Roadside help when your vehicle lets you down

UK BREAKDOWN
COVER

Choose cover for breakdown assistance and recovery across the UK.

Vehicles are repaired at the roadside

6x Platinum Award Winner

Average response time

Assistance in the UK

Everyday journeys and longer trips

A breakdown can interrupt your commute, a family trip or an essential journey. Eversure UK Breakdown Cover gives you access to roadside assistance and recovery services when a vehicle breaks down.

Vehicle or Personal Cover

Vehicle cover protects a specific vehicle, regardless of who is driving, while Personal Cover protects you when travelling in a car or motorcycle (up to 16 years old and size restrictions apply), whether you’re the driver or a passenger. We offer both types of cover, so you can choose the one that best suits your needs.

Travelling to Europe?

We can cover you there too. Choose European Breakdown Cover when you take out your policy and you’ll be good to go from day one.

What’s covered by UK Breakdown Cover?

Choose from Silver, Gold or Platinum cover. What’s included depends on the level you choose, so check the benefits shown with your quote and the policy wording before you buy.

For a full list of what can be covered, please see policy wording

Roadside assistance–24/7 roadside assistance in the UK.
Up to 60 minutes of roadside assistance–Recovery options considered if repair is unsuccessful.
Local recovery–Recovery within 25 miles of the breakdown location where the vehicle cannot be repaired at the roadside.
National recovery–Recovery of the vehicle to your home address
Onward travel–If your vehicle can’t be repaired the same working day.
Overnight accommodation–If your vehicle can’t be repaired the same working day.
Caravan recovery–When towing vehicle breaks down.

Optional extras*

Key cover up to £1,500–For your car and/or house keys
Motor excess protection–Options up to £1,000 following a non-fault claim.
Guaranteed vehicle hire–Options up to 28 days following a road traffic collision.
Home Assist–Help at, or within 1 mile from, your home address
Misfuelling cover

*For all core cover and optional extras, benefits, limits and exclusions depend on the policy selected. Check your policy documents.

Key exclusions and restrictions include:

Policy excess–Any excess shown on the certificate of insurance.
Pre-existing and early breakdowns–Breakdowns that happened before the policy started or within 48 hours of purchase.
Ineligible vehicles–Vehicles that do not meet the requirements for the type of cover selected, fall outside the policy age, weight or size limits, or have not been kept roadworthy and road legal.
Journey limits–Journeys outside the territorial limits or longer than the permitted trip duration.
Commercial and specialist use–Hire and reward, courier services, sporting events, off-road use and commercial travelling.
Caravan-only incidents–Breakdowns or accidents affecting only the caravan.
Accident, theft, fire or vandalism–Assistance and recovery in this instance should be covered under motor insurance.
Parts and repair costs–Parts, components, materials, labour and other repair costs not covered by the policy.
Costs arranged without the required authorisation.

*Check your policy documents for additional details and the full list of exclusions.

Policy excess
Pre-existing and early breakdowns
Ineligible vehicles
Journey limits
Commercial and specialist use
Caravan-only incidents
Accident, theft, fire or vandalism
Parts and repair costs
Costs arranged without the required authorisation.

Do I need UK Breakdown Cover?

UK Breakdown Cover is not a legal requirement. However, without cover you may need to arrange and pay for roadside assistance or recovery yourself if your vehicle breaks down. Some car insurance policies include breakdown cover, but this is often limited, so it’s worth checking what you already have. The right policy can provide help at the roadside and, depending on the option selected, recovery and onward travel, so you’re never left stranded.

Roadside help around the clock

Access to 24-hour breakdown assistance following a breakdown in the UK.

Recovery if the vehicle cannot be repaired

If your vehicle can’t be repaired at the roadside, we’ll recover you locally or nationwide, depending on your circumstances.

Options to keep your journey moving

Onward travel, transport or emergency accommodation if repairs cannot be completed the same working day.

Policy Wording

Insurance Product Information Document (IPID)

How UK Breakdown Cover works

From choosing your cover to requesting assistance, here is how Eversure UK Breakdown Cover works.

Choose your cover

Vehicle Cover covers one single vehicle and you input the relevant registration.

Personal Cover covers the insured person when travelling in any car or motorcycle that is up to 16 years old and not exceeding 3,500kg gross weight, 7 metres length, 2.25 metres width and 3 metres height. Note: vans and van derived vehicles such as motorhomes and campervans are excluded.

Select Silver, Gold or Platinum for the cover that suits your needs. Excess schemes are also available, offering a reduced premium with an excess payable per breakdown.

Review the benefits, exclusions and limitations

Purchase your chosen policy

Following a purchase, you will receive an email with your full documentation. This includes the certificate of insurance which confirms the policy type, insured vehicle or person, period of cover, territorial limits, benefits and any excess.

The certificate of insurance contains your 24-hour assistance number ensure you can access the document in the event of a breakdown, or take note of the number elsewhere.

If your vehicle break down

If you need breakdown assistance:

Move to a safe place and follow local road-safety rules
Contact the assistance provider shown on your certificate as soon as possible
Have your policy details, vehicle registration and exact location ready
Do not arrange recovery, accommodation, transport or repatriation without the required authorisation
Keep receipts and documents where the assistance provider tells you that reimbursement applies

The assistance provider will assess the situation and arrange the next steps according to the policy selected.

Keep your policy up to date

Adjustments
Contact Eversure if relevant details change, including your home address or vehicle registration.
Requested changes do not take effect until Eversure has confirmed them.

Cancellations
If you need to cancel your policy, please refer to your policy documents for the applicable cancellation terms.

Please use our contact form for adjustments and cancellations.

Need help right now?

Find your assistance number here

Get the right cover in place before you need it.

Choose UK Breakdown Cover built around how and where you drive.

Frequently asked questions

Answers to the questions people ask us most.

All FAQ

The process followed if you break down is explained in the policy wording for each policy, the distances will vary according to policy, but they all generally respond in the same way. It’s important to understand what happens in the event of a breakdown. If you know what to expect from your policy, it avoids confusion, stress and the potential for disappointment if you find you’re not getting what you expected.

Because all of the policies we sell behave slightly differently, you should take a look at the policy wording for the one you’re looking at. This is usually found on the comparison table, or as a link on the cover summary page before you buy. To make it as easy as possible, this information is all on the first page of the policy wording for each of the policies we sell.

Home Start

If your policy has Home Start, this will provide the facility whereby someone will attend your home address and try and get you going again. If this can’t be done, the policy may provide for recovering you to a garage nearby where you’ve broken down.

Local Recovery

Typically, this will be within around 20 miles of home, but please check this as it varies from policy to policy. If you breakdown under these circumstances and we can’t get you going at roadside, you’ll be recovered to a local garage or to your home.

National Recovery

Once you’re further away from home than local recovery allows, if you breakdown you’ll receive roadside assistance if the problem is likely to be fixable roadside. If not, you’ll be towed to a local garage to where you’ve broken down. Only if the repairs can’t be made within 48 hours of the breakdown occurring, you will either be recovered home, recovered to your destination or overnight accommodation becomes an option. We don’t sell a policy that will immediately take you home if you break down and this is not an optional upgrade.

European Recovery

This typically operates in a similar way to National Recovery, but because the amounts of cover and processes are all a bit different, you really should read the policy wording to make sure you understand what will happen in the event you breakdown. Usually these policies will include a section around repatriation which explains what happens if your vehicle can’t be repaired on the continent.

Read our useful guides

Guidance to help you prepare for journeys, understand warning lights and respond safely to a breakdown.

Visit the blog

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