Motor Breakdown Cover Header


Thank you for taking out a First Call policy. To make sure you get the most from your cover, please take time to read the policy, which explains the terms and conditions of your membership. If you have any questions or if you would like more information, please contact First Call on 0844 99 33 999. In the event of breakdown

Call our emergency helpline on: - UK 0800 xxx xxxx Europe +44 xxxx xxxxxx

Please be prepared to provide the operator with the following information:

  • Your Policy Number
  • Your name
  • Exact location of vehicle
  • Nature of breakdown
  • Registration Number of Vehicle

We will then arrange for one of our recovery operators to attend the given location, as quickly as possible. During the period of cover you are entitled to contact us up to a maximum of 6 times for breakdown assistance; your policy will then become cancelled after the sixth callout with no refund of premium being allowable. Our helpline is available 24 hours a day, 365 days a year.

Level of Cover As defined on your policy schedule.

Your cover The vehicle is covered for call out charges and up to 1 hour’s labour charges, at the scene of your breakdown where your vehicle is rendered immobilised due to electrical or mechanical faults within the Territorial Limits stated in this policy.

Change of vehicle You are only covered for the vehicle registered at inception of membership unless you have previously notified us in writing to the address listed in “Definitions – We, Us, Our” of a change of vehicle 48 hours prior to a breakdown. You may change the vehicle on your policy up to 4 times in any period of membership. All change of vehicles have a 48 hour inception period. Temporary change of vehicles are excluded from this policy.

Change of address Assistance at your home is only covered at the address registered at inception unless we have been notified of a change of your home address prior to any breakdown. If you change address please notify us immediately.

Period of cover The policy is for the period as stated on your policy schedule.

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 hours roadside assistance only.
  • Up to a maximum of 6 call outs a year
  • Wheel changes – roadside assistance only (providing that the driver has a serviceable and accessible spare tyre and wheel and is able to provide a manufacturer’s key to remove any locking wheel nuts or if an inflation / foam kit is provided and can be used to inflate the tyre to allow you to complete your journey)

What is not covered

  • Any claim arising in the first 48 hours from the date of inception.
  • Any claim resulting in the vehicle not being repaired to a roadworthy standard following any assistance.
  • 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 and/or accessible 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 the initial fault has not received a permanent and successful repair.
  • Faults with a caravan/trailer (that may or may not immobilise the caravan/trailer) when the vehicle is not immobilised.

Definitions We, Us, Our
First Call GB Ltd, 3 Castle Court, St Peters Street, Colchester, Essex. CO1 1EW.
You, Your
The person who has taken out the policy, being a permanent UK resident
The vehicle owned by you and declared to us and used exclusively for Personal / non-Commercial use.
Territorial limit
Sub Section A The United Kingdom including Scottish Islands (Subject to approval by the Underwriters).
Sub Section B The European Union and Switzerland
Breakdown means an electrical or mechanical failure or a road traffic accident or damage caused by vandalism, fire, theft or attempted theft which renders the vehicle completely immobilised. In the event of a non fault road traffic accident you will be required to pay for the assistance, and submit to your insurer as a third party claim.
Recovery Operators
First Call GB Ltd. dedicated service engineers. This may be supplemented by the use of independent agents.

Terms and conditions and eligibility of cover
1. You or the driver must abide by the terms and conditions of this policy at all times.
2. Please note that our recovery operators are unable to work on unattended vehicles.
3. The vehicle must be maintained at all times in a roadworthy condition in accordance with the law and be regularly serviced in accordance with your manufacturer’s recommendations.
4. First Call Motor Breakdown only covers the vehicle registered for any driver with the owner’s permission and legal capability to drive the vehicle.
5. Cars, vans and motorcycles (excluding campervans / vehicles with living accommodation) are eligible to be covered up to a maximum 3.5 tonnes gross weight, 5.5 metres (18 feet) length and 2.3 metres (7 foot 6 inches) width.
6. Any caravan or trailer attached to the vehicle must be up to a maximum of 7.6 metres (25 feet) in length at the time of the breakdown.
7. We reserve the right to cancel this policy at any time, by giving you 14 days notice in writing to your last known address, and a pro rata refund will be allowable to you if no claims have been made (less administration fee).
8. You can cancel this policy within 14 days of inception/submission provided that no claims have been made, and a full refund (less an administration fee) will be made. No refund of premium will be made after this period.
9. All claims and assistance is at the discretion of First Call GB Ltd. Any breakdown discovered or believed to be excluded from the policy is chargeable to you under current commercial rates before assistance is provided.

