Terms and Conditions

When buying insurance us you will not receive advice or a recommendation from us for motor breakdown insurance. We may ask some questions to narrow down the selection of products that we will provide details on, but you will need to make your own choice as to whether to proceed and purchase the product.

We can provide an insurance quotation/policy based on the following terms and conditions in conjunction with the policy wording:

  1. Please note that a time limit excess of 72 hours will apply from the time of taking out this policy to when we can first assist you with a break down.

  2. That the vehicle insured is under 16 years of age at the inception of the insurance.

  3. The vehicle registration number entered in the booking process is accurate and that of the vehicle registration number matches that of the vehicle you wish to ensure.

  4. Definition of an Insured Vehicle means the private car or light commercial vehicle as specified on the Validation Certificate which is 16 years and under (12 years within Europe) at the time of taking this policy and does not exceed 3500kg in gross weight, 5.1m in length, 1.95m in height and 2.1m in width and is driven within the terms of the current Certificate of Motor Insurance relating to such car.

  5. If you take out '5 Star' European cover, we will cover you abroad for a maximum of 30 days abroad for any 1 trip during the period of cover. This Cover is only available for vehicles under 13 years of age.

  6. MAPFRE ASISTENCIA will pay up to a maximum £750 per any one claim which includes continuation of journey benefits and repatriation of vehicle arising from a single breakdown.

  7. Motor Breakdown Assistance is a 24 hour emergency & breakdown recovery service. It is there to assist you in your time of need. The choice of assistance supplied depends on the options available to the rescue provider at the time of the request for assistance. You should be aware that the cover provided will be at MAPFRE ASISTENCIA's discretion as not all options are available to them at all times. i.e. Car Hire in a rural area may be impossible to obtain in the early hours of the morning.

  8. We offer a Premium Refund Guarantee on all our policies cancelled within the 14 Day cooling off period, whereby you may return the documentation to us and upon receipt of the policy, provided that no Assistance has taken place or you are making a claim, we will refund you your Insurance Premium. Please note that the Premium Refund Guarantee does not extend to administration or postage fees incurred in the supply your original policy.

  9. Automatic renewal service

    To make sure you have continuous cover under your policy, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you 31 days before the renewal date of your policy, and tell you about any changes to the premium or the policy terms and conditions. If you do not want to us to auto-renew your policy, just call us on 0844 871 6183. Otherwise we will collect the renewal premiums from your credit card or debit card.
    You should also note that your renewed policy will only be valid when:

    • you have told us about any changes to your policy (vehicle for MBD) details;
    • and your credit card or debit card details have not changed;

    In some cases we may not be able to automatically renew your policy, we will let you know at the time if this is the case. For the facilitation of the auto renewal service we are entitled to assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise.

    You can conduct changes to your policy details or opt out of automatic renewal by calling us on 0844 871 6183.