Motor Breakdown Cover

Cover is offered to any motorised vehicle that can be driven on public roads and requires insurance, such as cars, motorbikes, motorhomes, caravans, and vans. The LV= team is also equipped to provide repairs to hybrid and electric cars.

However, in special circumstances, certain size and weight limits may apply. LV= are unable to cover a vehicle if it exceeds any of the following dimensions:

• Caravans and trailers - 8 metres in length (including A-frame).
• Motorhomes - 8 metres in length or 7.5 tonnes in weight.
• All other vehicles - 7 metres in length, 2.3 metres in width, 3 metres in height or 3.5 tonnes in weight.

Motor Breakdown covers a large range of incidents; but in certain circumstances, your vehicle might not be protected.

Cover will not be provided for…

• Faults which do not stop you from driving, such as a washer jet or faulty headlight
• Specialist equipment if you need to be recovered from mud, snow or floods
• A car that's not roadworthy or is without valid road tax or an MOT
• Any vehicle that's being used as a taxi for private or public hire or for delivery or courier service

No. Your policy does not require an excess payment if a call-out is necessary. Only additional services, not included within your coverage, will incur additional fees.

If your vehicle faces an issue on the road, try to pull over to the hard shoulder or as far left (if in the UK) as possible. Leave the vehicle, if it is safe to do so, otherwise stay where you are and keep your seatbelt fastened. If you are able to extract yourself, do not stand in front of your vehicle. Move behind from the road onto either a verge or behind a barrier, if present. You should keep a clear view of traffic.

Once in a safe position, make a note of your location. If you are covered by Motor Breakdown, provided by LV= Britannia Rescue, you can then call the 24-hour breakdown line: 0330 678 7151 (or +44 (0)1484 435806 from overseas)

Lines are open 24 hours a day. 7 days a week. Calls will be recorded.

Before travelling to any country in Europe, you should check the local driving legislation and restrictions. Make note of the emergency numbers you’ll need to call and what advice is for motor breakdown incidents, as these will change between countries in Europe.

You’ll also need to confirm your policy includes European coverage. In the case Motor Breakdown, provided by LV= Britannia Rescue, this is only offered to Deluxe customers.

For European assistance, you should call: 0330 678 7151 (or +44 (0)1484 435806 from overseas)

Lines are open 24 hours a day. 7 days a week. Calls will be recorded.

Yes, anyone who feels vulnerable will be given priority. There is a safety process in place that LV= follow in the event anyone feels vulnerable or is in a dangerous situation. This ensures you’re prioritised and provided safety advice, as well as an update being given to the highways agency, if appropriate, depending on the location of the breakdown.

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

A Road Traffic Collision (RTC) is different to a traditional breakdown scenario. First, you should make sure you and those around you are safe. If anyone has been injured during the collision or the road has become blocked, you should call the emergency services for assistance. After this, we recommend contacting your car insurance company.

If your car insurance provider is unable to help, a Motor Breakdown policy might be able to step in. However, if specialist equipment is required to recover your vehicle, such as a hoist or winch, you will have to cover these costs.

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.

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 car insurance or away from home under your home contents insurance.

Deluxe coverage will protect you in a range of countries across Europe, including Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Former Yugoslav Republic of Macedonia, Malta, Moldova, Monaco, Montenegro, the Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Urals), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey in Europe, Ukraine.

LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers, with more than 6.5 million customers and 4,000 employees. Throughout their 170 year history, they have put people and customers at the heart of everything they do.

Britannia Rescue is a trading name of LV=.