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- 20% online discount
- Designated personal claims handler
- FREE confidential advice line.
- Underwritten by a leading insurer
Frequently Asked Questions
European Breakdown Insurance
Q: What is not covered by EU 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 a year.
- Loss of fuel or keys
- Broken glass
- Vehicles immersed in mud, snow, sand or water
- Keys locked in vehicle
- Cars Vans & Motorcycles over 3.5 tonnes in weight
- Any campervan or any vehicle modified to provide living accommodation.
- Vehicles immobilised outside of the European Union
For full details of cover and specific exclusions please read the Key Facts.
Q: Does cover extend to an attached caravan or trailer?
A: Yes, up to a maximum of 25 feet in length.
Q: Does continental cover extend to 365 days?
A: No. For continental cover, each individual trip made must not exceed 31 days. The total number of days abroad in any one 12-month period must not exceed 60 days.
Q: Who is eligible for European Breakdown Insurance?
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: If the vehicle cannot be repaired within one hour at the scene of the breakdown, we will pay the cost of transporting the vehicle to one of our approved repairers.
Q: What if my vehicle repairs cannot be completed on the same day as the breakdown?
A: In this case, you will be offered one of the following options:
- The cost of transporting your vehicle, driver plus up to 4 passengers to a destination within the EU up to the value of the vehicle.
- Hotel accommodation costs for the driver plus up to 4 passengers up to £50.00 per person per night, up to a maximum of £500 per claim.
- The cost of hiring a replacement vehicle, no more than £50 per day for no more than 7 days in any one claim.
Q: Is my European Breakdown Insurance 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.