Breakdown cover

Driver looking under the car bonnet in the rain

Annual and short trip breakdown cover is offered through Co‑op Insurance Services and underwritten by AXA Assistance (UK) Ltd.

If you have Co-op Car Insurance, you can get our highest level of vehicle breakdown cover with AXA Assistance (UK) Ltd – they’ve won Best Breakdown Cover Provider at the Personal Finance Awards every year since 2014.

Breakdown cover overview

What does it include?

Homestart and European breakdown cover.

What if I’ve got car insurance with another insurer?

You can still buy a range of breakdown cover from Co-op – including short trip or annual cover.

Optional extra

Add it on to your new or current Co-op Car Insurance policy

With Co-op Car Insurance, you and all your named drivers get our highest level of breakdown cover. This includes:

  • UK and EU breakdown cover
  • use of our online recovery tool
  • Homestart
  • response within an hour, or £20 to say sorry (only in the UK and if the circumstances are within our control)
  • getting you to your destination if your car can’t be fixed on the spot (though 4 out of 5 UK breakdowns are fixed there and then).

There are over 3,500 breakdown specialists across the UK.

Add to your existing Co-op Car Insurance policy

Please note: this optional extra is not available to young driver or ecoinsurance customers, as the breakdown provider for these products is RAC Motoring Services. If you cancel this cover within 14 days of receipt of your policy documents, you will be entitled to a refund of any premium paid, less a charge for the number of days cover has been provided. If you cancel this cover after this time no refund will be given.

Find out more.

Award-winning cover

Best Breakdown Cover Provider at the Personal Finance Awards for the last 7 years, underwritten by AXA Assistance (UK) Ltd

The Personal Finance Awards Winner 2020/21

Get breakdown cover that suits you

Choose annual vehicle, personal, joint or family cover and then the level you need:

  • Roadside and local recovery
  • Nationwide recovery
  • Nationwide and Homestart
  • Nationwide, Homestart and European.

Find out more.

Short trip cover

Get full cover in the UK and EU for short trips of up to 31 days. It’ll get you going – or get you home.

Cover includes:

  • UK and European cover including Homestart
  • English speaking assistance 24 hours a day.

Find out more

Check you’re not already covered

Before you buy breakdown cover with us, make sure you haven’t got it elsewhere, as part of a bank account or through a car purchase.

If you do, compare the features and benefits of your existing policy with the ones we can offer you. You should also check the cancellation terms of your existing policy – you might have to pay to cancel it.

This will make sure you’re not losing money or paying for two policies when you can only claim on one.

Annual and short trip breakdown cover is offered through Co‑op Insurance Services and underwritten by AXA Assistance (UK) Ltd.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view the policy documents (available to download on each product's page) for further details.

Optional Motor Breakdown and Accident Recovery service are provided on behalf of Co-op Insurance by AXA Assistance (U.K.) Limited; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Limited is authorised and regulated by the Financial Conduct Authority under register number 439069.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Applicants for insurance are subject to normal underwriting criteria.

Standalone Annual and Short Trip breakdown cover is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Assistance Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from us on request. Inter Partner Assistance SA firm register number is 202664. You can check this on the Financial Services Register by visiting the FCA website.

AXA Assistance (UK) Limited operates the 24-hour motoring assistance helpline.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.