Frequently Asked Questions

Here you should find answers to the most common questions we receive about the breakdown cover products featured on this website.

Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to call us during normal office hours or contact us by email. We will endeavour to respond to any queries within 24 business hours.

FAQ's
Buying a policy
My Payment details have changed

If your payment details have changed, you will need to provide us with your new card details.  You can do this by clicking the payment link within your email renewal invitation - this will take you to our website where you can submit new payment details.

Alternatively, you can call us on 0330 094 5243 to provide new payment details.  Please note we do not store your card details on our system, only the last four digits, so payment for the renewal will be completed once you have given us these.  

How do I get in touch with CompareBreakdownCover?

If you need to get in touch with us, there's a few ways you can do this:

Chat

During our opening hours you can chat with us by clicking the help button at the bottom of the page and starting a conversation.

Contact Us

When our offices are closed, you can click the help button at the bottom of the page and complete a quick form to send us a message. We'll get back to you, usually within 24 business hours.

You can also get in touch using the form on our contact us page.

Phone

If you need to speak to us, we're available from 08:30 to 17:30 Monday to Friday. Our number is: 0330 094 5243.

Post

You can still send us a lovely letter if you'd like to. Our address is:

CompareBreakdownCover

Bury House,

1-3 Bury Street,

Guildford,

Surrey,

GU2 4AW

How will I receive my policy documents?

Policy documents are sent to your email address within minutes of purchase.

You can print these together with the policy wording or service agreement and take these on your trip if you want to. What's important is to save the emergency number in the event that you need assistance as the provider will identify your policy using your vehicle reg.

I only want cover for a one-way trip

The single-trip cover we sell requires that you start and finish your trip in the UK. 

For Example

If you were driving to Poland from the UK on the 1st of the month, and not driving back until the 14th, you would need one policy covering the 1st to the 14th. You couldn't buy two policies for each journey.

In the event you call for assistance outside of the UK, you will likely be asked for evidence of your outbound and return Channel crossings.

I have a Personal Cover breakdown policy with National Breakdown, I can't see where to add another driver

If you have Personal Cover with our assistance provider, National Breakdown, you will need to contact us directly to amend your policy to include additional drivers.  Please note additional drivers named on your policy must be permanently resident at the home address as stated on your policy.  You, and the additional drivers, will need to show your driving license to confirm your address if requested.

How do I add another car to my cover?

We are unable to add multiple vehicles to our policies however you can purchase Personal Cover through our website.  The assistance provider for this policy is National Breakdown. 

All of our other policies are designed to cover the vehicle, not the purchaser and as a result, you can only cover one car per policy. If you wanted to cover more than one car, you'll need to buy another policy.

However cover will be extended anyone driving the covered car provided they have your permission and the appropriate license and insurance to drive the vehicle you have covered.


Exclusions
Are punctures covered?

Some of our providers offer cover for punctures, please see our Cover Information Table

Do you cover pets travelling in the vehicle?

Unfortunately, none of our providers can guarantee that they will be able to provide transport or recovery for pets, however all will try their best to help. If there are any additional costs or expenses, these will be your responsibility.

How many passengers can I take?

All of our breakdown cover products have a specified limit for the number of passengers they can cover.

This is shown in the Cover Information Table. If you have more passengers than the limit allows, you would not be eligible for cover

Are there any age limits?

Yes, some providers have age restrictions. Please refer to our Cover Information Table for more details.

If I've already left the UK can I buy cover?

No, unfortunately we can only cover trips that originate from the UK (Including Channel Islands) and return to the UK during the period of cover.

My vehicle has broken down, what do I NOT do?

You should not contact any garage or recovery operator directly. This could invalidate your claim.

What is the maximum age of vehicle you can cover?

Age limitations vary depending on the trip length and type of cover. Please refer to our Cover Information Table for more information.

Am I able to purchase Breakdown Cover if I am not a UK resident?

No, only UK residents (and residents of the Channel Islands and the Isle of Mann) are eligible to purchase breakdown cover from this website.


