European Breakdown Cover is designed for use outside the UK but within Europe, and sometimes beyond. This cover is similar to the UK cover available from our providers; and may be purchased either as a stand-alone policy or as an additional upgrade to one of our UK policies.
If purchased as a stand-alone policy, some providers may include a limited UK cover if it is purchased more than 7 days in advance of travel. This normally covers you if the vehicle breaks down within 7 days of your trip date or on the journey from your home address to the point of exit from the UK. It usually provides the basic level of UK roadside assistance, although it may also offer a hire car if your vehicle is not able to be repaired by the trip start date, to enable you to continue your journey as planned.
Alongside the roadside assistance provided by European breakdown cover, you will have several new breakdown cover features which are different to standard UK breakdown cover.
Repatriation plays an important role in European breakdown cover, as if your vehicle is not able to be repaired by the time you are due to make you're homewards trip then your breakdown cover provider should be able to arrange for your vehicle to be transported back to your home address for you at a later date. Sometimes, depending on the distance, you might be able to claim back the cost of public transport back out to your vehicle once repairs are complete; so that you may drive the vehicle back home to the UK yourself. If your main driver is taken ill and no other passengers are eligible to drive the vehicle, a chauffeur can sometimes be provided to help you get back home.
Similar to UK cover, if the vehicle cannot be repaired at the roadside, then the recovery agent will normally have the vehicle towed to a local garage for repairs. There is often provision in European breakdown cover for onwards travel, overnight accommodation, or a hire vehicle, if your vehicle cannot be repaired within a certain time frame. This will work in a similar way to the UK cover, on a pay and reclaim basis. Make sure you check through your documentation for any restrictions to the hire vehicle clause, as you will usually be using local hire car companies there may be restrictions on driver’s ages, license types, or other limitations that may apply.
If your vehicle needs repairs, the costs of spare parts are usually not included in the policy, make sure you read through the Documentation for full details before you travel. One handy point though is that European breakdown policies sometimes do include free delivery of the spare parts if the parts are not available locally. So, although you may have to pay for the part itself, at least you don’t have to worry about how it gets to you.