What’s covered2019-03-11T10:09:29+00:00

Breakdown Cover


What’s Covered

What’s Covered?

Regardless of the breakdown cover level you select you will always benefit from the following cover benefits.


Local Recovery
If you’re more than 1 mile from your home address*

Roadside Assistance
Covering you for up to 6 roadside assistance or recoveries to a nearest suitable garage*

Passengers Covered
We’ll assist up to 4 passengers recovered with the vehicle.


* Cover applies within the Territorial Limits and subject to the cover limits specified in your policy.  Please see the Breakdown Cover Policy Wording for full wording, terms and exclusions.

Our Bronze Breakdown Cover offers all the benefits of the Basic cover with the following additions.


  • National Recovery : If Local Recovery is not possible then we can arrange for recovery to your home or original destination*
  • Excess : If you select Bronze Excess there is a £30.00 claims excess payable before recovery.

* Cover applies within the Territorial Limits and subject to the cover limits specified in your policy.  Please see the Breakdown Cover Policy Wording for full wording, terms and exclusions.

Our Silver Breakdown Cover offers all the benefits of the Basic cover with the following additions.


  • National Recovery : If Local Recovery is not possible then we can arrange for recovery to your home or original destination*
  • Home Assistance : If Local Recovery is not possible then we can arrange for recovery to your home or original destination*
  • Alternative Travel : If you’re more than 50 miles from your home address we may assist with travel costs or hire vehicle charges.*
  • Overnight Accommodation : If alternative travel is not possible or an option then we may assist you source overnight accommodation.
  • Excess : If you select Silver Excess there is a £30.00 claims excess payable before recovery.

* Cover applies within the Territorial Limits and subject to the cover limits specified in your policy.  Please see the Breakdown Cover Policy Wording for full wording, terms and exclusions.

Our Gold Breakdown Cover offers all the benefits of the Basic cover with the following additions.


  • National Recovery : If Local Recovery is not possible then we can arrange for recovery to your home or original destination*
  • Home Assistance : If Local Recovery is not possible then we can arrange for recovery to your home or original destination*
  • Alternative Travel : If you’re more than 50 miles from your home address we may assist with travel costs or hire vehicle charges.*
  • Overnight Accommodation : If alternative travel is not possible or an option then we may assist you source overnight accommodation.
  • European Coverage : Roadside assistance, local recovery and onward travel benefits in Europe up to 31 days per trip
  • Excess : If you select Gold Excess there is a £30.00 claims excess payable before recovery.

* Cover applies within the Territorial Limits and subject to the cover limits specified in your policy.  Please see the Breakdown Cover Policy Wording for full wording, terms and exclusions.

What’s Not Covered?

Below are the main exclusions of the policy however we would advise that you refer to the Breakdown Cover Policy Wording for full wording, terms and exclusions.

  • The repair costs of your vehicle including parts and labour.
  • Breakdowns that occur within the first 72 hours of purchase.
  • Electrical or non-starter issues within the first 30 days.
  • Vehicles over 15 years old (5,475 days) at the time of incident.
  • Any claims within 30 days where proof that the vehicle has been used in that time period cannot be provided.
  • Vehicles not registered with Us.
  • Vehicles over 3.5 tonnes in weight and/ or 5.18 meters long and/or 1.95 meters wide and/or 2.44 meters high.
  • Breakdown caused by a motor accident, theft, vandalism, misfuelling or insufficient fuel in the vehicle.
  • Breakdowns attributed to the wheel where no spare wheel or locking mechanism is left with the vehicle.
  • Repatriation from Europe.
  • Subsequent call outs for the same event unless you can prove repair of the original fault on your vehicle.

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