1st Quote Breakdown Cover
Please note that you are responsible for the cost of any parts fitted.

1st Quote Breakdown Service (Option A excluding Home Service)
If the vehicle cannot be driven as a result of a breakdown, which occurs during the course of a journey and more than one mile from your home, we will provide the service shown on the schedule, as long as the appropriate premium has been paid. Details of each service are shown below.
 
We will provide cover for any breakdown and any costs involved with the breakdown, which occur during the period of insurance and within the territorial limits.
 
Roadside Assistance
We will arrange service 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 at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 4 passengers from the place where the vehicle has broken down to the nearest available garage.
 
This benefit is designed to cover small emergency repairs. It will not cover the cost of any parts or materials. Any work which is not carried out at the roadside is not covered. It is provided under a separate contract between yourself and the garage.
 
Recovery
If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 4 passengers from the place where the vehicle has broken down to any one place you choose.
 

1st Quote Breakdown Service (Option A & B Including Home Service)
Alternative Travel or Emergency Overnight Accommodation
If the vehicle breaks down while it is more than 25 miles from you home, and it cannot be repaired at the roadside or at the garage during the same day, we will refund the cost of alternative travel arrangements or necessary emergency overnight accommodation.
 
The most we will pay will be:
  • up to £50 for alternative road or rail travel or car hire (£25 a day for a maximum two days); or
  • up to £25 per person for one night's hotel accommodation for you and up to 4 passengers. (The amount we will refund will only be for the rooms. We will not pay any amount for meals or drinks).
Before you arrange alternative travel you must call the Rescue Control Centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts.
 
Home Service
If the vehicle breaks down at your home or within one mile of your home, we will arrange assistance and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired at the scene of the breakdown, we will pay the reasonable cost of taking the vehicle to the nearest available garage.
 

Definitions
We, us, our - Equity Red Start Motor Policies at Lloyd's
Equity Red Star Motor Policies at Lloyd's - is made up of the Lloyd's underwriters who have insured you under this contract. Each underwriter is only liable for their own share of the risk and not for any other's share. You can ask us for the names of the underwriters and the share of the risk each has taken on.
The administrators - 1st QUOTE BREAKDOWN
You, your - the person named as 'the Insured' in the schedule
The schedule - provides evidence that your insurance is in force and shows details such as your name, document number, vehicle and period of insurance.
Document of Insurance - this document together with the signed schedule, form your Document of Insurance.
Period of Insurance - the period of time covered by this insurance (as shown in the schedule).
Breakdown - mechanical or electrical breakdown (failures or breakages), flat batteries, punctures, lack of fuel, lost ignition keys or damage which is caused by an accident, vandalism 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 and Northern Ireland.
 

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.)

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.
2. This insurance only applies to you and cannot be transferred to anyone else.
3. If a breakdown occurs (whether or not you need immediate service); you must immediately tell the Rescue Control Centre.
4. Roadside assistance or recovery will only be provided if you or the driver stays with the vehicle until a rescue vehicle arrives.
5. If a claim is made which you or anyone acting on your behalf knows is false, fraudulent or exaggerated, we will not pay the claim and cover under this insurance will end.
6. 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 repairs recommended following service have been carried out.
7. You must carry a roadworthy spare tyre with your vehicle at all times.
8. You must keep your vehicle properly maintained and serviced.
9. Your vehicle must display a valid road tax disc.
10. This insurance only covers the vehicle specified in the schedule. You must tell 1st QUOTE INSURANCE BROKERS LTD. about any change of vehicle immediately. Telephone - 020 8598 1111
11. If you need to contact us you should do so through 1st QUOTE INSURANCE BROKERS LTD., James House, 321 - 323 High Road, Chadwell Heath, Romford, Essex RM6 6AX.
 

General Exclusions
Your 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. The cost of taking the vehicle and its passengers to more than one address after any one breakdown.
4. 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.
5. The cost of any parts, components or materials used to repair the vehicle.
6. Any costs or expenses for any service which is not arranged by the Rescue Control Centre.
7. Any costs or expenses if the vehicle breaks down at your home or within one mile of your home unless you have Home Service.
8. Any recovery charges apart from recovery to the nearest available garage if the vehicle breaks down at your home or within one mile of your home.
9. Any costs or expenses if the vehicle has been used (from the time you purchased it) for private hire, public hire, racing, rally, pacemaking or in any contest or speed trial or any rigorous reliability testing.
10. Any costs or expenses if the vehicle is off road or cannot be reached due to snow, mud, sand or flood.
11. Any costs or expenses if the vehicle is an LCV, Caravanette, Pick up or Van.
12. Any costs or expenses if the breakdown is covered by any valuables carried in the vehicle.
13. Loss of or damage to the vehicle or its contents, or any valuables carried in the vehicle.
14. Any result of war, invasion, act or foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power.
15. 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; or
  • pressure waves caused by aircraft and other flying objects.
 

Our Promise To You
We aim to provide a first-class service.
  • If you have any cause to complain, or feel that we have not kept our promise, please contact the Customer Service Manager at the address shown below.
  • If you are not happy with the way the matter is dealt with, please write to the Chief Executive of Equity Red Star Motor Policies at Lloyd's. When you do this, quote your insurance document number, which is on your policy schedule. Send your complaint to: Equity Red Start Motor Policies at Lloyd's, Library House, New Road, Brentwood, Essex. CM14 4GD.
  • After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Complaints Department at Lloyd's to review your case. (This would not affect your rights to take legal action if necessary). The address is: Complaints Department, Lloyd's, One Lime Street, London, EC3M 7HA.
  • Lloyd's is a member of the Insurance Ombudsman Bureau.
Call recording - To help us to provide a first class service we may record your telephone call.
 

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