 millimetre (2 inch) towing coupling.

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What To Do If You

Break Down In Europe

Call IMA (UK) Assistance Ltd

Emergency 24-hour telephone numbers

00 44 1245 408 480 or 00 33 (0) 549 348

373.

Please quote the following information when you phone:

Flux Rescue

Your name, post code and document number

The phone number you are calling from

The location of the broken down vehicle, including road numbers ornames

and landmarks

The registration number, make, model and colour

Any modifications which may be relevant to the recovery of your vehicle

Please stay with your vehicle until a rescue vehicle arrives.

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Flux Rescue Assistance In Europe

Whilst we hope that your travel period will be incident free, if yourvehicle

breaks down, help and assistance is available by calling the 24-hour English

speaking emergency telephone service. Try to call from a place where itis

easy to call you back, if a fax number is available please providethis.

Please note that it is not always possible to provide automatic hire cars or

accessories such as bike racks, luggage racks or tow bars. Some car hire

companies impose driver minimum age restrictions and will also require sight

of a credit or debit card before releasing the vehicle toyou.

Remember to keep all vouchers, invoices and receipts and other documents,

which may be relevant to your claim. Any claim must be notified in writing, as

soon as possible, and in any event within 14 days of the occurrence to

Hadleigh Breakdown Limited, Suite 2A - Alexandra House, 36A Church Street,

Great Baddow, Chelmsford, Essex CM2 7HY.

Please read the details carefully to ensure that you are fully covered, and

remember to follow any rules and procedures laid down in respect of

servicing the vehicle and making a claim. (See general conditions 4 and 11).

If you have paid the premium this insurance will provide thebenefits

described below if your vehicle breaks down and cannot be driven as a

result of a mechanical or electrical breakdown (failures or breakages) and

results in you not being able to drive the vehicle. Such breakdown must

occur within the countries of Andorra, Austria, Belgium, Croatia, Czech

Republic, Denmark, Finland, France, Germany, Gibraltar, Greece, Republic of

Ireland,Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway,

Poland, Portugal, San Marino, Slovakia, Slovenia, Spain (including Balearics),

Sweden, Switzerland or Vatican City.

Please note that this is not a maintenance policy and therefore does not

cover the cost of parts or the cost of non-emergency repair work, such as

routine servicing or diagnostic tuning. The cover is designed to help keep

you and your party mobile during the journey or holiday period abroad.

It is not a replacement for a motor insurance policy and does not provide

cover for bodywork repairs following an accident or theft. Cover only

applies for trips of 60 days or less.

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Benefits: - European Vehicle

Breakdown Recovery

You will have cover for the following:-

1. Miscellaneous costs incurred in arranging immediate emergency roadside

help following a breakdown. The most we will pay will be £250 in any

one-travel period. (The cost of replacement parts will not be covered).

If the vehicle cannot be repaired quickly at the scene of the breakdown

we will arrange and pay the cost of taking the vehicle, you and five

passengers to a nearby garage for it to be repaired at your cost.

2. If, as a result of a breakdown you miss your pre-booked sea crossing, we

will refund the cost of any replacement sea crossing occurring within 24

hours of the original departure time.

3. If the vehicle is out of use for a period of more than 8 hours as a result of

a breakdown or due to death, injury or serious illness of the onlyavailable

driver, we will refund the following costs and expenses as long as they are

a di

rect result of the breakdown or illness and are paidimmediately

after the breakdown or illness. (In the case of illness a Doctor’s report will

be required).

the cost of recovery of the vehicle to the nearest garage or railway.

b) freight costs to obtain any replacement part, which is not available locally

(You must pay the cost of the parts and any Customs Duty to us, by credit

or debit card).

c) the cost of one of the following:

Hiring one replacement vehicle up to £70 per day and £800 in total. This

benefit commences 7 days before the intended departure date of any

pre-booked holiday. (A garage report will be required).

