Frequently asked questions

What is breakdown cover?

Breakdown cover ensures that you can get help if your car breaks down while you’re driving. Customers pay a fee to get covered and contact the service if they break down.

Do I need personal or vehicle cover?

This depends on who’s driving your car. If you get personal cover, you’ll be covered in any car you drive. If you get vehicle cover, anyone driving that specific car can be covered. If you have multiple people driving one car, vehicle cover is the best choice, for example.

What is the estimated call-out time?

This varies between providers, but its usually between 30 minutes to an hour, depending on where you are.

Do I pay monthly or annually for breakdown cover?

This varies depending on the service provider you choose. Most providers allow you to pay monthly or upfront, with some insisting on an upfront annual payment.

What are the different types of cover?

Users can choose from Basic, Fully Comp and European. Fully Comp means you have cover from anywhere in the country, including your home, with Basic only covering you a certain distance away from where you live.

Do I need European breakdown cover?

If you’re taking your own car abroad, European cover is highly recommended, as you’ll be able to get the same cover you would if you were in the UK.

What if the breakdown cover provider damages my car?

If damage occurs to your car and is the fault of the engineer sent out to help you, your provider will cover you for this.

Can I switch breakdown cover provider?

Switching breakdown cover providers is simple as long as you’re not on a contract. If you’re paying monthly, you can switch whenever you want. Many providers also offer loyalty benefits for long standing customers.

What is 'fully comp' breakdown cover?

'Fully comp' essentially covers your car anywhere in the UK. This means you’ll be covered even if you’re at home or hundreds of miles away. You’ll also enjoy benefits such as cover for accommodation.

How quickly does my breakdown cover start?

Your cover starts either the day after you’ve arranged it or on a day you specify when buying.

Am I covered after an accident?

Yes, you’re covered after an accident, but you’ll have to pay for any repairs yourself, which should be covered by your insurance.

What should I do if I break down on a motorway?

If you breakdown on a motorway, you need to remember that safety is a number one priority. To find out how to be safest on the roads, follow our guide on what to do when your car breaks down.

Am I covered outside my home?

Only if your package includes a home-start benefit. Some basic packages do not include this, so you’ll have to add it to your breakdown cover.

What is European single-trip breakdown cover?

Single-trip is the cheapest European breakdown cover option, and covers you for a one-off journey in Continental Europe. The countries included in the policy can vary depending on the chosen provider.

What is European multi-trip breakdown cover?

If you’re planning a number of trips to Continental Europe in your own vehicle, then it might be best to take out European multi-trip breakdown cover. The cover should usually work out cheaper than taking out several single-trip policies instead.

Which countries are included in European breakdown cover?

You can expect the popular destinations to be included, such as France, Spain and Germany, but the exact list of countries can vary depending on provider. The list should be extensive, but it’s always best to check with the provider that your destination is included.

Will European cover get me and my vehicle home?

This will be specified in the policy benefits, but a number of breakdown cover providers will offer vehicle recovery to the UK, as well as a specified amount towards emergency travel. It’s best to check the exact details of the policy before you buy because each one can differ, and some breakdown cover providers offer different levels of European cover as well.

What is included in European breakdown cover?

Again, this can vary, but a typical European breakdown cover policy is likely to include an attempted roadside fix or recovery to garage. Cover for the cost of emergency accommodation or a hire car should also be included, up to a specified amount, and some will provide vehicle recovery to the UK. Always check the exact benefits of your European breakdown cover policy before you decide to go ahead with it. Ensure your destination is listed as covered by the policy, and that you'll get the repair and recovery options you need.