Roadside help for your journey across Europe

EUROPEAN
BREAKDOWN COVER

Choose single-trip or annual cover for assistance in the UK and eligible European countries.

Vehicles are repaired at the roadside

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Assistance in the UK and Europe

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.

Single trip or annual

Choose single-trip cover for a singular European journey. Choose annual cover if you plan to travel more than once, with each European trip covered for an optional 30, 60 or 90 days.

What’s covered by European breakdown cover?

Eversure European Breakdown Cover gives UK residents access to roadside assistance and recovery services in the UK and Europe.

The benefits, countries and limits depend on the policy selected. Check the quote and documents before purchasing.

Roadside assistance–24/7 roadside assistance in the UK and Europe.
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.
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.
European Motorway recovery charges
Repatriation–Vehicle and passenger.
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.

*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.
Parts and repair costs–Parts, components, materials, labour and other repair costs not covered by the policy.
Accident, theft, fire or vandalism–Assistance and recovery in this instance should be covered under motor insurance.
Costs arranged without the required authorisation.
Uneconomical repatriation–Repatriation costing more than the vehicle’s market value.

*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
Parts and repair costs
Accident, theft, fire or vandalism
Costs arranged without the required authorisation.
Uneconomical repatriation

Do I need European breakdown cover?

European Breakdown Cover is not a legal requirement, but roadside recovery, onward travel and returning a vehicle to the UK can be difficult and expensive to arrange independently. A suitable policy gives you an assistance number to call and can provide roadside help, recovery and other benefits according to the cover selected.

Help across Europe

Access to assistance during your trip through the countries covered by the selected policy.

Options to keep your trip moving

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

Getting you and your vehicle home

Repatriation to the UK may be provided where repairs cannot be completed and the policy conditions are met.

Single Trip Policy Wording

Single Trip Insurance Product Information Document (IPID)

Single Trip Terms of Business

Annual Trip Policy Wording

Annual Trip Insurance Product Information Document (IPID)

Annual Trip Terms of Business

How European breakdown cover works

From choosing your policy to requesting assistance abroad, here is how Eversure European Breakdown Cover works.

Choose the cover that suits your journey

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.

You will then have to confirm your travel dates, choose UK or European cover, and confirm the vehicle details requested.

Review the countries and journey period

Check that every country on your planned route is within the territorial limits and that the complete journey falls within the policy dates and maximum trip duration.

Review the benefits, exclusions and limitations

When you have selected your quote, there is a policy overview outlining the terms of the cover. You will also have access to the full policy wording and product information document. Please review these carefully to ensure the cover is appropriate for your needs.

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 breaks down

Move to a safe place and follow local road-safety rules
Use an emergency phone where local motorway rules require it
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
If your circumstances change, update your policy so that it continues to reflect the correct details.

This may include a change of address, adding or changing drivers, or changing the vehicle covered by the policy.
Requested changes do not take effect until Eversure has confirmed them in writing and any additional premium has been collected. An admin fee may apply for mid-term adjustments.

Cancellations
If you need to cancel your policy, please note that your setup fee is non-refundable and outside of the 14 day calling-off period there is no refund due.

Please use our contact form for adjustments and cancellations.

Need help right now?

Find your assistance number here

Take the right backup on your European journey.

Choose single-trip or annual European Breakdown Cover before you set off.

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 your vehicle, plan a European road trip and understand what to do if you break down abroad.

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