NATIONAL BREAKDOWN COVER FROM JUST £13.87
- Enjoy unlimited callouts
- Covers breakdowns on your driveway and across the UK
- Onward travel and emergency overnight accommodation
What is National Breakdown Cover?
National Breakdown Cover keeps you protected, wherever you are in the UK. If your vehicle breaks down, 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 National Breakdown Cover is the ideal, affordable option for:
- Drivers who travel across the country
- Commuters with long journeys to work
- Anyone wanting peace of mind for UK-wide trips and holidays
Enjoy total peace of mind
Rest easy knowing you’re covered for journeys long and short. Whether you’re stuck on the driveway or have a breakdown on the motorway, 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.
CoverMy-Breakdown-Website-images-1458-x-833-v020420265
CoverMy-Breakdown-Website-images-1458-x-833-v020420262
— What does National Breakdown cover include?
- Recovery if you breakdown at home
- Roadside recovery across the UK
- Trailers and caravans
- Misfuelling
- Onward travel
- Emergency overnight accommodation
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
- Cover for European trips
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
National Recovery means that you and your car can be transported to anywhere in the UK – not just a nearby garage.
That could be your home, your destination, or even a garage far from where you broke down. It’s especially useful if you travel long distances or don’t want to be stuck dealing with repairs far from home.
Not all policies do – but ours does!
Some National Recovery packages include ‘Home Start’ or ‘Home Cover’ as standard, while others treat it as an optional extra. ‘Home Start’ simply means you’re covered if your car breaks down at home or very close to it.
If that’s important to you (especially on cold mornings when the car refuses to wake up), it’s worth double-checking before you buy.
It varies depending on the level of cover you choose.
CoverMy vehicle breakdown policies start from as little as £13.87 a year, while our more comprehensive policies with extras like European cover can start from upwards of £55 a year.
The price depends on things like:
- Level of cover (Local vs National vs European)
- Whether you choose vehicle or personal cover
- Any add-ons (like European cover, Key cover, or Motor Legal Expenses)
In short: there’s something for most budgets, you just need to match the cover to how you drive.
Finding the “best” breakdown cover isn’t a one-size-fits-all deal, it’s all about what suits you. Instead of just picking a brand, it’s a good idea to compare what’s actually included in each policy.
Here are a few things to keep an eye out for when you’re shopping around:
- Roadside Assistance: This is your basic “Help, I’ve broken down!” cover. A mechanic will come to you, as long as you’re a short distance from home (usually more than a quarter of a mile).
- Recovery: If your car can’t be fixed there and then, this feature is your knight in shining armour. It’ll tow you and your car to a UK destination of your choice, like your home or a trusted garage.
- Home Cover: Also known as ‘home start’, this is for those frustrating moments when your car decides not to start right on your doorstep.
- Onward Travel: If your car needs a longer stay at the garage, this option helps you continue your journey. It could cover a hire car, alternative transport, or even an overnight hotel stay.
- Response Times & Call-Out Limits: Check the small print for these. You’ll want to know how quickly you can expect help and if there’s a cap on how many times you can call for assistance in a year.
- Excess: Some policies require you to pay an excess fee each time you call for help. Check if this applies, as it can affect the overall cost-effectiveness of your cover.
- Vehicle vs Personal Cover: Do you want to cover a specific car, no matter who’s driving? That’s vehicle cover. Or do you want to be covered in any car, even as a passenger? That’s personal cover.
Ultimately, the “best” policy will match your driving habits. A city driver will likely have different needs than someone who loves long motorway road trips.
* An excess may apply depending on the policy you choose.
[1] xxxxxxxxxxxxx.
[2] xxxxxxxxxxxxx.
[3] xxxxxxxxxxxxxx.