Breakdown cover claim FAQs

Your breakdown cover excess is the amount you've agreed to pay if your breakdown provider comes out to you.

You'll be able to find your breakdown cover excess amount in your policy documents.

Remember, if you require any services that aren't included in your level of cover, you may also need to pay for these.
With our breakdown cover, if you have Roadside Assist on your policy we will recover you up to 10 miles from where you've broken down. If you have UK Recovery, we will recover you to any destination of choice within the UK if the fault or damage cannot be repaired locally by the end of the working day.

If your vehicle lets you down we'll be there for you. Here's some guidance about what to do in the event of a breakdown.

If possible try to pull over to the hard shoulder or as far left or as away from the road as possible. Switch on your hazard lights and, if it's dark or the light is bad, keep your side lights on.

If you can't get your vehicle clear of the road only leave your vehicle if you can do so safely. If you cannot safely exit the vehicle and decide to stay in it keep your seat belt on at all times. If you can safely leave your vehicle leave by the passenger door and keep well back from the road on a verge or on the other side of the barrier if there is one. Keep a clear view of the oncoming traffic and don't stand in front of your vehicle. Make a note of your location and the surrounding area and call our 24 hour breakdown line on 0330 678 7111 or 01484 435 806 from your mobile, a pay phone or a motorway emergency phone when it is safe to do so. (for Text Phone dial 18001 first).

If you're driving in Europe remember to check out the country you are travelling to before you get there. Driving legislation and restrictions can differ widely between European countries and it's best to be prepared. For example if you break down on a French motorway or A road, you should contact the French police by calling from an orange emergency phone box, or dialling 112 from your mobile phone. The French police will then recover your vehicle off the motorway and charge you for the service. We will reimburse you for these charges on your return to the UK (you will need to send us the receipt as per the policy documents). Once you've been recovered off the motorway, you should then call us for assistance.

For European assistance call us on +44 1484 435806 (for Text Phone dial +44 151 494 1260).

Lines open 24 hours a day, 7 days a week. Calls will be recorded.

You can also head over to our broken down page to find out what you need to do if you have broken down and need help.

We fix over 4 out of 5 cars* at the roadside to get you moving again. With our breakdown cover, if we're unable to fix your vehicle at the roadside or it's unsafe to do so we'll tow it to a local repair centre or a destination of your choice within 10 miles.

If you choose a local repairer, you'll have to pay any repair costs directly to them. If you've purchased UK Recovery, UK Recovery & Home Assist or UK & European Assist cover and your vehicle can't be repaired by the end of the working day on which it broke down you'll be entitled to additional benefits to aid your onward journey. Please refer to the cover options for full details.

*94.7% of 54,209 customers were able to complete their journey. From Agent Performance Report December 2024 - May 2025