Tuesday 15 November 2011

Useful AA Contact Information

Breakdown Assistance in the UK: 
0800 88 77 66
or 0121 275 3746

To Renew Your Membership:
0800 43 59 80

To purchase European Breakdown Cover: 
0800 444 500

Enquiries or policy changes: 
0843 316 4444
or 0161 332 1789
customersupport@theAA.com

For Breakdown Assistance in the  Republic or Ireland (under discretionary/reciprocal arrangements)  
0800 88 77 66

For free help and advice following a road traffic accident you can call AA Accident Assist on 
0800 048 2678

SMS text messaging is available for use by deaf, hard of hearing or speech impaired Members in a breakdown situation by sending an SMS to 
07900 444 999.

Information is available in large print, audio and Braille on request.
Please call 0800 262 050
for details.

Deaf, hard of hearing or speech-impaired Members may contact us using Text Relay.

The AA Company Details

The Automobile Association Limited is incorporated with limited liability in Jersey number 73356. Registered Office: 22 Grenville Street, St Helier, Jersey JE4 8PX, Channel Islands. It is an insurer of breakdown assistance services cover that is exempt from authorisation under the Financial Services and Markets Act 2000. Head Office (Registered Branch Office): Fanum House, Basingstoke, Hampshire RG21 4EA. Branch registered in England and Wales number BR004875.

Acromas Insurance Company Limited is authorised and regulated by the Commissioner of Insurance, Financial Services Commission, Gibraltar, and regulated by the Financial Services Authority, United Kingdom. Acromas Insurance Company Limited is a member of the Association of British Insurers.
Acromas Insurance Company Limited, 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). UK branch address: Acromas Insurance Company Limited, Enbrook Park, Folkestone, Kent CT20 3SE.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). Registered Office: Fanum House, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Use of Your Personal Information

1.1 The Acromas Holdings Limited group of companies, of which the AA group of companies* (including The Automobile Association Limited, AA Limited and Automobile Association Insurance Services Limited) forms a part (“we”) will use your personal information for the following purposes**:
    a) to identify you when you contact us;
    b) to help identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the information you have provided, any information we hold about you and information from third party agencies (including credit reference agencies);
    c) to help administer, and contact you about improved administration of, any accounts, services and products we have provided before, or provide now or in the future;
    d) to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information;
    e) to help to prevent and detect fraud or loss;
    f) to contact you in any way (including mail, email, telephone, text or multimedia messages) about products and services offered by us and/or selected partners unless you have previously asked us not to use the relevant personal data for such purposes;
    g) to keep you up to date with the AA Member benefit scheme under which, as part of your Membership benefits, you will be given Membership information and details of discounts and offers negotiated from time to time on behalf of AA Members. If you do not want to receive this benefit please write to the AA Data Protection Officer at the address given in clause 1.5;
    h) where the AA are contacted for breakdown assistance service using a mobile telephone the AA or its agents may provide details of the relevant telephone number to the mobile telephone network providers, through the agent, to enable the geographical location of the handset to be recorded as part of the breakdown information in order to assist in locating the caller.

1.2 We may allow other people and organisations to use information we hold about you for the purpose of providing services you have asked for, as part of the process of selling one or more of our businesses, or if we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings. From time to time, these service providers and organisations may be outside the European Economic Area in countries that do not have the same standards of protection for personal data as the UK. We will, however, always use every reasonable effort to ensure sufficient protections are in place to safeguard your personal information.

1.3 We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance reasons.

1.4 We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this. We and other organisations may use and search these records to:
    a) help make decisions about credit related services for you and members of your household;
    b) help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and other members of your household;
    c) trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies; and
    d) check your identity to prevent money laundering unless you give us other satisfactory proof of identity.
* A list of companies forming the AA group of companies is available from the Data Protection Officer at the address given here.
** See the AA privacy policy at theaa.com/termsandconditions/privacy_policy.html for further details.

1.5 If you need details of those fraud prevention agencies from which we may obtain and with which we may record information about you, please write to The AA Data Protection Officer at The AA, Fanum House, Basingstoke, Hampshire, RG21 4EA.

