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Breakdown

Misfuel includes assistance in the event of a misfuelling incident.

What is covered

If Your Vehicle is accidentally Misfuelled, We will pay on a Reimbursement basis for the:
1. Draining of tank up to a maximum cost of £250.

2. 10 litres, or £20.00 (whichever is lower), of the correct fuel type to be replenish the fuel tank.

To arrange a reimbursement of costs incurred within this section of the policy, please send anemail with a copy of the invoice from attending agent to support@emergencyassitedltd.co.uk

If You have selected the £30 excess on Your Policy, this will not apply to a Misfuel claimincluding any roadside assistance or local recovery required as part of a misfuel claim.

What is not covered

1. Fuel, other than the 10 litres of correct fuel to replenish the fuel tank after draining and flushing outthe contaminated
fuel.

2. Any misfuelling which occurs outside the UK.

3. Any claim resulting from foreign matter entering the fuel system except for the intended fuel type.

4. The cost of onward transportation, hiring an alternative Vehicle or overnight accommodation in the event of mechanical or component damage.

5. Any defect which is deemed NOT to be a direct result of misfuelling or a defect which existedbefore the incident of misfuelling.

6. Any reimbursement greater than £250 or the cost of services provided, whichever is lower.

Category: Breakdown
Tags: FAQ, Misfuel

The following exclusions apply to all sections of Your Policy;

1. Any Claim made within the Inception Period.

2. If the Insured Vehicle is not in a Roadworthy Condition at the time of Breakdown.

3. Any Claim for broken glass.

4. Any Claim resulting from the Insured Vehicle’s lights, radio, chargers or any third party electronic devices being left on unintentionally, or otherwise, by anyone.

5. Any Insured Vehicle that is being used, or has been modified for use, in motor racing, rallies, speed or endurance events.

6. Any Insured Vehicle which requires specialist repairs as a result of modification of any kind unless previously agreed by Us.

7. Any liability or consequential loss being placed, or charged, upon Us or the Insurer as a result of assistance being provided by a Recovery Operator.
8. Any Claim where this Policy is being used by the Policyholder or any other driver of the Insured Vehicle to avoid the cost of repairing or recovering the Insured Vehicle.

9. Any Insured Vehicle which is already at a garage or other place of repair.

10. Any Insured Vehicle which does not have a current, valid, MOT (where applicable) and/or is not taxed.

11. Any Claim relating to a Caravan or Trailer which Breaks Down. If Your Insured Vehicle Breaks Down whilst towing a Caravan or Trailer, We will also arrange for Your Caravan or Trailer be recovered to the same location as Your Insured Vehicle.

12. Recovery of Your Insured Vehicle to more than one destination including a second recovery or attendance by a Recovery Operator as the original destination was not able to accept Your Insured Vehicle for any reason.

13. A garage or other place of repair undertaking work on Your Insured Vehicle will be acting as an agent on Your behalf and as such We bear no responsibility or liability for any advice, work or action undertaken, or given, by them.

14. Any charges incurred by You prior to notification of Breakdown to Us.

15. Any campervan or motorhome.

16. Where We can evidence that this Policy is being used by the Policyholder or any other driver of the Insured Vehicle to avoid the cost of repairing or recovering the Insured Vehicle or where a known fault existed with the Insured Vehicle prior to the Inception Date,

17. Any Claim where the Insured Vehicle is immersed in mud, snow, sand or water. This also extends to any Breakdown as a result of contact with the above.

18. Any Breakdown as a result of a slipped chain on a motorcycle, moped, scooter or other chain driven Vehicle.

19. Any Insured Vehicle being used for, or in conjunction with, any private or public hire, or any courier or delivery services, including removal services.

