Ramasis Insurance Services

insurance without the hassle

Motorcycle Breakdown Assistance (violet)

Full UK & European Breakdown Recovery including Homestart
In the event of a breakdown
European service
About your policy
Change of bike
Definitions
Exclusions
General conditions
Our promise
Complaints procedure
Call recording





What To Do If You Breakdown

If your motorbike should breakdown please call our 24 hour control room on: -


Our Rescue Controller will assist you professionally, sympathetically and deal with your request quickly.

Please have the following information ready to give to our Rescue Controller, who will use this to validate your policy.

  1. Your return telephone number with area code.
  2. Your motorbike registration.
  3. The precise location of your motorbike (or as accurate as you are able in the circumstances).

We will take your particulars and ask you to remain by the telephone you are calling from. Once arrangements have been made we will telephone to advise who will be coming out to you and how long they are expected to take. You will then be asked to return to your motorbike.

Please remember to guard your safety at all times but remain with or nearby your motorbike until our Recovery Operator arrives. Once our Operator arrives please be guided by his/her safety advice.

If the police are present please advise them that you have contacted us or give them our freephone number to call on your behalf.

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European Service

Call Assist will provide service throughout Europe for a maximum of 2 months for each single trip.

Regulations are different when you breakdown in Europe and help may take longer to arrive.

We will require detailed information regarding the location of your motorbike. We will need to know if you are on an outward or inward journey and details of your booking arrangements. When we have all the required information we will consult with our European network.

You will be kept updated at all times and will therefore be asked to remain at the telephone you called from.

Countries covered by our insurance:-
Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden and Switzerland.

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About Your Policy

The motorbike is covered for any rider.

* This service will be offered on a pay/claim basis, which means that you pay initially and we will send you a claim form for reimbursement, which will be dealt with at our Control Centre within a short period of time. Before arranging these services authorisation must be obtained from our Rescue Controller. We will only reimburse claims when we are in receipt of a valid invoice/receipt.

Please Note - any repairs undertaken by our recovery operators at their premises are provided under separate contract, which is between you and the garage.

Toll Fees - we will pay ferry and toll fees only within the confines of the United Kingdom and Northern Ireland.

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Change of Motorcycle

Our policy covers the motorbike registered on our computer data, therefore any change must be notified immediately either by telephone, fax or in writing.

Please include the policy number, new registration, make, model and colour of your motorbike and the date you wish us to make the change.

If you do not notify us of the new motorbike details, we may not be able to supply you with the service.

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Definitions

US, WE, OUR means Call Assist
YOU,YOUR the person named as 'the insured' in the schedule
MOTORBIKE means the motorbike registered with Call Assist
BREAKDOWN means an electrical or mechanical failure, which immediately renders the vehicle immobilised
TERRITORIAL LIMITS means Great Britain, Northern Ireland, Scotland and Wales.

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Exclusions

This insurance does not cover the following:-

  1. Motorbikes not registered with us.

  2. Motorbikes over 10 years old for cover in Europe

  3. The cost of any parts, components or materials used to repair the motor bike.

  4. Any costs or expenses not authorised by our Recovery Controllers.

  5. The cost of food, drinks, telephone calls or other incidentals.

  6. The cost of alternative transport other than to your destination and a return trip to collect your repaired vehicle.

  7. The cost of petrol, oil or insurance for a hire vehicle.

  8. The recovery of the motorbike and pillion if repairs can be carried out at or near the scene of the breakdown within a reasonable time. If recovery takes effect we will only recover to one address in respect of any one breakdown.

  9. Overnight accommodation or vehicle hire charges if repairs can be carried out at or near the scene of the breakdown within a reasonable time.

  10. Breakdowns caused by failure to maintain the motorbike in a roadworthy condition including maintenance of proper levels of oil and water. If, in the opinion of our Recovery Operator, the motorbike is found to be unroadworthy due to lack of maintenance, unless servicing records can be provided, we may terminate your policy immediately, notifying you, by letter, what action we have taken.

