Breakdown insurance
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BEDFORD Commercial Cover, an exclusive mechanical breakdown insurance scheme covering both new and used vehicles, has been introduced by Bedford van and lorry dealers.
Administered by Car Care Plan and under-written by Lloyds of London, the new cover offers protection against repair costs and towing-in charges, and provision for a replacement vehicle to avoid loss of earnings.
There are four types of policy available: for new Bedfords up to 35cwt, to take effect on the expiry of the manufacturer's warranty; for used vans of any make up to five years old or 60,000 miles at the time of sale; for new Bedford TK, TL and TM lorries; and for used trucks of any make up to four years old or 200,000 miles. Both van policies offer the option of 12 or 24 months' cover.
Repair cost cover for 35wt Bedfords and used vans includes failure of principal components of the engine, cooling systems, manual or automatic transmission, propeller shaft, drive shafts, differential and electrics; parts and labour charges are covered, up to £350 for each claim with a maximum during the insurance period equal to the price paid for the vehicle.
The maximum liability for replacement vehicle hire is £10 per day for up to three days, and for towing-in charges £30 per claim. Policies are renewable annually, so long as the total mileage does not exceed 60,000.
New Bedford lorries and used vehicles of any make are covered against the parts and labour costs of major component failure of the engine, manual or automatic gearbox and rear axles, and of consequential damages to casings.
The maximum liability is 10 per cent of the vehicle purchase price for each claim, with a limit of 25 per cent during the period of insurance.
Vehicle replacement is covered up to £50 per day and £500 during the period of insurance. Towing-in charges are insured up to £100 per claim, with an aggregate of £250 during the period.
All four policies include continental use for up to 60 days.