Breakdown cover

Policy Expert offers three levels of breakdown cover.

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  With our Roadside Assistance and Nationwide Recovery Cover

  you are covered for up to 60 minutes roadside labour, breakdowns following an electrical or mechanical failure, flat battery, misfuel or lack of fuel, or a puncture if it immediately means your car in unable to move. Additionally, you have access to cover for alternative transport costs, emergency overnight accommodation and key assist if you lose, break or lock your keys within your car.

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  Our Roadside Assistance and Recovery Home Assist Cover

  Roadside assistance, recovery and at home provides the same cover but labour is covered at or within a quarter mile of your home.

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  Finally, Roadside and Recovery Home Assist and European Cover

  extends this cover to include European assistance as well, so you can travel with peace of mind.

Breakdown cover protects you from a sudden breakdown which renders your car immobile, but some situations aren’t covered. For a full list of what isn’t insured, please check the breakdown cover policy wording and insurance product information document – you can find these in your customer account with your other policy documents. If you’re not yet a customer, an example copy can also be found on our website.

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  Vehicles not listed on your policy schedule

  The cover only protects cars that you've named on your policy schedule.

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  Breakdown caused by

  overloading or by carrying more passengers than it was designed to carry.

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  Any breakdown outside of your period of insurance

  or within the first 24 hours of first purchasing breakdown cover.

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  The cost of:

  any parts or materials used to repair your vehicle.

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  Vehicles used for:

  public or private hire.