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, Channel Islands or Isle of Man.
Details of the benefits and exclusions are below, we recommend you review the policy details in full, which are available here.
Overview of cover
- The vehicle you are travelling in must be insured, taxed and have a valid MOT in order for us to attend
- 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 in length, 3.0 metres in height or 2.25 metres in width. This is in addition to your vehicle being no greater than 5.5 metres in length, 3,500 kgs in weight, 3.0 metres in height and 2.3 metres in width. We will arrange for your caravan or trailer to be taken to a suitable location of our choosing
- Home Start comes as standard which covers breakdowns that occur at 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, or repairs will take longer than 30 minutes, recovery will be arranged to take your vehicle to a local repairer. Where repair cannot be made at the roadside or at a local repairer within 4 hours we will organise a national recovery
- If the vehicle is taken to a local repairer, you will be reimbursed a taxi fare up to 10 miles from the breakdown (receipts must be obtained)
- Up to 5 call outs per year are covered
What's not covered?
- Claims where your vehicle is damaged or immobilised as a result of an accident
- The cost of labour and/or parts at any garage to which the vehicle is taken
- Claims where your vehicle is being used for commercial or business purposes or is a motorcycle
- Missing or broken keys. We will try to provide the details of a locksmith but you will have to pay for this service
- Where we have had to deliver your caravan to an alternative site, we will not be liable for any goods, possessions or livestock being transported at the same time
- Replacing tyres or windows
Upgrade options
If you wish, you can enhance the cover you get as standard by upgrading your policy to include onward travel or a European option. These Breakdown Assistance upgrades start at £80 per year. For full details of the options available and eligibility requirements, please click here*.
*Some of these links may allow you to access non-HSBC websites. HSBC Bank plc has no control over the linked websites and is not liable for the use of it.