Breakdown Cover

Reliable roadside support that enhances policy value

Nobody wants to feel stranded when their vehicle breaks down, whether that's on the motorway or on the drive first thing in the morning. Our Breakdown Cover gets customers moving again, with cover levels that flex from simple roadside assistance through to full European protection.

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Reliable Roadside Support, Whenever Customers Need It

A breakdown rarely happens at a convenient time, and how quickly a customer gets back on the road shapes how they feel about their cover long after the moment has passed. Breakdown Cover is built to be there for that moment, with a range of cover levels that can be tailored to suit your proposition and your customers' needs.

  • Full Cover Range

    From basic roadside assistance through to comprehensive European cover, the product can be pitched at exactly the level your customers need.

  • Towing Cover

    Options are available to extend cover to trailers and caravans, for customers who tow as part of their everyday driving.

  • Private and Commercial

    A wide range of vehicle types are covered, so the product suits private motorists and commercial drivers alike.

  • Peace of Mind

    Cover includes up to 6 call-outs, giving customers confidence they're supported through more than just a single incident.

A driver in a high-visibility vest by a broken-down car, with a warning triangle on the road

what the policy covers

Choosing the Right Level of Cover

  1. Roadside Assistance

    A recovery agent comes to the breakdown anywhere in the UK, more than a mile from home. If the vehicle can’t be fixed at the roadside, the vehicle, driver and passengers are taken to the nearest suitable garage within 10 miles.

  2. National Recovery

    If the vehicle can’t be repaired the same working day, the vehicle, driver and passengers are taken home or on to their destination anywhere in the UK.

  3. Home Start

    The same help at home or within a mile of it, including recovery to the nearest suitable garage if the vehicle can’t be fixed there.

  4. European Cover

    Roadside help and recovery across Europe, for trips of up to 90 days.

Additional benefits, depending on the cover level chosen

  1. Alternative transport

    A contribution towards a hire car or other transport so customers can continue their journey, plus travel costs to collect the repaired vehicle.

  2. Overnight accommodation

    Bed and breakfast for the driver and passengers if they’re stranded overnight.

  3. Driver illness or injury

    If the driver becomes ill or injured away from home and no passenger can drive, the vehicle is taken home or driven back by a chauffeur.

  4. Lost, broken or locked-in keys

    Recovery of the vehicle, driver and passengers to the recovery agent’s base or home if keys are lost, broken or locked inside.

  5. Caravans and trailers

    A towed caravan or trailer up to 7 metres long is recovered with the vehicle at no extra cost.

  6. Message service

    Two messages passed on to home or work to let people know about the breakdown.

Want to know more? Speak to our team about Breakdown Cover.
A red warning triangle on the road in front of a broken-down car with its bonnet up

Breakdown Cover for Specialist Vehicles

Breakdown Cover isn’t limited to standard private cars. It extends to:

  • Vans
  • Motorhomes
  • Taxis
  • Classic cars
  • Motorcycles
  • Driving instructors (dual controlled)

Whatever specialist vehicles sit within your customer base, cover can be configured to suit them.

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Why choose Coplus

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Trusted Motor Ancillary Partner

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  • Industry experience since 1988

    Breakdown cover is a product customers judge by how it performs in the moment, not just on paper. Our long-standing experience in motor ancillary products means partners get a proposition that's dependable when it matters.

  • Cover levels built to be tailored

    From Roadside through to European cover, the product is designed to be shaped around your proposition, so you can offer the right level of protection for different segments of your book.

  • Specialist Breakdown Claims Support

    We work with trusted specialist partners to deliver efficient breakdown claims services, helping provide a seamless experience that reflects positively on your brand.

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Our range of motor ancillary products

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Frequently asked questions

Breakdown Cover FAQs

What's the difference between Roadside and Home Start cover?

Roadside cover helps when the vehicle breaks down more than a mile from home. Home Start includes breakdowns at the policyholder’s home or within a mile of it.

What does European cover include?

European cover adds roadside help and recovery across Europe, for trips of up to 90 days. on top of roadside, national and home cover.

How many call-outs are included?

Up to 6 call outs, with a total limit of £15,000, during the period of insurance.

Can trailers or caravans be covered as well as the main vehicle?

Cover for trailers and caravans depends on the policy. Our team can confirm the options for your customers.

Does Breakdown Cover work for commercial vehicles, not just private cars?

Yes. Breakdown Cover can protect a range of vehicles, including cars, light commercial vans, small fleets, taxis and motorhomes.

Can the cover levels be tailored to our business?

Yes. Partners can offer one or more of the four cover levels, and documents and call handling can carry the partner’s brand.

Get in touch

Trusted By Brokers and Insurers Across The UK

We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.

  • Affinity & Partners

    Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.

  • Brokers

    Enhance customer value through flexible products, claims expertise and operational support.

  • Insurers & MGAs

    Access governed products, scalable claims operations and flexible distribution solutions.

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