From
What is 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. This differs from vehicle breakdown cover, which is tied to a particular vehicle and not the driver.
At CoverMy Breakdown, 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.
Up to 4 people covered from your family
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.
Personal breakdown cover with you in mind
CoverMy 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.
- Up to 4 family members covered for breakdown
- You are covered in any car
- Covered even if you are driver or passanger
- Breakdown cover in any vehicle *
- Breakdown cover for cars, motorbikes, vans and caravans
- Local breakdown cover options
- Home breakdown cover options
- Flexible range of breakdown options
- 5 Star defaqto rating
- Up to 4 family members covered for breakdown
- You are covered in any car
- Covered even if you are driver or passanger
- Breakdown cover in any vehicle *
- Breakdown cover for cars, motorbikes, vans and caravans
- Local breakdown cover options
- Home breakdown cover options
- Flexible range of breakdown options
- 5 Star defaqto rating
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 moreNational Cover
from
£ 33
36
Annual -
Roadside assistance
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accommodation
-
Excess (£30)
-
Trailer & caravan
Excess
National & Home
from
£ 33
17
Annual -
Roadside assistance
-
Home cover
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accommodation
-
Excess (£30)
-
Trailer & caravan
Excess
National Cover
from
£ 38
34
Annual -
Roadside assistance
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accommodation
-
Excess (Optional)
-
Trailer & caravan
National & Home
from
£ 39
97
Annual -
Roadside assistance
-
Home cover
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accommodation
-
Excess (Optional)
-
Trailer & caravan
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.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.
The benefits of personal breakdown cover
- Local Cover
- Home Cover
- National Cover
- European Cover
- Onward Travel
- Emergency Overnight Accomodation
- Trailer & caravan
- Any vehicle or driver covered
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.
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
What is Personal Cover?
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.
Can I pay for personal breakdown monthly?
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.
Am I covered in someone elses vehicle?
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.
How many times can I claim on personal breakdown cover?
Toggle Content
How many times can I claim on personal breakdown cover?
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.
What happens if you can't fix my car on the roadside
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.
What is a temporary repair
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.
Am I covered as a pillion passenger on a motorcycle?
Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.
What happens if myself or someone on my cover breaks down?
“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”
How do I cancel my policy
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.
Am I covered if I am towing a caravan
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.
Do you cover caravans
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
What should I do if I breakdown on a motorway
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
* check policy documentation