UK Breakdown Cover
This cover, predictably offers National Breakdown assistance across mainland UK. This can either consist of local or national recovery and can include benefits such a roadside assistance, onwards travel and home start.
European Breakdown Cover
This is what you’ll need for cover right across the ECC and is split into two further categories:
Single Trip European Cover
If you’re planning a one-off road trip through Europe then this is the cover you'll need. It's a very popular policy type and perfect for those two week summer holidays abroad.
Annual European Cover
If your travel abroad more often, or don't want the hassle of purchasing new cover each year, this cover type can be more cost-effective in the long run and means you won't be without cover for the year.
Personal Breakdown Cover
Most breakdown cover only applies to the vehicle you designate at purchase. Personal breakdown cover offers you protection no matter what car you drive.
Specialist Breakdown cover
We offer a wide variety of breakdown cover options away from cars. These include vans, minibuses, taxis and commercial fleets.
Which Breakdown Cover is Right for Me?
It can be difficult, with so many options, to know which policy is right for your circumstance. But the most important thing to think about is: What exactly do you want from a policy and what is your budget?
Make sure you choose the policy that makes you feel most comfortable and safe whilst driving, especially over long distances – but don’t over-insure yourself, visualise your budget and stick to it.
Not everyone needs misfuelling cover for example or they may think European cover isn’t necessary for their needs, so look through all the options and try to choose the cover that fits around your usual driving requirements.
If you need help, head to our FAQs above for all the answers you could possibly need about our breakdown cover.
What's Included in Breakdown Cover?
Here’s where we get into the glorious detail of insurance – so we’ll try and keep this as exciting as possible for you:
This is the bedrock of a good breakdown cover policy. Should you breakdown and require assistance with any of our policies, a recovery agent will often first attempt to fix the problem at the roadside and get you on your way as swiftly as possible.
This is another staple of breakdown cover. If your vehicle can’t be fixed by the roadside, then it’s likely that your recovery agent will tow your vehicle to the nearest garage of your choice, or anywhere nationally – depending on your policy type, where it can be fixed.
If you still need to complete your journey, and your car has been taken to be repaired, all of our policies offer Onward Travel, where your assistance provider will make sure you complete your journey via alternative means of transportation.
If you have a really bad start (or end) to your journey and breakdown at or within 1 mile of your house, Home Start means that you can still get assistance from your breakdown recovery agent. It’s important to remember that not all policies include Home Start – so you’ll want to check before you buy, in case this is something you definitely want.
All of our breakdown policies offer puncture cover as standard. If you’re not into getting on your hands and knees and changing tyres yourself then you’ll be delighted to know that you won’t have to pay a penny extra to have this cover.
Flat Battery Cover
One of the most common causes of breakdown in the UK is the humble flat battery. It can completely catch people off-guard and if you don’t have jump cables and a friendly passer-by to help you then you could be in real trouble. All of our policies cover flat batteries as standard, so it’s one less thing to worry about when it comes to breakdowns!
This can happen to the best of us. I think nearly everyone has a least almost done this at a petrol station and idly grabbed the wrong pump and just started filling. It happens in an instant and can be an absolute nightmare to sort out without help. Not surprisingly, misfuelling your car is most likely to happen when you’ve just gotten a new one. Getting assistance will massively reduce the stress that this can cause, and you’ll be able to have your car professionally emptied so you don’t do any further damage to your engine.
What About Excess?
This is a question that crops up a surprising amount – and it affects nearly all insurance policies, not just breakdown cover. Excess is the amount of money you’ll be required to pay should you need to make a claim. On most of our policies this is zero, but we do sell a few policies that have minimal excess costs should you breakdown. It’s really important you check the policy you’re about to purchase carefully so that you know what your excess is.
Can I add extras to my breakdown cover?
Because we use assistance partners, rather than providing the cover ourselves, your policy benefits are fixed when you purchase. However, because we work with some many different partners, you’ll have a wide variety of cover levels to choose from before you buy.
It’s really important that when you purchase you’ve made sure your policy includes everything you need as you won’t be able to change your cover levels once you’ve bought.
What do I do if I breakdown?
When you purchase a policy from us, we’ll send you an email which will have the phone number you’ll need to use if and when you breakdown. We’d definitely recommend popping this number in your phone so that if the moment comes, you can find it nice and quickly.
Once you phone the number, you’ll get put through to your assistance provider, you can tell them what happened and they’ll let you know what they’ll do to help.
You can also head to our claims page to find all our assistance partners’ claim numbers for when you breakdown – just make sure you know which provider is yours.