Personal Breakdown Cover

Personal Breakdown Cover

From
£38.34

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.

As a driver you’ll know that there’s a likely chance that at some point time you will be the unfortunate one stranded at the side of the road with a broken down vehicle. It’s a stressful and worrying situation. Especially when a family member has broken down and you are not there to help or offer comfort.

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.

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 cover

Vehicle

Vehicle Breakdown Insurance

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.

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Personal Breakdown Insurance

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.

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What vehicles we cover

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.​

Find out more

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.

Find out more

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.

Find out more

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.

Find out more

What we cover

Local cover

We’ll provide assistance and try to temporarily repair your vehicle if you break down more than one mile away from home. If we can’t do a temporary repair we will arrange for you, your vehicle and up to four passengers to be taken to the nearest suitable garage.

Home cover

If your insured vehicle has broken down, and is within one (1) mile of your home, we will attempt to carry out a temporary repair. If a temporary repair is not possible, we will tow you to a suitable garage of your choice. The garage must be within a 25 mile radius of the Breakdown site.

National cover

We’ll recover you and your vehicle to your home address or original destination, if a local garage isn’t able to repair your vehicle.

European cover

If your insured vehicle has broken down during a trip within Europe we will instruct a recovery operator to attend the scene of the breakdown and where possible carry out a temporary repair.

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

Breakdown Insurance

Onward travel

Transport for you and up to 4 passengers, cost of alternative second class rail travel or the cost of a suitable self-drive hire car for up to 72 hours , up to a maximum of £250 to allow you to complete your journey.

Emergency overnight accommodation

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.

Trailer & caravan

If your vehicle breaks down whilst towing, we’ll recover your trailer or caravan.

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.

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 cover

uk breakdown

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. Find out more

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. Find out more

Motorbike Breakdown Cover

Cover your motorbike, no matter who’s riding it. We help keep you moving on your precious two wheels. Find out more

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. Find out more

Breakdown Comparison table

Local Cover

Annual from
£18.86 / Year
  • Roadside assistance
  • Local recovery
  • Misfuel
  • Home Cover (optional)
  • Excess (optional)
  • Trailer & caravan

National Cover

Annual from
£19.79 / Year
  • Roadside assistance
  • Local recovery
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Misfuel
  • Home Cover (optional)
  • Excess (optional)
  • Trailer & caravan

European Cover

Single trip from
£55.78 / Year
  • Roadside assistance
  • Local recovery
  • National Recovery Tooltip
  • National recovery
  • Onward travel
  • Emergency overnight accomodation
  • Home Cover
  • Misfuel
  • Excess (optional)
  • European cover
  • 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.

Trustpilot

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.

Cover My Helphub

Customer Services number: 0800 980 5134

Emergency call out number: 01945 425307

Email: admin@covermy.co.uk