1.6 Where you give us information on behalf of someone else, you confirm that you have provided them with the information set out in these provisions and that they have not objected to such use of their personal information. Where you give us sensitive data about yourself or another person (such as health details or details of any criminal convictions) you agree (and confirm that the other person has agreed) to our processing such information in the manner set out in these provisions.

AA Membership Arrangement and Administration Contract – Your Contract with AAIS

Set out below are the Terms and Conditions of your contract with Automobile Association Insurance Services Limited (“AAIS”) relating to AAIS’s arrangement and administration of your AA Membership.
Please note that some sales are not arranged through AAIS and if this applies to your cover, you will be issued with a separate document identifying the company which arranged your cover, and giving the required information about that company.

The minimum duration of your arrangement and administration contract with AAIS is the duration of your AA Membership and your contract with AAIS will terminate simultaneously with the termination of the related AA Membership (whatever the reason for such termination).

1. Who regulates AAIS?

AAIS is authorised and regulated by the Financial Services Authority (FSA). The FSA is an independent body that regulates the financial services industry in the UK. AAIS’s permitted business is that of an insurance intermediary dealing in and arranging contracts of general insurance. You can check this information on the FSA’s register by visiting their website www.fsa.gov.uk/register or by contacting 0845 606 1234. Our FSA registration number is 310562.

2. Which companies does AAIS deal with?

AAIS deals with The Automobile Association Limited which underwrites Roadside Assistance, Home Start and Relay, and Acromas Insurance Company Limited which underwrites Stay Mobile. AAIS acts as an agent of these underwriters, when arranging payments or refunds of your premium. These are the only underwriters of breakdown assistance available through AAIS. AAIS may renew your cover to a different underwriter or notify you of a future change if the underwriter of AA products has changed for new policies for any reason.

3. What services does AAIS provide?

AAIS provides the following services to you:
  • Providing information about breakdown cover: AAIS will provide you with information on the breakdown cover available from the insurer(s) under AA Membership and will ask you some questions to help narrow down the level and type of that breakdown cover of interest to you. You will not receive advice or any recommendation on which level or type of breakdown cover to buy and you will need to make your own choice on which level and type of breakdown cover you require.
  • Arranging breakdown cover. Once you decide what cover you require, AAIS will arrange this for you with the insurer(s), dealing with payment and issuing the relevant Membership documentation and card(s).
  • Administering breakdown cover: After arranging breakdown cover AAIS will administer it on your behalf, including supplying replacement Membership documentation, keeping your Membership records up to date, dealing with enquiries; changes to payment methods, renewals (including Autorenewal) of Membership and cancellations (including refunds of premium on behalf of the insurer(s)).
  • Making changes to breakdown cover: If during your Membership you wish to change the type or level of cover AAIS will provide you with information to help you make your choice and will arrange any changes with the insurer(s), including dealing with any additional payments and issue any relevant Membership documentation and card(s).
  • If, during the currency of your AA Membership, the relevant insurer wishes to alter the Terms & Conditions of Membership Cover, AAIS will provide you with the relevant information. AAIS will, for compliance  purposes, keep a copy of the policy that was issued to you Communication by AAIS concerning any policy issued will be in English.

4. What will you have to pay for services provided by AAIS?

AAIS will always inform you of, or confirm in writing its fees for the services it provides under this contract. These fees and when they are payable, will be advised in the contract, in the accompanying letter or separately in writing. AAIS’s fees will be identified separately from the Breakdown Cover premium.
AAIS may charge an additional fee of up to two per cent of the transaction value if you pay by credit card (the ‘credit card charge’). You will be advised, in advance, if this fee will apply, and the amount payable.
Subject to any statutory rights you may have as a consumer, AAIS will only refund its fees in the circumstances set out in the following AA Breakdown Cover Policy General Terms & Conditions:
   a) Where premium is refunded under clause 3f; or
   b) where you cancel under clause 8a; or
   c) where you cancel under clause 8b, in which case any refund will be subject to AAIS making a cancellation charge of £20.
Please note: any refund AAIS makes of its fees under b) or c) above will not include a refund of any credit card charge which has been paid by you.
AAIS will also tell you about any other charges relating to your AA Membership.

