Breakdown Excess

Reduce your premium with the addition of excess

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Our National and Home Policy is 5 Star Defaqto Rated

From
£15.83

Breakdown Excess

You can choose to select to pay an excess on your policy in order to reduce the amount of premium you pay when buying your breakdown cover.

We believe offering our customer’s flexibility in being able to tailor their breakdown cover is important. Not all our customers are the same and require something a little different. So our range of breakdown cover can be built to suit each individual’s requirements.

By allowing you to apply an excess to your cover we can give you a reduced premium. This will mean every time you make a claim you will be required to pay a fee of £30 towards the cost of the claim. Normally this is the first £30 towards any claim during your breakdown cover.

What is Insurance Excess?

Insurance excess is the amount you have to pay towards the overall cost of an insurance claim. It’s usually a pre-agreed amount. Your insurer will then contribute the rest – up to the limit of the cover. You’ll see insurance excess on most insurance products like travel, motor, pet etc.

For example. Claim = £500. Your excess is £50, the insurer will pay £450

Note: Did you know that increasing your excess could save you money? The more you offer to pay towards a claim, the cheaper your overall premium will be.

Types of breakdown cover

Vehicle Breakdown Cover

Cover one or more vehicles with any driver

You can register up to four vehicles. As long as they are all used for private use. So, if your vehicle breaks down, we’ll come to the rescue no matter who is driving it.

Read more

Personal Breakdown Cover

Cover up to 4 people in any vehicle

So whatever vehicle the insured individuals are traveling in or driving, we’ll come to the rescue if something goes wrong, whether you’re the driver or a passenger.

Read more

Vehicles our breakdown covers

Cars

​Max Weight (gross): 3.5 tonnes Max Length: 5.5 metres (18 feet) Max Width: 2.3 metres (7.5 feet)

We don’t cover commercial usage (including, but not limited to courier services, driving tuition and use for hire or reward). See our policy wording for full definitions.​

Find out more

Motorbikes

​Max Weight (gross): 3.5 tonnes Max Length: 5.5 metres (18 feet) Max Width: 2.3 metres (7.5 feet)

We don’t cover commercial usage (including, but not limited to courier services, driving tuition and use for hire or reward). See our policy wording for full definitions.

Find out more

Caravans and Trailers

Max Weight (gross) 3.5 tonnes

Max Length 7.0 metres (23 feet) excluding draw bar and coupling

Max Width 2.44 metres (8 feet)

If your vehicle breaks down while towing a caravan or trailer, we will also arrange for your caravan or trailer to be recovered to the same location as your vehicle.

Find out more

Vans

​Max Weight (gross): 3.5 tonnes Max Length: 5.5 metres (18 feet) Max Width: 2.3 metres (7.5 feet)

We don’t cover commercial usage (including, but not limited to courier services, driving tuition and use for hire or reward). See our policy wording for full definitions.

Find out more

Trusted service with support you can rely on

Any vehicle or driver covered

We’ll cover your vehicle, no matter who’s driving it. Or we’ll cover you, so no matter which vehicle you’re driving, you know you won’t be left stranded if you break down.

Keeping you safe, day or night

A network of skilled mechanics on-call 24/7, to make sure you’re kept safe when it matters most. We’ll even let your family or colleagues know you’re ok if you can’t contact them.

We’ll get you moving again

We’ll make sure your journey continues with alternative transport, such as a hire car, so you and your passengers make it to your destination.

Save yourself unforeseen costs

No call-out charges and a 24 hour UK based breakdown call centre for if you find yourself stranded.

Our other extras

Motor Legal Protection

We’ll provide cover for legal costs when you’ve had a road traffic accident involving your car and you’re not to blame.

Home Cover

Assistance on your driveway if there’s something wrong with your vehicle, or if you break down within one mile from home

Key Cover

Make sure your car keys are covered in case they’re lost, stolen – or accidentally locked inside your vehicle.

Breakdown Cover Comparison table

Local Cover

from
£ 18
86
Annual
  • Roadside assistance
  • Local recovery
  • Misfuel
  • Home Cover (optional)
  • Excess (optional)
  • Trailer & caravan

National Cover

from
£ 15
83
Annual
  • Roadside assistance
  • Local recovery
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Misfuel
  • Home Cover (optional)
  • Excess (optional)
  • Trailer & caravan

National & Home

from
£ 15
97
Annual
  • Roadside assistance
  • Local recovery
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Misfuel
  • Home Cover
  • Excess (optional)
  • Trailer & caravan
Popular

European Cover

Single trip from £18.20
£ 55
78
Annual
  • Roadside assistance
  • Local recovery
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Misfuel
  • Home Cover
  • European cover
  • Excess (optional)
  • Trailer & caravan

What our customers are saying

Frequently Asked Questions

What is Vehicle Breakdown Cover?

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Cover My Helphub

Customer Services number: 0208 626 9454

Emergency call out number: 01945 425307

Email: admin@covermy.co.uk

Cover My Breakdown Policy Wording

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