We don't send out separate receipts or invoices as these are a part of the certificate of insurance.

As far as we can tell, Brexit will have no impact on your policy however a 'no deal' Brexit is still largely unknown.

If there are any changes once a decision has been made about Brexit, we will ensure that our Policyholder's are updated accordingly.

If you have selected 'Vehicle' cover then the annual premium is calculated on the age of your vehicle at the time you purchase the policy. Cover will be provided for the full year.

If you have selected 'Personal' cover then you can call for assistance on any car or motorcycle providing it's within the age limit detailed on your certificate of insurance.  If the vehicle exceeds this age limit then no cover can be provided under the policy.

Unfortunately not.  We cannot provide cover to a vehicle that has already broken down, you are not covered for claim circumstances that you were aware of before your policy was issued.

The process followed if you break down is explained in the policy wording for each policy, the distances will vary according to policy, but they all generally respond in the same way. It's important to understand what happens in the event of a breakdown. If you know what to expect from your policy, it avoids confusion, stress and the potential for disappointment if you find you're not getting what you expected.

Because all of the policies we sell behave slightly differently, you should take a look at the policy wording for the one you're looking at. This is usually found on the comparison table, or as a link on the cover summary page before you buy. To make it as easy as possible, this information is all on the first page of the policy wording for each of the policies we sell.

Home Start

If your policy has Home Start, this will provide the facility whereby someone will attend your home address and try and get you going again. If this can't be done, the policy may provide for recovering you to a garage nearby where you've broken down.

Local Recovery

Typically, this will be within around 20 miles of home, but please check this as it varies from policy to policy. If you breakdown under these circumstances and we can't get you going at roadside, you'll be recovered to a local garage or to your home. 

National Recovery

Once you're further away from home than local recovery allows, if you breakdown you'll receive roadside assistance if the problem is likely to be fixable roadside. If not, you'll be towed to a local garage to where you've broken down. Only if the repairs can't be made within 48 hours of the breakdown occurring will you be either recovered home, recovered to your destination or overnight accommodation can become an option. We don't sell a policy that will immediately take you home if you break down and this is not an optional upgrade.

European Recovery

This typically operates in a similar way to National Recovery, but because the amounts of cover and processes are all a bit different, you really should read the policy wording to make sure you understand what will happen in the event you breakdown. Usually these policies will include a section around repatriation which explains what happens if your vehicle can't be repaired on the continent. 

This depends on the policy, always check your policy wording.  If you live in the Isle of Man, or the Channel Islands, we are unable to sell a policy to you.

No, we will not be able to provide a policy for this purpose as your journey must begin and end in the UK.  Your vehicle must also be registered to, and ordinarily kept, at an address within the UK.

Some of our products do cover vans under personal cover, please check the product information which clearly shows the vehicle types covered.     

We are an online company so we are able to keep our overhead costs to a minimal, our customers are able to choose a policy that best suits their needs through our website.  We also keeps our costs low by not having a large call centre, we do not sell policies over the phone and our cost savings in this regard can be given back to you, our customers.

We care about the environment so when you purchase your breakdown cover with us, we do not send policy documents through the post, they are however delivered straight to your inbox within moments of purchasing!  We also do not send out membership cards so we recommend that you note down your policy number and your breakdown assistance phone number so you have theses details to hand if you need them.

Our breakdown assistance providers operate through a network of agents who are able to help in the event of a breakdown, they will deploy someone close by to assist you. Our policies operate specifically to assist you at the roadside initially if possible, if the repair cannot be completed in this way then you will receive local recovery to a nearby garage within a certain radius - the distance can be found within your policy wording.

It is important to note that our policies will not immediately take you home following a breakdown, the initial steps of roadside assistance followed by local recovery must have taken place first.

If your payment details have changed, you will need to provide us with your new card details.  You can do this by clicking the payment link within your email renewal invitation - this will take you to our website where you can submit new payment details.

Alternatively, you can call us on 0330 094 5243 to provide new payment details.  Please note we do not store your card details on our system, only the last four digits, so payment for the renewal will be completed once you have given us these.  

CompareBreakdownCover is a trading name of Eversure Limited, a company based in Guildford, Surrey and authorised by the Financial Conduct Authority.  We're also a proud  Member of the British Insurance Brokers' Association.

CBC work in partnership with a variety of breakdown assistance providers, which enables you to compare and choose a breakdown policy most suited to your needs and allows you to purchase a policy directly through the website.

Whilst CBC cannot provide quotes or sell over the phone, if you need to make any changes to your policy once you have purchased; CBC will be able to assist - you will just need to complete the online Contact form.

