Car Breakdown Cover

Personal breakdown cover is designed to protect you rather than a specific vehicle. Whether you’re driving or a passenger, you’re covered in any car, provided you have the owner’s permission and appropriate insurance.

While it’s often pricier than vehicle-specific cover, it offers flexibility and peace of mind. You can also extend the policy to include other members of your household, ensuring they’re protected too.

This type of cover is ideal for those who frequently travel in different vehicles. Whether you use a separate car for work, participate in a car share scheme, or simply drive multiple cars, personal breakdown cover ensures you’re never stranded, no matter which car you’re in.

Vehicle breakdown cover provides protection for a specific car, regardless of who’s driving at the time of the breakdown—as long as the driver is properly insured.

This type of policy is a great option if multiple members of your household share the same car, offering convenient and comprehensive coverage for everyone who uses it.

For households with multiple vehicles, many providers offer the option to bundle them under a single policy. If you, your partner, and your children each have your own car, this could be a cost-effective and practical solution to ensure all your vehicles are covered.

If your policy includes ‘Home Assistance’ as a benefit, our Recovery Agent will attend to 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 £15.99 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.

Please be aware that many of our policies automatically renew each year. This means that unless you opt-out, your policy will renew on the renewal date (12 months from when you purchased the policy). If you do not want your policy to automatically renew, you can opt-out at any time. Simply log into your account and amend your renewal preferences. Alternatively, you can call us on 0300 22 32 897. We cannot accept opt-outs via email so make sure to change this online or contact us via the chat bot or call us on the number provided.