5. Changes to Terms & Conditions

Annual cover: AAIS is entitled to change any of these Terms and Conditions at renewal. AAIS also reserves the right to make changes to these Terms & Conditions during the Membership Year, on the giving of reasonable notice, where it reasonably considers this necessary in order to comply with any applicable laws, regulations or the advice or instruction of any regulatory authority.
For Continuous Membership: AAIS is entitled to make changes to any of these Terms & Conditions (and to the fees payable) during a Continuous Membership contract, but will always give Members paying monthly or quarterly at least 45 days prior notice of any such change(s).

6. Matters outside AAIS’s reasonable control

AAIS shall not be liable for service failures where it is faced with circumstances outside its reasonable control. Events which might constitute circumstances outside AAIS’s reasonable control include (but are not limited to) Acts of God, outbreak of hostilities, riot, civil disturbance, acts of terrorism, acts of government or authority (including the refusal or revocation of any licence or consent), fire, subsidence, explosion, flood, snow, fog or other bad weather conditions, vehicle, equipment or systems failures, shortages of fuel or other necessary supplies, failure of telecommunications lines or systems, default or suppliers or sub-contractors, theft, malicious damage, strike, lock out or industrial action of any kind.

7. Exclusion of liability for loss of profit etc

AAIS shall not, in any event, and to the extent permitted by law, have any responsibility for
a) any increased costs or expenses; or
b) any loss of
    (i) profit; or
    (ii) business; or
    (iii) contracts; or
    (iv) revenue; or
    (v) anticipated savings; or
(c) for any special or indirect losses incurred as a result of or in connection with any service, whether resulting from tort (including negligence or breach of statutory duty), from breach of contract or otherwise.
For the avoidance of doubt, nothing in this clause or these Terms & Conditions shall exclude or restrict the AAIS’s liability for negligence resulting in death or personal injury.

8. Third parties

None of the Terms and Conditions, or benefits, of this Contract are enforceable by anyone else other than the Member. For the avoidance of doubt, and without limiting the above, any rights under The Contract (Rights of Third Parties) Act 1999, or any replacement or amendment of such act, are excluded.

9. Interpretation: use of English law & language

This contract is written in English and is governed by, and should be interpreted under, the laws of England and Wales.

10. What to do if you have a complaint?

If you wish to register a complaint about the services you have received from AAIS, please contact:
By phone: 0845 607 6727
In writing: Member Relations,
AAIS, Lambert House,
Stockport Road,
Cheadle,
Cheshire,
SK8 2DY.
By email: customersupport@theAA.com
If you cannot settle your complaint with AAIS you may be entitled to refer it to the Financial Ombudsman Service.

11. Is AAIS covered by the Financial Services Compensation Scheme (FSCS)?

The activities of AAIS in arranging AA Membership are covered by the FSCS. You may be entitled to compensation from the scheme if AAIS cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 0207 892 7300.

12. Use of headings

The headings used above are for convenience only and shall not affect the interpretation of its contents.

Service Control - Call Out Limits

Outlined below are the call out limits that apply to the AA Membership Policy within each Membership Year. Service Control is designed to help keep Membership affordable by making sure that high use by a minority of Members is avoided.

Additional premiums during the Membership Year

If the relevant call-out limits are reached, the AA will be entitled to charge an additional premium upon each subsequent call-out to continue AA Membership. The AA will also be entitled to restrict the level of breakdown service(s) available to you during the remainder of that Membership Year.
Depending on Your type of Membership, You have the right to call out the AA up to a maximum number of times in each Membership Year. The limits are as follows:

            Maximum number of call-outs allowed during a Membership Year
                                        Limits in first           Limits from second consecutive
                                    year of Membership      year of Membership onwards
         
Vehicle Membership          5 call-outs           7 call-outs
Single Membership            5 call-outs           7 call-outs
Joint Membership              7 call-outs            9 call-outs
Family Membership           8 call-outs          10 call-outs

Please note: For Personal Membership, call-outs made by Joint or Family Members are also taken into account when calculating whether the service limit has been reached under a particular Membership.

Within the overall service limits set out for Personal and Vehicle Membership above, there is also a separate limit of a maximum of 3 call-outs for Stay Mobile in any one Membership Year.

