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, underwritten 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 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.