20. The cost of any parts, components, lubricants or materials required to repair Your Insured Vehicle

21. The reimbursement of any charges for food, drink, telephone calls, fuel, oil or any other incidental expenses.

22. Any charges incurred by You where providing assistance under this Policy would be deemed unlawful.

23. Any Breakdown where Your Insured Vehicle is not accessible when We have been informed otherwise.

24. The cost of any specialist recovery equipment required as a result of Your Vehicle being in an inaccessible location

25. Recovery of Your Insured Vehicle which cannot be undertaken in a safe and legal manner.

26. Any Claim for, or arising from, loss or damage to the contents of, or within, Your insured Vehicle.

27. Any toll charges, ferry charges, parking charges or traffic congestion charges incurred as a result of recovering Your Insured Vehicle.

28. Any charges or costs incurred by You as a result of You deciding to scrap Your Insured Vehicle.

29. We are not chargeable, or liable, as the result of a Breakdown for any financial loss You may incur, such as, but not limited to, loss of earnings, missed appointments or missed flights, trains or other prepurchased transport tickets.

30. Any Claim where money is owed to Us under t

Category: Breakdown

Homestart

Home start is an add on and not included as standard.

Homestart includes assistance if Your Insured Vehicle should Breakdown at Home or within (1) mile of Your
What is covered

If Your Insured Vehicle has Broken Down within the United Kingdom, and is within 1 mile of Your Home We will instruct a Recovery
Operator to;

  1. Attend the scene of the Breakdown and where possible carry out a Temporary Repair, and/or,
  2. Recover the Vehicle to a suitable garage. The garage maybe chosen by You however must be withina 25 mile radius of the
    site of the Breakdown.

In the event that the Breakdown is as a result of a flat, blown or punctured tyrethe following will
apply:

  1. If You have an accessible and serviceable spare, or space saver wheel, along with any relevant locking wheel nut
    key (where applicable), a Recovery Operator will replace the wheel.
  2. If neither the relevant locking wheel nut key is present or an accessible and serviceable spare, or space saver wheel, then
    We shall source a mobile tyre fitter (where available) to attend. The call outcharge of this shall be covered within Your
    Policy up to a maximum of £70, but the cost of any parts or tyre(s) required will be at Your cost.
  3. Where a mobile tyre fitter is unable to be sourced We shall recover Your Vehicle to the nearestgarage able to effect
    a repair. This is where Our assistance will end.

What is not covered

  1. Labour charges in excess of one hour of the Recovery Operator arriving at the scene of theBreakdown.
  2. A breakdown which occurs outside of the UK.
  3. The exclusions detailed within the General Exclusions section of this Policy Wording also apply.
Category: Breakdown

We can cover you if you are planning on taking your motorbike to Europe. We provide European Breakdown Cover with assistance in a range of European countries. We offer Single Trip and Annual Breakdown Cover.

Our breakdown cover is for vehicles that are used for personal use only. If you use your motorbike for business use, such as a courier, then we will not be able to cover you.

You will be covered on any motorbike if you are riding, or riding pillion as long as you have Personal Breakdown Cover.

If you take out personal breakdown cover, each named member included in family cover is covered on any vehicle they drive or travelling in.

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.

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.

If You cancel your recovery after initially calling us or you are not with the vehicle when an recovery operator arrives you will be charged £168

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.

With Annual European cover you must inform us at least 24 hours in advance of your travel dates during the Term of the Policy.

In event that the vehicle cannot be repaired within 7 days we shall consider; repatriating your vehicle back to the UK.

If you require emergency assistance whilst abroad please call +44 1945 425307
What our operators will need if you breakdown
1. Your name and breakdown insurance policy number.
2. The vehicle’s make, model and registration number.
3. The exact location of the vehicle, such as the road you are on, the nearest junction, identifiable landmark etc.
4. What you suspect the nature of the fault is.
5. The telephone number you are calling from.
6. We will then arrange for a Recovery Operator to attend to the given location as quickly as possible.

If you’re only planning on making the one trip to Europe then Single Trip cover would be suitable. Single trips are available for up to 30 days per trip.

If you are going to be making more than one trip to Europe in a 12 month period then Annual cover probably is an ideal choice. This will allow you to make multiple trips over a 90 day period as long as each trip is a maximum duration of 30 days.