If you need to get in touch with us, there's a few ways you can do this:

Chat

During our opening hours you can chat with us by clicking the help button at the bottom of the page and starting a conversation.

Contact Us

When our offices are closed, you can click the help button at the bottom of the page and complete a quick form to send us a message. We'll get back to you, usually within 24 business hours.

You can also get in touch using the form on our contact us page.

Phone

If you need to speak to us, we're available from 09:00 to 17:30 Monday to Friday. Our number is: 0330 094 5243.

Post

You can still send us a lovely letter if you'd like to. Our address is:

CompareBreakdownCover

Bury House,

1-3 Bury Street,

Guildford,

Surrey,

GU2 4AW

Policy documents are sent to your email address within minutes of purchase.

You can print these together with the policy wording or service agreement and take these on your trip if you want to. What's important is to save the emergency number in the event that you need assistance as the provider will identify your policy using your vehicle registration number or personal details such as your address.

The single-trip cover we sell requires that you start and finish your trip in the UK. 

For Example

If you were driving to Poland from the UK on the 1st of the month, and not driving back until the 14th, you would need one policy covering the 1st to the 14th. You couldn't buy two policies for each journey.

In the event you call for assistance outside of the UK, you will likely be asked for evidence of your outbound and return Channel crossings.

If you have Personal Cover you will need to contact us directly to amend your policy to include additional drivers, there will be an additional premium due if you are adding someone to your policy, we will provide you with a quote once your request has been received by our Customer Service Team.

Please note additional drivers named on your policy must be permanently resident at the home address as stated on your policy.  You may be asked to show your driving license to confirm your address if requested.

We are unable to add multiple vehicles to our 'Vehicle' policies however you can purchase 'Personal' cover through our website.  Our 'Personal' policies cover the person rather than the vehicle, we offer varying levels of cover depending on the age of the vehicle you are travelling in.  

 If your vehicle (and trailer or caravan if applicable) you are towing, exceeds the size or weight limits on the policy then the policy will not be able to assist you in the event of a breakdown.

The size and weight restrictions are in place because in the event of a breakdown the recovery operator needs to ensure they can fit your vehicle on the recovery truck and if they are exceeded they will physically not be able to recover your vehicle.

Yes, we do cover campervans, please make sure you select the vehicle type when inserting the registration number to get the correct breakdown product.       

Some of our providers offer cover for punctures, please see our Cover Information Table

Unfortunately, none of our providers can guarantee that they will be able to provide transport or recovery for pets, however all will try their best to help. If there are any additional costs or expenses, these will be your responsibility.

The breakdown assistance providers we work with have a specified limit for the number of passengers they can cover, you will need to check who the assistance provider is on your quote or policy.

Collinson: 8 Including the driver

Emergency Assist: 5 including the driver

Allianz Global Assistance: 8 including the driver

National Breakdown: 8 including the driver

Yes, some providers have age restrictions. Please refer to our Cover Information Table for more details.

No, unfortunately we can only cover trips that start and end in the UK during the period of cover.

You should not contact any garage or recovery operator directly. This could invalidate your claim.

Please call your assistance provider as detailed on your certificate of insurance.

Age limitations vary depending on the trip length and type of cover. Please refer to our Cover Information Table for more information.

No, only UK residents (excluding residents of the Channel Islands and the Isle of Man) are eligible to purchase breakdown cover from our website.

Our breakdown assistance providers are fully functioning and ready to help you when you need them, please ensure that you call the number provided in your policy documentation if you require breakdown assistance.

Here are some helpful tips to care for your vehicle whilst the travel restrictions are in place: 

Battery care:  Many of you will not be using your vehicles as regularly as you normally would and as such, your vehicle’s battery may lose its charge.  Turning the car over and starting it for a short period of time, probably won’t help the battery charge and may well drain a battery which is already weak.  If you are worried about your battery losing its charge and you don’t have any charging devices, please check your vehicle’s manual or visit the manufacturer’s website for advice before you take it upon yourself to take action.  It’s very important our customers check guidance first as battery removal or even attempting to jump start certain vehicles could result in unnecessary and costly damage to the vehicle.  Please always check first.

Tyres:  If you have some spare time whilst your vehicle is cold and isn’t being used, it would be useful for you to check the tyre pressures and the tyre tread.  

