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egistered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX). * Single Trip Cover is available to UK residents registered with a UK General Practitioner who are 85 years or younger at the policy start date. Annual Multi-trip Standard Cover is available to UK residents registered with a UK General Practitioner who are 79 years or younger at the policy start date (74 years or younger for Premier Cover). No Claims Discount applies to telephone sales only. Breakdown Cover Club Membership Accident Management Services Services FAQ's Accident management service - your questions answered I caused an accident. Surely you won't be able to help me out The accident management service is still available for you to use and will certainly be able to reduce your burden of paperwork and administration. Of course, you may well not have any entitlement to personal injury compensation, loss of earnings or damage to personal possessions, but we are still there to make the process as problem-free for you as possible. I don't have a GEM motor insurance policy. Can I still make use of the service Yes. It doesn't matter who you use for motor insurance - the service is there for you, free of charge, as a GEM member. The accident was not my fault, could you organise a courtesy car for me and will I incur any costs We have an arrangement that a replacement car can be provided by Motor Assist, vehicle replacement specialists, at no cost to you for the period of repair or a reasonable period if your vehicle is written off. The cost of the vehicle will be claimed from the other party or their insurers. I've had a crash. It was the other guy's fault, but he says it was my fault. Can you still assist Yes, however the level of assistance we offer will be determined in the first instance by an initial assessment of your case and the prospects of success in any claim. In addition to my replacement car costs and policy excess can I include a claim for personal injury Yes. GEM members will receive a full injury compensation recovery service provided by a dedicated team of advisors. If the accident was not my fault do I have to use Insurers approved repairer No, we have a national panel of repairers or you can nominate a repairer of your choice. In any event we will handle all aspects of the estimation and repair process on your behalf. Can I have a like for like replacement car If the accident was not your fault then we will supply you with a vehicle the same class as your own, or superior if one of the same class is not available, subject to the vehicle age/valuation. If the accident was your fault then courtesy vehicle will be subject to repairer availability. If a claim is initially declared non fault will I be liable for any costs should it subsequently be determined to be my fault. No. If we initially agree accept a claim as non fault then provided you have disclosed all material facts honestly then you will not be subject to any costs. In addition an insurance policy is automatically effected, free of charge, which will protect you against any unrecovered hire/repair costs if authorised by ourselves. Subject to terms and conditions. Terms and Conditions Club Membership and Breakdown Cover Terms and Conditions About the Club General terms of membership Document of Insurance What to do if you breakdown Recovery RECLAIM - *important* GEM Motoring Assist Services Roadside Recovery EXTRA - additional services Recovery RECLAIM Services Definitions General Conditions General Exclusions Our Promise to you Call recording About the Club Originally established in 1932 as the Company of Veteran Motorists to combat an increasing number of road accidents, GEM Motoring Assist today remains the leading, driver based road safety association with around 65, 000 members. All set a good example on the road by agreeing to drive with care, courtesy and concentration. Club members enjoy our free quarterly magazine, Good Motoring; free road safety, motor legal, technical and insurance advice; experienced driver assessments; and specially negotiated discounts on insurances, vehicle inspections, airport parking and a host of other services. Since its introduction in 1978, our low cost breakdown cover has always been popular amongst members. There are now three levels of cover to choose from, so whether you want simple roadside assistance or need a more comprehensive service, you can be sure we have a competitively priced plan to suit your purpose. Our campaigning and road safety activities are no less important now than they were when the organisation was founded. Mainly funded by our Road Safety Charity, recent initiatives have included pressure for the introduction of new legislation; sponsorship of award schemes, research and conferences; donation of equipment for training, assessment and vision screening; and production of road safety literature. General Terms of Membership

1. All communication should be made to: GEM Motoring Assist, Station Road, Forest Row, East Sussex RH18 5EN
2. You must notify us of any change in your address immediately.
3. GEM Motoring Assist reserves the right to refuse membership if you have been disqualified from driving during the past five years.
4. You must notify the Secretary immediately if you are disqualified from driving for any reason. GEM Motoring Assist reserves the right to cancel your membership if you are disqualified from driving.
5. You may cancel this membership without giving a reason, by writing to us within the first 14 days of membership, or (if later) within 14 days of your receiving the membership documents. This is known as the withdrawal period. If you cancel your membership within the 14-day withdrawal period you will be entitled to a full refund of the subscription paid. If you cancel your policy after the 14-day withdrawal period you will not be entitled to a refund. However, if you have not used our services in the current period of membership, you will be allowed the part of the subscription that you have not used, (provided it is in excess of 5), off any future subscription.
6. You may upgrade your membership during the membership year but you must pay the full current annual fee for the difference in cover. The upgraded membership will apply until the current annual membership expires.
7. All named members under each membership must reside at the same address.
8. A period of 4 months must elapse between a member leaving GEM Motoring Assist and re-joining to benefit from any special offer or promotion. Any application received within this 4 month period will be treated as a renewal and priced accordingly.
9. If you do not pay your membership fee in full, we will cancel your membership.
10. When you renew your Gem Motoring Assist membership the terms of membership that are current at that time will apply.

