Family Breakdown Cover
Protect your loved ones when you can’t
Our National and Home Policy is 5 Star Defaqto Rated
From
What is Family Breakdown Cover?
With our Family Breakdown Cover, we insure up to 4 individuals in your family. We can keep your family safe, no matter what vehicle they are travelling in. We allow up to four people to be covered, so you can make sure your family is protected whether they are the driver or passenger.
Everyone named on the Family Breakdown Cover policy will be covered in any vehicle whether the driver or passenger. You don’t have to be in the same vehicle or travelling together. So, if you’re driving your partner’s vehicle or just getting a lift from a friend, you’re covered if anything goes wrong.
At CoverMy we want to make sure you never have to drive again without knowing we will help should the unexpected happen. You have someone that believes what is important to you is also important to us as well.
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.
What we cover
- Local Cover
- Home Cover
- National Cover
- European Cover
- Onward Travel
- Emergency Overnight Accomodation
- Trailer & caravan
- Any vehicle or driver covered
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.
A flexible range of breakdown cover options
UK Breakdown Cover
We’ll cover an individual whatever the vehicle they’re driving – or alternatively cover the vehicle no matter who’s driving it.
European Breakdown Cover
If your vehicle has broken down during a trip within Europe, we will instruct a recovery operator to attend the scene of the breakdown.
Motorbike Breakdown Cover
Cover your motorbike, no matter who’s riding it. We help keep you moving on your precious two wheels.
Family Breakdown Cover
We can make sure your family is safe, with our personal cover for you and up to three people living in your household.
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
Our breakdown extras
Excess
Include a voluntary Excess to reduce your premium
Home Cover
Cover if you vehicle breaks down at your home address
Key Cover
Make sure your car keys are covered in case they’re lost, stolen – or accidentally locked inside your vehicle.
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.
Never get lost again
With the what3words app, it’s easy to find, share and save precise locations.
We now use what3words to track your location
What our customers are saying
We allow up to four people to be covered, so you can make sure your family is protected whether they are the driver or passenger no matter what vehicle they are travelling in.
Yes, you can choose to pay for personal breakdown cover on a monthly basis. There is also the option to pay an annual membership, if you prefer.
Unfortunately you are not covered in the event of accident, fire, flood, theft or act of vandalism. You’ll need to contact your motor insurer to assist with recover and repair in this event.
If this is included in your cover then If the breakdown occurrs more than 25 miles from your home, we will reimburse you the cost of one night’s hotel accommodation, excluding all food and drink, for the driver and up to 4 passengers. This is limited to a maximum of £40 per person or £200 for all persons.
If you take out personal breakdown cover, each named member included in family cover is covered on any vehicle they drive or travelling in.
You are permitted to make an unlimited number of claims during the term of you cover, apart from misfuelling which is limited to two per cover term. The maximum payable for any claim from any one Breakdown, including any reimbursement costs, is £1500.00, or the current market value of the vehicle, whichever is lower.
You can cancel your policy within the first 14 days of the policy inception date, or upon receipt of your terms and conditions, whichever happens later. Unless you have made a claim during this period we shall refund your premium in full less a £10.00 administration charge.
We do not cover locking within the insured vehicle, loss of, damage to or the failure to operate of any key or device used to secure or gain access to the vehicle which enables your vehicle to be started and driven.
We can cover this with the includion of Key Cover which is an additional purchase.
On motorways always use the Emergency telephones as these pinpoint Your exact location. The Police may arrange for Your recovery from the motorway. In this case contact Us when You reach an ordinary phone or use a mobile. We will assist you from the location where the authorised recovery services have taken you to.
“If the local Police call for a recovery vehicle to tow You from the motorway, and You are asked to pay on the spot
for this service, You should send Us the original receipt.”
Customer Services number: 0208 626 9454
Emergency call out number: 01945 425307
Email: admin@covermy.co.uk