VEHICLE BREAKDOWN COVER
FROM JUST £15.83
- Cover up to 4 vehicles on one policy
- Get help no matter who’s behind the wheel
- Cover for cars, vans, caravans and trailers*
What is Vehicle Breakdown Cover?
Protect your whole family with one simple plan. Our breakdown cover for cars and vans is the perfect way to keep every car in your household safe, no matter who’s behind the wheel. Add up to 4 cars on a single, easy-to-manage policy for hassle-free protection.
Save time and money
Cover up to four different vehicles under a single policy, each up to 21 years old. It’s the ideal, flexible option for:
- Families with multiple cars
- Parents whose kids borrow their car for the weekend
- Households with young drivers
- Households with cars and vans
Enjoy total peace of mind
Rest easy knowing anyone driving a vehicle named on your policy is protected. If one of your kids has a breakdown, they’ll get the help they need, right when they need it. You can relax because we’ll be there for you and your loved ones, no matter what.
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— What can CoverMy Breakdown cover include?
- Local, national or European roadside recovery
- Cover if you breakdown at home
- Onward travel
- Emergency Overnight Accommodation
- Trailers and caravans
- Misfuelling
- Lost or stolen keys, or keys accidentally locked inside your vehicle
- Parts and labour
- Motor legal protection
Compare Breakdown Cover plans
From £18.86 a year
Benefits
Home start
If your car breaks down at or near home, we’ll still come out and help get you back on the road.
Local recovery
We’ll take your vehicle to a nearby garage or destination within a set distance.
National recovery
We’ll get you, your passengers and your vehicle to any destination in the UK.
–
European recovery
Breaking down in Europe? You’re covered for roadside help and recovery while you’re away.
–
Trailer & caravan
If you’re towing a trailer or caravan, we’ll make sure that’s recovered too.
Misfuelling
Put the wrong fuel in by mistake? We’ll drain and flush your system to get you back on track.
Onward travel
If you can’t continue your journey, we’ll help you get moving again with options like a hire car or public transport.
–
Emergency overnight accommodation
If your vehicle can’t be fixed the same day, we’ll cover a place for you to stay overnight.
–
Excess
Choose what excess you pay towards each breakdown claim.
£0 or £30 per breakdown
Key cover
Covers lost, stolen, or damaged car keys, including replacement and repairs.
Add-on
Up to £1,500
Motor legal expenses
Helps cover legal costs if you’re in a non-fault accident.
Add-on
Up to £75,000
Parts and labour
Covers repair costs following a vehicle breakdown.
Add-on
Up to £500
From 13.87 a year
Benefits
Home start
If your car breaks down at or near home, we’ll still come out and help get you back on the road.
Local recovery
We’ll take your vehicle to a nearby garage or destination within a set distance.
National recovery
We’ll get you, your passengers and your vehicle to any destination in the UK.
European recovery
Breaking down in Europe? You’re covered for roadside help and recovery while you’re away.
–
Trailer & caravan
If you’re towing a trailer or caravan, we’ll make sure that’s recovered too.
Misfuelling
Put the wrong fuel in by mistake? We’ll drain and flush your system to get you back on track.
Onward travel
If you can’t continue your journey, we’ll help you get moving again with options like a hire car or public transport.
Emergency overnight accommodation
If your vehicle can’t be fixed the same day, we’ll cover a place for you to stay overnight.
Excess
Choose what excess you pay towards each breakdown claim.
£0 or £30 per breakdown
Key cover
Covers lost, stolen, or damaged car keys, including replacement and repairs.
Add-on
Up to £1,500
Motor legal expenses
Helps cover legal costs if you’re in a non-fault accident.
Add-on
Up to £75,000
Parts and labour
Covers repair costs following a vehicle breakdown.
Add-on
Up to £500
Single trip from £15.83 a year
Benefits
Home start
If your car breaks down at or near home, we’ll still come out and help get you back on the road.
Local recovery
We’ll take your vehicle to a nearby garage or destination within a set distance.
National recovery
We’ll get you, your passengers and your vehicle to any destination in the UK.
European recovery
Breaking down in Europe? You’re covered for roadside help and recovery while you’re away.
Trailer & caravan
If you’re towing a trailer or caravan, we’ll make sure that’s recovered too.
Misfuelling
Put the wrong fuel in by mistake? We’ll drain and flush your system to get you back on track.
Onward travel
If you can’t continue your journey, we’ll help you get moving again with options like a hire car or public transport.
Emergency overnight accommodation
If your vehicle can’t be fixed the same day, we’ll cover a place for you to stay overnight.
