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Breakdown CoverBreakdown Cover

UK - Roadside Assistance & Local Recovery

 

What is covered:

  • If the vehicle breaks down more than 1 mile from your home, the breakdown company will arrange and pay for a breakdown vehicle to come to the vehicle (for up to one hour) to try to get it working again.
  • If the vehicle cannot be made safe to drive at the place you have broken down, the breakdown company will arrange and pay for the vehicle, the driver and up to seven passengers to be taken to a suitable local garage (normally within 15 miles) for it to be repaired. You must pay the costs of any repairs.

What is not covered:

  • A breakdown at or within 1 mile from your home
  • Anything mentioned in the general exclusions

UK - Roadside Assistance & Nationwide Recovery

What is covered:

  • If the vehicle breaks down more than 1 mile from your home, the breakdown company will arrange and pay for a breakdown vehicle to come to the vehicle (for up to one hour) to try to get it working again.
  • If the vehicle cannot be made safe to drive at the place you have broken down, the breakdown company will arrange and pay for the vehicle, the driver and up to seven passengers to be taken to a suitable local garage (normally within 15 miles) for it to be repaired. You must pay the costs of any repairs.
  • If the vehicle cannot be made safe to drive at the place you have broken down, and cannot be repaired the same day at a suitable local garage, the breakdown company will choose the most appropriate solution from one of the following options:
  1. Nationwide recovery: the breakdown company will take the driver and up to seven passengers, together with the vehicle, at your request, to either where you were originally travelling to or your home address. The breakdown company will then arrange for the vehicle to be taken to a suitable repairer for it to be repaired at your cost, provided this can be done in one journey.
  2. Overnight accommodation: the breakdown company will pay the costs for bed and breakfast for one night only. They will pay up to £150 for each person (up to a maximum of £500).
  3. 24-hour UK hire vehicle: the breakdown company will pay for a hire vehicle (with an engine of up to 1600cc, for up to 24 hours.) You will be responsible for returning the hire vehicle and collecting your repaired vehicle. You must meet the conditions of the hire-car company to be able to hire a car.

Emergency Driver:

In addition to the benefits above, if the driver cannot drive because of an injury or illness acquired during a journey, and there is no one else able or qualified to drive the vehicle, the breakdown company will provide, and pay for, a driver to finish the journey or return the vehicle and passengers to the place you were originally travelling from. You will need to provide a medical certificate for the driver before we provide this benefit.

What is not covered:

  • A breakdown at or within 1 mile from your home.
  • Anything mentioned in the general exclusions. 

UK - Roadside Assistance, Nationwide Recovery & Homestart

What is covered:

  • If the vehicle breaks down more than 1 mile from your home, the breakdown company will arrange and pay for a breakdown vehicle to come to the vehicle (for up to one hour) to try to get it working again.
  • If the vehicle cannot be made safe to drive at the place you have broken down, the breakdown company will arrange and pay for the vehicle, the driver and up to seven passengers to be taken to a suitable local garage (normally within 15 miles) for it to be repaired. You must pay the costs of any repairs.
  • If the vehicle cannot be made safe to drive at the place you have broken down, and cannot be repaired the same day at a suitable local garage, the breakdown company will choose the most appropriate solution from one of the following options:
    1. Nationwide recovery: the breakdown company will take the driver and up to seven passengers, together with the vehicle, at your request, to either where you were originally travelling to or your home address. The breakdown company will then arrange for the vehicle to be taken to a suitable repairer for it to be repaired at your cost, provided this can be done in one journey.
    2. Overnight accommodation: the breakdown company will pay the costs for bed and breakfast for one night only. They will pay up to £150 for each person (up to a maximum of £500).
    3. 24-hour UK hire vehicle: the breakdown company will pay for a hire vehicle (with an engine of up to 1600cc, for up to 24 hours.) You will be responsible for returning the hire vehicle and collecting your repaired vehicle. You must meet the conditions of the hire-car company to be able to hire a car.
  • If the vehicle breaks down anywhere at or within 1 mile from your home (this is the address you provided which is shown on the policy schedule), the breakdown company will arrange and pay for a breakdown vehicle to come to where you are for up to one hour to try to get the vehicle working again.
  • If the vehicle cannot be made safe to drive at the place you have broken down, the breakdown company will arrange and pay for the vehicle, the driver and up to seven people to be taken to a suitable local garage(normally within 15 miles), for it to be repaired. You must pay the costs of any repairs.

Emergency Driver:

In addition to the benefits above, if the driver cannot drive because of an injury or illness acquired during a journey, and there is no one else able or qualified to drive the vehicle, the breakdown company will provide, and pay for, a driver to finish the journey or return the vehicle and passengers to the place you were originally travelling from. You will need to provide a medical certificate for the driver before we provide this benefit.

What is not covered:

  • Anything mentioned in the general exclusions.
  • The breakdown company will not pay any amounts for making the vehicle secure once you have returned to the UK.

Delivering replacement parts

  • The actual cost of replacement parts and any customs duty. You must pay us this using a credit card or debit card or any other payment method the breakdown company agree is suitable.
  • Any amount for getting parts, if the replacement parts can be bought locally.

Not being able to use your vehicle

  • The cost of fuel or lubricants you use in the hire vehicle.
  • Replacement parts.
  • Any insurance you have to pay to the hire-car company.

If you become ill or injured and can’t drive

  • (Please refer to the section for general exclusions and general conditions which appear on the PDF attachment for exclusions on this section)

If you can’t use your own vehicle to get home

  • Any costs you would have paid anyway for travelling home.
  • The costs of returning your vehicle to the UK if the breakdown company believe that the cost of doing so would be greater than the market value of your vehicle in the UK, after the breakdown.
  • The costs of returning your vehicle to the UK if repairs can be done locally and you are not willing to allow this to happen.
  • Anything mentioned in the general exclusions.

Price Guide

Please see the tables below for details of costs per vehicle. The costings are calculated in accordance to the size parameters of your vehicle:

Vehicles up to 3.5 tonnes, 7.0 metres in length, 3.0 metres in height and 2.25 metres in width

Type of Cover Costing per vehicle (inclusive of 12% insurance premium tax)
UK - Roadside Assistance & Local Recovery £45.30
UK - Roadside Assistance & Nationwide Recovery £53.98
UK - Roadside Assistance, Nationwide Recovery & Homestart £70.45
UK - Roadside Assistance, Nationwide Recovery, Homestart & European* £80.53

*European cover not available for vehicles over 16 years old

Vehicles up to 7.5 tonnes 8.5 metres in length, 3.5 metres in height and 2.5 metres in width

Only the below levels of breakdown cover are available for vehicles in this size category:

Type of Cover Costing per vehicle (inclusive of 12% insurance premium tax)
UK - Roadside Assistance & Nationwide Recovery ** £114.18
UK - Roadside Assistance, Nationwide Recovery & Homestart ** £153.38

**Up to 7.5T cover not available for vehicles over 15 years old

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Fleet and Commercial Ltd is an appointed representative of Ten Insurance Ltd, which is authorised and regulated by the Financial Conduct Authority.