Manage my Policy
What happens at renewal?

Regardless as to whether or not you have kept the Automatic Renewal option, we will always email you at least 28 days in advance of your renewal date advising of your renewal price and what action is required if any.  Details of what the policy covers are outlined within the attached documents we send you by email.

If you have opted for auto-renewal we will renew your policy unless you advise us not to.

If you've decided that you don't want your policy to renew, you can contact us at any time to have this removed from your policy. Send us a message with your policy number and request and we'll do this for you. You'll need to put this in writing rather than call.

If I purchase breakdown cover, are there any administrative fees or charges added?

Yes, we charge a £5.00 administration fee for any changes made to your policy after the 14 day cooling off period.

There are no credit card charges when purchasing your policy through Compare Breakdown Cover.

Can I change my vehicle after I have purchased cover?

Yes, you can change the vehicle you have on cover.

We charge a £5.00 fee for any vehicle changes after the 14 day cooling off period.

Depending on the vehicle, there also may be an additional premium to pay and typically if you replace your existing vehicle with an older one there'll be a cost.

To make this change, please fill out the contact us form on our website

Make sure you include your policy number and the replacement vehicles:

  • Make
  • Model
  • Reg

What's covered?
Do you cover private-hire or taxis?

Some of our providers offer cover for private-hire or taxis, please see our Cover Information Table

I Live in the Channel Islands, can I get cover?

Yes, Some of our providers treat the Channel Islands as part of the UK, so you can get cover with them if your journey starts in the Channel Islands.

Please refer to our Cover Information Table for more details.

If I need to make a claim, is there an excess to pay?

Normally there is no excess amount to pay should you need to make a claim.

However, some aspects of your cover may operate on a pay and reclaim basis, such as overnight accommodation or motorway recovery fees. This means that you will need to pay for the costs and then reclaim them from your assistance provider. If this happens, it's really important that you keep all your receipts.

Please refer to the relevant Documentation for more details.

Will you cover my company car?

Yes, some of our providers will cover company vehicles that are taken abroad for personal use. The company vehicle must be registered in the UK and you must have the necessary permission and insurance to drive the vehicle abroad.

The vehicle must also meet the definition of a vehicle type that would normally be covered. See our Cover Information Table for more information.

Please note we do not cover commercial vehicles that are being used for business purposes whilst travelling overseas. Please check the Cover Information Table for more details.

Do you cover hire cars?

All of our providers cover hire vehicles as long as you have the hirer’s permission and that the vehicle type is one that they would normally cover.

See Cover Information Table for more details. You will need a VE103 'vehicle on hire certificate' to show you’re allowed to use a hire vehicle if you’re driving it abroad.

I don't have a spare wheel

If your vehicle doesn't come with a spare wheel, it will usually either be running on a type of tyre called 'run-flats' or it will come with a tube of sealant which can be used to get you going to the next service station.

If this is the case, we'll still provide assistance. However, if your vehicle was supposed to have a serviceable spare and you don't have it, we will decline cover.

Motorbikes are covered because it's just not practical for us to make you carry a spare around your neck!

I've broken down, what do I do?

You should contact the relevant claims department using the emergency number on either your policy wording or service contract agreement. These numbers are available 24/7 365 days a year and are not the numbers you would call if you wanted to make a change to your policy.

Also, you should be aware that calling the wrong assistance provider may result in you being told you don't have cover as they will not be aware of each-others' customers.

Allianz Global Assistance - 0208 666 9351

Call Assist - 01206 714705

Intana - +44 (0)1444 442 066

National Breakdown - +44 (0)330 320 4552

PEX - +44 (0)330 320 0890

ARL - +44 (0)330 320 0890

Do you cover legal fees if I have an accident?

Some of our providers will provide assistance for legal costs and expenses in recovering uninsured losses up to the amount shown in the Cover Information Table.

Does this policy cover parts my car needs?

None of the policies we sell cover the cost of replacement parts that your vehicle needs.

