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Motor Breakdown insurance

Provided by National Breakdown, our breakdown cover can be added to our motor policies to provide your clients with one of 4 available levels of assistance.

We offer breakdown cover on Farm Motor for Private Cars, Commercial Vehicles up to 44t and Motorised Horseboxes. We also offer breakdown cover on Rural Business Motor for Private Cars, Commercial Vehicles up to 7.5t and Motorised Horseboxes.

  • Covers
  • Selling points
  • Policy documents
  • Making a claim

Motor Breakdown Insurance Covers

  Level 1 Level 2 Level 3 Level 4
UK Roadside Assistance
Local Tow
Nationwide Recovery  
Onward Travel  
Assistance at Home    
European Assistance      
Repatriation from EU      

Rates from 1st August 2020

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*
Commercial vehicles over 7.5 tonne up to and including 44 tonnes £57.48* £83.79* £100.55* £321.13*

Rates for policies incepting prior to 1st August 2020

Private cars & Commercial vehicles up to and including 3.5 tonnes £39.31* £48.98* £66.71* £106.03*
Commercial vehicles over 3.5 tonne up to and including 7.5 tonnes £44.14* £58.57* £70.34* £130.34*
Commercial vehicles over 7.5 tonne up to and including 44 tonnes £49.14* £71.64* £85.96* £228.64*

*prices exclude insurance premium tax



  • UK Roadside Assistance: Roadside assistance to try to restart or mobilise the vehicle
  • Assistance at Home: Attendance at the home address if the vehicle breaks down
  • Local Tow: If we cannot restart the vehicle at the roadside, it will be towed to a local garage or the home within 15 miles
  • National Recovery: If we cannot restart the vehicle at the roadside, and a local repair is not possible, we will tow the vehicle, customer and passengers to a local garage or home address anywhere in the UK
  • Onward travel: When a local repair is being carried out locally a hire car can be provided (48 Hours) or public transport for the customer to continue their journey
  • European Assistance: If the customer breaks down abroad we will attend at the roadside or tow the customer and their vehicle to a local repairer. Overnight accommodation or replacement vehicle can be provided whilst the vehicle is being repaired
  • Repatriation from EU: If the vehicle cannot be repaired abroad, we will look to repatriate the vehicle and passengers back to the UK

    Motor Breakdown Insurance Selling Points

    • 4 levels of competitive cover designed specifically for Rural policyholders
    • Add cover to just one vehicle or all vehicles depending on your needs
    • Choose different levels of cover for different vehicles
    • Fast and efficient UK based claims from National Breakdown – experts in breakdown recovery
    • Issued alongside the Farm Motor or Rural Business Motor policy documents for efficient administration
    • Convenient instalments available with an interest rate of only 4% (You must pay by the same method you chose to pay the motor insurance policy)
    Document Title Size Valid From
    Motor Breakdown insurance Policy Summary (V7) 559.8 KB 01 Sep 2020
    Motor Breakdown insurance Policy Wording (V7) 1.06 MB 01 Sep 2020
    Please check the version number on your policy schedule to ensure you select the right documentation

    Motor Breakdown Insurance Making a claim

    At Rural Insurance we understand the importance of the claims service for your clients.

    In the event of a claim your client should contact our National Breakdown directly 24 hours a day on 0845 275 1999 or from a mobile phone 01274 288 488.