Why Choose LawShield?

  • 20% online discount
  • Designated personal claims handler
  • FREE confidential advice line.
  • Underwritten by a leading insurer

Frequently Asked Questions

Commercial Breakdown Insurance

Q: What is not covered by Commercial Breakdown?
A: The following are not covered:

  • Claims within the first 48 hours from the date of inception.
  • Labour charges in excess of one hour.
  • The cost of any replacement parts or materials used in the repair.
  • Any toll, ferry, parking or traffic congestion charges.
  • Any storage charges incurred during or after the use of our services.
  • No more than 6 call outs during the period of cover.
  • Loss of fuel or keys
  • Broken glass
  • Vehicles immersed in mud, snow, sand or water
  • Keys locked in vehicle
  • Incorrect fuel in vehicle
  • Wheels changes without a serviceable spare tyre
  • Any costs involved in the transportation of passengers
  • Vehicles under 3.5 tonnes or over 16 tonnes in weight
  • Vehicles immobilised outside of the United Kingdom

For full details of cover and specific exclusions please read the Key Facts.

Q: Who is eligible for cover?
A: Any permanent UK resident.

Q: When can I make a claim?
A: Your cover commences on the day we process your acceptance form and lasts a year. However, to prevent fraudulent claims on pre-existing problems (therefore keeping premiums low), you cannot make a claim in the first 48 hours of cover. Of course, this waiting period will not apply in your second and subsequent years of cover.

Q: How do I make a claim?
A: In the event of a breakdown simply call the claims helpline and provide the operator with your name, registration number of vehicle, the exact location of your vehicle, the nature of the breakdown and your policy number.

Q: Will your recovery operator come out at any time?
A: Yes. That's the benefit of our 24 hour, 365 day Emergency Helpline. Whenever you breakdown - at night, during the weekend or on a Bank Holiday - we'll be there to help.

Q: How long will it take for your recovery operator to come out?
A: Using a network of accredited recovery operators we will always attempt to attend the scene of the breakdown as quickly as possible. Our present average attendance time is 30-40 minutes.

Q: What happens after I call you?
A: We will arrange for one of our recovery operators to attend the location given as quickly as possible. We will pay the call out charge and up to one hour's labour costs for one of our approved repairers to attend the scene of the breakdown and where possible carry out emergency repairs.

Q: What if my vehicle cannot be successfully repaired at the scene of the breakdown?
A: In this case, we will pay the cost of recovery of the vehicle to the nearest suitable garage able to effect a repair. Alternatively we will pay for the cost of recovery to your onward destination or home address whichever is nearest.

Q: What if my vehicle repairs cannot be completed within an agreed reasonable period?
A: In this case, you will be offered one of the following options:

  • The cost of alternative road/rail travel for the driver from the scene of the breakdown to one destination within the territorial limits stated in the policy, plus a return journey for one person to collect the vehicle upon completion of repairs.
  • The cost of overnight accommodation in the vicinity of the breakdown for the driver up to £40 per night.
  • The recovery of the vehicle and the driver to any one destination within the territorial limits of the policy.

Q: Is my cover transferable if I change vehicle?
A: Yes, Just let us know your new registration number immediately and we'll transfer the cover. You are however only covered for the new vehicle if you have notified us of the change prior to a breakdown. Temporary changes of vehicles are excluded from this policy.

Q: What if I move address?
A: Assistance at your home is only covered at the address registered at inception. If you change address please notify us immediately.