Motor Breakdown Cover

(to keep you moving).

motor breakdown cover

When something goes wrong with your car, don’t leave yourself stranded.

With Breakdown Cover as an add-on to your Smartdriverclub Insurance, you can choose from a range of recovery options. Choose from four cover options starting from £29 for Roadside only up to £89 for Roadside, Nationwide recovery, Homestart and cover in the EU.


Always available

You never know when disaster will strike. So we make sure we’re always available – just call our 24 hour rescue line and get an immediate response.

A fast response

Breakdown help is only as good as it is fast. So we won’t keep you waiting – we aim to be with you at the roadside in 40 minutes or less.

Peace of mind for friends or relatives

If you’re stuck, leave us to let people know. We’ll make a courtesy call to a friend or relative, so they know what’s happened and what’s holding you up.

Filled up with wrong fuel?

If your Vehicle’s fuel tank is filled with the incorrect type of fuel, we will arrange and pay up to £250 (inclusive of VAT) for a Recovery Operator to either recover you and your Vehicle to the Recovery Operator’s base where a drain and flush to Your Vehicle’s fuel tank can be conducted or, to conduct the fuel drain and flush at the roadside. Subject to the £250 claim limit, we will also provide up to 10 litres of correct fuel.

What's included?

Roadside only

£29 a year

Our Roadside plan is ideal if you need help more than a mile from your home. We’ll arrange for a trained professional to assist you at the roadside, with an hour’s labour included as standard.

Roadside and Recovery – National

£59 a year

Our Roadside and Recovery – National plan is also if you need help more than a mile from your home. We’ll arrange for a trained professional to assist you at the roadside, with an hour’s labour included as standard.

If we can’t get you back on the road, we’ll recover your car to a repairer, and get you to your home or your destination.

Roadside, Nationwide Recovery and Homestart

£69 a year

Our Roadside, Recovery – National, and Homestart plan covers those times when you break down within a mile of your home, or don’t even manage to get off the drive. Just call our helpline and we’ll send someone out to you.

If we can’t get your car going, we’ll take you and your car to the nearest garage which is able to undertake the repair.

All of the above and cover in the EU

£89 a year

Our most comprehensive breakdown package has you covered, wherever your travels take you. It’s the same extensive roadside assistance and recovery you’d expect at home, available throughout Europe.

So if you’re headed overseas, you can take your car with confidence.

Included in all of our policies

Windscreen and Window Repair

Windscreen and Window Repair

We’ll cover the cost of repairing or replacing your windscreen or any other window on your car when you use our approved provider. Subject to any relevant excess.

Child Seat Protection

Child Seat Protection

If you have a childseat fitted and your car is involved in an accident, fire or theft – even if there is no apparent damage, we’ll give you up to £300 towards replacing it.

Personal Belonging Cover

Personal Belonging Cover

If your personal belongings are damaged by an accident or fire, or if they are stolen, we will contribute up to £100 to their replacement.

Personal Accident

Personal Accident

If you or your spouse/civil partner are injured as the result of a vehicle accident and your injury prevents you from working, we’ll provide up to £5000 in personal accident cover.

Free Connected Car Club membership

Theft Tracking

Theft Tracking

In the event your car is stolen, we’ll use the Smartplug device to track your car and we’ll work with the police to attempt to recover it. in a majority of cases if the device hasn’t been unplugged, we can locate your vehicle within an hour.

Crash Assistant

Crash Assistant

We really hope you don’t have an accident, but in the event you do and it’s late at night or in an unpopulated area, our crash guardians will help take of you. We can use the Smartplug to help locate you and, where we cannot get hold of you, will call your loved ones and emergency services to provide support.

Club Deals

Club Deals

We’ll use an extensive network of partners including UK motor dealerships to get you the best deals on all things related to your car. From free health checks to half price oil changes, we will work to save you money to spend on the things you want, like that barrista blended coffee!