As an HSBC Insurance Aspects holder you're covered as a driver or passenger of any eligible vehicle for breakdowns which occur at your home address or on the road in the UK.
Details of the benefits and exclusions are below, we recommend you review the policy details in full, which are available in your policy booklet.
Overview of cover
- The vehicle you are travelling in must be insured, taxed and have a valid MOT in order for us to attend
- Your vehicle is UK registered, and either a car or light van that is no longer than 6.4 metres (21ft) in length including tow bar, no wider than 2.55 metres (8ft 4in) in width and no heavier than 3,500kg (3.5 tonnes) in weight OR
- a motorhome that is no longer than 7.0 metres (23ft) in length including tow bar, no wider than 2.55 metres (8ft 4in) in width and no heavier than 3,500kg (3.5 tonnes) in weight.
- You are covered for towing a caravan or trailer provided your vehicle is immobilised due to a covered breakdown/immobilisation and as long as the caravan or trailer is no longer than 7.0 metres (23ft) in length including a tow bar, 3.0 metres (9ft 10in) in height, no wider than 2.55 metres (8ft 4in) in width and no heavier than 3,500kg (3.5 tonnes) in weight.
- Cover for vehicle breakdown at home comes as standard which covers breakdowns that occur within a quarter of a mile of your home address as well as on the road within the UK, the Channel Islands or the Isle of Man
- Cover is personal to the HSBC Insurance Aspects holder so whether you drive or not, you are covered as a passenger in any eligible vehicle. Please remember that the HSBC Insurance Aspects holder must be with the vehicle when the incident occurred, when the call is placed and when assistance arrives otherwise assistance may not be provided
- If the vehicle you are travelling in breaks down, we will attend the vehicle in order to effect repairs, or if this is not possible, provide a vehicle recovery
- If we are unable to arrange a repair at the roadside, the RAC will recover the vehicle, you and up to 7 passengers travelling in the vehicle to a single destination chosen by you within the UK
- If the RAC recovers the vehicle to a garage, you will be reimbursed taxi costs to continue the journey to a single destination within 20 miles from the breakdown (receipts must be obtained)
- Up to 5 call outs per year are covered per account holder
What's not covered?
The RAC will not
- Provide for anything which is not a breakdown, e.g. a road traffic collision in the UK
- Provide cover for vehicles used for business or commercial purposes or for a vehicle not privately owned
- Provide recovery to more than one destination
- Cover the cost of any parts under Roadside and Recovery or At Home cover
- Cover breakdowns caused by a fault that the RAC had previously provided breakdown cover for, if the RAC advised you that the repair was temporary and further repairs were required
- Provide cover for any animals that are transported in your vehicle – this is at your own risk. The RAC will not transport animals in the recovery vehicle (assistance animals will be transported with their owners)