Motor Breakdown Insurance
Get a quote now in just 90 seconds
You can’t guarantee that you won’t break down, but you can guarantee 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 there’s a trained professional on hand to try to fix your car.
Cover from just £24.88 a year.
Motor Breakdown Insurance
​
You can’t guarantee that you won’t break down, but you can guarantee 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 there’s a trained professional on hand to try to fix your car.
​
What you need to know
​
UK Sure motor breakdown insurance comes in multiple levels.
What does 'Standard Recovery' cover?
-
Roadside vehicle repair help if you’re over ¾ mile from home
-
Transport to nearest garage if your vehicle isn’t repaired within 30 mins
-
Transport home (within 20 miles of breakdown) for you and your passengers if recovery to the nearest garage isn’t possible
-
Recovery of any trailer or van attached to your vehicle
-
Misfuelling cover up to £250 to drain incorrect fuel and replace up to 10 litres of correct fuel
-
Recovery to your home or nearest garage if you lose, break or lock your keys in your vehicle
​
What does 'National Recovery' cover?
-
Everything 'Standard Recovery' covers plus nationwide recovery, as well as recovery of your vehicle if you’re medically unfit to drive
-
Overnight accommodation or alternative travel instead of recovery
​
What does 'National Plus' cover?
-
Everything 'National Recovery' covers plus help to repair your vehicle at home or within ¾ mile of your home
​
What does 'European' cover?
-
Assistance provided in both the UK and Europe
-
Roadside repair
-
Up to £150 towards the cost of being towed to a safe place after a breakdown on a motorway or major public road in France and some other countries
-
Transport to nearest garage if your vehicle can’t be repaired within 60 minutes
-
Transport up to £50 and/or emergency accommodation up to £1,000 per breakdown if your vehicle can’t be repaired same day
-
Cover - including emergency accommodation, alternative transport, re-booking fees, or repatriation of your vehicle - if you break down near the end of your trip and there isn’t enough time to repair your vehicle.
​
What does 'European Plus' cover?
-
Everything ‘European’ covers plus help to repair or recover your vehicle at home or within ¾ miles of your home
​
What aren't you covered for?
Our policy doesn’t cover:
-
Breakdowns within the first 48 hours from the start of your policy
-
Breakdowns as a result of failure to maintain your vehicle
-
Assistance if your vehicle is untaxed or uninsured
-
Any costs incurred more than 10 miles from the scene of a breakdown if your vehicle is immobilised by snow, mud, sand, water, ice or a flood
-
Any costs incurred in respect of a recovery more than 20 miles for Standard recovery
-
Any faults or symptoms from faults that you have failed to repair if you have requested a callout from our roadside agent within the last 28 days
-
A breakdown as a result of motor racing, rally driving, track days, hire and reward, duration, or contest or speed trails or practice of these activities
Suitable for
​
-
Private cars or motorcycles aged 15 years or less
-
Light commercial vehicles aged 10 years or less
-
The UK, Channel Islands, Isle of Man, and certain European countries under European and European Plus cover
​
Not suitable for
​
-
Minibuses, motorhomes, horseboxes or limousines
-
Any vehicle exceeding 3,500kg in gross weight
-
Any European trip taken in your vehicle of more than 90 days
​
​
Why buy a Motor Breakdown Insurance 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. Taking out motor breakdown cover makes 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.
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 Europe.
​
Policy Documents
​
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
Motor breakdown insurance ensures that, if your vehicle 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.
​
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.
​
Does regular car insurance cover me for breakdown?
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.
​
Does my breakdown cover include tyres?
Yes, our breakdown cover does include replacement of punctured tyres, provided you are carrying your legally required spare.
​
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.
​
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.
​
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.
​
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.
​
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.
​
Am I covered for misfueling?
Yes, if you put the wrong fuel in your car, we will pay up to £250 to drain incorrect fuel and replace it with the correct fuel.
​
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.
​
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.
​
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.