BREAKDOWN INSURANCE

Please see a variety of breakdown insurance providers below. Vehicle breakdown insurance is essential to many road users who want an added level of protection when using public roads. If you have ever experienced a vehicle breakdown, you will know that it can be a hassle, from being delayed on your onward route to waiting around for help. With a good breakdown policy you can rest assured that if you suffer a breakdown, assistance will be available when you need it. For a more detailed look at insurance providers, click on More Information – this will give you a better overview of the services that are offered. Compare cover levels, costs and restrictions to help you make your decision and make sure you read the terms and conditions fully.

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If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDER	TYPE TYPE Broker or Provider	VEHICLE INFO VEHICLE INFO Which type of vehicle you can insure	DRIVER INFO DRIVER INFO Driver information necessary	POLICY POLICY Details of the insurance policy	COST COST Cost of policy	EXCESS EXCESS An excess is a payment you have to make if you decide to claim on your policy	COVER COVER Details of cover available	METHODS METHODS Application methods available	SUITABLE SUITABLE Who insurance is suitable for	RESTRICTIONS RESTRICTIONS Restrictions for applicants	MORE INFO
Sainsburys Vehicle Insurance	Provider	All cars	New customers only benefit from the offer	Sainsbury	From £218	Ask on application	Type Cover Type Comprehensive/Third Party Fire and Theft Level Cover Level Standard - Comprehensive Detail Cover Detail 1. Keep you on the road- After an accident, we'll give you a courtesy car for the full duration of the repair (provided through approved repairers, subject to availability, not available if your car is a total loss) 2. Put a roof over your head - If you have an accident and you need a place to stay. We'll cover your hotel expenses up to £150. 3. Keep your children safe - We'll replace your child seat following an accident, even if there is no apparent sign of damage. 4. Make life as hassle-free as possible - If your Sainsbury's shopping is stolen from your car, we’ll replace it up to the value of £200. 5. Look after the details - Following an accident, we'll replace your personal belongings to the value of £100. 6. Repair your windscreen - We'll replace or repair your windscreen when you use one of our approved windscreen companies. Or we'll pay up to £150 if you go with a different company. 7. Cover for when you are travelling in Europe- With up to 3 free days of the same level of cover as you have in the UK. 8. Give you peace of mind - With guarantees on all repairs for up to 5 years (as long as you use an approved repairer). 9. Protect you if you are a passenger - With personal accident cover of up to £5,000.	Online	Suitable For Nectar card holders	Restrictions Exclusions and limitation apply to the policy.
Sainsburys Vehicle Insurance	Sainsbury's Car Insurance- Underwritten by U K Insurance Limited 10% of Sainsbury's shoppers with a Nectar card receive up to 1/3 off. Offer only available to new car insurance customers. Offer extended until 3rd of June 2013. A wide range of benefits including a courtesy car included as standard while your car is being repaired by an approved repairer, subject to availability.5 year guarantee on car repairs when using an approved repairer.Windscreen repair or replacement DETAIL INFORMATION >>										Services Services A wide range of benefits including a courtesy car of similar physical size and class as your own included as standard with Premier Cover policies for the duration of the repair! Advantages Advantages 1. Up to 1/3 off for Sainsbury's shoppers with a Nectar card. Current offer extended until 3rd June 2013. 2. A wide range of benefits including a courtesy car included as standard while your car is being repaired by an approved repairer, subject to availability. 3. Child Car Seat Cover - we will cover the cost of replacing a child car seat if your car is involved in an accident, damaged by fire & theft or stolen - even if there is no apparent damage. Comprehensive cover only We'll even give you up to £200 to cover the cost of your Sainsbury’s shopping if it's stolen from your car or damaged in an accident! - Comprehensive Cover Only 4.Valuable protection against uninsured drivers! With no excess to pay and without affecting your No Claims Discount.(Premier Cover Only) 5. 5 Years guarantee on car repairs via an approved repairer. Disadvantages Disadvantages 1. You will need to pay an excess if you make a claim
Green Flag Breakdown Cover	Broker	Ask on application	Ask on application	Green Flag Breakdown Cover	From £20 per month	Varies	Type Cover Type Standard Level Cover Level Rescue, Rescue Plus, Recovery, Recovery Plus, Euro Plus Detail Cover Detail Green Flag Rapid Breakdown Cover - choose from 5 levels of cover plus from only £20. Rescue · Roadside Assistance · Your car towed to the nearest garage · NO call-out charges · Free message service for friends and family Rescue Plus · All the benefits of Rescue, including… · Cover from home Recovery · All the benefits of Rescue, including… · Long distance vehicle recovery Recovery Plus · All the benefits of Rescue Plus, including… · Cover from home Euro Plus · Extends Recovery Plus to cover you for trips in Europe Don't get caught out - buy online now!	Online	Suitable For A range of breakdown cover options	Restrictions See website to see exclusions and limitations
Green Flag Breakdown Cover	Green Flag Rapid Breakdown Cover - choose Green Flag for your breakdown cover and we will provide you with 24 hour assistance, 365 days a year, a national network of breakdown specialists, 2 for 1 Personal Cover with our personal cover you're covered in any vehicle you travel in within the UK. Get cover for your partner at the same time for no extra charge. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >>										Services Services 24 hours assiatance, 365 days a year Advantages Advantages 1. 24-hour assistance, 365 days a year 2. A national network of breakdown specialists 3. Green Flag get to you on average in 30 minutes and fix 88% of breakdowns at the roadside. Green Flag's response time and fix rate data based on 919,018 call-outs from February 2010 to January 2011. 4. They fix 86% of our customers' cars at the roadside (data based on 925,842 nationwide call-outs May 09 - April 10) 5. They offer no-callout discounts 6. They have almost five million customers, with nearly 40 years experience in providing breakdown assistance 7. They offer breakdown cover tailored to suit your individual circumstances Disadvantages Disadvantages 1. Exclusions and limitations apply to all policies.