  11. Running out of petrol.

  12. Any request for service if the motorbike cannot be reached due to snow, mud, sand or flood where the motorbike is not accessible.

  13. Any request for service if the motorbike is being used for racing, rallies, public hire, private hire, courier services or any contest or speed trial or practice for any of these activities.

  14. Claims not notified prior to expenses being incurred.

  15. The charges of any other company (including police recovery) other than our Recovery Operator or of hire or accommodation charges except for those authorised by us.

  16. Loss or damage to the motorbike or its contents.

  17. Direct or indirect loss, damage or liability caused by, contributed to or arising from:-

    1. Ionising radiation or contamination by radioactivity from an irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

    2. The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof.

    3. Any results of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power.


  18. Any false or fraudulent claims.

  19. Failure to comply with our requests or those of our Recovery Operators concerning the assistance being provided.

  20. Fines and penalties imposed by courts.

  21. Any charges where the insured, having contacted us, effect recovery or repairs by other means.

  22. Ferry and Toll charges outside of Mainland UK.

  23. Any claims relating to the following:-

    1. Motorbikes more than 10 years old for cover in Europe

    2. Non standard, customised or modified motorbikes unless declared and agreed with us prior to taking the insurance.

  24. Any service or insurance cover where remedial action has not taken place following a previous breakdown.

  25. More than six callouts per policy per year.

  26. Claims totalling more than £15,000 in any one year.

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General Conditions

  1. We will provide cover if


    1. You have met all the terms and conditions of this insurance.

    2. The information provided to us, as far as you are aware, is correct.


  2. The policy is not transferable.

  3. The rider of the motorbike must remain with or nearby the vehicle until help arrives.

  4. We may cancel the policy by sending 7 days notice to your last registered address.

  5. We will allow a Cooling Off period of 14 days from the time you receive this information. If you do not want to continue with the insurance, providing you have not made a claim, you may cancel your cover within this period and receive a full refund. You may also cancel the policy after the Cooling Off period, in writing, returning your document of Insurance. If you have not made a claim in the current period of the insurance, we will refund your premium on a pro rata basis.

  6. Should you wish to contact us, please send your correspondence to:-
    Call Assist Limited, Axis Court, North Station Road, Colchester, CO1 1UX

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Our Promise to You

We aim to provide a high standard of service. Please telephone us if you feel we have not achieved this and we will do our best to rectify the problem immediately.

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Complaints Procedure

Any enquiry or complaint you have regarding your policy should be addressed in the first instance to:

Call Assist Limited
Axis Court
North Station Road
Colchester, CO1 1UX

who arranged the policy for you. If you are still not satisfied, please write to:

The Customer Service Manager
Groupama Insurance Company Limited
Groupama House, 60 Spring Gardens
Manchester, M60 1HU.

Please have ready the details of your policy and in particular your policy number, to help your enquiry to be dealt with speedily.

If you still feel the matter has not been resolved to your satisfaction, write to

The Chairman and Chief Executive
Groupama Insurance Company Limited
2 Minster Court, Mincing Lane
London, EC3R 7FB.

If you remain dissatisfied, short of court action, you:

  1. Have the right to ask The Financial Ombudsman Service to review your case provided the policy is not of commercial nature.

    The right to apply to the Ombudsman must be exercised within six months of the date of the Company's final decision. He can be contacted at the following address:

    The Financial Ombudsman Service
    South Quay Plaza
    183 Marsh Wall
    London E14 9SR

    Telephone: 0845 080 1800.


  2. Can approach the Association of British Insurers for assistance. The address and telephone number of the London Headquarters of the Association are as follows:

    51 Gresham Street,
    London
    EC2V 7HQ

    Telephone: (020) 7600 3333

    The Association can also be contacted at one of its regional offices for which the address and telephone numbers can be found in local telephone directories.

    If you write to or ring the London Headquarters, please direct your complaint to the Consumer Information Department.

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Call Recording

To help us provide a superior service your telephone calls may be recorded for training purposes.

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Call Assist

Call Assist Limited and Groupama Insurance Company Limited are members of the General Insurance Standards Council.