I agree with your caution... Here is an extract from the other insurers Terms and Conditions where it defines a 'Breakdown':
Breakdown - mechanical or electrical breakdown (failure or breakages), lost ignition keys or damage which is caused by an accident, vandalism, or theft and results in you not being able to drive the vehicle.
There are other sections that also need to be considered but as a basis it is a good start and having spoken with them, and the other big players, they seem very clear and do not appear to be hiding things through ambiguous statements.
Last edited by YahooCom; 28-11-13 at 20:09.
Originally Posted by Rolebama
Can you give an example of such a clause? I can't find one.
I also note that use of the VDRS scheme is entirely at the police officer's discretion. According to Avon & somerset plod: "It might well be that the officer at the time of the vehicle check may decide that it is not appropriate to offer the VDRS. In this case, you could be issued with a Fixed Penalty Notice or receive a Court summons as result of being reported."
That seems to imply that no such "escape" clauses exist.