General exclusions

Exclusions — what’s not covered by Aviva breakdown cover

We’ve told you everything that we include in our breakdown cover policy. We want you to have the confidence that you’ve got the right breakdown cover package for your needs. We’ve summarised what’s not included below, but please refer to the breakdown cover policy wording (PDF 520KB) for full details.

General exclusions which apply to the whole policy

Aviva breakdown does not cover:

  1. Any breakdown or request for service occurring within the first 24 hours of you purchasing or upgrading (for the upgraded cover only) Rescue from Aviva, however this 24 hour exclusion period will not apply on renewal of Rescue from Aviva that includes the Section of cover being claimed under. For Section A (Rescue), the RAC will attend the vehicle and provide cover within the first 24 hours, but only where the vehicle had not broken down prior to you purchasing Rescue from Aviva;
  2. Any vehicle that is already at a garage or other place of repair;
  3. Attendance following a road traffic accident in the territory. If you have been involved in a road traffic accident in the territory and would like the RAC to recover the vehicle the RAC may be able to assist for an additional cost;
  4. Attendance following fire, flood, theft, act of vandalism or any other incident covered by any policy of motor insurance. If you would like the RAC to recover the vehicle following one of these incidents the RAC may be able to assist for an additional cost;
  5. Assistance in a medical emergency;
  6. Servicing or assembly of a vehicle;
  7. The RAC will not be liable in any circumstances for any infringement however caused of any manufacturer’s or dealer’s warranty as a result of services supplied;
  8. Vehicles which have broken down on land to which you or the RAC do not have permission to access;
  9. Vehicles which have broken down as a result of:
    1. taking part in any motorsport event or activity which takes place off the public highway (including, without limitation, rallies or stock car racing) and is not subject to the normal rules of the public highway. Vehicles participating in any event which take place on and complies with the normal rules of the public highway (such as a treasure hunt, touring assembly or navigational road rally), will not be excluded; or
    2. misfuelling. The RAC will not repair the vehicle including but not limited to draining or removing the fuel under Rescue from Aviva. The RAC may be able to drain and remove the fuel for an additional cost. The RAC will only recover the vehicle to a garage within 10 miles of the breakdown. The RAC may be able to repair the vehicle and/or arrange a recovery of the vehicle to another location which will be for an additional cost;
  10. Vehicles being demonstrated or delivered under trade plates;
  11. The recovery of any caravan or trailer in the territory except where the vehicle that was towing the caravan or trailer has broken down. If you would like the RAC to recover any caravan or trailer in these circumstances, the RAC may be able to assist for an additional cost;
  12. The transportation of any vehicle which the RAC patrol or RAC contractor considers (acting reasonably) is loaded over its legal limit;
  13. The cost of specialist equipment for any reason (including safely lifting a modified vehicle). The RAC may be able to arrange breakdown and recovery services with specialist equipment if needed for an additional cost;
  14. Transportation of any horses or livestock;
  15. Any services or benefits relating to a breakdown that was reported under a different RAC agreement to this Rescue from Aviva policy. To receive any services or benefits under this Rescue from Aviva policy, you must have reported the breakdown against this Rescue from Aviva policy;
  16. Any costs:
    1. incurred without the RAC prior consent. All requests for service must be made directly to the RAC;
      1. relating to repairs of wheels and tyres and costs relating to any vehicle, caravan or trailer not carrying a serviceable spare tyre and wheel including the cost of a spare tyre and wheel and the costs of sourcing it;
        Note: motorised vehicles that are manufactured without the provision of a spare wheel will be considered on their individual merits
      2. of towing the vehicle if the tow distance exceeds 10 miles and the cost of providing a temporary solution in order for you to reach a garage to get the tyre replaced. The RAC may be able to arrange the recovery of the vehicle to another location for an additional charge. This additional charge will be not less than £75 plus VAT;
    2. relating to you having failed to carry or having misused any equipment provided by the vehicle, caravan or trailer manufacturer for the purposes of removing the vehicle, caravan or trailer spare tyre and wheel, including but not limited to a key to remove a wheel secured by locking wheel nuts;
    3. relating to repairs or replacement to glass in the vehicle. In the territory the RAC will arrange the recovery of the vehicle to a nearby garage for assistance but the RAC will not pay for any replacement glass or pay for the fitting of any glass. You will have to pay for any work carried out on the vehicle. The RAC may be able to arrange the recovery of the vehicle to another location for an additional charge. This additional charge will be not less than £75 plus VAT;
    4. relating to the keys to a vehicle being broken, lost, stolen, or locked in the vehicle. In the territory the RAC may be able to arrange for a locksmith to attend the vehicle in these circumstances for an additional charge. The RAC will only arrange the recovery of the vehicle to a nearby garage for assistance and you will have to pay for any work carried out on the vehicle. The RAC may be able to arrange the recovery of the vehicle to another location for an additional charge. This additional charge will be not less than £75 plus VAT;
    5. for vehicle storage charges unless otherwise expressed in the relevant section; or
    6. for ferry crossings and/or toll fees of a vehicle to enable a successful recovery of the vehicle under Rescue from Aviva and the cost of any return ferry crossings and/or toll fees of the recovery vehicle;
  17. The RAC will not pay for any losses that are not directly associated with the breakdown or the incident in relation to which a claim is made under Rescue from Aviva. For example, loss of earnings due to the RAC being unable to repair the vehicle at the roadside, losses caused by delay in the RAC (or any third party) providing any benefit of service or onward travel costs such as missed flights (except that this will not apply in relation to any claim you or a driver may have for death or personal injury);
  18. The RAC will not provide any service under Rescue from Aviva if the RAC are prevented from doing so in circumstances beyond the RAC reasonable control including, without limitation, an act of terrorism, severe weather conditions, the activities of civil or government authorities, third party industrial disputes or internal industrial disputes. In these circumstances the RAC will take steps to prevent or minimise the effects of such circumstances on the RAC services;
  19. In the event of involvement of an emergency service, the RAC will not remove the vehicle until all emergency services concerned have provided the RAC with authorisation. If the emergency services insist on the removal of the vehicle by anyone other than the RAC, the RAC will not meet the cost of the removal; or
  20. Any claim caused directly or indirectly by you being affected by intoxicating liquors or drugs.

