Motor Breakdown Insurance Covers

  Level 1 Level 2 Level 3 Level 4
Roadside assistance
Local recovery
Message service
24 hour 365 cover
Caravan & trailer
Nationwide UK recovery  
Callout from home    
European assistance    
Alternative transport - see wordings      
Overnight accommodation      
Replacement parts when in Europe      
Temporary repairs following break in when in Europe      
Repatriation when in Europe      
Private cars & Commercial vehicles up to and including 3.5 tonnes £45.98* £57.28* £78.11* £148.91*
Commercial vehicles over 3.5 tonne up to and including 7.5 tonnes £57.48* £68.56* £82.27* £182.92*

*prices exclude insurance premium tax

  • UK Roadside Assistance: If the vehicle breaks down more than one mile from the home address, we will arrange service at the scene of the breakdown and pay call-out fees and labour costs in an attempt to repair it. If it cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer.
  • Assistance at Home: If the vehicle breaks down at the home address or within one mile of the home address, we will arrange service at the scene of the breakdown and pay call-out fees and labour costs in an attempt to repair it. If it cannot be repaired at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer, up to a maximum of 20 miles.
  • Recovery: If the vehicle breaks down more than one mile from the home address and it cannot be repaired at the scene of the breakdown or the nearest repairer the same day, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to any one place, you choose.
  • Alternative Travel or Overnight Accommodation: If the vehicle breaks down more than 25 miles from the home address, and it cannot be repaired the same day, and it cannot be recovered to any one place you choose, we will refund the cost of either alternative travel arrangements or overnight accommodation for the driver and the passenger(s).