Some of our providers cover you if the garage are unable to obtain spare parts locally for the cost of getting the parts delivered.

They will arrange to have them delivered to you, subject to availability and import restrictions. Please note you are responsible for the cost of the spare parts themselves and any customs duty payable.

Am I covered before I leave the UK?

All of our providers will cover you on the journey between your home address and your point of international departure from the UK.

In addition, some of our providers include ‘cover before you depart’, meaning that if you purchase in advance of a specified short time period of your planned departure and your vehicle is then stolen and not recovered, or an event occurs which means you cannot use your intended vehicle before you travel, alternative arrangements can be made.

If you purchase within this specified short time period of your planned departure then the ‘cover before you depart’ section will not apply, however you will still be covered on the single journey between your home and point of exit from the UK.

I am going on a single trip, how many days can you provide cover for?

Single trip limits vary between our breakdown cover providers. For full details, please refer to our Cover Information Table

How many days am I covered for with Annual multi-trip cover?

Our annual products will cover your vehicle for 12 months from the commencement (start) date of your policy.

It will also cover you for any number of round trips in that year, provided each trip isn't Longer than the maximum permitted duration offered by your policy. So if your policy covers trips up to 30 days, you can take as many trips in that year as you like, as long as no one trip is more than 30 days long.

This will usually be measured by asking for proof of the departing and returning tickets across the channel.

 For trip duration limits, please refer to our Cover Information Table.

Are there any weight or size limits for my vehicle?

Yes, there will be a restriction on the maximum weight, length, height and width of your vehicle. Please refer to our Cover Information Table for more details.

What countries am I covered in?

You are covered throughout the UK and/or mainland Europe, as defined in your policy or service agreement schedule.

Unless you select Allianz ‘Zone 1 only’, all of our providers offer cover in at least the following countries: Andorra, Austria, Belgium, Bulgaria, Canary Isles, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Some of these territorial limits vary between our providers, and often other countries are covered as well as the above. For full details, check our Cover Information Table

What type of vehicles can I cover?

By entering your vehicle's details in the Instant Quote Engine (see image below), you'll only see the cover providers that will work with your vehicle.

That said, you still need to make sure that your vehicle meets all of the requirements in terms of size (as we can't currently determine this from your reg.).

All of our providers can cover cars up to 3500kg, and some of our providers can also cover motorcycles, motorised caravans and light vans.

Other vehicles may be supported by our providers individually.

Please refer to our Cover Information Table for more details.

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Assistance Providers
Emergency Assist
Emergency 24 Hour Breakdown Number - Emergency Assist

If you have a policy with Emergency Assist and have broken down, please call them on 0330 320 4548. 

You can call this number 24 hours a day, 365 days a year. Please have ready your policy number, your name, the exact location of the vehicle, the nature of the breakdown and your vehicle registration number.


ARL
Emergency 24 Hour Breakdown Number - ARL

To make a claim within the UK, call: 0330 320 0890

To make a claim outside the UK, call: +44 330 320 0890

You can call this number 24 hours a day, 365 days a year. Please have ready your policy number, your name, the exact location of the vehicle, the nature of the breakdown and your vehicle registration number.

Please note: The above numbers are for CLAIMS Only. For anything else, use the contact us form.


PEX Insure
Who are PEX and what cover to they provide?

PEX Insure have provided a customer charter which details how their cover works in a really clear and understandable way.

Click here to view the PEX Customer Charter

I have a PEX policy, what cover does that offer me?

PEX Insure have provided a customer charter which details how their cover works in a really clear and understandable way.

Click here to view the PEX Customer Charter

Where am I covered - PEX

England, Scotland, Northern Ireland and Wales.

PEX have a network of garages across these areas, in the event of a breakdown please call them on 0330 320 0890.  

Emergency 24 Hour Breakdown Number - PEX

From within the UK: 0330 320 0890

You can call this number 24 hours a day, 365 days a year. Please have ready your policy number, your name, the exact location of the vehicle, the nature of the breakdown and your vehicle registration number.

