Breakdown Cover
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Car breakdown
When you get a quote for your car insurance, you can choose to add our optional car breakdown cover. We offer four levels of cover – from basic roadside recovery and misfuelling to breakdown cover in Europe.
What is breakdown cover?
Breakdown cover gives you peace of mind, knowing that if your car breaks down someone will come and rescue you and your car. Our most basic car breakdown cover includes:
- UK-wide coverage
- Roadside assistance & recovery
- Misfuelling cover
- Caravan and trailer cover.
If you've already got breakdown cover and want to get in touch, please call.
Breakdown cover features and benefits
RAC
We offer four levels of breakdown cover, provided by RAC:
- Roadside
- Roadside & Recovery
- Roadside, Recovery and at home
- European motoring assistance.
If your vehicle can't be driven because of a breakdown, your insurer will arrange for the service as shown below.
| Service | Roadside | Roadside & Recovery |
Roadside, Recovery & at home |
European motoring assistance | |
|---|---|---|---|---|---|
| Misfueling in the UK | |||||
| UK-wide coverage | |||||
| Roadside assistance | |||||
| Caravan and trailer service | |||||
| Recovery away from home | |||||
| Emergency driver | |||||
| Cover at home | |||||
| Cover in Europe |
Do I need breakdown cover?
Car breakdown cover isn't a legal requirement, it’s simply to give you the reassurance of knowing you'll be covered in the event of your vehicle breaking down.
What do you do if your car breaks down?
It can be highly dangerous breaking down on fast, poorly lit or winding roads. If you've broken down, please see the following checklist for help:
- If possible, try to leave the motorway and go into a layby, service station or car park
If your vehicle isn't going to make it that far, pull up onto the hard shoulder keeping as far away from the road as possible, and park with your wheels facing left. Keep an eye out for where the nearest emergency telephone is as this directly contacts the Highways Agency or the police. - Put your hazard lights on
If visibility is poor due to bad light or weather, you can turn your sidelights on as well. If you've broken down in thick fog and you can't see more than 100 metres ahead, you can also use your rear fog lights. If you have a warning triangle don't use this on a motorway. If you're on a road and it's safe to do so, place the triangle a minimum of 50 yards (45m) behind. - Stay in a safe place
Once stationary, get out of your vehicle on the opposite side of oncoming traffic. If you have any reflective clothing, be sure to take this with you and make sure to find a safe place to wait, as far away from the oncoming traffic as possible. If there's a safety barrier – wait behind it. - Contact someone
Now's the time to contact whoever you have breakdown cover with. If you don't have a mobile phone or don't have breakdown cover, walk to an emergency phone to get in touch with the Highways Agency or police.
If you've already got breakdown cover and want to get in touch, please call:
0333 321 9818 | RAC Breakdown (UK)00 33 472 43 52 55 | RAC Breakdown (Europe)
07855 828 282 | Hard of hearing text number
Open 24 hours a day, seven days a week.