GET PERSONAL BREAKDOWN
COVER FOR EVERY TRIP
- Cover up to 4 people on one policy
- Get help no matter what vehicle you’re in
- Cover for cars, vans, caravans and trailers*
What is Personal Breakdown Cover?
Get protected in any vehicle with our Personal Breakdown Cover. Whether you’re the driver or a passenger, we’ll be there to rescue you.
Cover yourself and your family by adding up to four people to a single policy.
It’s the ideal, flexible option if:
- You regularly drive different vehicles e.g. borrowing cars
- You’re often a passenger in other people’s cars
- You have access to multiple vehicles e.g. family cars, second car, van
- You want cover that follows you regardless of which vehicle you’re in
Enjoy total peace of mind knowing you’re protected no matter whose car you’re in. If the car you’re travelling in breaks down – as long as it’s under 21 years old – you’ll get the help you need, right when you need it.
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— What can CoverMy Breakdown cover include?
- Local, national or European 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
Personal breakdown cover is all about you, not your car. It means you’re covered no matter which vehicle you’re travelling in – whether you’re driving, riding shotgun, or even getting a lift with a friend.
So if the vehicle breaks down, help is on the way for you, regardless of whose car it is, as long as it’s under 21 years old. Handy, right?
In most cases, yes. Personal cover typically protects you in almost any vehicle you’re driving or travelling in, including borrowed cars or lifts from friends.
There can be some limits (like the vehicle’s age, size, or type), so it’s always worth checking the details. For example, the car can’t be more than 21 years old.
It can be – especially if you don’t stick to just one car.
If you regularly drive different vehicles, share cars, or hire cars now and then, personal cover gives you flexibility and peace of mind. You won’t need to worry about whether a specific car is covered – it’s all about you.
If you only ever drive one car, though, vehicle cover might be the more cost-effective option. It really comes down to how you use the road.
There’s no one-size-fits-all answer, it depends on your lifestyle.
- Vehicle cover is great if you mainly drive one car and want a straightforward, budget-friendly option.
- Personal cover is ideal if you’re often in different vehicles and want protection that follows you wherever you go.
In short: if your driving habits are predictable, vehicle cover does the job. If you want flexibility (and fewer things to think about), personal cover could be the better fit.
Yes, with personal breakdown cover, you’ll be covered if you’re a passenger in someone else’s car, as long as the vehicle is no more than 21 years old. So if you’re travelling somewhere with a friend and their car breaks down, you can call for help.
* 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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