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Motor breakdown cover

Age UK Motor Breakdown from just £69^

Lines are open 8am-8pm Monday to Friday, 9am-5pm Saturday.
Calls may be recorded. Age UK Motor Breakdown cover is provided by Aria Insurance Services Limited.

Buying this product supports Age UK’s charitable work.

Age UK Motor Breakdown includes Roadside and Home service all from just £69^.

This wide-ranging UK Motor Breakdown Insurance cover can take care of you in many circumstances, no matter where in the country your vehicle break down occurs. There is a UK-wide network of 2,000 breakdown specialists.

Changing a wheel on a carTake a look at these great benefits:

  • Cover for people of any age
  • Cover for vehicles of any age – as long as they are in a roadworthy condition
  • Doorstep and Roadside service
  • No enrolment fee
  • Caravans and small trailers are covered when attached to the vehicle
  • Optional European cover available

What's included

UK and European motor breakdown cover: What's included and what isn't.

In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions. 

UK Cover

Premium for first vehicle under 11  years old £69
Premium if vehicle is 11 years or older  £79
Extra premium for each additional vehicle (up to three) kept at the same address £29.50

 Note: The premiums above include Insurance Premium Tax

Emergency Assistance

If you break down you will be covered for the cost of the call-out and emergency assistance charges. If your vehicle can’t be repaired immediately at the scene, or if it is not safe to try, you will be transported with your passengers to the nearest garage.†


What's Included

Message Relay Service A message can be sent to your friends or family to let them know what's happening.
Vehicle Recovery and Onward Transportation

If repairs cannot be completed by the end of the working day you will be provided with one of the following:

  • Transportation of you, your passengers and your vehicle to either your home, your original UK destination, or a repairer of your choice in the vicinity of either of these locations.
  • Up to £100 towards either: a replacement self drive rental vehicle for up to 24 hours, public transport costs or overnight accommodation costs where you are more than 25 miles from home.
Medical Transfer Service If you are more than 50 miles from home and a passenger is taken ill and needs to stay in hospital, we will arrange and pay for the cost of the patient to be taken to a hospital near their home as soon as it's safe to move them.
Alternative Driver Service If you are the only driver and have to stop because you are ill or injured, you will be covered for the cost of your travel home by taxi, train or coach and for someone to return to collect your vehicle.

Eligibility List

You can get Age UK Motor Breakdown insurance whatever your age. Eligible vehicles must be owned by or the responsibility of the policyholder or his/her immediate family.

Your vehicle must be one of the following:

  • Car or estate car
  • Motorised caravans
  • Light vans
  • 4x4 sport utility vehicles
  • Motorcycles
  • Minibuses
  • Towed caravans or trailers of proprietary make

It must also:

  • Be registered in the UK
  • Be in good roadworthy condition.
  • Not used by you for hire or reward
  • Maintained and serviced to the manufacturer’s specifications
  • Each not exceeding (including any load carried) the following gross vehicle weight and dimensions 3500kg, length 7m, height 3m; width 2.25m
  • Carry no more than the number of persons recommended by the manufacturer and for whom seats are available subject to a maximum of 8 persons including the driver.

European Cover Extensions

Additional Premium for European Cover per vehicle under 11 years £30
Additional Premium for European Cover per vehicle 11 years or olde £40

  Note: The premiums above include Insurance Premium Tax

European Cover includes:

CoverWhat will be paid forLevel of cover up to:
Cover Prior To Departure Rebooking your crossing if your vehicle is unavailable because of breakdown,  accident, fire or theft in the 24 hours before you travel.  
Roadside Assistance Roadside repairs and local vehicle recovery charges following a breakdown, accidental damage, fire or theft.

Spare parts are not included.

Missed Motorail Connection Vehicle storage, return rail tickets and/or up to £450 for the hire of a replacement vehicle if you miss your pre booked outward journey due to accident or breakdown. £450 for the hire of a replacement vehicle.
Covers up to a Group C hire car.
Replacement Parts Despatch Locating and despatching essential spare parts needed to repair your vehicle. Despatch charges in excess of the value of the vehicle. The cost of the spare parts is not covered.
Break In Emergency repairs necessary to allow you to continue your trip. £175
Vehicle out of use

If your car cannot be repaired during the 7 days immediately prior to your trip or within 8 hours during your trip you will be paid  for one of the following:

  • transportation by public transport to your original destination.
  • hire of a group C car
  • the cost of local overnight accommodation whilst repairs are completed.
Hire car charges of up to £70 per day (£800 limit)


for hotel accommodation £40 per person per night  (£800 limit)
Camping Trips If your tent cannot be used due to theft or accidental damage, you will be paid for the cost of hiring and delivering a replacement, or paid for emergency bed and breakfast accommodation.  Up to £100 per person and £500 in total.
Alternative Driver If you are declared medically unfit to drive and there is no other suitable driver available, then you will be provided with a qualified driver to return the vehicle to the UK. Up to £100 per day.
Repatriation You will be paid for the costs of transporting your vehicle back to your home address if it can’t be repaired abroad, or paid the public transport costs to return one person to recover the vehicle once it has been repaired. Up to the market value of the vehicle.
Customs Regulations If your vehicle is damaged, or breaks down and is beyond economic repair, its disposal and the customs formalities will be dealt with.  
Bail Bonds Following an accident a court bond will be provided to release you from custody. Up to £1000
Motoring Legal Protection Telephone advice on any legal problem in connection with your trip. Legal costs to defend you against an alleged motoring offence. Legal Expenses to pursue a claim for compensation for injury suffered following a road traffic accident. Up to £1000 to defend a motoring offence.
Up to £10,000 to pursue a compensation claim.

