faq-breakdown

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Breakdown

We can cover you if you are planning on taking your motorbike to Europe. We provide European Breakdown Cover with assistance in a range of European countries. We offer Single Trip and Annual Breakdown Cover.

Our breakdown cover is for vehicles that are used for personal use only. If you use your motorbike for business use, such as a courier, then we will not be able to cover you.

You will be covered on any motorbike if you are riding, or riding pillion as long as you have Personal Breakdown Cover.

If you take out personal breakdown cover, each named member included in family cover is covered on any vehicle they drive or travelling in.

If this is included in your cover then If the breakdown occurrs more than 25 miles from your home, we will reimburse you the 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.

We allow up to four people to be covered, so you can make sure your family is protected whether they are the driver or passenger no matter what vehicle they are travelling in.

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

With Single Trip cover you must inform us at least 48 hours in advance of your travel dates and intended country(s) of destination within Europe.

With Annual European cover you must inform us 24 hours in advance of your travel dates during the Term of the Policy.

In event that the vehicle cannot be repaired within 7 days we shall consider; repatriating your vehicle back to the UK.

If you require emergency assistance whilst abroad please call +44 1945 425307
What our operators will need if you breakdown
1. Your name and breakdown insurance policy number.
2. The vehicle’s make, model and registration number.
3. The exact location of the vehicle, such as the road you are on, the nearest junction, identifiable landmark etc.
4. What you suspect the nature of the fault is.
5. The telephone number you are calling from.
6. We will then arrange for a Recovery Operator to attend to the given location as quickly as possible.

If you’re only planning on making the one trip to Europ then Single Trip cover would be suitable. Single trips are available for up to 30 days per trip.

If you are going to be making more than one trip to Europe in a 12 month period then Annual cover probably is an ideal choice. This will allow you to make multiple trips over a 90 day period as long as each trip is a maximum duration of 30 days.

We currently offer assistance in the following European countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia,Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland

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.

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.

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.

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

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)

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

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.

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

Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.

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.

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.

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.

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.

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.

Your policy documents will be attached in your policy confirmation email. You can also access you policy documents at any time by logging into your online account.
If you haven’t received your login details or can’t find them call our customer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

If you wish to make a complaint then you can refer to our policy wording for details or you can call 0208 6269 454 or email us at admin@covermy.co.uk and we will be more than happy to help.

We don’t automatically renew your policy. We will send out a renewal reminder near the end date of your policy to see if you wish to continue your cover.

If you have any issues with, or questions about, your account you can contact us by calling 0208 6269 454 or emailing us at admin@covermy.co.uk and we will be more than happy to help.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

When you took out your breakdown cover with us we would of automatically created you an online account. You were sent an email with your login details. (please check spam folder in case)
If you haven’t received this email or can’t find it then call our custmer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

We can offer cover for vehicles that are up to and including 21 years old

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

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

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)

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 you have recently changed your vehicle then you will need to notify us. You can call us on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.
You may change the vehicle on your policy up to 4 times during the term

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.

Unfortunately at the moment you can’t amend your personal or cover details online. You will need to contact our customer servicve team on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.

Breakdown European Cover

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

With Single Trip cover you must inform us at least 48 hours in advance of your travel dates and intended country(s) of destination within Europe.

With Annual European cover you must inform us 24 hours in advance of your travel dates during the Term of the Policy.

In event that the vehicle cannot be repaired within 7 days we shall consider; repatriating your vehicle back to the UK.

If you require emergency assistance whilst abroad please call +44 1945 425307
What our operators will need if you breakdown
1. Your name and breakdown insurance policy number.
2. The vehicle’s make, model and registration number.
3. The exact location of the vehicle, such as the road you are on, the nearest junction, identifiable landmark etc.
4. What you suspect the nature of the fault is.
5. The telephone number you are calling from.
6. We will then arrange for a Recovery Operator to attend to the given location as quickly as possible.

If you’re only planning on making the one trip to Europ then Single Trip cover would be suitable. Single trips are available for up to 30 days per trip.

If you are going to be making more than one trip to Europe in a 12 month period then Annual cover probably is an ideal choice. This will allow you to make multiple trips over a 90 day period as long as each trip is a maximum duration of 30 days.

We currently offer assistance in the following European countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia,Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland

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.

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.

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.

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

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

Breakdown Family Cover

If you take out personal breakdown cover, each named member included in family cover is covered on any vehicle they drive or travelling in.

If this is included in your cover then If the breakdown occurrs more than 25 miles from your home, we will reimburse you the 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.

We allow up to four people to be covered, so you can make sure your family is protected whether they are the driver or passenger no matter what vehicle they are travelling in.

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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.

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

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.

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

Breakdown General

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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.

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

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.

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.

Your policy documents will be attached in your policy confirmation email. You can also access you policy documents at any time by logging into your online account.
If you haven’t received your login details or can’t find them call our customer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

If you wish to make a complaint then you can refer to our policy wording for details or you can call 0208 6269 454 or email us at admin@covermy.co.uk and we will be more than happy to help.

We don’t automatically renew your policy. We will send out a renewal reminder near the end date of your policy to see if you wish to continue your cover.

If you have any issues with, or questions about, your account you can contact us by calling 0208 6269 454 or emailing us at admin@covermy.co.uk and we will be more than happy to help.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

When you took out your breakdown cover with us we would of automatically created you an online account. You were sent an email with your login details. (please check spam folder in case)
If you haven’t received this email or can’t find it then call our custmer service team on 0208 6269 454 or email admin@covermy.co.uk and we will be happy to assist.
Our offices are open 9am – 5pm from Monday to Friday and 10am – 2pm on Saturdays.

We can offer cover for vehicles that are up to and including 21 years old

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

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

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)

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 you have recently changed your vehicle then you will need to notify us. You can call us on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.
You may change the vehicle on your policy up to 4 times during the term

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.

Unfortunately at the moment you can’t amend your personal or cover details online. You will need to contact our customer servicve team on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.

Breakdown Motorbike Cover

We can cover you if you are planning on taking your motorbike to Europe. We provide European Breakdown Cover with assistance in a range of European countries. We offer Single Trip and Annual Breakdown Cover.

Our breakdown cover is for vehicles that are used for personal use only. If you use your motorbike for business use, such as a courier, then we will not be able to cover you.

You will be covered on any motorbike if you are riding, or riding pillion as long as you have Personal Breakdown Cover.

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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

Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.

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.

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

Breakdown Personal

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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.

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

Yes, with Personal Cover you’re covered in any vehicle no matter who is driving the vehicle.

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.

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.

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.

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

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 you have recently changed your vehicle then you will need to notify us. You can call us on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.
You may change the vehicle on your policy up to 4 times during the term

Breakdown UK Cover

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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.

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

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.

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

Breakdown Vehicle

If You cancel Your recovery after initially calling Us or You are not with the Vehicle when an Recovery Operator arrives you will be charged £168

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.

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.

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.

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.

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

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)

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

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.

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

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.

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.

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.

We can offer cover for vehicles that are up to and including 21 years old

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 you have recently changed your vehicle then you will need to notify us. You can call us on 0208 626 9454 or email admin@covermy.co.uk to talk to our team who will be more than happy to help.
You may change the vehicle on your policy up to 4 times during the term

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