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Motor Breakdown Insurance
You can’t guarantee that you won’t break down, but you can ensure that, if you do, you’ll have cover in place. Depending on the level of cover chosen, with UK Sure motor breakdown insurance, you get help with your vehicle when you need it most. If you break down, you can rest assured that there’s a trained professional on hand to try to fix your car.
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Suitable for
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Private cars or motorcycles aged 15 years or less
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Light commercial vehicles aged 10 years or less
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The UK, Channel Islands, Isle of Man, and certain European countries under European and European Plus cover
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Not Suitable for
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Vehicles weighing over 3,500kg
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People driving a minibus, motorhome, horsebox or limousine
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For European trips exceeding 90 days.
Levels of Breakdown Cover
Standard Recovery
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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.
National Recovery
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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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National Plus
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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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European
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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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European Plus
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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.
Meet the team
Insurance policies
Our insurance policies are straightforward, affordable, and can be bought online in minutes!
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Experiencing a breakdown of a flat tire, engine problem, or electrical issue can be a daunting experience, especially when your car is essential for your work. With a Motor Breakdown Insurance policy from UK Sure, you can alleviate some of that stress, knowing a trained professional will be available to assist with repairs or provide transportation to your home or the nearest garage if necessary.
At UK Sure, we provide various coverage options, allowing you to select the policy that best suits your needs, whether you require nationwide assistance or coverage for trips to Europe.
Policy Documents
Meet the team
Frequently Asked Questions
Question: What is a motor breakdown cover?
Breakdown cover, or breakdown insurance, provides roadside assistance and vehicle recovery to help you get on your way. If your car breaks down on the motorway or fails to start in the morning, having breakdown cover can help you get it fixed or towed to the nearest garage.
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Question: How can motor breakdown insurance protect you?
The thing about Motor Breakdown Insurance is you'll hopefully never need to use it. But that doesn’t mean your premium goes to waste if you don’t. Motor Breakdown Insurance gives you peace of mind that you won’t have to pay vast sums out of your pocket if you do break down.
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Question: Is breakdown cover included in my car insurance?
Your regular car insurance will not cover you for 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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Question: 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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Question: Can I transfer my policy to another vehicle?
Yes, you can transfer your policy to a new vehicle as long as that vehicle falls into the same age bracket as, or is younger than, your current vehicle. There is an administration fee of £9.99 for transfers.
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Question: Are my car keys covered?
Yes, if you lose, break or lock your keys in your vehicle, you are covered for a callout and mileage charges back to the recovery operator’s base or your home address.
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Question: Am I covered for misfueling?
Yes, if you put the wrong fuel in your car, we will pay up to £250 to drain the incorrect fuel and replace it with the correct fuel.
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Do you have a question about motor breakdown cover insurance?
Submit your question here
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UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.