Motor Breakdown insurance | Rural Insurance Group

We offer optional breakdown cover as an add on product to our Farm Motor and Rural Business Motor products for Private Cars, Commercial Vehicles and Motorised Horseboxes.

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

Covers
Selling points
Policy documents
Making a claim

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*
Commercial vehicles over 7.5 tonne up to and including 44 tonnes	£57.48*	£83.79*	£100.55*	£321.13*
Horseboxes	Not Applicable	Not Applicable	£175.71*	Not Applicable

*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).

Motor Breakdown Insurance Selling Points

4 levels of competitive cover available
Add cover to just one vehicle or all eligible vehicles depending on your needs
Choose different levels of cover for different vehicles
Fast and efficient UK based claims from Hadleigh 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 IPID (Insurance Product Information Document) (V9)	326.43 KB	01 Dec 2021
Motor Breakdown insurance Policy Wording (V9)	790.43 KB	01 Dec 2021

Motor Breakdown Insurance Making a claim

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

If your policy start date is after 1st December 2021, in the event of a claim your client should contact Hadleigh Breakdown directly 24 hours a day on 01245 210 270 or 0330 123 1283.

If your policy start date is before 1st December 2021, in the event of a claim your client should contact National Breakdown directly 24 hours a day on 01274 288 488.