General Maintenance: Check engine oil levels, washer fluid and coolant, bulbs and the condition of your windscreen wipers.  Replace what you can at home, such as coolant and oil, for any other parts which need replacing, make a list and ensure the repairs are completed when you are able to drive again.  Please check the vehicle manual or online for advice on how to do this for your particular vehicle. Whilst you are at home, it will be worth checking offers online to ensure you obtain the best deal when you are able to drive your vehicle again.

Our assistance providers are all working hard in attempts to keep the breakdown assistance and recovery process working as close to normal as possible.

They are likely to see a reduced capacity in their network of assistance providers (due to members being taken ill or required to isolate) however they are hoping that in line with decreased volumes of vehicles on the road that this will not be an issue.

We encourage our clients to follow government guidance and only use your vehicles when absolutely necessary.

Our breakdown policies are non-transferable, we cannot change the name of the Policyholder to another person.

If you have a 'vehicle' policy, then we can transfer the policy to your new vehicle - an administration fee will apply. The amount charged for a change of vehicle is £8.00, this can be found in the terms of business document we sent you at purchase.

An additional premium may be due if the vehicle you are transferring the policy to is older than the one named originally on your policy. We can collect the administration charge from the card used originally at purchase.

We do not charge a cancellation fee, our policy arrangement fee is however non refundable and this is applied within or outside of the cooling off period of 14 days. 

If you cancel during the cooling off period, in addition to the policy arrangement fee, there can be some proportionate amount of premium deducted from any refund due, please see your policy wording document for the applicable terms as it can differ from one policy to the next. 

If you have made a claim, whether accepted or not, with the assistance provider, no refund would be due should you cancel. 

After the cooling off period, no refund is payable, however, you still may cancel the policy.  

You can cancel the renewal of your policy at any time, as long as this is requested prior to the policy renewal starts, you would be due a full refund. 

No, we do not need to be notified when you are travelling to Europe.

CBC work hard to maintain great prices for our customers.  We are constantly reviewing market changes and claim ratios to try and provide the most cost effective cover for our customers as we can.  

We recently established that we would need to increase the cost of our policies to cover the administration work that our policy holders asked us to perform.  We took the decision to hold the cost of our insurance, and introduce administration fees to cover these costs. This meant that customers who didn't need to make changes, weren't paying for those who did.

When purchasing a policy, you will be provided prior to, and just after purchase, a copy of our Terms of Business.  This document outlines the costs that are applicable to the cover you have.  Before taking payment, you will be asked to confirm that you have read and agreed to our policy wording and terms of business.  As a result of this, when our customers contact us to make a change, we're confident that they will already be aware of the administrative costs that might apply when making changes to their policy.

We don't quote breakdown assistance times because there are just too many variables.

When you factor in the time of day, time of year, weather, how busy the roads are and where you've broken down, there really could just be too many contributing conditions that would cause a delay.

That said, because our assistance providers operate with networks of local garages rather than having a fleet or vans, they do quite often respond very quickly because they're not travelling great distances to get to you

This is not something we provide.

This is a document that your UK vehicle insurer can provide you if you're taking your own vehicle into Europe.  It proves you're insured and that your UK insurer has extended cover to Europe.  You will need to ask your insurance company if they can issue you with one.

We are unable to upgrade your UK policy to include trips to Europe, however we do offer Single Trip European policies which you can purchase through our website. A single trip policy will cover you specifically for the dates you are travelling to Europe.

Don't forget, we cannot offer cover for one-way trips, all journeys must begin and end in the UK.

We email your documents at the time of purchase which include your policy number and number to call in the event of a breakdown. 

We don't send out paper copies automatically but we can do if this is your requirement. Please just let us know and we can arrange this for you.

Please ensure you save the emergency breakdown telephone number on a device or have the number handy just in case your vehicle breaks down.

If your payment details have changed, you will need to provide us with your new card details.  You can do this by clicking the payment link within your email renewal invitation - this will take you to our website where you can submit new payment details.

Alternatively, you can call us on 0330 094 5243 to provide new payment details.  Please note we do not store your card details on our system, only the last four digits, so payment for the renewal will be completed once you have given us these.  

Once you've purchased a breakdown policy from us, we can't upgrade this or change your cover levels so it's really important to consider your needs for the forthcoming year.

We do sell single-trip cover that you could use to supplement your UK cover but it's worth checking before you buy your annual cover, as more than 1-2 trips in a year will make an annual European policy more cost effective.

All policies must be purchased online through our website, we cannot provide quotes or sales over the phone for breakdown policies.

We can only accept a one-off payment for your policy, we are unable to offer a monthly repayment plan or offer payment instalments for your breakdown policy.