Exclusions to section E – European Motoring Assistance

In addition to the general exclusions, the following exclusions apply to European Breakdown cover:

  1. Any breakdown over the call out limit as shown under Limits of cover;
  2. If the driver fails to contact the RAC within 24 hours of becoming aware of the breakdown the RAC may refuse to provide cover in relation to the breakdown;
  3. Any costs which the driver or passengers would have had to pay if the breakdown or road traffic accident (as applicable) had not occurred;
  4. Replacement vehicles:
    1. The provision of a replacement motorcycle. If the vehicle that has broken down or been in a road traffic accident is a motorcycle, a replacement car orother alternative transport will be arranged, whichever is most suitable. The cost of a trailer for the driver to transport a motorcycle is also excluded from cover;
    2. The provision of convertibles, any specific car type or model, specially adapted vehicles or vehicles with a tow bar, roof rack or automatic gearbox;
    3. The RAC cannot guarantee the hire of minibuses, motorhomes or vans; or
    4. The provision of replacement caravans or trailers;
      Please note your cover under this Section E does not extend to any replacement vehicle.
  5. Any breakdown or road traffic accident caused directly or indirectly by the overloading of a vehicle under the laws in any country in which the vehicle is travelling;
  6. Any personal belongings, valuables, luggage, goods, vehicles, boats in or on a vehicle. The driver is responsible for the care of these items at all times;
  7. Any breakdown or road traffic accident caused directly or indirectly by:
    1. Running out of oil or water;
    2. Frost damage; or
    3. Rust or corrosion;
  8. Any claim which you or the driver could make under any other insurance policy. If the value of the claim is more than the amount you or the driver can get from any other insurance the RAC may pay the difference. If the RAC do make a payment it will not be more than the appropriate benefit limit under this Section E;
  9. If the breakdown or road traffic accident is caused by flooding brought about by adverse weather the RAC will only arrange for the vehicle to be taken to a local repairer. All further service will be at the driver's cost, or must be referred to the vehicle’s motor insurer;
  10. Any travel outside the territory and Europe;
  11. Routine servicing of the vehicle, replacing tyres, replacing windows, replacement of missing* or broken keys. The RAC may be able to arrange for the provision of these services but the driver must pay for any costs incurred;


