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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.
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Hastings Insurance Services Limited, trading as insurePink, is authorised and regulated by the Financial Conduct Authority (register number 311492). Registered Office: Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW. Registered in England and Wales no. 3116518. All policies are subject to English Law.

Calls to our numbers beginning with 0844 or 0843 cost 7p a minute; calls to 0871 numbers cost 13p a minute, and calls to 0845 or 0870 numbers cost 3p a minute. Your phone company will also charge you a fixed access fee when you make a call to any of these numbers. Please contact your phone company for their call access charges. Calls to 0800 or 0808 numbers are now free from mobiles as well as landlines. Calls to 03 numbers cost no more from mobiles and landlines than national rate calls, and count towards any inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded for our mutual protection.

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