Personal Breakdown Cover

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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.

Insurance

Personal Breakdown Cover

With our Personal Breakdown Cover, if you break down in any vehicle, we’ll come and rescue you. You can even claim whether you’re the driver or a passenger. In this respect it differs from vehicle breakdown cover, which is tied to a particular vehicle.

From
£18.86 pa

Personal cover tailored for you

Breakdown Insurance
Why us?

Why CoverMy Breakdown

At CoverMy we will provide you with the comfort in knowing that we will be there when you need us and get you or a loved one moving again. We allow up to four people to be covered, so you can make sure you and your family are protected. Everyone named on the insurance 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.

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.

Breakdown Comparison table

Local Cover

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

National Cover

from
£ 19
79
Annual
  • Roadside assistance
  • Local recovery
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Misfuel
  • Home Cover (optional)
  • Excess (optional)
  • Trailer & caravan

National & Home

from
£ 20
75
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
£ 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

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.
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.
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.
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.
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.
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.
Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.
“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”
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 your insured vehicle breaks down while towing a caravan or trailer, we will also arrange for your caravan or trailer be recovered to the same location as your vehicle. Any claim relating to a caravan or trailer which breaks down will not be covered.
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
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.

What vehicles we cover

Cars

Cars

Cars

Cars

Cars, Motorbikes & Vans

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

Caravans

Max Length: 7.0 metres (23 feet) excluding draw bar and coupling
Max Width: 2.44 metres (8 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.​