    *Keys which are locked inside the vehicle are covered and the RAC can arrange for a service provider to attend. However, any damage which may occur in trying to retrieve the keys will be at the driver's risk and the driver must pay for any costs incurred. If the vehicle breaks down as a result of a problem with its tyre, the RAC will provide assistance to change the tyre using a serviceable spare tyre carried by the vehicle. If the vehicle doesn't have a serviceable spare tyre, General exclusion 16b(i) will apply. Where the vehicle is not provided with a spare tyre the RAC will recover the vehicle to a local repairer.

  12. The cost of any transportation, accommodation or care of any animal;
  13. If you or the driver delays repairs to the vehicle for whatever reason, any costs that the RAC consider (acting reasonably) would not have been incurred under this Section if you or the driver had not delayed repair; and
  14. Any costs that are not arranged through the RAC or arranged by the RAC.

What’s not covered — Rescue

  1. Any breakdown over the call out limit as shown under Limits of cover;
  2. Transportation that is not arranged with the RAC patrol or the RAC contractor when they are dealing with the breakdown. Transportation cannot be requested later after the RAC patrol or the RAC contractor has left the vehicle;
  3. The cost of any parts (including batteries) required by the RAC to repair the vehicle are not covered under this Section A. If the RAC patrol or RAC contractor has the required parts, you can purchase the relevant part from the RAC for an additional charge. The parts must be paid for in full at the time of the breakdown and before the repair commences. The RAC will not fit any parts (including batteries) purchased from any third party. This is to ensure that parts fitted are from reputable sources in order to avoid further calls outs;
  4. Any breakdown resulting from a fault where the RAC have previously provided breakdown cover for that fault and either:

    1. the RAC consider, acting reasonably, that there is evidence to suggest that the original fault (including a faulty battery) has not been properly repaired by a party other than the RAC; or
    2. the RAC advised you that the RAC had only provided a temporary repair to the fault and further repairs were required and the subsequent breakdown resulted, at least in part, from a failure to carry out these other repairs.

What’s not covered — Recovery

  1. Recovery that is not arranged with the RAC patrol or the RAC contractor when they are dealing with the breakdown. Recovery cannot be requested later after the RAC patrol or the RAC contractor has left the vehicle;
  2. Recovery to more than one destination including a second recovery where the original recovery destination, chosen by you, could not accept the vehicle due to their opening hours or other restrictions;
  3. Where the RAC can demonstrate that the recovery service as set out in this Section B, is being used by you to avoid the cost of repairing the vehicle;
  4. Any recovery required as a result of a breakdown resulting from a fault where the RAC have previously provided breakdown cover for that fault and either:

    1. the RAC consider, acting reasonably, that there is evidence to suggest that the original fault (including a faulty battery) has not been properly repaired by a party other than the RAC; or
    2. the RAC advised you that the RAC had only provided a temporary repair to the fault and further repairs were required and the subsequent breakdown results, at least in part, from a failure to carry out these further repairs; or
    3. Where a recovery is required due to a breakdown as a result of a problem with the tyre of the vehicle, caravan or trailer, the RAC will not provide recovery over 10 miles where no serviceable spare tyre is carried by you or no suitable alternative (as recommended by the manufacturer) is available. The RAC may be able to arrange the recovery of the vehicle to another location for an additional charge. This additional charge will be not less than £75 plus VAT.

