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Insurance Questions
Frequently Asked Questions about Motor Vehicle Breakdown and Trip Travel
Insurance
Can I book
insurance on its own?
No. Since the introduction on 14th January 2005 of new regulations by the
Financial Services Authority governing the sale of travel insurance by Tour
Operators, we cannot sell insurance as a stand-alone product. It can only be
sold together with a holiday, or added at a later date to a holiday we have
already sold.
Can I change or cancel
insurance?
As with all insurance products, there is a 14-day "cooling-off" period within
which you are entitled to a full refund of any premiums paid. Send an email
within this period to info@drive-alive.com
if you decide you don't want the insurance, and we'll reimburse you in full.
After this time, however, you cannot cancel travel insurance, because cover
commences immediately and provides for events which might occur at any time,
e.g. becoming ill so you cannot take your holiday. If you have chosen motor
breakdown cover and you change your vehicle after you have paid, you must let us
know. There is no charge for a change of vehicle details.
Do I need a Green Card or
Bail Bond?
Green cards are not normally required these days. This is an extension to your
car insurance, so that you are legally covered when driving abroad. However, you
should contact your motor insurer and let them have details of your holiday
plans. A Bail Bond is still advisable when in Spain, as Spanish police can
confiscate your vehicle in the event of an accident. Contact your motor insurer
for this. Green cards and bail bonds are not part of the Drive-Alive cover.
Who provides Drive-Alive
Holiday and Motor Breakdown insurance?
Cover is provided for Drive-Alive clients by UK Underwriting Limited, and is
brokered by Crispin Speers and Partners Limited. Assistance in the event of
vehicle breakdown is administered by the Green Flag group.
Can I cover some, but
not all, of the passengers/vehicles we are travelling with?
If there is more than one vehicle, you are offered the option of insuring the
passengers in either or both. If you want to insure just some of the people in a
vehicle, select the insurance you want and use the "comments" box of the holiday
planner to tell us your exact requirements. The price you are quoted will be for
all passengers, which we will revise when we confirm the holiday back to you.
Can I take out Motor
Breakdown insurance without Travel insurance?
No. Since the introduction on 14th January 2005 of new regulations by the
Financial Services Authority governing the sale of travel insurance by Tour
Operators, we cannot sell motor breakdown insurance as a stand-alone product. It
must be requested at the same time as Travel insurance.
I have insurance with
another company. Must I inform Drive-Alive of the details?
No. We do not need to know details of your own insurance. But please be aware
that you are solely responsible for any loss you may suffer in the event that
your alternative cover turns out to be inadequate.
I'm taking a trailer
on holiday. Can this be covered?
Yes. You'll find a selection box for trailers/caravans when giving us vehicle
details. The surcharge for insuring them will be automatically calculated and
added to the premium.
My vehicle is over 15
years old. Can this be covered for Motor Breakdown insurance?
Not with Drive-Alive. There are companies which do this, so try searching
Google.
I'm hiring a car to go
abroad. Can this be covered for Motor Breakdown insurance?
Again, not with Drive-Alive. Your best bet is to find a car rental firm that
includes such cover in their charges.
hich countries are
covered by your policies?
Personal Trip Travel (sections 1-12): Europe including countries west of
the Ural Mountains, the Azores, Canary Islands, Iceland, Madeira, Jordan and
countries with a Mediterranean coastline (excluding Albania, Israel and
Algeria).
Motor Breakdown extension (section 13): Mainland Europe and its
neighbouring islands, but not States which were members of the USSR, Albania,
Turkey in Asia, Cyprus, Iceland or the United Kingdom other than during the
direct journeys between your home and your international departure point. You
are covered if your car breaks down within 7 days of the date you were due to
start your holiday, and the insurers believe it cannot be repaired in time. In
such cases the insurers will pay up to 1,000 towards the cost of hiring a
replacement.
What happens if I
change my vehicle after I've taken Motor Breakdown insurance?
No problem. Just let us have details of your new vehicle by email to
info@drive-alive.co.uk before the
start of your holiday.
Does my car insurance in
the UK cover me when driving abroad?
Normally, yes. But see the question about Green Cards. The
insurance we provide is to help you sort out yourself and your car in the event
of an accident or breakdown. It is like AA or RAC insurance in the UK. It is not
the same as UK motor insurance, and you should always let your motor insurer
know your travel plans to ensure you are legally covered for driving abroad.
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