Products include Roadside Rescue and Recovery, Homestart, Europe, Taxi and Motorcyle.

Summary of cover

• Roadside assistance
• Roadside repairs
• Assistance at your home
• Onward destination service
• Cover for any driver that is using the registered vehicle, provided that the person has received permission from you first and is legally able to drive the vehicle.
• Cover for cars, vans, and motorcycle up to 3.5 tonnes (excluding any vehicles with living accommodation)
• Recovery of a caravan or trailer attached to your vehicle at the time of the breakdown up to 7.6 metres in length.
• Up to 1 hour’s roadside assistance only.
• Up to a maximum of 6 call outs a year
• Wheel changes (providing that the driver has a serviceable spare tyre and  wheel and is able to provide a manufacturer’s key  to remove any locking wheel nuts)

What is not covered

• Any claim arising in the first 48 hours from the date of inception.
• Labour charges in excess of one hour.
• Cost of replacement parts, fuel or materials used in a repair.
• Toll charges, ferry charges, parking charges, traffic congestion charges.
• Storage charges incurred during or after the use of our services.
• More than 6 call outs during the period of cover.
• Running out of fuel, wrong fuel in vehicle, loss of keys, broken glass.
• Any vehicle not able to provide a serviceable spare tyre for wheel changes (or vehicle does not come with a spare tyre as a standard fitment).
• Keys locked in vehicle, damaged keys, key fob faults.
• Any campervan or any vehicle (modified to) provide living accommodation.
• Vehicles immersed in, or immobilised from being immersed in, mud, snow, sand or water.
• Vehicles that require a repair at a specialist garage.
• A second use of our services if no remedial action has been taken to correct the initial fault.
• Faults with a caravan or trailer (that may or may not immobilise the caravan/trailer) when the vehicle is not immobilised.

 
The maximum payable for any claim from any one breakdown is £2,000 or the current market value of the vehicle, whichever is lower.

Important Notes

1. We will always decide on the best possible way of offering assistance, after taking into account individual circumstances. If the assistance that we offer does not suit your requirements then you may request alternative assistance to be arranged for you at your own cost.
2. We do not accept any responsibility for the transportation of pet animals or livestock within the vehicle at the time of the breakdown
3. A garage or mechanic undertaking repair work on your instruction will be acting as your agent for such repair work.
4. If requested, you must provide evidence of servicing of your vehicle or receipts for replacement parts.
5. Recovery cannot be used as a reason for avoiding repair costs.
6. We reserve the right not to offer renewal of cover.
7. We reserve the right to refuse service and cancel membership to anyone who behaves in a threatening or abusive manner to our employees.
8. In the event of a vehicle breakdown we will offer recovery of any caravan or trailer (within the specified restrictions). The caravan/trailer is not covered for breakdown within the terms and condition of this policy.
9. No claim will exceed the current market value of the vehicle at the time of the breakdown.
10. This document is subject to English law unless otherwise agreed in writing by First Call.

General Exclusion

First Call will not cover the following: -

1. Vehicles that have not been regularly serviced or break down as a result of inadequate repair, unsuccessful DIY or any recurring claim where no remedial action has been taken to correct the fault since we last attended your vehicle. Garage attention must always be sought after experiencing a breakdown and proof of repair obtained.
2. Vehicles being used (or that have been modified for use) in motor racing, rallies, speed or endurance tests; hire or reward (including courtesy vehicles) or over 3.5 tonnes gross laden weight; mechanically modified vehicles requiring specialist repairers.
3. Any liability or consequential loss arising from any act performed in the execution of the Breakdown services provided.
4. Vehicles not in a roadworthy condition immediately prior to any breakdown. 
5. Claims arising from loss or damage to contents of or within your vehicle.
6. Vehicles immersed in mud, snow, sand or water or any fault occurring or being immobilised as a result of contact with mud, snow, sand or water.