Hiring one chauffeur in the event of a serious illness of the onlyavailable

driver in your party, up to £100 per day and £500 in total.

Second-class rail fares so that you and your party can finish your journey

or return home.

Extra hotel accommodation costs for you and each member of yourparty

up to £30 per person per day incurred during the journey to and from the

holiday location up to a maximum of 5 days. (We will not pay for meals or

drinks).

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Before you arrange emergency travel or hotel accommodation, you must

call the Breakdown Control Centre for their agreement. We will only refund

amounts covered by this insurance if we receive valid invoices and receipts.

d) the cost of recovering the vehicle to your home if it cannot be repaired

before your planned return date or costs incurred in travelling fromyour

home or holiday location to the scene of the breakdown to collect the

vehicle after repair. (Such cost must not be more than economy class

airfare plus miscellaneous additional expenses not exceeding £50).

e) the cost of emergency repairs to secure the vehicle in the event that it

is damaged by attempted theft or break-in up to a maximum of £100

(a Police report will be required).

Exceptions:-

1. This section does not cover

breakdowns due to lack of petrol, oil, water or frost damage or the use

of the vehicle for racing, pacemaking, or being in any contest orspeed

trial or any rigorous reliability testing

the cost of any repair apart from repairs covered under Section 1

the cost of spare parts or emergency windscreens

expenses incurred in ordering incorrect replacement parts where this

is due to insufficient or wrong information being given by you; or

the cost of returning hired vehicles to the Hire Company

2. If the vehicle suffers damage and it is considered to be a write-off (the

cost of repairs are greater than the market value of the vehicle)

subsection 3(d) will not apply where the vehicle has comprehensive motor

insurance. Where the vehicle is subject to third party insurance, cover will

be limited to the market value of the vehicle. If this situation arises, we

reserve the right to conduct negotiations direct with the motor insurers.

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Definitions

We, us, our - Trinity Lane Insurance Company Limited.

The administrators – Adrian Flux Insurance, East Winch Hall, East Winch,

Kings Lynn, Norfolk, PE32 1HN.

You, your - the person named as ‘the insured’ in the schedule

Document of insurance - this leaflet together with the schedule, form your

Flux Rescue Membership Document.

Period of insurance - the period of time covered by this insurance (as shown

in the schedule).

Breakdown - mechanical or electrical breakdown (failures or breakages), or

damage that is caused by an accident, vandalism, fire or theft and results in

you not being able to drive your vehicle.

Your vehicle – any vehicle specified in the schedule or notified to and

accepted by us.

Home - the place where your vehicle is normally kept.

Territorial limits – within the mainland of England, Scotland, Wales, Isle of Man,

Channel Islands and Northern Ireland.

Trinity Lane Insurance Company Limited - is authorised and regulated by

the Malta Financial Services Authority under the Insurance Business Act

1998 to carry on the business of general insurance.

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General Exclusions

This insurance does not cover the following: -

1. If the vehicle is recovered by sea or air, any amount which is more than

the cost of taking the vehicle to the nearest port or airport.

2. Any ferry fares or toll fees.

3. Compensation due to delays to transport services.

4. Loss or damage to the vehicle or its contents, or any valuables carried in

the vehicle.

5. Damage or costs incurred as a direct result of gaining access to the

vehicle following your request for assistance.

6. The cost of taking the vehicle and its passengers to more thanone

address after any one breakdown.

7. The cost of recovering the vehicle and its passengers if the vehicle

can be repaired within a reasonable period of time at or near the

place where it has broken down.

8. The cost of any parts, emergency windscreens, components or materials

used to repair the vehicle.

9. Any costs or expenses for any service, which is not arranged by the

Breakdown Control Centre.

10. Any costs or expenses if the breakdown is covered by any otherinsurance

or recovery service.

11. Any request for service if the vehicle has been used, (from the time you

bought it) for private hire, public hire, racing, rally, pacemaking or inany

contest or speed trial or any rigorous reliability testing.

