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the essential prestige, sports and 4x4 accident cover you need

also including multi-car full-family cover - outstanding value at only £39 a year

Total Motor Assist terms and conditions
Total Motor Assist Terms and Conditions
1. Introduction
Total Motor Assist not an insurance policy or a breakdown cover policy but, rather, a membership scheme ('the Scheme’) that provides member benefits and services designed to ease the burden of the logistics and legal concerns which arise from accident-related vehicular damage and/or personal injury.
2. Definition of words used in these Terms and Conditions
  • 'You’ means the member who joined the Scheme and whose name is shown on the Certificate of Membership.
  • 'Immediate family’ means your spouse/partner and all your children of any age who reside with you
  • 'Scheme’ means the Total Motor Assist member benefits scheme
  • 'Vehicle’ means any vehicle as defined in Part 3 below.
  • 'Person’ means any person entitled to use the benefits included in the Scheme as defined in Part 4 below.
3. Vehicles included within the scope of the Scheme
  • All your immediate family’s cars of any age, type and value

  • Any car of any age, type and value that you and/or any member(s) of your immediate family are driving and/or passengers in at the time of an accident

  • Any other car of any type, age and value belonging to any other person to whom you have provided our helpline and who has called said helpline seeking assistance following an accident.
4. Persons entitled to use the benefits included in the Scheme
  • You and your immediate family

  • Anyone in the vehicle with you and/or with any member of your immediate family at the time of the accident whether they are related to you or not and whether this person was driving or was a passenger

  • any other person to whom you have provided our helpline and who has called said helpline seeking assistance following an accident.
5. Vehicle recovery
In the event of a Person being involved in a non-fault accident anywhere within the UK where there is an identifiable at-fault third party that renders a Vehicle unsafe and/or unlawful to drive, we will recover the Vehicle from anywhere in the UK.

Where the situation as to fault is not clear and we understand the Person to be in a vulnerable position due to the Vehicle being unlawful and/or unsafe to drive, we reserve the right to make a discretionary decision to offer assistance.
6. Vehicle repair
In the event of a Person being involved in a non-fault accident within the UK where there is an identifiable at-fault third party that Person will be entitled to have their Vehicle repaired by whichever of our Approved Repairers is most local to where that Person lives. The Person will not have to pay the excess on their own motor insurance, and their no claims bonus is also protected in effect as a consequence of the fact that we shall not make a claim on the Person’s motor insurance policy.

However, should the Person or their insurance company not wish to use our Approved Repairers for the repairs, this aspect of the service will not be available to the Person.
7. Category like-for-like replacement vehicle
In the event of a Person being involved in a non-fault accident anywhere within the UK where there is an identifiable at-fault third party that has resulted in damage to a Vehicle that is being repaired, we will provide a replacement vehicle whilst the Person’s own Vehicle is being repaired. We will provide a replacement vehicle on a category equivalent like-for-like basis.

"Category equivalent like-for-like basis" means that instead of a courtesy car, we will deliver the Person a vehicle that is in the same category as the Person’s own Vehicle. For the purposes of example, if the Person’s Vehicle is a BMW 7-Series, then the car we deliver to the Person will be another luxury executive saloon, which could be another 7-Series or a Mercedes S-Class or an Audi A8 and so on. In short, the Person will always be put in the position of being able to drive the same type and specification of car as their own while we complete the repairs to their own Vehicle.
8. Claims notification and administration
Upon receiving a call on the Member’s Helpline from any Person, we will take relevant details from the Person regarding the accident and liaise with both the third party insurer and their own insurer when required.
9. Uninsured loss recovery
On the basis that the accident was not a Person’s fault, and that there is an identifiable insured third party, we will assess the prospect of recovering the Person’s uninsured losses and if we are satisfied as to the reasonable prospects of recovery we will deal with the Person’s claim through to settlement. Depending on the terms of the Person’s motor insurance policy, uninsured loss recovery might include:
  • policy excess
  • cost of repairs to your own vehicle
  • replacement vehicle hire charges
  • out of pocket expenses
  • loss of earnings
  • personal injury
10. Legal support
In the event of a non-fault accident where there is an identifiable insured at-fault third party where a Person has suffered a personal injury as a result of the accident where such personal injury is considered likely to exceed £1,000 in damages, our specialist solicitors will be able to provide the Person with legal support on a no-win-no-fee basis. The Person will, upon conclusion of their successful personal injury claim, keep up to100% of their compensation award. We at Assist Protect Limited will never deduct anything from said compensation award.

The solicitor/client relationship between the Person and their solicitor is governed by the Conditional Fee Agreement between the Person and their solicitor and other terms and conditions outside the ambit of this document and will be explained to the Person fully, transparently and in plain English by these solicitors to the Person.
11. Private physiotherapy and rehabilitation treatment
In the event of a non-fault accident where there is an identifiable insured at-fault third party where a Person has suffered a personal injury as a result of the accident where such personal injury is considered likely to exceed £1,000 in damages, the Person will be entitled to our private physiotherapy and rehabilitation treatment service.

Based upon the Person’s GP's recommendations, backed up by our telephone triage session, the Person will be referred to one of our private physiotherapist and rehabilitation professionals. This clinic will always be local to where the Person lives to ensure maximum convenience.
12. Claim handling and reporting
As well as all the valuable services we provide, our straightforward and clear process is designed from start to finish to make the Person’s life simple:
  • We’ll handle all the communication with the at-fault party’s insurer
  • We’ll take care of all the paperwork and administration for the Person
  • We’ll arrange for all the repairs or replacement of the Person’s Vehicle
The Person will not have to concern themselves with the usual inconvenience and hassle of the claim process. Everything that needs to be done will be done by people trained to do it while the Person is kept fully and regularly informed on progress.
13. Consent to keep you informed
From time to time it will be necessary for us to email You in order to keep You informed of any upgrades You're entitled to, discounts, special offers, changes to your policy, renewal notification and so on and by clicking the box on our joining page to confirm that You have read and understand these Terms and Conditions You are giving us Your consent that we may communicate with You via email in order to keep You informed of these important matters.
14. Our zero tolerance policy regarding fraud and deception
We adopt a zero tolerance policy when it comes to fraud. We will not hesitate to press criminal charges and also, if appropriate, make a civil claim against any Person for recovery of monies paid out by ourselves and legal costs if we find that a Person has deliberately mislead us and/or falsified information regarding the circumstances of an accident or any other matter pertinent to the provision of our services and/or have, for the purposes of material gain, in any other material way not acted with the same good faith as we ourselves act in our dealings with the Person.
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Assist Protect Ltd.

Where the term 'cover' is used in this site, it is as an umbrella term denoting the benefits and services included in the particular membership package and not to denote a policy of insurance. Assist Protect Ltd is a company limited by shares and the registered office is at Mercia Place, 2 Main Street, Repton, Derbyshire, United Kingdom, DE65 6EZ Company No. 07184256.

Assist Protect Ltd are appointed agents of One-Stop-Law Ltd who are regulated by the Claims Management Regulator in respect of regulated claims management activities under Authorisation Number CRM27266, details of which can be found at www.claimsregulation.gov.uk

© Assist Protect Limited. All rights reserved.

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