Annual breakdown cover

Driver looking under the car bonnet in the rain

Get annual breakdown cover with AXA Assistance (UK) Ltd

You can drive safe in the knowledge that AXA will be there if you break down, and they’ve won Best Breakdown Cover Provider at the Personal Finance Awards every year since 2014.

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.

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

What annual breakdown covers

Our UK and European annual breakdown cover gives you the following benefits:

Roadside assistance including Homestart

Provides one hour’s labour to try and repair your vehicle and get you back on your way as soon as possible. If your vehicle cannot be repaired, we will arrange recovery for you, up to eight passengers, and your vehicle to a suitable garage. Please note that the cost of parts is not covered, and we will not be responsible for more than two claims arising from a common fault with the same vehicle

Recovery in the UK

If your vehicle cannot be fixed the same day, do not worry, we will help by either getting you and your passengers to your destination or taking you home. Alternatively, we could arrange and pay for overnight accommodation for you and up to eight passengers, or arrange a hire vehicle for you to continue your journey*. Please note that accommodation is subject to a maximum cost of £80 per person per night (up to a maximum of £500). The hire car provided will be available for a maximum period of 24 hours, and will have up to a 1600cc engine

EU cover

If you are travelling in the EU and your vehicle cannot be repaired within eight hours we will take you, your passengers and luggage to your intended destination, provide a hire vehicle so that you can continue on your way, or alternative accommodation*, providing that you've already paid for your original accommodation and can't get your money back. Please note that the accommodation is subject to a maximum cost of £80 for each person each day (up to a maximum of £500)**

EU repatriation

If your vehicle is not repaired before your planned return date to the UK, cover includes transport costs to get you, your passengers, and your vehicle home. Please note that cover will not be provided if the costs of returning your vehicle to the UK would be greater than the market value of your vehicle in the UK after the breakdown

Alternative driver

We will provide an urgent message relay and alternative driver benefit should you be physically unable to drive the vehicle. Please note that a medical certificate must be provided.

Please be aware that the vehicle must carry a serviceable spare tyre and wheel for the vehicle and any caravan or trailer attached, including the means to release the wheel from your vehicle. We will not cover any services or costs, including recovery to a garage, incurred as a result of you failing to do so. This condition does not apply if the vehicle was not designed to carry a spare wheel, in which case you will need to carry the appropriate aerosol repair kit.

* AXA will choose a suitable recovery solution depending on your individual circumstances.

** In some cases it may be necessary for customers to pay for overnight accommodation and claim it back, if AXA are unable to book and pay for it on their behalf.

Cover

Roadside

Recovery

Recovery and Homestart

European

Roadside assistance

Roadside assistance is included in our Roadside package Roadside assistance is included in our Recovery package Roadside assistance is included in our Recovery and Homestart package Roadside assistance is included in our European package

Local recovery

Local recovery is included in our Roadside package Local recovery is included in our Recovery package Local recovery is included in our Recovery and Homestart package Local recovery is included in our European package

One hour service promise

One hour service promise is included in our Roadside package One hour service promise is included in our Recovery package One hour service promise is included in our Recovery and Homestart package One hour service promise is included in our European package

Nationwide recovery

Nationwide recovery is not included in our Roadside package Nationwide recovery is included in our Recovery package Nationwide recovery is included in our Recovery and Homestart package Nationwide recovery is included in our European package

Emergency hire car

Emergency hire car is not included in our Roadside package Emergency hire car is included in our Recovery package Emergency hire car is included in our Recovery and Homestart package Emergency hire car is included in our European package

Overnight accommodation

Overnight accommodation is not included in our Roadside package Overnight accommodation is included in our Recovery package Overnight accommodation is included in our Recovery and Homestart package Overnight accommodation is included in our European package

Homestart

Homestart is not included in our Roadside package Homestart is not included in our Recovery package Homestart is included in our Recovery and Homestart package Homestart is included in our European package

European cover

European cover is not included in our Roadside package European cover is not included in our Recovery package European cover is not included in our Recovery and Homestart package European cover is included in our European package

Repatriation to the UK

Repatriation to the UK is not included in our Roadside package Repatriation to the UK is not included in our Recovery package Repatriation to the UK is not included in our Recovery and Homestart package Repatriation to the UK is included in our European package

Please note: 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 a return of premium will be provided, less a charge for the number of days cover provided and an administration fee of £15.

We also offer breakdown cover as an optional extra as part of Co-op Car Insurance. Find out more.

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.