Mechanical Breakdown Insurance with Bad Car Credit
Vehicles break down all the time, often without any prior warning. And if you’re not covered, you may have to pay hundreds of pounds for repairs and possibly the recovery of your vehicle from the side of the road. Who’s going to pay for it all?
No problem. With Mechanical Breakdown Insurance, repairs following mechanical breakdown can be covered for parts, labour and VAT.
Type of insurance and cover
This insurance provides cover for repair or replacement costs, incurred as a result of the sudden and unforeseen failure of an insured component arising from any permanent mechanical, electrical or electronic defect (“Mechanical Breakdown” as defined in the Certificate of Insurance).
You are insured up to the single claim limit in respect of each claim, except where otherwise stated, and the aggregate claim limit as a total for all claims.
The aggregate claim limit will be reduced by the cost of any claim during the period of insurance. These are shown on your policy schedule. A helpline service is automatically included with this policy (for use within the UK only).
Features and Benefits
Your policy includes the following significant features and benefits, which are explained in detail in the Certificate of Insurance.
Only components that are listed under the following section headings are covered:
- Engine; turbo charger; manual gearbox; transfer box; automatic gearbox; torque converter; continuously variable transmission; differential; clutch; front wheel drive; rear wheel drive; prop shaft; cooling system; fuel system; steering and suspension; brakes and electrical system. Any component not specifically listed under the section headings is excluded. Some section headings contain exclusions that are specifically relevant to those parts.
- Vehicle recovery – If your vehicle is immobile we will contribute up to a maximum £30 (inc. VAT) to recover it to the nearest repairer.
- Vehicle Hire – up to £25 per day (inc VAT), if your car is undriveable and repair time exceeds 8 hours.
Duration
The policy duration is variable, your policy schedule will show the length of cover you have chosen. This policy may exceed one year in duration.
Cancellation Period
We are regulated by the Financial Services Authority. A full explanation of the conditions for cancelling cover can be found in the Certificate of Insurance.
