What Is Breakdown Cover & Why Take Out A Policy With Dynamo?

Breakdown cover is an insurance product that provides you with complete peace of mind in case your car or van breaks down. It’s often referred to as breakdown and recovery and it can cover a lot more than just cars and vans. For example, at Dynamo, our breakdown cover will assist cars, vans, LGV’s, private hire, taxis, motorbikes and scooters as well as trailers and caravans. Types of car related issues that breakdown cover can be used for can include a punctured tyre, flat battery and many other more severe faults. However, if your car can’t be repaired on the roadside, breakdown cover will tow you to your home or a garage where your vehicle can be repaired.

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We Offer A Range of Breakdown Policies

Depending upon your requirements, Dynamo offers multiple breakdown cover polices to best suit your needs. For example, you are able to get personal breakdown cover that covers you as a person or vehicle cover that applies to a specific car.

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Multi-Vehicle Discount

At Dynamo, we’re all about user loyalty. Therefore, if you have more than one vehicle, you can take out a multi-car breakdown cover policy to save more money and ensure that all your cars are covered.

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24/7 Protection, 365 Days a year

All of our breakdown cover policies protect our users on the road 24/7, 365 days a year. With our around-the-clock breakdown cover, you’re protected whenever and wherever you are.

Our ‘RescueMe’ App – Coming Soon

We're currently in the process of designing and developing our very own "RescueMe" app, where we will be able to locate your exact position and call roadside assistance straightaway.

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Our target response time is 40 minutes

If you've broken down, you'll want assistance as soon as possible. Therefore, at Dynamo, our breakdown cover utilises our network of recovery agents to provide a target time of 40 minutes.

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European Breakdown Cover

Our breakdown cover not only covers you throughout the UK but also Europe. Therefore, if you have any big road trips planned in Europe, you have the peace of mind that you are covered (read the policy document for further details).

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Our Breakdown and Roadside Policies* include:

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Alternative Travel Cover

If your car can't be repaired at the roadside, our breakdown cover provides alternate transport or car hire for you to complete your journey.

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Emergency Overnight Accommodation

If its not possible for you to carry on your journey, our breakdown cover provides emergency overnight accommodation for you and up to 6 passengers.

Did you know, Dynamo Cover also offers the below Insurance Products?

Gadget Insurance - Dynamo Cover

Gadget Cover

Protecting your gadgets whether at home or not.

Get Gadget Cover
Home Emergency Cover | Dynamo Cover

Home Emergency & Boiler Cover

24/7 Emergency Cover for your Home and Boiler.

Get Home Emergency Cover
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UK & European Breakdown Cover

We are also a leading UK provider of Breakdown Insurance.

Get Breakdown Cover

What Now?

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Read Our Reviews

Browse thousands of reviews from our users. We value and appreciate feedback as it helps us to deliver a great user service.

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Read our Policy Wording – Breakdown Insurance

Please take the time to familiarise yourself with our Policy Wording Document. Here you will find information relating to your insurance policy.

Our Breakdown Cover policy wording

We Rescue All Types of Vehicles

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Motorbikes and Scooters

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Cars and 4x4s

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Vans and LGVs

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Private Hire and Taxis

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New!

Add our NEW Trailer and Caravan Cover

You will be liable for the full cost of private recovery. Depending on the distance and the time of the incident this could cost over £300! This is why you should get breakdown cover before an incident occurs!

If your car is already broken, you will not be able to buy insurance. If you buy breakdown insurance when your car is already broken down and try to claim, you will break the law and could end up with a criminal record and up to 6 months in prison (No-really! it’s very serious!)

If your policy includes ‘Home Assistance’ as a benefit, our Recovery Agent will attend your home address and attempt to fix your vehicle there, if this is not possible you may have the option to be taken to the nearest suitable garage.

You have the right to cancel this policy within 14 days of the date you purchased the policy or when you received the policy documents if this is later. This is known as your cooling off period. You do not need to provide a reason for cancellation, and we will provide a full refund of any premium paid less a £15.99 cancellation fee unless you have made a claim or there has been an incident likely to result in a claim. If you wish to cancel the policy after 14 days from the original date you first purchased the policy, we will provide a refund, less a proportionate charge for any cover already provided, unless a claim has been made or there has been an incident likely to result in a claim. This will be based on the number of months remaining until the expiry date, less a £9.99 cancellation fee. Where a claim has occurred or there has been an incident likely to result in a claim no refund of premium will be provided. This applies to new users only, and not renewal users.

You can transfer your Breakdown policy to another vehicle once the mid-term adjustment (MTA) fee of £15.99 has been paid and providing the new vehicle is the same age or younger than the existing one.

Yes, providing it is however we do not cover: Minibuses, motorhomes, horseboxes, or limousines, vehicles exceeding 3,500 kg (3.5 tonnes) gross vehicle weight.

What Our Users Say

95%

Of users rate our service as Good or Excellent.

90%

Of people could save by choosing to insure with us.

96%

Of users would recommend us to a friend.

Internal Customer Service Charter 2020-2021

I joined DYNAMO this morning 27-08-21 as my previous breakdown cover supplier decided to cheat me on monthly payments and made it impossible to contact them easily. I then decided to try the DYNAMO policy/web site and found it very easy to navigate and ...

Dennis Grant

Had breakdown cover with dynamo for a couple of years. Never broke down once. Not one problem. Although, nice to have peace of mind. Dynamo did sort out a renewal error.(good stuff.)Would definitely use again when I purchase another vehicle.

Edward Watkins

Had a puncture whilst on holiday in Cornwall – the tyre company arrived within the hour. very quick and efficient service!

Deborah Hodges

Very good value my rating based on the quote been offered for car breakdown but not used the service, therefore, can not rate yet and hopefully never need them though 😉

Mr. Hallow

Hi, 
This is my 2nd year with Dynamo breakdown cover, only had to use once so far when my car broke down, arrived 15mins later, and on my way within 10mins. Uk Recovery plus cheapest I’ve ever had, with a great service. 

Dawn