What’s not covered — At Home

  1. Any breakdown over the call out limit as shown under Limits of cover;
  2. Transportation that is not arranged with the RAC patrol or the RAC contractor when they are dealing with the breakdown. Transportation cannot be requested later after the RAC patrol or the RAC contractor has left the vehicle;
  3. The cost of any parts (including batteries) required by the RAC to repair the vehicle are not covered under this Section C. If the RAC patrol or RAC contractor has the required parts, you can purchase the relevant parts from the RAC for an additional charge. The parts must be paid for in full at the time of the breakdown and before the repair commences. The RAC will not fit any parts (including batteries) purchased from any third party. This is to ensure that parts fitted are from reputable sources in order to avoid further call outs;
  4. Any breakdown resulting from a fault where the RAC have previously provided breakdown cover for that fault and either:

    1. the RAC consider, acting reasonably, that there is evidence to suggest that the original fault (including a faulty battery) has not been properly repaired by a party other than the RAC; or
    2. the RAC advised you that the RAC had only provided a temporary repair to the fault and further repairs were required and the subsequent breakdown resulted, at least in part, from a failure to carry out these further repairs.

What’s not covered — Onward Travel

Any assistance as a result of a breakdown resulting from a fault where the RAC have previously provided breakdown cover for that fault and either:

  1. the RAC consider, acting reasonably, that there is evidence to suggest that the original fault (including a faulty battery) has not been properly repaired by a party other than the RAC; or
  2. the RAC advised you that the RAC had only provided a temporary repair to the fault and further repairs were required and the subsequent breakdown results, at least in part, from a failure to carry out these further repairs.

What’s not covered — Replacement car hire

  1. Any replacement car hire arranged by the RAC where you do not comply with the usual terms and conditions of the hire company including but not limited to age and licence restrictions. For example, requiring you to hold and present a driving licence or being able to provide a valid credit or debit card with sufficient funds available for the car hire company to take a deposit. The RAC use reputable car hire companies with market standard terms and conditions;
  2. Any replacement car hire arranged by you that has not been agreed with the RAC prior to you making the arrangements or any request that is not made on the same day as the breakdown occurred;
  3. The RAC will not cover the cost of:

    1. Delivery and collection of the hire car vehicle including any fuel used during delivery and collection;
    2. Any fuel while the hire car is with you, including any fuel required to refuel the car at the end of the hire car period to comply with the hire company's terms and conditions; or
    3. Any insurance excess payable under any insurance for the replacement car;
  4. The RAC will not cover the cost of:

    1. Any specific car type or model. The RAC can try to arrange additional or upgraded hire car vehicles for an additional cost;
    2. Replacement cars with a tow bar; or
    3. Specially adapted vehicles.

What’s not covered — Assistance in a medical emergency

Where the person is taken ill during a journey to or from a doctor’s surgery or hospital, including for planned doctor or hospital appointments or emergencies.

What’s not covered — Journey continuation in the territory

  1. A breakdown during a journey where the breakdown occurs more than 24 hours prior to the planned journey;
  2. Fuel and oil costs, personal insurance or any other extra costs;
  3. The excess payable under any insurance for the replacement vehicle; or
  4. A replacement car following a road traffic accident in the territory.

What’s not covered — Rescue and Recovery in Europe

  1. Repair costs, including labour charges, if the vehicle was in a road traffic accident;
  2. If the vehicle cannot be driven due to a road traffic accident, any damage which you or the driver are entitled to have repaired by your motor insurers must be reported to them immediately. Your insurers must decide whether to authorise repairs abroad or have the vehicle repatriated. The RAC cannot repair the vehicle;
  3. Repair costs if, in the RAC’s reasonable opinion, the vehicle is beyond commercial economical repair;
  4. Any costs for non-emergency repairs such as satellite navigation or air conditioning or climate control faults which do not affect the mobility or security of the vehicle, nor render it unsafe to drive;
  5. The cost of any parts required to repair the vehicle;
  6. Repair costs not directly necessary to enable the vehicle to continue the journey; or 7. If the vehicle suffers a breakdown as a result of mis-fuelling the RAC will not repair the vehicle (including not draining or removing the fuel). The RAC will only recover the vehicle to a local repairer. The RAC may be able to repair the vehicle and/or arrange recovery of the vehicle to another location for an additional charge. Any further service under this Section E will not be provided.