We currently offer assistance in the following European countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia,Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland

You may change the vehicle on your policy up to 4 times during the term, however, temporary changes of vehicle are not permitted within this policy.

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 inclusion of Key Cover which is an additional purchase.

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.

Our claims process is easy and quick. In the event you need to make a claim you need to ring 01945 425307. It’s always important to make sure you have access to this number and your policy information. So keep your policy information in your vehicle or on your smartphone. The breakdown operator will take details of where you are and what the problem is, then send out a mechanic.

Depending on the nature of the problem and your level of cover, the mechanic will either fix the issue there and then, or tow you and your vehicle to a nearby garage

Please refer to our policy wording for full details on definition of non-commercial usage. Anything not covered by a category within here will be deemed as commercial usage (including, but not limited to
courier services, driving tuition and use for hire or reward)

If you breakdown, we will provide assistance in accordance with the terms of your cover for any vehicle or vehicles stated in the Schedule of Insurance. Put simply, this means that you’re buying breakdown cover for a vehicle, and that any valid driver behind the wheel of the car when it breaks down can call for assistance

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.

Our claims process is easy and quick. In the event you need to make a claim you need to ring 01945 425307. It’s always important to make sure you have access to this number and your policy information. So keep your policy information in your vehicle or on your smartphone. The breakdown operator will take details of where you are and what the problem is, then send out a mechanic.

Depending on the nature of the problem and your level of cover, the mechanic will either fix the issue there and then, or tow you and your vehicle to a nearby garage

Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.

Means a repair undertaken at the roadside by a recovery operator that will allow the vehicle to be driven safely but which will still need to additional investigation or work to prevent a further breakdown.

If a temporary repair is not possible, We will arrange for you, your vehicle and up to four passengers to be taken to the nearest suitable garage.

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.

Yes, with personal breakdown cover you’ll be covered if you’re a passenger in someone else’s car. So if you’re travelling somewhere with a friend, and their car breaks down, you can call for assistance.

Personal breakdown cover covers a named person on the policy instead of a vehicle. This means that person has breakdown cover in any vehicle he or she either drives or is a passenger in – but no-one else is covered.

Your policy documents will be attached in your policy confirmation email. You can also access you policy documents at any time by logging into your online account.
If you haven’t received your login details or can’t find them call our customer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

If you wish to make a complaint then you can refer to our policy wording for details or you can call 0208 6269 454 or email us at admin@covermy.co.uk and we will be more than happy to help.

We don’t automatically renew your policy. We will send out a renewal reminder near the end date of your policy to see if you wish to continue your cover.

If you have any issues with, or questions about, your account you can contact us by calling 0208 6269 454 or emailing us at admin@covermy.co.uk and we will be more than happy to help.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

When you took out your breakdown cover with us we would of automatically created you an online account. You were sent an email with your login details. (please check spam folder in case)
If you haven’t received this email or can’t find it then call our custmer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

We can offer cover for vehicles that are up to and including 21 years old

We do not cover caravans in the event of a break down. We only cover a caravan or trailer being towed by an isured vehicle that breaks down whilst towing up to a weight limit of 3.5 tonnes and size limits of 7 metres long and 2.44 metres wide

Our claims process is easy and quick. In the event you need to make a claim you need to ring 01945 425307. It’s always important to make sure you have access to this number and your policy information. So keep your policy information in your vehicle or on your smartphone. The breakdown operator will take details of where you are and what the problem is, then send out a mechanic.

Depending on the nature of the problem and your level of cover, the mechanic will either fix the issue there and then, or tow you and your vehicle to a nearby garage

Please refer to our policy wording for full details on definition of non-commercial usage. Anything not covered by a category within here will be deemed as commercial usage (including, but not limited to
courier services, driving tuition and use for hire or reward)

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.

If you have recently changed your vehicle then you will need to notify us. You can call us on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.
You may change the vehicle on your policy up to 4 times during the term

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 at the moment you can’t amend your personal or cover details online. You will need to contact our customer servicve team on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.