faq-breakdown

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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 inclusion 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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