Regardless as to whether or not you have kept the Automatic Renewal option, we will always email you at least 21 days in advance of your renewal date advising of your renewal price and what action is required if any.  Details of what the policy covers are outlined within the attached documents we send you by email.

If you have opted for auto-renewal we will renew your policy unless you advise us not to.

If you've decided that you don't want your policy to renew, you can contact us at any time to have this removed from your policy.  Send us a message with your policy number and request and we'll do this for you.  You'll need to put this in writing rather than call.

Your Right to Cancel Within 14 Days

We hope you are happy with the breakdown cover you have purchased. If however, after purchasing, you decide that the cover provided no longer meets with your requirements, you have the right to cancel.

Please note: We do not charge a cancellation fee, our policy arrangement fee is however non refundable and this is applied within or outside of the cooling off period of 14 days. 

If you cancel during the cooling off period, in addition to the policy arrangement fee, there can be some proportionate amount of premium deducted from any refund due, please see your policy wording document for the applicable terms as it can differ from one policy to the next. 

If you have made a claim, whether accepted or not, with the assistance provider, no refund would be due should you cancel. 

Your Right to Cancel After 14 Days

After this 14 day period, you may cancel your policy, but no refund will be available.

How to cancel your Policy

If you would like to cancel your cover, we ask for this to be done in writing via the contact us page by clicking this link. Remember to include details of your policy number so that we can process this for you as quickly as possible.

We aim to answer you within 2 working days to the email address supplied on the contact form. (Our opening hours are Monday – Friday 08.30-17.30, excluding Public Holidays)

Cancelling your renewal:
You can cancel the renewal of your policy at any time, as long as this is requested prior to the policy renewal starts, you would be due a full refund, should the payment have already gone through. 

If this is requested after the renewal has started, the same terms apply as cited at the top of this article.

Do you deduct your time to respond from my time on cover?

No. We appreciate we cannot always respond to you right away. Our agents will use for your cancellation, the date of when you have submitted your request to cancel to us. No need for you to worry that your cooling off period might be expiring if we do not have time to answer you immediately. 

Further information about your right to cancel

Further information about the Financial Conduct Authority (FCA) rules concerning your right to cancel can be found within:

FCA Handbook - Insurance: Conduct of Business Sourcebook, Section 7.1

Yes, you can change your vehicle mid-way through your policy.  Depending on the type of policy you have with us will determine whether we need to note your new vehicle registration number on your policy.

If you have a 'Vehicle' policy, where your car is mentioned on the certificate of insurance, then we will need to know your new registration number.  To make this change, get in touch with us by filling out the Contact Us form.

Make sure you include your policy number and the replacement vehicle's:

• Make
• Model
• Reg
• Date of first registration (if you have it)

Please remember, the amount charged for a change of vehicle is £8.00, this can be found in the terms of business document we sent you at purchase.

If your replacement vehicle is older than the original, there will also be an additional charge as older vehicles cost more to insure. We'll make any charges to the card that was used to make payment for the policy in the first place, and advise of these when we email out your revised certificate of insurance.

Once you receive your revised certificate, your vehicle switch will take place over-night.

If you have a 'Personal' policy then we do not need to note down any registration numbers of the cars you are travelling in.  'Personal Cover' means that it covers you, and any additional drivers you've added to your policy at purchase, for breakdown in any car that meets the criteria of your policy.  There will be vehicle type, age and size restrictions so please check your certificate and ensure that the vehicle you are travelling in is within these parameters and therefore covered under the policy.

You should contact the Breakdown Assistance Provider using the emergency number which can be found on either your policy wording or certificate of insurance. The number is available 24/7 365 days a year and is not the numbers you would call if you wanted to make a change to your policy.

You should be aware that calling the wrong assistance provider may result in you being told you don't have cover as different companies will not be aware of each-others' customers. This is why it is important to call the number you have been provided on your documents.

See below the numbers for the assistance providers (also known as Rescue Controllers or Breakdown Recovery Operators) for the different insurance plans we offer:

Call Assist: 0333 006 8854 or +44 333 006 8854 from Europe
Emergency Assist Ltd: 0330 320 4548
Eversure (Provided by Collinson Group): 0333 006 8849 or +44 333 006 8849 from Europe
National Breakdown: 0333 006 8856/7 or +44 333 006 8856/7 from Europe 

There is no guarantee your insurer will reimburse fees you have incurred from getting assistance from another assistance provider. 

If you need any changes to the policy, you would need to contact us here and we will reply to you during our working hours.

This depends on the assistance provider. Please check the policy wording for your quote or policy.