RAC Insurance	Provider	A valid UK registration number	All drivers	Comp and Third Party Fire and Theft	From £170 per year	Ask on application	Type Cover Type Comp and Third Party Fire and Theft Level Cover Level Basic to Premium Detail Cover Detail Comprehensive Car Insurance See website for practical benefits and features. Third Party Fire and Theft Great value basic car insurance with optional policy add-ons.	Online, Tel	Suitable For Broad coverage or minimum cover by law	Restrictions £31.99 price is available on the purchase of Roadside on Vehicle Based cover only with payment on a continuous annual basis for the first year of membership. Offer cannot be used in conjunction with any other offer and may be withdrawn at any time.
RAC Insurance	RAC offer great value car insurance with several practical features and benefits to suit your individual needs from £170. For extra peace of mind, their comprehensive policy also includes a 3 year guarantee on approved claim repairs, Windscreen replacement and personal accident cover up to £2,500. New members can get Breakdown Cover from £31.99. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >>										Services Services 1. 24 hour claims services. 2. 3 year guaranteed on all approved claims work. Advantages Advantages 1. Flexible payment options 2. Medical expenses following an accident - up to £100 per person. 3.Sound equipment cover - up to £500 (non-manufacturer-fitted equipment) or unlimited cover (manufacturer-fitted equipment) 4. 3-year guarantee on claims repairs when you use our approved repair network. 5. Windscreen replacement and repair 6. Personal accident cover for you and your partner of up to £2,500 per claim 7. New car replacement if yours is less than 1 year old and gets written off – get the same make, model and specification 8. Optional legal expenses cover to help you after a claim Disadvantages Disadvantages 1. RAC charge an administration fee of £20 for certain services, for example, if you make changes to your policy after the first 14 days. 2. See Policy summary for exclusions. 3. You need to apply to find out the exact cost of the policy. 4. If you cancel more than 14 days after receiving your policy documentation we will charge you a fee of £35.00. 5. If they need to re-submit a request for payment to your bank you will have to pay a £20.00 payment default fee.
Click4Warranty	Broker	It has covered less than 150,000 miles.	See website for details	Mechanical Breakdown Insurance Policy	Dependent	Dependent	Type Cover Type 3 Star/4 Star/ 5 Star Level Cover Level Comprehensive Detail Cover Detail 3 Star Affordable protection that pays towards the cost of parts and labour for the repair or replacement of the most essential car components. 4 Star Extensive affordable cover that pays towards the cost of parts and labour for repair or replacement of everything listed in 3 Star plus an additional wide ranging list of universal car components. 5 Star Provides cover that pays towards the cost of parts and labour for repair or replacement of all parts listed in 3 and 4 Star plus an additional comprehensive list that ensures the ultimate in peace of mind for today’s motorist. Designed to help with bills which arise when most mechanical or electrical faults that require expert repair.	Online	Suitable For New and used vehicles	Restrictions Claim values £3,000, £5,000 and £7,000
Click4Warranty	Click4Warranty covers one mechanical breakdown Insurance Policy, with one clear set of terms and benefits. There is a star rating which indicates the extent of parts that are insured; 3 star, 4 star and 5 star warranty. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. If you need any more information please don't hesitate to contact the company directly. DETAIL INFORMATION >>										Services Services 1. A car warranty from Click4Warranty is designed to help with the bills which arise when a mechanical fault requires expert repair. It will pay towards the cost of repair or replacement (parts, labour and VAT) should any covered component fail Advantages Advantages 1. Cover against breakdown due to Wear & Tear included as standard 2. No Service History required 3. 21 day money back guarantee 4. Cover from day one. 5. Up to £7,000 per breakdown Disadvantages Disadvantages 1. See website for what exclusions are.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

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Get peace of mind with Breakdown Insurance

What is Breakdown Cover?

Breakdown cover is really important. Imagine that if you get a flat tyre or your car won’t start. Most people at some point will need breakdown assistance in their lives. With this in mind it is really important that you have the right breakdown cover.

Why is Breakdown Cover important?

With breakdown assistance you can call out an expert to help. They will either be able to fix your car right then and there or take your vehicle to a garage. You can be sure that you won’t be left stranded on the road with the right breakdown assistance.

How much will it cost?

The exact amount you will pay for your breakdown insurance depends on a number of factors. Not only will it depend on the insurer and policy you choose but it will also depend on what type of vehicle you want to insure and how old it is. You will find that the older your car the more you will pay for the insurance because it is more likely that you will need assistance..

Finding the right policy

When it comes to breakdown insurance you need to make sure have the right mix of coverage and price. Choose a policy where you can tailor it to suit you and your insurance needs. Always make sure you read the terms and conditions fully before you apply.

Whatever type of cover you need, it is important that you take the time to research the market. You can compare some of the leading insurance providers in the table above.