Aria Assistance Motor Breakdown Policy FAQs

UK Motor Breakdown Policy

• What happens if I break down or have an accident?

  • If you break down or have an accident more than one mile from home, we will arrange for an approved mechanic to attend to your car without delay. If your car cannot be safely repaired at the roadside, the contractor will take your car to the nearest and most suitable repairer. We will pay for the cost of the call out, and up to an hour's roadside labour, plus towing charges.

• Is my vehicle eligible?

  • Any vehicle must be 15 years old or less when cover starts. The following vehicles are eligible:

    • Cars
    • Motorised caravans
    • Light vans
    • Estate cars
    • Caravans and trailers of proprietary make (i.e. not home built)
    • 4x4 sport utility vehicles

    All vehicles must not exceed a gross vehicle weight of 2,500kg, a length of 7m, a height of 3m and a width of 2.25m (including any load carried).

• My car is 15 years old - will you cancel cover when it reaches 16 years?

  • If we have covered a vehicle under the age limit we will continue cover once it passes 16 years, provided that it has not given rise to excessive claims in recent years.

• What happens if my car cannot be repaired on the same day?

  • If repairs to your car cannot be carried out on the same day, we will pay for your car and passengers to be transported to your local repairer, your home or intended destination.

• What happens if I need help at home or within one mile from home?

  • If you have taken our Doorstep Cover upgrade, then we will arrange for an approved mechanic to attend to your car without delay. If your car cannot be safely repaired at the roadside, the contractor will take your car to the nearest and most suitable repairer. We will pay for the cost of the call out, and up to an hour's roadside labour, plus towing charges.

• Are there any circumstances that are not covered?

  • Yes, there are some situations that are not covered. These include:

    • Vehicles temporarily immobilised by floods or snow where our repairer cannot reach you or your vehicle is embedded in mud or sand
    • Incidents resulting from motor racing, rallies, speed or duration trials
    • Incidents resulting from previous inadequate repair or poor maintenance
    • Vehicles being used for hire or reward
    • Vehicles not normally kept at the principal insured's address. Please see the policy wording for a complete list of policy exclusions.

• Is there a maximum number of call outs that can be made in one year?

  • If your vehicle suffers repeated breakdowns this will show us you are not maintaining it as required by the policy. There is a limit of 6 claims per year under this cover.

• Can we cover vehicles not registered in the UK?

  • No. Our policies are specifically for UK registered vehicles.

• If I do break down, how long should I expect to wait before I am attended by a mechanic?

  • Our average response time is 40 minutes.

European Motor Breakdown Policy

• What happens if I break down or have an accident overseas?

  • We will arrange for an approved mechanic from our European network to provide roadside assistance and recovery. We will cover the cost of any call out and towing charges, plus up to £100 for emergency labour to get you mobile again.

• Is my vehicle eligible for cover?

  • Any vehicle covered must be less than 16 years old. The following vehicles are eligible:

    • Cars
    • Motorised caravans
    • Light vans
    • Estate cars
    • 4x4 sports utility vehicles
    • Caravans and trailers or proprietary make (extra premium payable)

    Vehicles must not exceed a gross vehicle weight of 3,500kg, a length of 7m, a height of 3m and a width of 2.25m (including any load carried) and must not carry more than 8 persons.

• What if the car is going to take a long time to be repaired?

  • If you cannot continue your trip within 24 hours, we will pay for accommodation while you wait, or for a replacement hire car if you decide to continue your journey.

• What if the car is stolen or cannot be repaired abroad?

  • If your car cannot be repaired abroad we will arrange and pay for the car and passengers to be transported to your home address, up to a cost equal to the UK market value of the car. If the car is stolen and is not recovered before the end of the trip we will arrange for you, your passengers and all baggage to be transported home.

• Would I be covered if I broke down in the UK, enroute to the port?

  • Full cover applies once you have begun your journey to the port. Your onward journey home form the port is also covered until you arrive home. Please ensure that you start your policy from the date that you are leaving your home, which if you have a distance to travel to a port, may not be the same date as the date that you are leaving the country.

• What happens if I become ill or have an accident during the trip?

  • Provided you have bought our Personal Travel Insurance, our medical assistance telephone line is open 24 hours a day, 365 days a year, and while you are abroad you can seek advice from our team of doctors and nurses about any health concerns you may have.

    In the event of a medical emergency, you must contact us as soon as possible. You MUST contact us before incurring expenses in excess of £500, except in case of emergency. If you are physically prevented from contacting us immediately, you or someone designated by you must contact us within 48 hours.
    
    If you need to see a doctor or be hospitalised, we will cover your emergency medical treatment, and your dental treatment when required to relieve pain. We will also monitor your condition, discuss your treatment with your overseas doctor and constantly update you and your family. Once you are fit enough to travel, we can organise for your repatriation to the UK and provide a nurse or doctor escort if required.