This depends on which policy you have as the single trip duration for each provider is different, please check your policy wording.

If you have an annual policy with Collinson or National Breakdown,  the maximum trip length under the policy is 90 days.

If you have the annual policy with Allianz Global Assistance, it's 31 days.

This means that you can take as many trips as you like within the policy duration providing one trip doesn't exceed the limit on the policy. 

We offer breakdown policies that cover the vehicle, which means anyone driving the vehicle, with the owners permission of course, can use the policy in the event of a breakdown.  

We can provide a cover for Taxis or vehicles being used for private hire, please visit: https://www.comparebreakdowncover.co.uk/taxi-breakdown-cover.aspx to obtain a quote.

Our Assistance provider, Call Assist can only provide cover for taxis up to 10 years old.

From the instant quote page, insert the registration number and select TAXI from the vehicle type drop down options. 

Unfortunately we cannot provide cover to Channel Islands residents.

We sell a few different types of polices at a few different prices. 

By taking a policy that has an excess on claim, you'll find you pay less up front.

You'll be able to see if the policy you're looking at buying has an excess by checking your quote.  

 However, some aspects of your cover may operate on a pay and reclaim basis, such as overnight accommodation or motorway recovery fees. This means that you will need to pay for the costs and then reclaim them from your assistance provider. If this happens, it's really important that you keep all your receipts.

Yes, some of our providers will cover company vehicles that are taken abroad for personal use. The company vehicle must be registered in the UK and you must have the necessary permission and insurance to drive the vehicle abroad.

The vehicle must also meet the definition of a vehicle type that would normally be covered. See our Cover Information Table for more information.

Please note we do not provide breakdown cover for commercial vehicles that are being used for business purposes in the UK or whilst travelling overseas. Please check the Cover Information Table for more details.

No, our breakdown policies cannot be purchased for hired vehicles.

If your vehicle doesn't come with a spare wheel, it will usually either be running on a type of tyre called 'run-flats' or it will come with a tube of sealant which can be used to get you going to the next service station.

If this is the case, we'll still provide assistance. However, if your vehicle was supposed to have a serviceable spare and you don't have it, we will decline cover.

Motorbikes are covered because it's just not practical for us to make you carry a spare around your neck!

Some of our providers will provide assistance for legal costs and expenses in recovering uninsured losses up to the amount shown in the Cover Information Table.

None of the policies we sell cover the cost of replacement parts that your vehicle needs.

Some of our providers cover you if the garage are unable to obtain spare parts locally for the cost of getting the parts delivered.

They will arrange to have them delivered to you, subject to availability and import restrictions. Please note you are responsible for the cost of the spare parts themselves and any customs duty payable.

All of our providers will cover you on the journey between your home address and your point of international departure from the UK.

In addition, some of our providers include ‘cover before you depart’, meaning that if you purchase in advance of a specified short time period of your planned departure and your vehicle is then stolen and not recovered, or an event occurs which means you cannot use your intended vehicle before you travel, alternative arrangements can be made.

If you purchase within this specified short time period of your planned departure then the ‘cover before you depart’ section will not apply, however you will still be covered on the single journey between your home and point of exit from the UK.

Single trip limits vary between our breakdown cover providers. When  you submit your quote, only the providers with the amount of days your require will provide you availability, please refer to the policy wordings for full details.

Our annual products will cover your vehicle for 12 months from the commencement (start) date of your policy.

It will also cover you for any number of round trips in that year, provided each trip isn't Longer than the maximum permitted duration offered by your policy. So if your policy covers trips up to 30 days, you can take as many trips in that year as you like, as long as no one trip is more than 30 days long.

This will usually be measured by asking for proof of the departing and returning tickets across the channel.

You can find this information in the policy wording of the policy. 

Yes, there will be a restriction on the maximum weight, length, height and width of your vehicle. Please refer to our Cover Information Table for more details.

You are covered throughout the UK and/or mainland Europe, as defined in your policy or service agreement schedule, please check through your policy wording at the countries listed to ensure cover can be provided in the European country you are driving in.

Some of these territorial limits vary between our providers.  For full details, check our Cover Information Table.

By entering your vehicle's details in the Instant Quote Engine (see image below), you'll only see the cover providers that will work with your vehicle.

That said, you still need to make sure that your vehicle meets all of the requirements in terms of size (as we can't currently determine this from your reg.).

All of our providers can cover cars up to 3500kg, and some of our providers can also cover motorcycles, motorised caravans and light vans.

Other vehicles may be supported by our providers individually.

Please refer to our Cover Information Table for more details.