Terms and Conditions

The parties are SD ASSIST (service provider), and the Member identified on the front. "Member’s Vehicle" means the vehicle whose plate appears on the front; "Coverage Area" the geographic scope in Article 5; "Event" a breakdown/accident triggering cover; "Intervention" any service organised with SD ASSIST's prior approval.

SD ASSIST undertakes to organise, within the limits stated on the front, on-site assistance, towing/recovery, replacement vehicle, accommodation, transport of the Member with family or co-travellers by flight, train, bus or taxi, and vehicle repatriation in the event of breakdown, accident, tyre, battery, key loss/lock-out, fuel shortage/misfuelling or theft. Vehicle repatriation requires the vehicle to have a current market value of at least €15,000.

The policy becomes active 120 hours (5 days) after payment confirmation (standard waiting period). If the Member selects "Immediate Start" for an extra €50, the policy is activated exactly 24 hours after payment. Events occurring during the waiting period are excluded; the duration is stated on the front, cannot be extended without an additional purchase, and covers lapse automatically at term end.

The policy is valid only for the vehicle on the front and is non-transferable. The driver and all passengers up to the seating capacity in the registration are beneficiaries. A vehicle change is possible by written notice and SD ASSIST approval. Vehicles over 3,500 kg are outside cover and cannot be brought into cover by paying an additional premium. Commercial transport and rental-fleet vehicles are considered only with SD ASSIST's written approval and under separate contract terms.

The policy is valid in 35 countries: 25 European Union member states (excluding Malta and the Republic of Cyprus; notably Germany, France, the Netherlands, Belgium, Austria, Italy, Greece, Bulgaria, Romania, Croatia and others), Switzerland and Norway, the Balkan countries outside the European Union (Serbia, North Macedonia, Albania, Bosnia-Herzegovina, Montenegro, Kosovo), all of Turkey (81 provinces) and Northern Cyprus (TRNC). For package-specific differences, the coverage region on the policy front page prevails.

All service requests are made solely via the 24/7 emergency line (+90 216 683 93 52 · +44 203 800 1361 · +44 7441 397124 · +32 2 899 06 94 · +32 470 86 68 36 · help@sdassist.com). Expenses incurred without operator approval (file number) are not reimbursed. The Member must fully provide location, plate, policy number and event details, and meet requests for supporting documents (photos, reports). All calls are recorded for quality and evidence purposes.

The Member must keep the vehicle maintained, inspected and roadworthy, report the event without delay, take reasonable measures to avoid aggravating the loss, and provide accurate and complete declarations. In the event of intent, gross negligence or breach of these obligations, SD ASSIST may refuse the service or recover the amounts paid.

A maximum of 3 interventions is granted during the policy term on 12-month policies; on 1-month and 3-month policies, 1 intervention each is granted. Each cover item is limited to the amount on the front; any excess is borne by the Member. For "Unlimited" covers, the actual and reasonable service cost applies; repeated requests relating to the same event count as one intervention. Unused covers are non-transferable and not convertible to cash.

Excluded: use under alcohol/drugs or without a valid licence; intentional acts; racing, rallying and speed trials; war, terrorism, riot, nuclear/ionising risk; existing/known faults; periodic maintenance, fuel and repair part costs; cargo and commercial goods damage; vehicles over 3,500 kg; and knowingly false declarations. Older vehicles are not excluded: they remain covered subject to the applicable vehicle-age surcharge. Force majeure is governed by Article 14.

The policy price is collected in advance at purchase. For pre-approved expenses, the original invoice and proof of payment must reach help@sdassist.com within 60 days of the event; late submissions are not assessed. Approved refunds are paid within 15 working days to the account notified by the Member; currency conversion uses the ECB rate on the transaction day. The digital policy, receipt and invoice are legally valid without a wet signature.

The Member may exercise the right of withdrawal in writing within 14 calendar days of the conclusion of the agreement, and only before the service period has begun; in that case the amount paid is refunded in full within 14 calendar days of SD ASSIST receiving the withdrawal notice. Once the service period has started, the right of withdrawal lapses and no refund of the payment is made. The Immediate Start fee (€50) is non-refundable. SD ASSIST may unilaterally terminate the agreement in case of false declaration.

Personal data is processed in accordance with the GDPR for contract performance, service coordination, legal obligations and customer relations. Data may be shared with the suppliers, partners and official public and private institutions and organisations required for the service and is never sold to third parties; transfers abroad are made with GDPR Article 49 safeguards. By purchasing the policy, the Member accepts being contacted by SD ASSIST via SMS, WhatsApp, post, e-mail and other communication channels; the Member may opt out of marketing and information messages free of charge at any time (the one-click unsubscribe link in every campaign e-mail, or help@sdassist.com). Transactional messages such as order confirmations, policy delivery and service notifications are not affected by this and continue to be sent. The Member has the rights of access, rectification, erasure and objection. Data controller: SD ASSIST — info@sdassist.com.

SD ASSIST is subrogated to the Member's rights against third parties to the extent of the amounts paid; the Member must facilitate the exercise of those rights. If the same risk is covered by another insurance or assistance, SD ASSIST is liable only in proportion to its contribution. In case of incorrect/incomplete declaration or fraud, amounts paid are recovered by recourse.

SD ASSIST's total liability is limited to the policy price paid and the cover limits on the front. Indirect damages (loss of income/business, moral damages, delay, etc.) are excluded. In cases of force majeure such as natural disaster, war, pandemic, strike, authority decision or infrastructure/communication outage, SD ASSIST is exempt from liability.

Complaints are submitted via help@sdassist.com and answered within 15 working days. The agreement is governed by the law of the place designated by SD ASSIST; the competent courts are those of that place. This does not affect the mandatory consumer rights available to the Member under the law of their country of habitual residence. For purchases made from Türkiye, Law No. 6502 on Consumer Protection and the Distance Contracts Regulation apply, and the Member may apply to the İstanbul Anadolu Consumer Arbitration Committees and Consumer Courts, or to the competent bodies at their place of residence. At renewal, current vehicle and contact details are confirmed and covers do not extend automatically. The invalidity of one provision does not affect the validity of the others.