Motor Breakdown Cover for Driving Instructors and Courier Drivers
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There’s never a good time for your car to break down, but if your vehicle is key to your livelihood, there’s additional stress that comes with it. UK Sure Motor Breakdown Insurance for Driving Instructors will ensure that if you break down there’s a trained professional on hand to get you back on the road as quickly as possible.
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What you need to know
UK Sure Motor Breakdown Insurance for Driving Instructors comes in multiple levels.
What does 'Standard Recovery' cover?
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Help to repair your vehicle at the roadside in the UK when you are more than ¾ mile from your home.
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If your vehicle cannot be repaired within 60 minutes, your vehicle, you, and the passengers will be transported to the nearest garage (within 20 miles).
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If recovery to the nearest garage is not possible or the repair cannot be made the same day, your vehicle, you and the passengers will be transported to your home or a chosen destination, provided this is 20 miles or less from where the breakdown took place.
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Recovery of a trailer or caravan if attached to your vehicle.
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Misfuelling cover – up to £250 to pay for the cost of draining incorrect fuel, and replacement with up to 10 litres of correct fuel
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Key cover – to recover you to your home or a garage/dealership if you lose or break your keys or lock your keys in your vehicle
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What does 'National Recovery' cover?
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Everything covered by the Standard Recovery policy but with additional nationwide recovery.
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Recovery of your vehicle if you are medically unfit to drive.
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Overnight accommodation or alternative travel as an alternative to recovery.
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What does 'National Plus' cover?
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All the same benefits as National Recovery plus help to repair your vehicle at home or within ¾ mile from home.
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What does 'European' cover?
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Assistance provided both within the UK and Europe.
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Cover/benefits in the UK are the same as those under National Recovery.
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Cover benefits in Europe
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Help to repair your vehicle at the roadside.
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Up to £150 towards reimbursement of costs of being towed to a place of safety following a breakdown on a motorway or major public road in France and some other European countries.
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If your vehicle cannot be repaired within 60 minutes, your vehicle, you, and the passengers will be transported to the nearest garage.
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If your vehicle cannot be repaired the same day, alternative transport (up to £500) and/or emergency accommodation (up to £1,000 in total per breakdown) cover whilst your vehicle is being repaired.
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Suitable cover in the event of a breakdown near the end of your trip if there is insufficient time to repair the vehicle.
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What does 'European Plus' cover?
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Everything covered by European Recovery plus help to repair or recover your vehicle at home or within ¾ miles from home.
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What aren't you covered for?
Our policy doesn’t cover:
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Any breakdown that occurs within the first 48 hours from the start date of your policy, or before the vehicle was placed on cover or upgraded from a lower cover level.
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Any breakdown caused by failure to maintain the vehicle in a roadworthy condition, or assistance if the vehicle is untaxed or uninsured.
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Costs incurred in respect of a recovery further than 20 miles for Standard Recovery.
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Faults, or symptoms from faults, which you have not repaired or remedied where you have requested a callout from our roadside agent within the previous 28 days.
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Suitable for
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Driving instructors.
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Those with private vehicles less than 15 years in age.
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People with light commercial vehicles less than 10 years in age.
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Not suitable for
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Those with vehicles weighing over 3,500kg.
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People driving a minibus, motorhome, horsebox or limousine.
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Those planning European trips exceeding 90 days.
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Why buy a Motor Breakdown Insurance for Driving Instructors policy with UK Sure?
Our insurance policies are straightforward, affordable and can be bought online in minutes.
Whether you have a flat tyre, engine fault, or an electrical issue, breaking down on the road can be a nightmare, especially if your car is fundamental to your livelihood. Taking out a Motor Breakdown for Driving Instructor policy with UK Sure could make that nightmare scenario a little more bearable by ensuring there’s a trained professional on hand to try to fix your vehicle and get you back on the road. Or, if repair isn't possible on the spot, you'll get transport to your home or the nearest garage.
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At UK Sure, we offer multiple levels of cover, so you can find the right policy for your needs, from nationwide assistance to cover for trips to Euro
Policy Documents
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This insurance is arranged by Stubben Edge who is also the policy administrator and is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Limited.
Motor Breakdown Insurance FAQs
What is Motor Breakdown Insurance for Driving Instructors?
Motor breakdown insurance ensures that, if the vehicle you use for your driving instructor business breaks down, a trained professional will be sent out to get you back on the road or, if this is not possible, to transport you to your home (within 20 miles) or the nearest garage.
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How can Motor Breakdown Insurance Driving Instructors protect you?
When it comes to our insurance policies, we hope you’ll never have the misfortune of needing to make a claim. But, if you do, Motor Breakdown Insurance gives you peace of mind that you won’t have to pay a large sum of money out of your pocket if you do break down.
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Does regular car insurance cover me for breakdown?
Typically, your regular car insurance doesn’t cover breakdown recovery. It generally only covers costs and compensation for damage or injury caused by an accident. You need to add breakdown cover to your policy to ensure your car will be repaired or recovered in the event of a breakdown.
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Does my breakdown cover include tyres?
Yes, our breakdown cover does include replacement of punctured tyres, provided you are carrying your legally required spare.
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Does breakdown cover pay for repairs
Yes, breakdown cover does pay for the roadside repair of your vehicle or for recovery to a garage, provided it is 20 miles or less from the scene of the breakdown. However, it does not cover repair and labour costs beyond 60 minutes at the scene of the breakdown or for any additional parts or materials used for the repair.
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Is roadside assistance the same as breakdown cover?
Roadside assistance is a basic form of breakdown cover that sends someone out to the scene of the breakdown to try to repair your vehicle.
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Am I covered if my vehicle is involved in a crash?
No, our policy does not cover you for breakdowns that occur as a result of your vehicle being involved in an accident.
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Am I covered if I breakdown at home?
If you take out National Plus cover, you also receive home assist, which ensures help is sent to your home or within ¾ of your home address. Lower levels of cover will only assist you if you break down more than ¾ of a mile from your home.
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Where am I covered?
If you have chosen cover Levels European or European Plus, cover is provided in the countries listed under the definition of “Territorial Limits (Europe)” which can be found in the Definitions section at the end of the Policy Document.
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Is there and excess
With our policy, you can opt for a low or zero-excess option.
However, it's important to note that the cost of your excess will depend on the policy options you choose and if you opt for no excess this will increase your premiums.