UK Breakdown Cover

UK Breakdown Cover

From
£18.86

UK Breakdown Cover

At Cover My we recognise how important your car is for your day-to-day life, and so we believe finding the right breakdown cover for your carefully chosen car is vital.

We have designed a range of affordable and reliable breakdown cover options to make sure your car is protected to suit your needs and make sure you never have to drive again without knowing we will help should the unexpected happen.

We’ll cover an individual whatever the vehicle they’re driving – or alternatively cover the vehicle no matter who’s driving it. Our UK Breakdown Cover will provide you with assistance if your vehicle should breakdown at the roadside. We aim to carry out a temporary repair to your vehicle. 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.

Our wide range of cover options allows you to tailor the perfect breakdown cover for your needs. You can add Annual European Breakdown or Single European Breakdown cover if you are planning any holidays or travel for business often. We also provide a range of useful extras such as Key Cover and Misfuel Cover.

We want our customers to feel safe and assured in knowing purchasing cover through us gives you reliable and affordable insurance that allows you to protect what matters to you the most. And if the worst was to 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.​

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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.

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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.

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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.

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.

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.
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
Yes, you can choose to pay for your breakdown cover on a monthly basis. There is also the option to pay an annual membership, if you prefer.
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)
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
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
We can offer cover for vehicles that are up to and including 21 years old

Cover My Helphub

Customer Services number: 0800 980 5134

Emergency call out number: 01945 425307

Email: admin@covermy.co.uk