12. Any request for service if the vehicle is off road or cannot be reached due

to snow, mud, sand or flood.

13. Any request for service if the vehicle is considered to be dangerous or

illegal to repair or transport.

14. The repair or recovery of your vehicle if it breaks down at thepremises

of a motor trader or repairer.

15. Any results of war, invasion, act of foreign enemy, hostilities (whether war is

declared or not), civil war, rebellion, revolution, military or usurped power.

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Flux Rescue - Adrian Flux Insurance

16. Claims totalling more than £3,500 in any year.

17. Direct or indirect loss, damage or liability caused by, contributed

to or arising from:

Ionising radiation or contamination from any radioactive nuclear fuel,

or from any nuclear waste from burning nuclear fuel;

The radioactive, toxic, explosive or other dangerous property of any

explosive nuclear assembly or nuclear part of that assembly;

Pressure waves caused by aircraft and other flying objects.

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General Conditions

1. We will only provide the cover described in this insurance if:

You have met all the terms and conditions in this document of insurance.

The information you have given to us is, as far as you know, correct and

complete. (Any payment made under this insurance will be based on the

original information given to us).

The vehicle is in good working order and in normal use.

If you have failed to give us complete and accurate information or have

not met the terms and conditions, this could lead to your claim being

denied or the insurance not being valid.

This insurance only applies to you and cannot be transferred to anyone else.

The vehicle must not be used outside the United Kingdom for more than60

days in a row or more than 60 days in total during the period ofinsurance.

If you are travelling abroad you must ensure that the vehicle is in an

efficient and roadworthy condition at the start of the journey or holiday

and it has been regularly serviced by a garage or yourself in accordance

with the manufacturer’s recommendations.

5. If your vehicle breaks down (whether or not you need immediate service),

you must immediately tell the Breakdown Control Centre.

6. Roadside help or recovery will only be provided if you or the driver stays

with the vehicle until a rescue vehicle arrives.

7. If a claim is made which you or anyone acting on your behalf knows is

false, fraudulent or exaggerated, we will not pay the claims and cover

under this insurance will end.

8. You must take all reasonable steps to prevent a breakdown, and your

vehicle must not be driven in an unsafe or unroadworthy condition or until

recommended repairs have been carried out.

9. You must carry a roadworthy spare tyre with your vehicle (except

Motorbikes) at all times and when outside the United Kingdom you

must also carry a spare set of vehicle keys.

10. The vehicle must have an MOT (unless exempt), be taxed, insuredand

registered in the UK.

11. You must keep your vehicle properly maintained and serviced.

12. This insurance only covers the vehicle specified in the schedule.

You must tell Adrian Flux Insurance about any change of vehicle

immediately.

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13. You must take all reasonable steps to avoid or minimise any loss arising

out of a claim under this insurance. Claims arising directly out of financial

incapacity will not be covered.

14. You must keep all vouchers, invoices and receipts and other documents,

which may be relevant to your claim. Any claims must be notified, in

writing, as soon as possible, and in any event within 14 days of the

occurrence to The Breakdown Control Centre, whose address is on

page 8, providing full information as to the time, place and

circumstances.

15.

Any documentary evidence and details we may require must be provided

at your expense (or your legal representative’s expense). You must also

have a medical examination if requested to do so.

16. You must take reasonable care for the safety and supervision of the vehicle,

and if loss or damage occurs whilst it is in the care of a transport company,

authority, garage or hotel, the loss or damage must be reported, in writing,

to such transport company, authority, garage or hotel.

17. You must take all reasonable and practical steps to recover the vehicle

if lost or stolen and to discover any guilty person or persons. We can:

take over, conduct, defend or settle any claims; and

take proceedings, at our own expense and for our own benefit, to recover

any payment we have made under this insurance. We will take this action

in your name or in the name of anyone else covered by this insurance. You

or the person whose name we use must co-operate with us on any matter,

which affects this insurance.

18.

