FAQs

Euro Plus FAQS

FREQUENTLY ASKED QUESTIONS

We’ve put together some commonly asked questions to give you more information about Euro Plus and the cover we offer. If you have a question that is not answered below please use the contact us page.

General

Who is eligible for Euro Plus?
Euro Plus is available to people who are resident in Great Britain, Northern Ireland, the Isle of Man, Jersey, or Guernsey.

The policy covers each driver and all passengers in the insured vehicle.

The insured vehicle must not be carrying more than it is designed to carry.

Vehicles must be located within Great Britain, Northern Ireland, the Isle of Man, Jersey or Guernsey when cover is purchased and commences.

What vehicles will you cover?
The insured vehicle must be:

  • Owned by you and not rented or hired under a vehicle rental agreement and not used for motor racing, rallies, public hire, private hire or courier services.
  • A car, motorcycle over 150cc, motorised caravan, minibus, light van, estate car or 4×4 sport utility vehicle registered in the territorial limits (UK).
  • For a Single Trip policy, aged 15 years or under since first registration. For an Annual Multi-trip policy, aged 15 years or under since first registration.
  • Not more than 3,500kg in weight (including any load), 7 metres in length (3 metres high and 2.3 metres wide).
  • Not carrying more than the legal carrying capacity of the vehicle.
  • Kept in a safe and roadworthy condition and serviced in accordance with the manufacturer’s specifications.
Is there a maximum vehicle age limit?
The maximum age limit for cover is 15 years or under since first registration.
Are towed caravans and trailers covered?
Yes, provided they are of a proprietary make where the total length does not exceed 7 metres/23 feet (not including the length of the A-frame and hitch) and is attached to the vehicle with a standard 50mm tow ball coupling hitch.

Which countries are covered?
Euro Plus covers you within the following Territorial Limits (Europe):

Area 1 Belgium, France, Luxembourg, Netherlands, United Kingdom  (when travelling to and from the International departure point), and the Republic of Ireland.

Area 2 (including Area 1) Andorra, Austria, Canaries, Denmark, Finland, Germany, Gibraltar, Greece, Iceland, ltaly, Liechtenstein, Madeira, Monaco, Norway, Portugal, San Marino, Spain, Sweden, Switzerland, and Vatican City.

Area 3 (including Area 1 & 2) Bulgaria, Croatia, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania, Slovakia, Slovenia.

The policy does not cover trips within Great Britain, Northern Ireland, the Isle of Man, and (for residents only) Jersey and Guernsey, other than during the direct journeys between your home and your international departure point.

Can I be covered for trips in my home country?
This policy does not cover trips within Great Britain, Northern Ireland, the Isle of Man, and (for residents only) Jersey and Guernsey, other than during the direct journeys between your home and your international departure point.

Single Trip

What is the maximum duration for a Single Trip policy?
The maximum duration of any single trip is 90 days.
Do you cover one-way trips?
Cover for one-way trips is not available.  
Can I extend my Single Trip policy if I decide to stay longer?
Subject to The Insurers agreement, we may be able to extend an individual trip policy providing you let us know before your policy expires. At the time of requesting the extension you will need to confirm you have not required assistance or claimed and are not intending to require assistance or make a claim. Please note, this is subject to your existing trip duration including the extended period not exceeding 90 days which is the maximum trip durations of the Single Trip policy. You will be advised of the additional premium at the time of the request.

Annual Multi-Trip

What is the individual maximum trip limit under an Annual Multi-trip policy?
You are covered for any number of individual trips up a maximum of 90 days for each trip.
If I am abroad can I extend the 'maximum duration any one trip' limit provided by my Annual Multi-trip policy if I decide to stay longer?
No, we are unable to extend cover beyond the maximum duration limit.

Motor Breakdown Service

Do you have a 24-hour Motor Breakdown Service?
The Euro Plus policy has a 24-hour motor breakdown service provided by Call Assist. In the event of a motor breakdown, accident or theft during your journey (or within 7 days before you leave) you must contact the motor breakdown service:

Outside your home country:
Tel: +44 (0) 1206 714 335

Within your home country:
Tel: 01206 714 335

Further details of this service are shown in your Insurance Policy.

In the event of a breakdown whilst abroad, do I have to pay my bills myself?
On most occasions, we will be able to guarantee costs directly with the repairer or garage. However, where we are unable to do, you may be asked to pay directly. Please ensure that you obtain a detailed invoice of all work carried out to support your claim. In the event of a motor breakdown, accident or theft, you must always contact the 24 hour motoring breakdown service. Your claim may not be paid if you fail to do so.

Buying Online

Is your website secure?
Yes. We use 128-bit encrypted SSL to help keep all of your data safe.
How can I pay for my policy?
You can pay by debit or credit card. We accept Mastercard and Visa.
How will I receive my policy documents?
Your Schedule of Insurance and policy documents are delivered to the email address you provide.
Do I need to take my policy documents with me?
You should print a copy of your Schedule of Insurance and policy documents and carry them with you.

The Insurance Policy includes important telephone numbers including the Motor Breakdown Service that is available to you 24 hours a day, 365 days a year.

Can I get my money back if I want to cancel?
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents. Provided you have not travelled or made or intend to make a claim, your premium will be refunded in full.

Other

Who are the Insurers?
Euro Plus is underwritten by Collinson Insurance.

The policy is underwritten by Collinson Insurance. Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846. Registered in England number 01708613.

How do I know what I'm covered for?
Please read the Insurance Policy for full details of the cover.
Can you resend my policy to me?
Yes. Please email us at direct.sales@pjhayman.com with your policy number (if known), your name and the address (for verification) and we will then resend the policy.