Sub-section A: United Kingdom Cover
If the vehicle registered is immobilised in the UK, then you are covered for the following: -
A Call out and up to 1 hour’s roadside assistance by one of our approved recovery operators to attend the scene of the breakdown, and where possible carry out emergency repairs.
B If repairs cannot successfully be carried out at the scene of the breakdown then we will pay the cost of recovery of the vehicle driver and up to 4 passengers to the nearest suitable garage able to effect a repair, or to your onward destination, or to your home address whichever is nearer.
C If you breakdown at roadside and repairs cannot be carried out within an agreed reasonable period then you will be offered one of the following options: -
(i) Reimbursement of the cost of alternative road or rail travel for the driver and up to 4 passengers from the scene of the breakdown to one destination within the Territorial Limits stated in this policy, plus a return journey for one person to collect the vehicle upon completion of repairs.
(ii) Reimbursement of the cost of one night’s accommodation up to a total of £100 a claim (excluding food and drink) in the vicinity of the breakdown for the driver and up to 4 passengers up to a maximum of £40.00 per person, subject to a maximum overall of £200.00 per claim.
(iii) The recovery of the vehicle, the driver and up to 4 passengers to any one destination within the territorial limits under Sub Section A.
(iv) The cost of suitable car hire for up to 48 hour’s up to a maximum of £100.00 per claim.
The maximum payable for any claim from any one breakdown including any reimbursement claim is £2,000 or the current market value of the vehicle at the time of the breakdown whichever is lower.
Sub-section B: European Cover IMPORTANT First Call must be notified at least 48 hours prior to any trip to Europe. Failure to do so will invalidate any claim. The maximum period in Europe must not exceed 28 days per trip. Proof of travel may be required.
• Emergency roadside repairs We will pay the call-out charge and up to one hour’s labour costs for one of our approved repairers to attend the scene of the breakdown and where possible carry out emergency repairs.
• Vehicle Recovery If the vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay the cost of transporting the vehicle to one of our approved repairers.
• Getting you to your destination
If your vehicle cannot be repaired on the same day as the breakdown, we will pay:
a) The cost of transporting your vehicle, driver plus up to 4 passengers to a destination within the Territorial Limits up to the value of the vehicle; or
b) Hotel accommodation costs for you or the driver plus up to 4 passengers up to £50 per person per night, up to a maximum of £500 per claim; or
c) The cost of hiring a replacement vehicle, but the most that we will pay for any one claim is a maximum daily rate of £50 for a maximum of seven days. Any replacement vehicle provided on the European mainland must remain within the Territorial Limits.
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. If we believe that we cannot provide an acceptable level of service to the area where your registered Home Address is located then we reserve the right to cancel your policy and give you a full refund of your premium provided that no claim has been made on the policy.
9. 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.
10. No claim will exceed the current market value of the vehicle at the time of the breakdown.
11. If you require a new set of policy documents for any reason, these can be provided for a fee of £5.00.
12. 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 breakdown as a result of inadequate repair, unsuccessful DIY or any 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), vehicles not used exclusively for Personal / non-Commercial use 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. Any claim resulting in a vehicle not being repaired, or that is disposed of or scrapped.
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.
7. Any vehicle with living accommodation. 8. Any claim that could be recoverable from any insurance policy indemnity or warranty.
9. Any fines or penalties imposed by courts.
10. Any charges incurred prior to notification of Breakdown and our approved repairer attending.
11. The cost of any parts, components, lubricants or materials, food, drinks, telephone calls, petrol, oil or any other incidental expenses.
12. Any claim where First Call Motor Breakdown has not been notified at least 48 hours previously of a change of vehicle.
13. Any charges incurred resulting from you breaking down in a location that rescuing the vehicle would be unlawful (Including any legal restriction on recovering a vehicle from a European motorway).
14. Any cost of any specialist recovery equipment or service charges needed (as defined by the recovery operator in attendance of your breakdown).
15. Breakdowns where your vehicle is not accessible or cannot be transported safely, legally and without hindrance using a standard transporter or trailer.
16. Any toll charges, ferry charges parking charges or traffic congestion charges.
17. Any costs recoverable elsewhere.
18. A second callout when a temporary repair was earlier carried out.
19. Any claim for assistance while money is owed to First Call GB Ltd by the policy holder.
20. Any claims for private hire vehicles, i.e. taxis.
21. Breakdowns caused by your vehicle running out of fuel or where assistance cannot be affected because the vehicle does not have a serviceable and/or accessible spare tyre and wheel.
22. Claims arising from loss or damage to contents of or within your vehicle.
23. Claims directly or indirectly caused by or contributed to or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; war, invasion, terrorism, foreign enemy hostilities ( whether war is declared or not), civil war, rebellion, revolution, military force or coup; or pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.

Complaints procedure
Our aim is to try to provide a first class service to you at all times, however we do recognise that sometimes problems do occur. Should you ever have cause to complain then in the first instance please write to: -

Complaints Dept
First Call GB Ltd
3 Castle Court
St Peters Street
Colchester, Essex

If the matter still remains unresolved thereafter you can then write to: -

The Managing Director (Administrator)
First Call GB Ltd
3 Castle Court
St Peters Street
Colchester, Essex

Please quote your policy number as a reference in all correspondence.

Additional information.
First Call GB Ltd is incorporated at Companies House, Cardiff, (Company Number 4494431). Registered Office: 3 Castle Court, St Peters Street, Colchester, Essex, CO1 1EW.

It is a provider of breakdown assistance services that is exempt from authorisation under the Financial Services and Marketing Act 2000.
Data Protection

The data supplied by you will only be used by us and carefully selected associated companies for related products and services as well as the purposes of processing your membership policy, including underwriting, administration, and handling any claim which may arise.
The data supplied will not be passed to any other parties other than those which we have mentioned hereon. It is important that the data you have supplied is kept up to date.

You should therefore notify us promptly of any changes. You are entitled upon the payment of an administration fee to inspect the personal data which we are holding about you.
If you wish to make such an inspection, or if you do not wish to receive information on related products and services, you should contact The Administrator, First Call GB Ltd, 3 Castle Court, St Peters Street, Colchester, Essex, CO1 1EW.

We may respond to enquiries by the police concerning your policy in the normal course of their investigations. Where it is necessary to administer your policy effectively, or to protect your interests, we may disclose the data you have supplied to other third parties such as motor garages, engineers, repairers, insurers etc.
We may monitor and record telephone calls for service and staff training purposes.