LOCAL BREAKDOWN COVER
FROM JUST £18.86

  • Unlimited callouts
  • Covers breakdowns on your driveway to 25 miles from home
  • Add extra cover for Keys, Motor Legal fees and more

What is Local Breakdown Cover?

Local Breakdown Cover keeps you protected when you’re close to home. If your vehicle breaks down within 25 miles of your house, we’ll send a recovery vehicle to help. It also includes Home Cover as standard, which means we’ll come to you even if your car won’t start on your driveway.

You can choose a policy that covers up to 4 specific vehicles or select personal cover that protects you in any vehicle you’re travelling in.

 

Save time and money

Our Local Breakdown Cover is the ideal, affordable option for:

  • Drivers who mostly stick to their local area
  • Commuters with a short journey to work
  • Anyone wanting peace of mind for local trips and school runs

 

Enjoy total peace of mind

Rest easy knowing you’re covered for those everyday journeys. Whether you’re stuck on the driveway or have a breakdown on a local road, you’ll get the help you need, right when you need it. You can relax because we’ll be there for you, no matter what.

Get a quick quote for breakdown cover today

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— What does Local Breakdown cover include?

  • Recovery if you breakdown at home
  • Roadside recovery up to 25 miles from home
  • Trailers and caravans
  • Misfuelling

With the choice to add extra cover for:

  • Lost or stolen keys, including if you accidentally lock them inside your vehicle
  • Motor Legal costs, if you’re involved in a motor incident
  • Parts and labour
  • Excess payments, if you need to make a claim

Why choose CoverMy Breakdown Insurance?

5* Defaqto rated Breakdown Cover

No call-out charges, unlike other providers*

Cover for misfuelling as standard

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

— CoverMy Breakdown Insurance FAQs

It depends on how far you usually drive.

Local breakdown cover is ideal if you mostly stick to short journeys or drive around your local area. It’s usually more budget-friendly and focuses on nearby recovery.

National breakdown cover gives you wider protection across the country, which is better if you travel long distances, commute far, or like road trips without worrying about where you might break down.

If you’re unsure, think about your typical driving week – your mileage usually gives the answer.

It depends on the provider, but ours does!

Many breakdown cover plans include ‘Home Cover’, or ‘Home Start’ assistance, meaning they’ll help you if your car won’t start on your driveway.  Others only cover breakdowns that happen away from your registered home address, typically at a distance of a quarter of a mile or more.

With our policy, you’re covered whether you’re in the supermarket carpark or in your own garage. It can make a big difference on those cold mornings when the car refuses to cooperate.

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.

* An excess may apply depending on the plan you choose.

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