I use Start Rescue and it cost about £45 annually. Don’t pay for European cover
What is this type of insurance?
This vehicle breakdown insurance cover is an insurance policy that provides roadside assistance and recovery when your vehicle
unexpectedly suffers a breakdown in the Territorial Limits (UK).
What is insured?
Roadside Assistance.
Nationwide Recovery.
Home Assistance:
- assistance at your home address or within
a quarter mile radius/straight line from your
home address.
Breakdowns following an electrical or
mechanical failure, lack of fuel, lack of charge,
misfuel, flat battery, puncture to the vehicle or
accident which immediately renders the vehicle
immobilised.
Alternative Travel:
- up to £250 towards the reasonable cost
of alternative transport or a hire vehicle up to
1600cc;
- up to £150 towards the reasonable cost of
alternative transport for one person to return
and collect the repaired vehicle.
Emergency Overnight Accommodation:
- up to £150 for a lone traveller or £75 per
person. The maximum payment per incident is
£500.
Misfuel Assist:
Up to £250 for a recovery operator to either
recover your vehicle and the passengers to the
recovery operator’s base where a drain and
flush to your vehicle’s fuel tank can be
conducted, or to conduct the fuel drain and
flush at the roadside.
Caravans and Trailers:
- maximum length 7 metres/23 feet (not
including the length of the A-frame and hitch)
recovered with the vehicle if the vehicle cannot
be repaired roadside.
Key Assist:
- if you lose, break, or lock your keys within
your vehicle, callout and mileage back to the
recovery operator’s base or home address if
closer.
Message Service:
- two messages to your home or place of work.
What is not insured?
Assistance outside of the United Kingdom.
Assistance following Vandalism or Theft.
Driver Illness/Injury Cover.
Any vehicle not listed on the Policy Schedule as
being eligible for breakdown cover.
Breakdowns or accidents to the caravan or
trailer itself.
Minibuses, limousines, motorhomes,
horseboxes and any other vehicle not detailed
in the definition of vehicle.
Cost of Specialist Equipment.
The cost of any parts, components or materials
used to repair the vehicle.
Vehicles being used for motor racing, rallies,
rental, hire, public hire, private hire, courier
services or any contest or speed trial or practice
for any of these activities.
Costs or expenses not authorised by rescue
co-ordinators.
Any excess payable on a claim.
Are there any restrictions on cover?
Claims totalling more than £15,000 in any one
period of insurance.
Recovery must take place at the same time as
the initial callout.
Subsequent callouts for any symptoms related
to a claim which has been made within the
last 28 days, unless the vehicle has been fully
repaired at a suitable garage, declared fit to
drive by the recovery operator or is in transit
to a pre-booked appointment at a suitable
garage.
Any claim within 24 hours of the tim