What’s not covered — Journey continuation in Europe or return home

  1. Fuel and oil costs, personal insurance or any other extra costs;
  2. The excess payable under any insurance for the replacement vehicle;
  3. The cost of any replacement vehicle after 24 hours (or such other time agreed with the RAC) the driver being notified that the vehicle has been repaired or is to be repatriated or is beyond commercial economical repair;
  4. First class rail and air fares;
  5. The costs of meals or any other expenses; or
  6. Any costs during the receipt of any benefits under Section E5.

What’s not covered — Replacement parts dispatch

The cost of the parts, which must be paid for when the driver telephones the RAC to arrange for the parts to be dispatched. The driver will be asked for credit card details and the RAC will take payment before dispatch.

What’s not covered — Additional accommodation expenses

  1. Any accommodation costs that the driver or the passengers would have otherwise incurred on the journey;
  2. Any accommodation costs if the driver has alternative accommodation available for use;
  3. Any accommodation costs once you or the driver have been notified that the vehicle has been repaired, is to be repatriated or is beyond commercial economical repair;
  4. The costs of meals or any other extra costs and expenses; or
  5. Any costs during the receipt of any benefits under Section E3.

What’s not covered — Replacement driver

  1. A replacement driver if there is another qualified driver in the party who is fit and legally able to drive the vehicle; or
  2. Any expenses which the driver or the party would have had to pay if the driver had not been declared medically unfit to drive.

What’s not covered — Vehicle break in – emergency repairs

  1. Any costs if the driver does not report the matter to the police before contacting the RAC or does not obtain a police report;
  2. The cost of any parts required to repair the vehicle;
  3. Repair costs not directly necessary to enable the vehicle to continue the journey; or
  4. Costs over £175, inclusive of recovery costs.

What’s not covered — Vehicle repatriation

  1. Any storage charges or repatriation costs not authorised by the RAC or while the RAC are awaiting a decision from the motor insurer;
  2. The cost of repatriation (including storage charges) if the RAC determine, acting reasonably, that there is evidence to suggest, that the vehicle is beyond commercial economical repair;
  3. The cost of repatriation (including storage charges), if the RAC determine, acting reasonably, that there is evidence to suggest, that the vehicle is roadworthy;
  4. Transportation costs for any personal belongings, valuables or luggage. Any items left with the vehicle, caravan or trailer for recovery are left at the driver's own risk;
  5. The RAC are unable to transport any animals in the vehicle, caravan or trailer. The RAC cannot guarantee that they can arrange transport for any animal. Any onward transportation is at the RAC’s discretion and solely at the driver's risk. The RAC will not insure any animal during any onward transportation they may undertake;
  6. Any repairs required to the vehicle and associated costs following repatriation;
  7. Any repatriation that is not authorised by the insurer if the vehicle has had a road traffic accident covered by the motor insurer;
  8. Any cancelled repatriation as a result of you or the driver failing to leave keys for the vehicle, caravan or trailer or keys for any roof box with the vehicle, caravan or trailer; or
  9. Any claim if the vehicle, caravan or trailer is being repatriated and customs in any country find its contents are breaking the law of that country.

What’s not covered — Collection of vehicle left abroad for repair

  1. Fuel and oil costs, personal insurance or any other extra costs;
  2. The costs of meals or any other extra costs and expenses;
  3. First class rail fares;
  4. Costs for more than one person;
  5. Transportation costs for any personal belongings, valuables, animals or luggage; or
  6. Any storage charges once you or the driver has been notified that the vehicle is ready for collection.

What’s not covered — Accidental damage to or loss of tent

  1. Damage to the tent caused by weather conditions;
  2. The cost of a replacement tent not authorised by the RAC;
  3. The costs of meals or any other extra costs and expenses; or
  4. Any accommodation costs if you have alternative accommodation available for use.

What’s not covered — Customs duty indemnity

Any import duties not relating to the vehicle, caravan or trailer.

What’s not covered — Urgent message relay service

Cost of relaying any urgent message not arranged through the RAC.

You’ll find our full terms and conditions of cover in the policy booklet. View our breakdown cover policy booklet online now (PDF 520KB).

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