Breakdown Excess
Reduce your premium with the addition of excess
Our National and Home Policy is 5 Star Defaqto Rated
From
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.
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 moreVehicles 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.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.
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.
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.
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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Customer Services number: 0208 626 9454
Emergency call out number: 01945 425307
Email: admin@covermy.co.uk