Document of Insurance This Document is a legally binding contract of insurance between YOU (the Insured) and US (Equity Red Star). The contract is based on the information you provided in your signed proposal form. We have agreed to insure you under the terms, conditions and exceptions contained in this booklet or in any endorsement applying to this booklet. The insurance provided by this document covers any liability, loss or damage that occurs during any period of insurance for which you have paid, or agreed to pay the premium. Signed for and on behalf of EQUITY RED STAR (JOINT UNDERWRITERS) What to do if you breakdown Unless we have agreed otherwise with you, in writing, this insurance is governed by English Law. We will provide cover for breakdowns and the costs involved with the breakdown, in accordance with the terms of the Policy, which occur during the period of insurance and within the territorial limits. If the vehicle breaks down you must call the 24 hour Rescue Control Centre on:- 0500 295 472 or 01277 720711 Minicom 0800 174647 or 01277 725501 where our trained staff will deal with your request quickly. Please have the following information available when you phone:

• your name, membership number and postcode
• the phone number (including area code) you are calling from
• the location of the broken down vehicle, including road numbers or names and landmarks
• the registration number, make, model and colour

Please note that you are responsible for the cost of any parts fitted. IMPORTANT - Recovery RECLAIM If you have Recovery RECLAIM you can make your own arrangements or call our Rescue Control Centre as shown above. However, you must pay the recovery firm s costs and expenses yourself and then send the invoice(s) together with any receipts and a completed claim form to the address shown below. A claim form can be obtained:

• by calling 01342 825676
• online at www.motoringassist.com
• by emailing claimform@motoringassist.com
• by writing to: GEM Motoring Assist Claims Department, Station Road,

Forest Row, East Sussex RH18 5EN GEM Motoring Assist Services If the vehicle being personally driven by one of those named and permanently resident at the address shown or a vehicle owned by one of those named personally and in which, he or she is travelling as a passenger, cannot be driven as a result of a breakdown, which occurs during the course of a journey and more than one mile from your home, we will provide the services shown below, as long as membership of GEM Motoring Assist and your breakdown cover are current and fully paid at the time of breakdown. Roadside Roadside Assistance We will arrange help at the scene of the breakdown and will arrange and pay call-out fees and labour charges needed to start the vehicle at the roadside. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers from the place where the vehicle has broken down to the nearest available garage or to your home address, provided it is within 15 miles. This benefit is designed to cover small emergency repairs. It will not cover the cost of any parts or materials. Any work, which is not carried out at the roadside, is not covered. It is provided under a separate contract between yourself and the garage. Recovery EXTRA Additional Services The following services are only available if you have Recovery EXTRA and have paid the appropriate premium. Recovery If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the reasonable cost of taking the vehicle, you and up to 6 passengers from the place where the vehicle has broken down to any one place you choose. Home Assistance If the vehicle breaks down at your home or within one mile of your home, we will arrange assistance and pay call-out fees and labour charges needed to start the vehicle at your home. If the vehicle cannot be repaired quickly at the scene of the breakdown, we will pay the reasonable cost of taking the vehicle to the nearest available garage. The most we will pay is 60. Alternative Travel or Emergency Overnight Accommodation If the vehicle breaks down while it is more than 25 miles from your home, and it cannot be repaired at the roadside or at a garage during the same day, we will refund the cost of alternative travel arrangements or necessary emergency overnight accommodation. The most we will refund is 100:

• for alternative road or rail travel or car hire; or
• for one night s hotel accommodation for you and up to 6 passengers. (The amount we will refund will only be for the rooms. We will not pay any amount for meals or drinks.)

Before you arrange alternative travel or accommodation you must call the Rescue Control Centre for their agreement. We will only refund amounts covered by this insurance if we receive valid invoices and receipts. Driver Illness If your vehicle cannot be driven as a result of the only available driver in your party suffering a serious illness, which occurs during the course of a journey, the listed benefits will apply. Accident, Vandalism or Theft If your vehicle cannot be driven as a result of damage, which is caused by an accident, vandalism or theft, the listed benefits will apply. The most we will pay is 60. Caravan and Trailer Service If your vehicle breaks down, any attached caravan (or small trailer not more than 3 metres (10 feet) long) used for private purposes will be entitled to the same service as the vehicle, as long as it is attached to the vehicle by a standard 50 millimetre (2 inch) towing coupling. Toll Authority Fees If your vehicle breaks down in a Toll Authority area, we will refund the cost of any Toll Authority charge to recover the vehicle. Recovery RECLAIM Services If you have selected to take Recovery Reclaim all of the above services will apply and you can make your own arrangements for assistance. However, you must pay the recovery firm s costs and expenses yourself and then send the invoice(s) together with any receipts and a completed claim form to GEM Motoring Assist Claims De monebaggasse