UK Policy Summary

Summary of annual UK Breakdown Cover
(Breakdown Direct 401 includes European cover extension)

  • Key FactsPlease read this document carefully. The information given here is only a summary of the cover provided. Full terms and conditions can be found within the policy document so please take time to read this and understand the cover it provides.
  • Vehicle Breakdown and Key Protection Cover is underwritten by Inter Partner Assistance S.A (part of the worldwide AXA Group), The Quadrangle, 106-118 Station Road Redhill, Surrey RH1 1PR. Motorists’ Legal Expenses Cover, has been arranged through Amicus Legal Ltd and is underwritten by DAS Legal Expenses Insurance Company Limited. All cover will run for 12 months or as shown on your Breakdown Cover policy schedule.

Depending on the level of cover chosen, the following sections will apply:

Level of Cover 101 201 301 401
Sections Applicable Section A Sections A & B Sections A-C Sections A-D
1hr roadside assistance √ √ √ √
Tow to local garage – max 15 miles √ √ √ √
Recovery to preferred UK destination   √ √ √
Hire car / overnight accommodation   √ √ √
Cover at home address     √ √
European cover       √
Free legal Advice √ √ √ √
Free legal expenses     √ √
Free lost key cover   √ √ √
Free caravan/trailer cover √ √ √ √

Significant features

  • Your policy covers your vehicle or anyone driving with your permission.
  • At the start of cover, your vehicle must be no older than 10 years old and in good working order
  • Your vehicle must not exceed the following: 3,500 kg gross vehicle weight, or 5.1m in length, 2m in height and 2.1m in width
  • Any breakdown that happens during the first 24 hours after cover is taken out for the first time is not covered, except for those benefits available under Section A, which are available immediately.
  • European cover has maximum trip duration of 31 days, and 90 days in all during the annual period of cover.
  • If your vehicle is in a position where it cannot be easily accessed or worked on e.g. buried in snow, you may be responsible for the costs of any specialist equipment required to remove or recover it.
  • Recovery or assistance where your vehicle is being used for the carriage of people for hire or reward is not covered, unless we have agreed this with you in writing.
  • You can upgrade your cover at any time, but if you do this during the period of cover, you must pay the full annual premium for the extra cover, less any amount already paid. There will also be an administration fee, which we will tell you about, and obtain your agreement before we process your upgrade.

Motorists legal expenses Cover - Significant features

  • Motorist's legal advice and expenses, up to £100,000, helps you to recover uninsured losses and costs from the person responsible, if your vehicle is accidentally damaged or you and/or your passengers are harmed
  • It must be more likely than not, that Amicus Legal Limited will recover damages.
  • Any legal costs and expenses incurred before Amicus Legal Limited have accepted the claim.
  • All claims must be registered within 180 days of the accident happening.

Key Protection Cover - Significant features

  • All claims must be reported to AXA Assistance within 48 hours of the incident first taking place.
  • Key Protection Cover, up to £350 per annum in total, including VAT.

Cancellation Period

  • If you wish to cancel this cover, you have 14 days from the time you receive the policy documentation to do so, by contacting Breakdown Direct at info@breakdowndirect.co.uk, or through your online account. We will return any premium paid providing no claims have been made on the policy during that time, less an administration fee of £10.

Claim Notification

  • To obtain Breakdown and Key Cover assistance in the UK, contact the 24-Hour emergency helpline on: 0800 389 5424 or 00 44 1737 815224, when outside the UK. To make a claim on your Motorists’ Legal Expenses Cover, contact Amicus Legal Limited on 01206 366500.

Making Yourself Heard

Our aim is 100% customer satisfaction, but, if you have a complaint, please contact the Customer Service Manager at Breakdown Direct on csm@breakdowndirect.co.uk.
In the event of you not being satisfied with the handling of your complaint, for:

  • Breakdown and Key Protection Cover, you can write to the Quality Manager, who will arrange an investigation on behalf of the General Manager, at: Inter partner Assistance, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR or telephone 0870 609 0023.
  • Motorists’ Legal Expenses Cover, please write to the Claims Director, Amicus Legal Ltd, The Old Exchange, 64 West Stockwell Street, Colchester, CO1 1HE.

If it is impossible to reach an agreement you have the right to make an appeal to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR or telephone 0845 080 1800.
The existence of these procedures does not affect your right to take legal proceedings.

Details about the Regulator

Our underwriters are regulated by the Financial Services Authority. The Financial Services Authority website which includes a register of all regulated firms can be visited at www.fsa.gov.uk/register, or the Financial Services Authority can be contacted on 0845 606 1234.
Inter Partner Assistance and are members of the Financial Services Compensation Scheme (FSCS). The FSCS is a safety net for customers of financial services firms should the relevant company not be able to meet its liabilities. Further information can be obtained from www.fscs.org.uk

Buy Online Now

"We pretty much tested every part of our breakdown cover, and can say with authority - it works!"
Tim Swift - Landrover Discovery.

  • Average response rate under 40 minutes (UK).
  • Breakdown cover for cars, motorcycles and commercial vans. Limits apply.
  • Discounts of up to 30% for multi vehicle policies (UK cover).
  • 14 day money back guarantee. Subject to T&C's.
  • Simple online policy managment.