If we incur additional costs beyond the scope of cover which applies, you

must reimburse these costs on demand and within 14 days. If assistance is

requested whilst cover is not in force our costs will include a handling

charge of £200.

19. If we accept your claim but disagree with the amount due to you the

matter will be passed to an arbitrator who we both agree to. When this

happens, the arbitrator must make a decision before you can start

proceedings against us.

20. If you make any alteration to this insurance we may charge an

administration fee.

21.

We or the administrators may cancel this insurance by sending 7 days’

tice, in writing, to your last known address. This insurance may be

cancelled because:

you have not paid the premium;

you or anyone else covered by this insurance has not met the terms and

conditions of this insurance;

you have not provided documentation requested by us or the administrators;

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a change in your circumstances means we can no longer provide cover;

you misrepresent or fail to disclose information that is relevant to this

insurance; or

you harass any member of our staff or show abusive or threatening

behaviour towards them.

This is not an exhaustive list.

We will send a refund of premium to the administrators less a charge equal

to the period of insurance you have had.

22. You can cancel this insurance policy at any time by sending us written

notice and returning the schedule. If you cancel your policy within the 14-

day withdrawal period, and before the commencement of the policy, we

will refund the full premium. If you cancel your policy within the 14-day

withdrawal period, but after your policy has commenced, we will refund

the part of the premium you have not used subject to a minimum premium

of £15 plus IPT. After the 14-day withdrawal period, no return of premium is

allowable irrespective of circumstances.

23. If you decline to accept our decision on the most suitable course of action

then we may limit our liability in respect of any one incident to amaximum

of £100.

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Customer Care

About our service

We, Trinity Lane Insurance Company Limited, are licensed by the Malta

Financial Services Authority to provide general insurance.

We want to provide you with a high-quality service at all times. If you want

to make a complaint about your insurance, or us, the complaints

procedure is as follows.

The first step is to contact our Quality Department who will review your

case. The address is: Hadleigh Breakdown Limited, Suite 2A - Alexandra

House, 36A Church Street, Great Baddow, Chelmsford, Essex CM2 7HY.

Telephone 0330 123 1305. Email: quality@hadleighbreakdown.co.uk

If you are not satisfied with their response you should write to: Customer

Services Co-ordinator, Trinity Lane Insurance Company Limited, The

Landmark, Level 1, Suite 2 Triq L-Iljun, Qormi QRM 3800 Malta. Phone: 00356

22 489 100. When you do this, please quote your document number as it

will help us deal with your complaint quickly.

If we cannot settle the complaint to your satisfaction, you can contact:

The Financial Ombudsman Service, Customer Contact Division, Exchange

Tower E14 9SR. Phone: 0800 023 4 567. Email: complaint.info@financial-

ombudsman.org.uk

We are bound by the Financial Ombudsman’s decision, but you are not.

Following the complaints procedure does not affect your right to take

legal action.

Financial Services Compensation Scheme (FSCS)

As we are members of the Financial Services Compensation Scheme

(FSCS), you may be entitled to compensation from the scheme if we

cannot meet our liabilities under this insurance. This depends on the type of

policy and the circumstances of the claim. The FSCS will pay 90% of the

claim for non-compulsory insurance (insurance you do not need by law).

For compulsory classes of insurance (insurance you need to have, such as

motor insurance), the FSCS will pay the claim in full. You can get more

information about the compensation scheme arrangements from the FSCS

website at www.fscs.org.uk

We are authorised and regulated by the Malta Financial Services Authority

to carry on general insurance business in the UK. Trinity Lane Insurance

Company Limited is registered in Malta – registration number C40137.

Registered office: The Landmark, Level 1, Suite 2, Triq L-Iljun, Qormi QRM

3800, Malta.

Call Recording

To help us to provide a first-class service we may record your phone calls.

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V1 2016.3

0344 381 6504

0330 123 0758

This Policy is underwritten by Trinity Lane Insurance Company Limited