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BREAKDOWN COVER

Provides assistance and recovery to a garage in the event of a vehicle breakdown

With Scratch & Dent Insurance claim up to 3 times a year and save
£100s a year on your exclusive range of discounts from only

  • 3 minor body repairs per year
  • Complete peace of mind against cosmetic damage
  • Convenient repairs carried out at a time and place your choosing
  • Free access to our loyalty club featuring exclusive retail partners
  • Excess waiver option available
  • No hidden fees
What is insured?

This insurance provides roadside assistance after a vehicle breakdown and includes recovery to a garage if the vehicle cannot be repaired within 60 minutes. The policy can also provide other benefits (as set out below) depending on the level of cover you choose.

There are various cover levels to choose from, each of which provides different benefits as outlined below. The cover level you have chosen will be confirmed on your Policy Schedule.

What is breakdown cover?

Breakdown cover provides reassurance and protection in the event of your vehicle breaks down out on the road or fails to start at home. Everybody needs breakdown cover. We can offer you a comprehensive set of breakdown products which make the perfect complement to any motor insurance policy.

Standard Recovery

  • Help to repair your vehicle at the roadside in the UK when you are more than ¾ mile from your home.
  • 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).
  • Recovery of a trailer or caravan if attached to your vehicle.
  • Misfuelling cover – Up to £250 to pay for the cost of draining incorrect fuel, and replacement with up to 10 litres of correct fuel
  • 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

  • Same benefits as Standard Recovery/Standard Recovery XS but with nationwide recovery (no 20-mile limit restriction).
  • Recovery of your vehicle if you are medically unfit to drive.
  • Overnight accommodation or alternative travel as an alternative to recovery

National Plus

  • All the same benefits as National/National XS plus help to repair your vehicle at home or within ¾ mile from home

European

  • Assistance provided both within the UK and Europe.
  • Cover/benefits in the UK are the same as those under National/National XS.
  • Cover/benefits In Europe: - Assistance provided both within the UK and Europe. - Help to repair your vehicle at the roadside. - 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.
  • 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.

European Plus Recovery

  • Same benefits as European/European XS plus help to repair or recover your vehicle at home or within ¾ miles from home.
Where am I covered?
  • The United Kingdom, the Channel Islands and the Isle of Man
  • If you have chosen Cover Levels European or European Plus, cover is provided in the countries listed under the definition of “Territorial Limits (Europe)” which can be found in the Definitions section at the end of the Policy Document.

Eligibility

  • The private car or motorcycle detailed within your schedule which is 15 years or less than in age. Light commercial vehicle (excluding couriers and hire and reward) detailed within your schedule which is 10 years or less than in age
  • Are resident in the United Kingdom, the Channel Islands or the Isle of Man on the start date and remain so throughout the period during which you are insured under this policy.
  • Your vehicle cannot be used for the purpose of providing a courier service or for hire and reward. It cannot be a minibus, motorhome, horsebox or limousine.
  • Your vehicle must be a private car, a light commercial vehicle or a motorcycle and must be less than 3,500kg gross vehicle weight

Exclusion

  • The private car or motorcycle detailed within your schedule which is 15 years or less than in age. Light commercial vehicle (excluding couriers and hire and reward) detailed within your schedule which is 10 years or less than in age
  • Are resident in the United Kingdom, the Channel Islands or the Isle of Man on the start date and remain so throughout the period during which you are insured under this policy.
  • Your vehicle cannot be used for the purpose of providing a courier service or for hire and reward. It cannot be a minibus, motorhome, horsebox or limousine.
  • Your vehicle must be a private car, a light commercial vehicle or a motorcycle and must be less than 3,500kg gross vehicle weight
How do I save £100s on my motoring every year?
With your policy you will also gain free access to our exclusive loyalty platform, where you will find a wide variety of discounts from your favourite retailers such as Halford, Purple Parking, Vision Express, Hotels.com and much more.

This is our way of saying thank you for trusting us with protecting your vehicle.

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Our range of motor insurance products perfectly complements the traditional policies, covering those niches left untouched by the traditional providers and protecting GAP, excesses and cosmetic damage plus breakdown and multiple vehicle policies.

SCRATCH
& DENT

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LOSS oF
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