Exclusions for European Cover

If you buy your policy less than 24 hours before your planned departure date, you are not covered for "Prior to departure benefits”.

Individual trips which exceed 31 days are also not covered. The total number of days abroad in any one 12 month period must not exceed 90 days.


Below are a few of the questions customers often ask about Age UK Motor Breakdown insurance.

A couple looking under the bonnet of a car

Q. How do I make a claim?
Q. How long can I expect to wait for someone to come to my assistance?
Q. I am in my 70s, do I get priority if I breakdown?
Q. If I break down in the middle of the night, can I get roadside assistance?
Q. Do you have a Money-Back Guarantee?
Q. Are there any exclusions to my cover?
Q. Can I claim back my repair costs?
Q. If my car is broken into can I claim for any contents taken?

Q. How do I make a claim?

A. You must contact the insurer first to obtain authorisation before incurring any expenses. Call the emergency phone number on 01444 442277 either in the UK or Europe. Age UK Motor Breakdown Claims Helpline operates 24 hours a day, 365 days a year. If you need to make a claim after you return home, you will need to get a claim form and then return it.

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Q. How long can I expect to wait for someone to come to my assistance?

A. The average arrival time is 60 minutes.

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Q. I am in my 70s, do I get priority if I breakdown?

A. Yes, anyone who feels vulnerable will be given priority. The over 50s insurance cover not only provides protection, but peace of mind too. Catering specifically for the over 50s, we take your needs into account.

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Q. If I break down in the middle of the night, can I get roadside assistance?

A. Yes, the control centre and vehicle breakdown recovery specialists operate 24 hours a day.

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Q. Do you have a Money-Back Guarantee?

A. We want you to be completely happy with your insurance so there is  a money back guarantee. If you’re not satisfied with your policy, you can return it within 14 days for a full refund. You will not be entitled to a refund in the 14 days, if you have made a claim.

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Q. Are there any exclusions to my cover?

A. Age UK Motor Breakdown can’t cover you in every single situation or when you are taking part in certain activities. The principle times your vehicle is not covered are:

  • If it cannot be reached because of floods, snow, sand or mud
  • If it has been used for motor racing, rallies, speed or duration tests and track days
  • If the vehicle is unsafe or not roadworthy when cover was taken out
  • If it is being used for hire or reward – such as a minicab
  • If it has not been maintained and serviced in accordance with the manufacturer’s recommendations
  • Costs incurred by not carrying a serviceable spare tyre
  • The cost of draining or removing contaminated fuel or other liquids.

Further details can be found in your policy summary

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Q. Can I claim back my repair costs?

A. The motor breakdown policy covers the initial labour cost required to provide assistance at your home or at the roadside. It does not include any labour costs incurred at the garage or the cost of any replacement parts or other materials used to repair the vehicle.

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Q. If my car is broken into can I claim for any contents taken?

A. The policy doesn’t cover claims for loss or damage to the contents of the vehicle. You should make sure these are covered either under your motor insurance, or away from home under your home contents insurance. We also offer Age UK Car Insurance and Age UK Home Insurance, designed specifically for the over 50s.

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For more information

0800 731 3933* 0800 731 3933*

Lines are open 8am-8pm Monday to Friday, 9am-5pm Saturday.

Request a brochure

Find out more about Age UK Motor Breakdown Cover

** Not all Age UKs/Age Concerns offer all products. Please check (by calling your local office) before arranging a visit.

Age UK Motor Breakdown is provided by Aria Insurance Services Limited.

*If you call the 0800 number you will be dealing with Ageas Insurance Limited who sell and administer Age UK Motor Breakdown policies.

^For eligible vehicles under 11 years old. Vehicles over 11 years old will pay an increased premium.

† Excludes the use of specialist off highway recovery equipment or winching costs.

Age UK Enterprises Limited Ageas Insurance Limited and Aria Insurance Limited are not in the same group of companies.

The policy is underwritten by Great Lakes Reinsurance (UK) Plc.

Age UK is a registered trademark of Age UK (Charity number 1128267). The use of the name and logo Age UK is done so under licence agreement between Age UK and Age UK Enterprises Limited. Age UK Enterprises Limited is registered in England and Wales number 3156159. Registered address: Tavis House 1-6 Tavistock Square, London WC1H 9NA.