Motor Breakdown Cover

FAQS

What is breakdown cover?

Break down cover provides you with roadside help in the case of a break down, meaning that a professional will be on hand to fix your issue and get you back driving again as soon as possible. If they can't fix your car, it will be towed to a nearby garage.

Having a comprehensive cover is highly recommended. It will allow you to relax, in the knowledge that experts will be out to help you no matter where or when you break down.

What are the different types of features we cover?

Depending on your requirements, there are five main features worth considering:

Roadside assistance: covers call outs if you have a breakdown mid-journey. If a fix at the roadside isn't possible, your car will typically be towed to the nearest garage.

At home recovery: also called 'home start', this gives you break down recovery if you encounter problems at home or very close by (usually between a quarter of a mile and a mile from your home).

National recovery: With this level of cover, in addition to roadside assistance, you'll be towed to any location across the country.

Onward journey: This breakdown policy helps you to carry on your journey and reach your final destination if your car can't be fixed at the roadside. This could mean providing a courtesy car, hotel accommodation, or public transportation.

European recovery: This provides cover if you're on holiday in the EU and need European cover.

What’s covered by a breakdown policy?

Vehicle breakdown cover provides you with peace of mind, with the knowledge that experts are on hand to help you with speedy call outs if you encounter issues while on the road, and to offer premium car care.

Depending on your chosen cover, it can also insure you for breakdowns at home (home start car insurance).

All breakdown cover provides an emergency helpline and breakdown service assistance, all day, every day of the year.

Does breakdown insurance cover me or my vehicle?

Insurance, which is often included in the cost of car finance payments, can cover either a person or a vehicle.

Personal cover insures you in any vehicle that meets policy requirements and allows you to claim whether you're the driver or passenger. This can also be extended to others who live at your home address- this can normally be applied to a maximum of four people.

Vehicle cover is applied to one car, van, or bike. It can also cover up to a limit of four vehicles registered at your address.

What extras can I add to my breakdown cover?

There are several optional extras that you may be able to add to your break down policy. These vary depending on your breakdown cover provider, and will usually need to be arranged separately. The content of these includes:

Tyre replacement insurance: for if you get a puncture.

Battery replacement: insures the price of a new battery if yours goes flat.

Key replacement: Though some standard breakdown plans will already cover you if your keys are lost, damaged or stolen, some may require this as an add-on.

Special vehicles: You may need a particular policy if you're intending to drive with a trailer or caravan attached to your vehicle.

Family and multi-car breakdown cover: This ensures multiple drivers at the same address.

How do I make a claim on my insurance?

Claims are made over the phone by calling the number on your terms and conditions. We have a dedicated team ready to help you when you break down, a team covering breakdowns within the UK and a team claims within European territorial limits outside of the UK – check your terms and conditions for the correct number based on your cover level.