Vehicle Breakdown Cover
Flexible cover for flexible needs
Our National and Home Policy is 5 Star Defaqto Rated
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What is Vehicle Breakdown Cover?
Vehicle Breakdown Cover is great if you have more than one vehicle in your household, as our Vehicle Breakdown Cover can protect them all, no matter who is driving it.
With CoverMy Breakdown, you can get multi-vehicle breakdown cover for up to four different cars. If you have more than one car at home, then vehicle breakdown cover could be an ideal option, especially if you have children who like to borrow mum and dads car. They may even have vehicles themselves.
Therefore, having the flexibility of being able to cover multiple vehicles under one policy can save you time and money whilst providing you comfort in knowing you’re all protected.
Who would benefit from Vehicle Breakdown Cover?
Our Vehicle Breakdown Cover will provide assistance to anyone who drives any vehicle that is named on your insurance, so you are all covered under the one policy. So it doesn’t matter if one of your kids wants to borrow one of your cars. They will be covered and receive breakdown assistance if they were to break down whilst behind the wheel.
You can relax, because 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 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 moreVehicles 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.
What we cover
- Local Cover
- Home Cover
- National Cover
- European Cover
- Onward Travel
- Emergency Overnight Accomodation
- Trailer & caravan
- Any vehicle or driver covered
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 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.
Breakdown Cover Comparison table
Local Cover
from
£ 18
86
Annual -
Roadside assistance
-
Local recovery
-
Misfuel
-
Home Cover (optional)
-
Excess (optional)
-
Trailer & caravan
National Cover
from
£ 15
83
Annual -
Roadside assistance
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accomodation
-
Misfuel
-
Home Cover (optional)
-
Excess (optional)
-
Trailer & caravan
National & Home
from
£ 15
97
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 £18.20
£ 55
78
Annual -
Roadside assistance
-
Local recovery
-
National recovery
-
Onward travel
-
Emergency overnight accomodation
-
Misfuel
-
Home Cover
-
European cover
-
Excess (optional)
-
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.
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What our customers are saying
What is Vehicle Cover?
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
Do you cover vehicals for commercial use
“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)”
Can I pay for Vehicle 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.
Would I be covered in someone else's vehicle?
Unfortunately with vehicle cover you would not be covered for this event. You are only covered in the named vehicle or vehicles on your cover. If you wish to be covered across multple vehicles then Personal Breakdown Cover could cover you, in any vehicle.
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.”
Could I add a motorbike or van along with my car?
We can cover motorbikes and vans along with your car. So having different types of vehicle under the one policy is fine. We can cover up to four vehicles on one policy as long as they are used for private use only. We don’t cover any vehicles for commercial use. There will be other conditions for each vehicle but these can be found in our policy wording.
What happens if a registered vehicle 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 many times can I claim on vehicle 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.
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
Do you have an age restriction on vehicles
“We can offer cover for vehicles that are up to
and including 21 years old”
Is my vehicle covered if I have an accident
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.
Can you assist if I have locked my keys in my vehicle
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 includion of Key Cover which is an additional purchase.
Can I amend the vehicle on my policy
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.
Customer Services number: 0208 626 9454
Emergency call out number: 01945 425307
Email: admin@covermy.co.uk