Additional premiums at renewal

If the relevant maximum number of call-outs set out below are reached within the last two Membership Years, the AA will be entitled to ask for an increased premium for the following Membership Year.
Additional premiums are only applicable to Members who have held less than 15 years of uninterrupted cover. The maximum call out limits are as follows:

Vehicle/Single Membership Total of 5 call-outs over the last one or two Membership Year(s)
Joint Membership Total of 5 call-outs over the last one or two Membership Year(s)
Family Membership Total of 6 call-outs over the last one or two Membership Year(s)

Unless high use of the service continues the increased premium will only be applicable for one Membership Year. The revised premium will be notified to the Member within the renewal

Cancellation of Membership

Cancellation of Membership

8. The Member has the right to cancel their Membership within a 14 day ‘cooling off period’, commencing either from the agreement of the contract (which is the renewal date forrenewing Annual Membership) or the receipt of the relevant Membership documents, whichever happens later.
The following refund policy will apply for Members cancelling within the cooling off period:
      a) if the Member joined already requiring assistance, the Member will receive a full refund of the total Membership premium paid less the AA’s charges for assistance provided. The minimum charge for this assistance is £130.00, which excludes any additional recovery charges paid for excess mileage (see under ‘Relay’, ‘what is not covered’).
      b) if the Member did not join already requiring assistance, the Member will receive a full refund of the
Membership premium*.
      You must not, in any event, make further use of the cancelled Membership.
      Please note that there will be no separate or additional cooling off period(s) during the
      Membership Year, regardless of any changes that are made to the Membership.
*Please see section 4 of the AA Membership Arrangement and Administration Contract,  for information on AAIS’s fees in the event of cancellation.

9. Outside of any relevant cooling off period (on joining or renewal) the following will apply:
      a) for Members with Annual cover: subject to any other statutory rights the Member may have, there will be no right to cancel (and therefore no refund of the Membership premium);
      b) those with Continuous Membership:
      Members paying monthly or quarterly can cancel their cover at any time by giving a minimum of 30 days notice;
      Cancellation will take effect at the next payment date following the end of the notice period. Please note that Continuous Members are entitled to change their level of Breakdown Cover at any time. However if the       Member asks for a service to be removed from the cover held then this will take effect at the next payment date and no part refund of premium will be due.*

10. The AA shall have the right to cancel any Membership Breakdown Cover Policy if:
      a) the AA has been entitled to refuse service under clause 3g; or
      b) the maximum number of call outs, as set out in the AA’s Service Control, has been reached or exceeded in any two consecutive Membership Years; or
      c) Membership was taken out where the AA was, or is, entitled to cancel an existing or previous Membership under a) or b) of this clause.
      No refund of premium* shall be due to the Member following a cancellation under sub-clause a) and b).       In the event that the AA cancels a Membership in accordance with sub-clause c), the AA shall give Members with Annual cover a pro rata refund of the premium based on the unexpired cover at cancellation provided no service has been given.
      For those with Continuous Membership, cancellation will take effect at the next payment due date and no refund of the premium will be due to the Member.*

11. The AA shall also have the right to cancel a Continuous Membership contract:
      a) immediately if any month’s Continuous Membership premium or other related charge is overdue; or
      b) at any time by giving at least 45 days notice in advance of the anniversary date to those Members paying monthly or quarterly: cancellation will take effect at the next payment date following the end of this notice period and no refund of premium will be due to Members on monthly continuous Membership, however for those on quarterly continuous Membership contracts a partial refund of unused premium may be due if cover is cancelled by the AA prior to the next repayment date.*
      *Please see section 4 of the AA Membership Arrangement and administration Contract,
for information on AAIS’s fees in the event of cancellation.

Autorenewal

12. If Membership is paid annually by Direct Debit or Continuous Credit Card and the payer has agreed to allow us to collect the renewal premium automatically each year, then unless we hear to the contrary, your Membership will be automatically renewed at the end of each year. A reminder will be sent to advise of the cost of AA Membership, and any changes to Terms & Conditions that will take effect, at renewal.
If a Member does not want to renew on this basis, they should notify the AA at least 7 days prior to renewal. For information this should be done by contacting AAIS on 0800 435 980, see section 3 of the AA Membership Arrangement and Administration Contract. Please note that Autorenewal does not apply to Continuous Membership cover.

