Breakdown cover

Your Cover’s Breakdown and Roadside Assistance option has three levels of cover for you to choose from:

1. Roadside Breakdown
2. Roadside Breakdown and Recovery, including Home Assist
3. European Breakdown and Recovery, including Home Assist

If you choose Roadside Breakdown we will:

• Provide roadside assistance if you breakdown more than one mile from your home. We will pay for up to 30 minutes working on your vehicle. If it cannot be repaired in this time we will arrange for car, driver and passengers to be taken to the nearest suitable garage;
• Pass on urgent messages for you advising that you have been delayed;
• Provide details of a nationwide glass repairer if your windscreen or other glass needs replacing

If you choose Roadside Breakdown and Recovery including Home Assistance, we will:

• Provide all the benefits listed above under Roadside Breakdown, but with the Breakdown cover extended to include breakdowns at or within a mile of your home;
• Get you, your car and up to 6 passengers back home (or to another UK address if you wish), should your car break down and remain immobile for more than 4 hours and provided we’ve come out to you and attempted to repair it
• Arrange for you and up to 6 passengers to travel on to your destination in the UK by rail, pay for overnight bed and breakfast and arrange for a temporary replacement vehicle for up to 2 days, if your car breaks down anywhere in the UK and remains immobile for more than 4 hours, even though we’ve come out to you and attempted to repair it

If you choose European Breakdown and Recovery including Home Assistance, we will:

• Provide all the benefits listed above under Roadside Breakdown including Home Assistance;
• Get you and your passengers home, or onwards to your destination, if you break down while driving your car in Europe and we cannot get it repaired within 8 hours. Alternatively, we’ll cover the cost of bed and breakfast accommodation while you wait for your car, or a temporary replacement vehicle, up to a limit of £750;
• Return your car to an authorized repairer back in the UK if you break down in Europe and repairs would take longer than 5 days;
• Pay for you or someone else to go back to collect your car if the time taken to repair it means that you have to leave it in Europe at the end of your visit.

We must point out that, in extreme weather conditions, it can become impossible to reach and effect repairs at the scene of a breakdown within normal times. When this happens, our immediate priority is to move you and your passengers to a place of safety, after which we can recover your car once conditions improve.