UK and European breakdown cover

Optional extra

Breakdown cover including homestart

Co-op Insurance has teamed up with AXA Assistance (UK) Ltd, voted Best Breakdown Cover Provider at the Personal Finance Awards every year since 2014 to provide comprehensive breakdown cover that gives you a fast and reliable service.

You can include vehicle breakdown cover when you take out a car insurance policy with us (that covers any drivers named on the policy), or choose from a comprehensive range of stand-alone breakdown products including personal and short trip.

All of our breakdown cover offers outstanding service including:

  • fast response - we aim to be there within the hour. If we’re not, we’ll give you £20 to say sorry (only in the UK and if the circumstances are within our control)

  • 4 out of 5 vehicles fixed at the roadside to get you back on your way (source: AXA Assistance UK internal data April 2020)

  • geographical cover - one of our 3,500 managed patrols will always be close by, wherever you break down in the UK

  • no excess on call outs.

Included as standard when purchased with our car insurance:

  • full UK and European cover
  • use of our online recovery tool
  • available when purchased with car insurance
  • insurance and breakdown cover in one single premium.

Standalone breakdown cover:

  • Local, Nationwide, Homestart and European options
  • personal and vehicle cover options
  • Short trip cover available.

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 no refund will be given.

Award-winning cover

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

The Personal Finance Awards Winner 2020/21

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 provided by AXA Assistance (UK) Ltd.

Optional Motor Breakdown is underwritten by Inter Partner Assistance S.A. UK Branch, with a registered office at 106-118 Station Road, Redhill, RH1 1PR. Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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 S.A. UK Branch, with a registered office at 106-118 Station Road, Redhill, RH1 1PR. Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s 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.