Changes to Terms & Conditions

13. a) Annual cover: The AA is entitled to change any of the Terms & Conditions at renewal. The AA also reserves the right to make changes to these Terms & Conditions during the Membership Year, on the giving of reasonable notice, where it reasonably considers this necessary in order to comply with any applicable laws, regulations or the advice or instruction of any regulatory authority.
      b) For Continuous Membership: the AA is entitled to make changes to any of these Terms & Conditions (and to the premium payable) during a Continuous Membership contract, but will always give Members paying monthly or quarterly at least 45 days prior notice of any such change(s).

Changes to your Personal Details

14. Changes to your name or address must be notified to the AA immediately. This must be done by contacting AAIS on 0843 316 4444 or by writing to AAIS at: Member Administration,
The AA, Lambert House, Stockport Road, Cheadle, Cheshire, SK8 2DY.
Please note that if you pay under a continuous payment authority and your account and/or card details change, we will approach your card provider/bank for, or receive from your card provider bank, updated details to help continue to provide the services you have requested.

Matters outside the AA’s reasonable control

15. While the AA seeks to meet the service needs of Members at all times, its resources are finite and this may not always be possible. The AA shall not be liable for service failures where the AA is faced with circumstances outside its reasonable control. Events which might constitute circumstances outside the AA’s reasonable control include (but are not limited to) Acts of God, outbreak of hostilities, riot, civil disturbance, acts of terrorism, acts of government or authority (including the refusal or revocation of any licence or consent), fire, subsidence, explosion, flood, snow, fog or other bad weather conditions, vehicle, equipment or systems failures, shortages of fuel or other necessary supplies, failure of telecommunications lines or systems, default of suppliers or sub-contractors, theft, malicious damage, strike, lock out or industrial action of
any kind.

Exclusion of liability for loss of profit etc

16. The AA shall not, in any event, and to the extent permitted by law, have any responsibility for
      (a) any increased costs or expenses; or
      (b) any loss of:
           (i) profit; or
           (ii) business; or
           (iii) contracts; or
           (iv) revenue; or
           (v) anticipated savings; or
      (c) for any special or indirect losses incurred as a result of or in connection with any service, whether resulting from tort (including negligence or breach of statutory duty), from breach of contract or otherwise. For the avoidance of doubt, nothing in this clause or these Terms &
Conditions shall exclude or restrict the AA’s liability for negligence resulting in death or personal injury.

Enforcement of Terms & Conditions

17. Failure to enforce or non-reliance on any of these Terms & Conditions by the AA will not prevent the AA from subsequently relying on or enforcing them.

18. None of the Terms & Conditions, or benefits, of AA Membership Breakdown Cover are enforceable by anyone else other than the Member. For the avoidance of doubt, and without limiting the above, any rights under The Contract (Rights of Third Parties) Act 1999, or any replacement or amendment of such act, are excluded.

Use of headings

19. The headings used in this Policy are for convenience only and shall not affect the interpretation
of its contents.

Interpretation: use of English law & language

20. Your AA Membership and these Terms & Conditions are governed and should be interpreted by the laws of England and Wales. The EEA State, for the purpose of Membership, is the United Kingdom. The Terms & Conditions are written in English and all correspondence entered into shall be in English.

Additional services - Use of agents - Requests for assistance - Emergency nature of breakdown service

Additional services

4. Any additional services made available by the AA which are not described in these Terms & Conditions are provided on a purely discretionary basis and may be withdrawn at any time.

Use of agents

5. Service from dedicated AA Patrols is subject to availability and may be supplemented by use of appropriate agents. The AA will only accept responsibility for the actions of an agent where the agent is acting on the AA’s instruction.

Requests for assistance

6. All requests for assistance must be made to the AA using the contact instructions provided by the AA from time to time. If You contact a garage direct, You will have to settle its bill and the AA will be under no obligation to reimburse You.

Emergency nature of breakdown service

7. AA Patrols are trained and equipped to carry out emergency roadside repairs and are not in a position to comment on the general safety or roadworthiness of a vehicle after a breakdown or an emergency repair. In addition, completion of an emergency repair cannot be taken to signify or in any way guarantee the general roadworthiness of the vehicle concerned.