Breakdown Cover You Can Rely On for Cars & Motorbikes
Reliable roadside assistance, nationwide recovery and European cover options to help keep you moving when the unexpected happens.
Choose between Nationwide & Home Cover or European & Home Cover, with roadside assistance, nationwide recovery and additional support designed to reduce disruption when you need it most.
Compare Your Breakdown Cover Options
Choosing the right Breakdown Cover depends on how and where you drive. Both policies include roadside assistance, nationwide recovery and Home Assist, while European & Home Cover adds protection for eligible journeys across Europe.
Compare the available options below before selecting the cover that best suits your needs.
Nationwide & Home Cover
Ideal for drivers who mainly travel within the UK and want comprehensive breakdown assistance, including support at home.
✔ Up to 60 minutes roadside assistance
✔ Nationwide Recovery
✔ Home Assist
✔ Alternative Travel
✔ Emergency Overnight Accommodation
✔ Locked Keys Assistance
✔ Driver Illness Vehicle Return
✔ Caravan or Trailer Recovery (within policy limits)
£82.05 (0–15 years)
£102.59 (16+ years)
European & Home Cover
✔ Up to 60 minutes roadside assistance
✔ Nationwide Recovery
✔ Home Assist
✔ Alternative Travel
✔ Emergency Overnight Accommodation
✔ Locked Keys Assistance
✔ Driver Illness Vehicle Return
✔ Caravan or Trailer Recovery (within policy limits)
✔ European Roadside Assistance
✔ Vehicle Repatriation
✔ Pre-Departure Cover
✔ Alternative Travel Abroad
✔ Emergency Overnight Accommodation Abroad
✔ Shipping of Spare Parts
£92.62
Breakdown Cover Explained
Breakdown Cover provides assistance if your car or motorbike becomes immobilised following an insured breakdown within the territorial limits of your policy. Depending on the level of cover you choose, assistance may include roadside repairs, vehicle recovery, Home Assist, alternative travel, overnight accommodation and additional support for eligible journeys across Europe.
Rather than arranging and paying for recovery services yourself, Breakdown Cover gives you access to professional roadside assistance when an unexpected electrical or mechanical failure — or another insured incident covered by the policy — prevents you from continuing your journey.
*All cover is subject to the terms, conditions and eligibility requirements set out in the Policy Wording.
Key Benefits of Breakdown Cover
A vehicle breakdown can disrupt your day, whether you're travelling to work, commuting or setting off on a longer journey. Breakdown Cover helps minimise inconvenience by providing roadside assistance and recovery when your car or motorbike cannot continue safely.
Depending on the cover you choose, benefits include:
✔ Up to 60 minutes of roadside assistance
✔ Nationwide Recovery across the UK
✔ Home Assist for breakdowns at or within one mile of your home
✔ Alternative Travel support
✔ Emergency Overnight Accommodation
✔ Locked Keys Assistance
✔ Driver Illness Vehicle Return
✔ Caravan or Trailer Recovery (where eligible)
✔ European Roadside Assistance (European & Home Cover)
✔ Vehicle Repatriation from Europe (European & Home Cover)
✔ Pre-Departure Cover for eligible European trips
✔ Shipping of Spare Parts while travelling in Europe
*Benefits are subject to the terms, conditions, eligibility criteria and financial limits detailed in the Policy Wording.
What's Covered
Breakdown Cover helps if your car or motorbike becomes immobilised following an insured breakdown within the territorial limits of your policy. Cover includes roadside assistance for electrical or mechanical failures, as well as other insured incidents including flat batteries, punctures, lack of fuel, lack of charge, misfuelling, fire, theft, attempted theft, vandalism and certain accidents.
If your vehicle cannot be repaired at the roadside, additional recovery and travel benefits are provided according to the level of cover selected.
*The benefits below are summarised from the IPID and Policy Wording. Full terms, conditions, exclusions and eligibility requirements are detailed in the Policy Wording.
Roadside Assistance
If your car or motorbike suffers an insured breakdown, a recovery operator will attend and spend up to 60 minutes attempting roadside repairs.
Roadside Assistance covers insured breakdowns caused by:
✔ Electrical or mechanical failure
✔ Flat battery or puncture
✔ Lack of fuel or charge
✔ Misfuelling
✔ Fire
✔ Theft or attempted theft
✔ Vandalism
✔ Certain accidents that leave your vehicle immobilised
If your vehicle cannot be repaired during the roadside visit, recovery will be arranged according to the level of cover shown on your Policy Schedule.
Overnight Accommodation (UK)
If your vehicle cannot be repaired on the same working day and you choose to remain near the repair location instead of continuing your journey, the policy may contribute towards overnight accommodation.
The benefit includes:
✔ Up to £150 for a single traveller, or
✔ £75 per person, up to a maximum of £500 per claim.
Reasonable travel expenses to the accommodation may also be included where applicable.
Nationwide Recovery
Included with:
✔ Nationwide & Home Cover
✔ European & Home Cover
If your vehicle cannot be repaired by a suitable garage on the same working day, Nationwide Recovery provides transport for your vehicle and passengers to:
✔ Your home address, or
✔ Another destination within the UK if it is closer.
Recovery must take place during the initial assistance call-out and is subject to the policy terms and territorial limits.
