Personal Breakdown Cover

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Personal Breakdown Cover from CBC

What is Personal Breakdown Cover?

Personal breakdown cover is as simple as it sounds. Instead of your vehicle being insured, you are; which means you’re covered in any vehicle you drive.

This means you have loads of flexibility when it comes to cover options including family cover and cover as a passenger.

Whilst the average cost of a personal breakdown cover policy is usually higher than a regular vehicle breakdown policy, our customers often find that the increased peace-of-mind and the better benefits of personal cover greatly outweigh the slightly higher annual price.

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What Are the Benefits of Personal Breakdown Cover?

There are a few extra benefits unique to personal breakdown cover that everyone should be aware of before they decide what policy to buy. We’ve outlined the main ones below:

Family Cover

Personal breakdown cover isn’t just about you, you can add up to 3 more people to your policy, which means you could get cover for your whole family.

No matter how many cars you have for your household, with family cover you can make sure everyone’s covered in whichever car they drive.

Passenger Cover

Most of our personal breakdown cover options offer this great benefit. If you’re a passenger in your own car, or someone else’s and you break down, you’ll still be covered. This is a massive help in those scenarios when it would be otherwise completely out of your hands.

So even when you’re not in control of the vehicle, you can remain in control of the situation and rest assured that you have breakdown cover, even if the driver doesn’t. Pretty great, right?

Cover Available for Any Car or Motorbike up to 15 years old

To try and give you as much flexibility as possible, we have options that allow you to be covered in any car or motorbike as long as it’s 15 years old or younger. So dust off your ageing, forgotten sports car in the garage, and take it for a spin, safe in the knowledge that if something were to go wrong, you’ll be covered.

This policy benefit is most helpful for people who own more than one vehicle, as it’s so much easier to just have one breakdown policy that covers yourself, rather than several for each vehicle. So if you own multiple cars or motorbikes then personal breakdown cover is most likely right for you.

European Personal Breakdown Cover

If you’re off on your travels, then you can benefit from European personal breakdown cover with protection for trips up to 45 days in length, giving you the freedom to take your time and enjoy your trip away.

We’ve outlined the countries you’ll be covered in below (if you choose our East and West Europe cover):

Andorra, Austria, Albania, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, The Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Montenegro, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Spain, Slovak Republic, Slovenia, Sweden, Switzerland and the UK

Surprisingly Affordable Cover

Some people think that personal breakdown cover is expensive, but with such competitive prices, you'll be amazed at how affordable it can be – especially if you add a family member to your policy.

Personal breakdown cover is fast becoming a more popular type of policy for many of our customers, so why not take a look and see if it’s the right breakdown cover for you too.

Do make sure you read through the respective policy wording before purchasing, as there are some restrictions to who exactly you’re able to add to your cover.

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Cover Information

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Insurance Policy Document


View our breakdown cover documentation.

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Breakdown Cover Guide

A guide to help you choose breakdown cover.


Vehicle Breakdown Cover vs Personal Breakdown Cover

Personal Breakdown Cover

We’re often asked which cover is right for our customers, and the truth is it depends on your circumstances. If you usually only ever drive one vehicle then personal cover may not be the right policy type for you.

Likewise, if you don’t have dependents or a partner who may benefit from being added to your policy, then a simple annual vehicle cover will suit you better than personal cover.

If you’d like to find out more about our general breakdown cover then head to our homepage for all the info.

Do make sure you read through the respective policy wording before purchasing.

Terms and Conditions - when you use the exclusive voucher code CBCP20 for 10% off your purchase of breakdown cover

Get a 10% discount when you use the exclusive promotional code of 'CBCP20' before 31st December 2022.

  1. The promotion will run until 31st December 2022 23:59 GMT.
  2. This promotion is not available in conjunction with any other promotion or offer.
  3. You may share this promotion with friends and family.
  4. The promotional code entitles the user of the promotional code to a discount of 10% against our UK, European or UK & European Breakdown Cover and no other purchases.
  5. For users of cashback sites, such as and, customers will not be entitled to cashback on such sites if this promotional code is used.
  6. The promotional code must be applied at the point of purchase and may not be retrospectively applied.
  7. We reserve the right to withdraw this promotion at any time.