Please note: The above numbers are for CLAIMS Only. For anything else, please use the contact us form.


National Breakdown
Where am I covered - National Breakdown

Customers with a Bronze, Silver or Gold policy are covered in:

  • England
  • Scotland
  • Wales
  • Northern Ireland

If you have a European policy, you are covered for the above places and in addition, the following countries in Europe:

  • Albania
  • Andorra
  • Austria
  • Balearics
  • Belgium
  • Bulgaria
  • Bosnia and Herzegovina
  • Canary Isles
  • Corsica
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Hungary
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Malta
  • Moldova
  • Monaco
  • Montenegro
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Republic of Ireland
  • Romania
  • San Marino
  • Sardinia
  • Slovak Republic
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Turkey (West of Bosperous)
  • Vatican City
Emergency 24 Hour Breakdown Number - National Breakdown

To make a claim within the UK, call: 0330 320 4552

To make a claim outside the UK, call: +44 330 320 4552

You can call this number 24 hours a day, 365 days a year. Please tell us where you are and your policy number.

Please note: The above numbers are for CLAIMS Only. For anything else, please use the contact us form.


Intana
Where am I covered - Intana

Customers with a UK Local and Home Start policy have cover for up to 30 miles from their Home Address (including within a one mile radius of the Home Address). 

For customers with a UK National or UK National and Home Start policy the UK Area comprising Great Britain, Northern Ireland, the Isle of Man and the Channel Islands are covered.  This excludes Territorial and International waters. 

UK Area comprising Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Excluding Territorial and International waters.

Emergency 24 Hour Breakdown Number - Intana

To make a claim within the UK, call: 01444 442 066

To make a claim outside the UK, call: +44 1444 442 067

You can call this number 24 hours a day, 365 days a year. Please have ready your policy number, your name, the exact location of the vehicle, the nature of the breakdown and your vehicle registration number.

Please note: The above numbers are for CLAIMS Only. For anything else, please use the contact us form.


Call Assist
Where am I covered - Call Assist

Customers with a Call Assist Local, National or National Plus policy are covered in:

  • Great Britain
  • Northern Ireland
  • Isle of Man
  • (for residents only) Jersey and Guernsey.  

For customers with the UK and European Plus cover, your policy also covers the following European countries in addition to the above:

  • Albania
  • Andorra
  • Austria
  • Balearics
  • Belarus
  • Belgium
  • Bosnia and Herzegovina
  • Bulgaria
  • Canary Isles
  • Corsica
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Hungary
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Malta
  • Moldova
  • Monaco
  • Montenegro
  • Morocco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Republic of Ireland
  • Romania
  • San Marino
  • Sardinia
  • Serbia
  • Sicily
  • Slovak Republic
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Turkey (West of Bosphorus)
  • Vatican City
Emergency 24 Hour Breakdown Number - Call Assist

For assistance in the UK, call Us on: 01206 714705

For assistance in Europe, call Us on: 00 44 1206 714705

You can call this number 24 hours a day, 365 days a year. Please have ready your policy number, your name, the exact location of the vehicle, the nature of the breakdown and your vehicle registration number.

Please note: The above numbers are for CLAIMS Only. For anything else, please use the contact us form.


Allianz Global Assistance
Where am I covered - Allianz

Customers with a Silver or Gold policy have National recovery and are covered for travel England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

If you have a Platinum policy, the areas of travel include the UK and the following European countries: 

  • Andorra
  • Austria
  • Belgium
  • Bulgaria
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Hungary
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Republic of Ireland
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Vatican City

For customers with a Zone 1 policy, Belgium, France, Luxembourg, Netherlands and Republic of Ireland are covered within this policy.  

Emergency 24 Hour Breakdown Number - Allianz

From within the UK: 020 8666 9351 

From outside the UK: +4420 8666 9351

You can call this number 24 hours a day, 365 days a year. Please tell us where you are and your policy number.

Please note: The above numbers are for CLAIMS Only. For anything else, please use the contact us form.