Locked Keys Assistance
If your keys are accidentally locked inside your vehicle, the policy covers the recovery operator's call-out and mileage charges to attend and help regain access.
Please note that the policy does not cover replacement keys, specialist equipment, storage costs or other expenses that may arise.
Home Start
Included with:
✔ Nationwide & Home Cover
✔ European & Home Cover
Home Assist provides roadside assistance if your vehicle breaks down at your home or within one mile of your home address.
A recovery operator will attend and spend up to 60 minutes attempting to repair your vehicle. If the vehicle cannot be repaired at the roadside, it will be recovered to the nearest suitable garage within the limits set out in the policy.
Without Home Assist, breakdown assistance is only available when the incident occurs more than one mile from home.
Driver Illness or Injury
If illness or injury prevents you from continuing to drive, the policy may contribute up to £500 towards returning your vehicle home.
This benefit helps arrange the safe return of your vehicle when you are unable to continue your journey yourself, subject to the terms and conditions of the policy.
Alternative Travel (UK)
If your vehicle cannot be repaired on the same working day and you choose to have it taken to a local garage for repairs, the policy may contribute towards the cost of continuing your journey.
The benefit includes up to £250 towards reasonable costs for:
✔ Standard class public transport, or
✔ An economy class hire car (including insurance and excess reduction fees where applicable).
The policy may also contribute up to £150 towards returning to collect your repaired vehicle.
Alternative Travel applies only when the breakdown occurs more than 20 miles from your home address and all policy conditions are met.
Caravan or Trailer Recovery
If your vehicle breaks down while towing a caravan or trailer that meets the policy requirements, recovery can also include the attached caravan or trailer.
To qualify, the caravan or trailer must:
✔ Be fitted with a standard 50mm tow ball coupling hitch.
✔ Not exceed 23 feet (7 metres) in length, excluding the A-frame and hitch.
European Cover Benefits
The following benefits are included with European & Home Cover and apply to eligible trips within the European territorial limits defined in the Policy Wording.
Pre-Departure Cover
If your vehicle breaks down within seven days before a pre-booked trip to Europe and cannot be repaired before your intended departure, the policy may contribute up to £500 towards:
✔ A suitable hire vehicle, or
✔ Rebooking your original ferry or motorail crossing.
Eligibility, notification requirements and trip conditions apply.
Overnight Accommodation Abroad
If your vehicle cannot be repaired on the same working day and you are unable to stay at your planned accommodation, the policy may contribute towards emergency overnight accommodation.
The benefit includes:
✔ Up to £150 per person
✔ Maximum £1,000 per claim
Breakfast is included within this benefit.
Roadside Assistance in Europe
If your vehicle breaks down during an eligible trip abroad, a recovery operator will attend and spend up to 60 minutes attempting roadside repairs.
If repairs cannot be completed at the roadside, your vehicle will be recovered to the nearest suitable garage.
Response times and procedures may vary depending on the country and local infrastructure.
Vehicle Repatriation
If your vehicle cannot be repaired within 48 hours, or before your planned return to the UK (whichever is later), the policy may arrange transportation for:
✔ Your vehicle, and
✔ Eligible passengers
back to the UK or, if closer, to your intended destination within the European territorial limits.
Alternative Travel Abroad
If your vehicle cannot be repaired during your trip, the policy may contribute up to £500 towards continuing your journey using:
✔ Public transport, or
✔ An economy class hire car.
It may also contribute up to £200 towards travel costs for returning to collect your repaired vehicle.
Shipping of Spare Parts
Where appropriate, the policy may cover the reasonable cost of shipping replacement parts to the repairing garage while your vehicle is in Europe.
The cost of the replacement parts themselves is not included.
Ready to Get Breakdown Cover?
Whether you mainly drive within the UK or regularly travel across Europe, choosing the right Breakdown Cover can provide reassurance that assistance is available when you need it.
Compare the available options below and choose the level of cover that best suits your vehicle and the way you travel.
Who Is This Cover For?
Breakdown Cover is suitable for drivers who want reassurance that help is available if their car or motorbike unexpectedly becomes immobilised following an insured breakdown.
It may be suitable if you:
✔ Drive a car or motorbike regularly in the UK.
✔ Want roadside assistance from trained recovery operators.
✔ Would like Nationwide Recovery if your vehicle cannot be repaired on the same working day.
✔ Want Home Assist if your vehicle breaks down at or near your home.
✔ Travel long distances and want support with Alternative Travel or Overnight Accommodation.
✔ Regularly drive in Europe and want additional breakdown protection for eligible trips abroad.
✔ Prefer the reassurance of having professional assistance available instead of arranging recovery independently.
Important: To be eligible for assistance, your vehicle must meet the policy requirements and be recorded on your Policy Schedule. Cover is subject to the territorial limits, eligibility criteria and terms detailed in the Policy Wording.
Our Commitment to You
At CoverMyMotor, we are dedicated to providing our clients with the most comprehensive insurance solutions. We understand the complexities of motor insurance and strive to simplify the process for you. Our team is experienced and knowledgeable, ready to guide you through your insurance journey. We believe in transparency and will always keep you informed about your coverage options and benefits. Our goal is to ensure that you feel secure and protected while driving.
