mike1864 wrote: ↑Fri Jan 16, 2026 5:55 pm
The exclusions I cited are from the quotation's Product Information Document, and
summarise the actual terms, which will arrive with the policy. Maybe
this wording will resolve any ambiguity re lack of fluids. And maybe it will include the word "repatriation", which the PID - strangely - doesn't.
The breakdown agency is listed as DAS in some places and ARAG in others; hopefully that too will be clarified in the policy.
I do have a policy with PJ arranged under the club scheme and I have perused the documents but of course they are lengthy and tedious to go through.
These are the exclusion terms as stated in my policy documents:
What is not covered
These exclusions apply to all insured events (1-11).
1 The cost of:
a) Spare or replacement parts, fluids or fuel or any other materials used in repairing the Insured Vehicle; OR
b) Any repairs carried out other than those carried out at a scene of a Breakdown or a claim payable under insured event 6 - Theft damage; OR
c) Obtaining a spare wheel or roadside repairs where the spare wheel carried by the Insured Vehicle is not legal and serviceable; OR
d) Replacing broken windows or keys or finding missing keys; OR
e) Damage caused as a direct result of gaining access to the Insured Vehicle following Your request for assistance; OR
f) Ferry crossings, parking charges, fines or toll charges other than a claim paid for repatriation of the Insured Vehicle under insured event 9a); OR
g) Ferry crossings or toll charges incurred by the driver of the recovery vehicle; OR
h) Recovery of the Insured Vehicle if it is partly or completely buried in mud, snow, sand or water; OR
i) Recovery of a trailer or caravan on tow unless it is less than 7.6 metres (25 feet) in length.
2 The Breakdown of the Insured Vehicle:
a) If it has knowingly been driven in an unsafe or unroadworthy condition; OR
b) Which has resulted from the lack of oil, fuel or water; OR
c) Which occurs if the Insured Vehicle has been modified for, or is being used for, motor racing, trials or rallying or for hire or reward; OR
d) Where the Insured Vehicle is being used unreasonably on unsuitable terrain; OR
e) Where the Insured Vehicle is carrying more occupants or a greater weight than the manufacturers specified maximum.
3 Breakdown assistance or recovery where the Insured Vehicle:
a) Exceeds 3,500 kilograms gross vehicle weight or 6 metres (20 feet) in length; OR
b) Is considered to be dangerous or illegal to repair or transport.
4 The cost or the quality of repairs when the Insured Vehicle is repaired in a garage.
5 More than six claims for Breakdown recovery in any one period of insurance, nor more than two claims in any one period of insurance which arise from a
common identified fault.
6 More than £3000 in respect of any claim, or series of claims, under insured events 4-11 arising during the same Trip.
7 Any amount under Insured Event 7 where spare parts:
a) Cannot be obtained locally; OR
b) Are not commercially available; OR
c) Cannot be exported to the country where the Insured Vehicle is located.
8 More than the cost for legal abandonment and any Customs Duty imposed if the estimated repatriation cost exceeds the market value of the Insured Vehicle
in the United Kingdom.
9 Any costs:
a) Incurred before You have notified Us of the Breakdown; OR
Motor Insurance Additional Cover 13
b) c) Which would have been incurred had no claim arisen; OR
Covered under any other insurance or under the service provided by a motoring organisation, or which would have been covered if this insurance did not exist;
OR
d) Arising from an Insured Person's failure to comply with Our instructions or the vehicle rescue operator's instructions in respect of the service being provided.
10 Any claim:
a) Arising from the driving of the Insured Vehicle with Your permission by anyone (including You):
i) Who You know is disqualified from driving, or has never held a licence to drive the Insured Vehicle, or is prevented by law from having a licence; OR
ii) Who is not complying with the conditions of the licence held; OR
b) c) d) e) Arising from an inadequate or attempted repair carried out during the course of the same Trip unless We had approved the repair; OR
For loss or damage to personal effects left in, on or outside the Insured Vehicle; OR
For damage to the Insured Vehicle when it is being transported to Your Home; OR
Directly or indirectly caused by or resulting from the failure, or fear of failure, of any device to recognise, interpret or process any date as its true calendar
date, or to continue to function correctly beyond that date.
11 Breakdowns caused by, contributed to by or arising from:
a) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; OR
b) The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; OR
c) War, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, military force or coup; OR
d) Pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds; OR
e) Acts of terrorism as defined in the Terrorism Act 2000.
. So that cover would save emptying 25 litres of diesel into a roadside ditch.
.