Excess
Choose what excess you pay towards each breakdown claim.
£0 or £30 per breakdown
Key cover
Covers lost, stolen, or damaged car keys, including replacement and repairs.
Add-on
Up to £1,500
Motor legal expenses
Helps cover legal costs if you’re in a non-fault accident.
Add-on
Up to £75,000
Parts and labour
Covers repair costs following a vehicle breakdown.
Add-on
Up to £500
Compare Breakdown Cover plans
Benefits
Local Cover
From £18.86 a year
National Cover
From 13.87 a year
European Cover
Single trip from £15.83 a year
Home start
If your car breaks down at or near home, we’ll still come out and help get you back on the road.
Local recovery
We’ll take your vehicle to a nearby garage or destination within a set distance.
National recovery
We’ll get you, your passengers and your vehicle to any destination in the UK.
–
European recovery
Breaking down in Europe? You’re covered for roadside help and recovery while you’re away.
–
–
Trailer & caravan
If you’re towing a trailer or caravan, we’ll make sure that’s recovered too.
Misfuelling
Put the wrong fuel in by mistake? We’ll drain and flush your system to get you back on track.
Onward travel
If you can’t continue your journey, we’ll help you get moving again with options like a hire car or public transport.
–
Emergency overnight accommodation
If your vehicle can’t be fixed the same day, we’ll cover a place for you to stay overnight.
–
Excess
Choose what excess you pay towards each breakdown claim.
£0 or £30 per breakdown
£0 or £30 per breakdown
£0 or £30 per breakdown
Key cover
Covers lost, stolen, or damaged car keys, including replacement and repairs.
Add-on
Up to £1,500
Add-on
Up to £1,500
Add-on
Up to £1,500
Motor legal expenses
Helps cover legal costs if you’re in a non-fault accident.
Add-on
Up to £75,000
Add-on
Up to £75,000
Add-on
Up to £75,000
Parts and labour
Covers repair costs following a vehicle breakdown.
Add-on
Up to £500
Add-on
Up to £500
Add-on
Up to £500
Why choose CoverMy Breakdown Insurance?
5* Defaqto rated Breakdown Cover
No call-out charges, unlike other providers**
Cover for misfuelling as standard
— CoverMy Breakdown Insurance FAQs
You can add cars and vans to your policy – as long as they’re for personal use. Unfortunately, we can’t cover vehicles used for commercial purposes like courier services, driving instruction, or hire.
Your vehicle will also need to meet the following size and weight limits:
Cars and Vans:
- Must weigh no more than 3.5 tonnes.
- Must be no longer than 5.5 metres (18 feet).
- Must be no wider than 2.3 metres (7.5 feet).
Your policy will also cover any caravans or trailers being towed by your insured vehicle as long as it meets the following requirements.
Caravans and Trailers:
- Must weigh no more than 3.5 tonnes.
- Must be no longer than 7.0 metres (23 feet), not including the tow bar.
- Must be no wider than 2.44 metres (8 feet).
Our policies cover cars and vans as long as each vehicle is 21 years old or younger.
Your caravan or trailer isn’t covered by itself under your policy. However, we’ll cover it if it’s attached to your insured vehicle during an incident, as long as it meets these requirements.
Caravans and Trailers:
- Weighs 3.5 tonnes or less.
- Is 7.0 metres (23 feet) or shorter, not including the tow bar.
- Is 2.44 metres (8 feet) wide or less.
We don’t provide cover for vehicles used for commercial purposes, such as for courier services, driving instruction, or hire. All cars and vans on the policy must be personal use only.
Usually, no – vehicle breakdown cover is tied to your specific car, so it won’t automatically extend to rental vehicles.
If you’re planning to hire a car, it’s worth checking your policy details or considering personal cover, which often includes protection in hired vehicles too. A quick check now can save you a headache later.
It depends on what you need.
Vehicle cover is often the cheaper option because it’s tied to a single car, or four.
Personal cover can cost a bit more, but it covers you in any vehicle – whether you’re driving, catching a lift, or even travelling in a taxi.
If you’re usually behind the wheel of the same car, vehicle cover might suit you. If you’re always on the move in different cars, personal cover could be worth the extra cost.
Unfortunately, we don’t offer breakdown cover for motorbikes, or motorcycles.
* We cover caravans and trailers towed by an insured vehicle, provided they weigh 3.5 tonnes or less, are 7.0 metres (23 feet) or shorter (excluding the tow bar), and are 2.44 metres (8 feet) wide or less.
** An excess may apply depending on the policy you choose.
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