You can cover specific vehicles, named individuals, or mix both on a single policy. Each vehicle can have its own cover level, personal cover options will provide the same cover to all named individuals.
Personal – Cover named individuals (policyholder and up to 3 additional people). Breakdown cover follows the person, in any vehicle they're travelling in. All must reside at the same address as the policyholder.
Personal cover doesn't offer an option to include European cover, for cover in the rest of Europe you would need to purchase a vehicle cover option with Europe included, or purchase a single trip European policy for the trip you have planned.
Vehicle – covers a nominated vehicle for any driver using the vehicle with your permission, all vehicles must be registered to the policyholders address, there is no limit to the number of vehicles you can cover. You can select from a range of cover options, per vehicle, as you require.
Vehicle cover can include any combination of the policy benefits below.
Please note: business use is covered as standard, which provides cover for communiting to and from multiple places of work or for tasks performed as a tradesmen. We do not provide cover if using the vehicle for hire and reward activities, such as courier or taxi services.
Roadside assistance plus recovery to a local garage within 15 miles from where you have broken down. Essential help to get you moving again close to home. Provides cover anywhere in Britain, including up to one hour of roadside assistance to try and get you moving.
Everything in Bronze cover above, plus Home Assist if you break down at or near your home (within 1/4 mile from your home address).
Roadside assistance (Bronze cover) plus nationwide recovery to a destination of your choice, anywhere in Britain.
Everything in Gold cover above, plus Home Assist for breakdowns at or near home (within 1/4 mile from your home address).
Everything in Gold cover extended across Europe, so you're protected on the continent as well as at home in the UK.
Our most complete and comprehensive option, everything in Platinum cover above, Nationwide Recovery, Home Assist and European protection in one.
In the event of a breakdown in Britain which occurs more than 20 miles from your home address, we will pay up to £250 towards the reasonable cost of either:
This benefit is intended to enable you and your passengers to complete one single journey to either your original destination, or to return to your home address. We will also pay up to £150 towards the reasonable cost of alternative transport for one person to return and collect the repaired vehicle.
If you are eligible for the Alternative Travel benefit above but would prefer to stay overnight close to where the vehicle is being repaired, we will pay up to £150 for a lone traveller or £75 per person, towards the reasonable cost of overnight accommodation (including breakfast) for you and your passengers whilst the vehicle is being repaired. The maximum payment under this benefit is £500 per claim.
We will pay up to £250 if the wrong type of fuel is put into your vehicle towards the cost of:
If your vehicle breaks down while you are towing a caravan or trailer, we’ll extend your recovery (not including repair) to include the caravan/trailer as well as the towing vehicle. The caravan/trailer must be fitted with a standard 50mm tow ball coupling hitch and must not exceed 7 metres/23 feet in length (not including the length of the A-frame and hitch). Note - we do not provide cover for caravans or trailers which have broken down.
Unlike many providers, we will recover you if you have lost or damaged your keys or have locked your keys within the vehicle. We will pay the callout and mileage charges back to the recovery operator’s base or to your preferred destination if closer. Note - All other costs incurred, including any specialist equipment needed to move the vehicle or toward secure storage costs will not be covered.
If you are unable to continue your journey in Britain due to illness or injury to the driver of the vehicle, we will pay up to £500 in total towards:
Payment of this benefit will be contingent upon your providing us with a medical certificate proving you are unable to drive. The maximum payment under this benefit is £500 per claim.
For full terms and condition for all our breakdown products listed here, please refer to our policy wording