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Benefits of UK Breakdown Cover
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When We Help
We have four policies with different levels of cover. We’ve put this table together to help explain what the different policies cover, and there is more information below to help you decide.
| Homestart | Roadside Assist | Local Recovery | Medical Transfer | Message Relay | National Recovery | Onward Journey | Theft Cover | Hire Costs | Bed & Breakfast | |
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| National | |
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| UK Complete | |
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Who We Help
You can cover a specific vehicle with Vehicle Cover. This covers the vehicle, the driver (whoever that may be) and up to seven passengers. You can also select Dual Vehicle Cover, which covers up to two vehicles under one policy.
Alternatively you can choose Personal Cover (one named person) or Joint Cover (two named people). With this policy, any vehicle that the named person is driving or travelling within is covered, together with up to seven people travelling in the same vehicle.
Our single cover policies whether personal or vehicle insure up to six call outs during the term of the policy. If you purchase a joint personal or dual vehicle policy you are entitled to a combined maximum of nine call outs. The cover for a joint or dual policy is cheaper.
Where We Help
Our Local policy covers you for breakdowns anywhere in the UK except breakdowns at your home address or within a mile of your home.
If you think you may need assistance at your home address or within a mile from your home as well, you will need to select either Local and Doorstep or our Full UK Policy.
We can cover 41 European Territories for a single trip or under an annual policy. Please see our European Benefits page for full details.
How We Help
All our policies include one hour’s Roadside Assistance to try and get you mobile again. If unfortunately that’s not possible we will transport you and up to seven of your passengers to the nearest repairer (For our Local and Local and Doorstep policies, a repairer within 10 miles of your breakdown).
Our National and our UK Complete polices will take you to the nearest repairer (National excludes breakdown at your home address or within a mile of it). However, if that repairer cannot fix your vehicle by the end of the working day, these policies include National Recovery and Onward Transportation.
We will transport you, your passengers and your vehicle to the policy holder’s address or your original destination. Alternatively, we can deliver your vehicle to a repairer in either of those locations.
Other Ways We Help
All our policies include;
Message Relay
We can make two telephone calls to your friends, family or business associates to inform them of possible delays.
Medical Transfer
If the driver is hospitalised in the course of a journey we can arrange medical transfer, although the policy holder must meet the costs.
Our National and UK Complete policies also include;
Replacement Hire Car / Transport Costs
If necessary, to get you and your passenger’s home or to your original destination, we can arrange and will pay up to £100 towards a hire car for 24 hours or cover the costs of your public transport.
Bed and Breakfast
If you are more than 25 miles from home and the accident happens late at night, the policy can cover the cost of overnight accommodation in a local hotel while repairs are completed.
What Is Not Covered
The First 48 Hours
We sell an insurance policy to protect your vehicle and its occupants against the risks of experiencing an unexpected breakdown. The cost of our policy is far cheaper than paying for a breakdown service if you do suffer a breakdown.
In an effort to prevent people who have already broken down attempting to buy a policy to benefit from the prudence of others, which would then raise premiums for everyone, our policy restricts claims for incidents arising during the first 48 hours of cover (or before) in the first year of cover.
Look After Your Vehicle
No one wants to experience a breakdown, so you should always ensure that your vehicle is properly serviced in accordance with the manufacturer’s guidelines, especially if you are embarking on a long journey. Like most breakdown policies, we cannot cover vehicles which have not been properly serviced.
No Replacement Parts
We do not cover the cost of replacement parts.
Specialist Equipment
The policy does not cover specialist off highway recovery or winching costs (for example, where the vehicle has overturned or is without wheels).
Help & Support
