About your quote

1. Prices shown include the insurance premiums paid to the insurer(s) and a fee under a separate agreement between you and Covered for arranging and managing your coverage. Please refer to the policy details for more information.

If you change your address within the first three months of membership, your premium may be adjusted.

Personal and domestic use only

This coverage should not be purchased for vehicles used for any commercial purposes, such as:

• Transporting goods or passengers for hire
• Goods delivery or pickup
• Passenger transport
• Moving tools, equipment, or materials
• Vehicles used for trade purposes, sporting events, or mixed usage

Using this policy for vehicles employed for commercial purposes may limit our ability to assist or incur additional charges. For commercial use, consider our Business Breakdown Cover.

Breakdown assistance only

This coverage provides emergency help for unexpected mechanical or electrical issues that prevent the vehicle from being driven safely or continuing the journey.

It does not cover non-emergency, cosmetic, self-inflicted faults, or suspected third-party damage. This policy is not a substitute for routine servicing, maintenance, repairs, or faults caused by the driver.

In cases where the vehicle has not been properly serviced or maintained, our assistance may be limited or incur additional charges.

Only roadworthy and legally compliant vehicles

Assistance is provided only for vehicles that are roadworthy and comply with legal standards. It does not cover unsafe, unroadworthy, unlawful, overloaded, or improperly used vehicles.

Throughout the policy term, ensure vehicles are serviced annually (or as per manufacturer recommendations), maintained according to guidelines, and are in good condition and safe for road use. Vehicles must also be taxed, insured, and have a valid MOT certificate.

If the vehicle does not meet these conditions, we will be unable to provide assistance.

No coverage for repeat call-outs or pre-existing conditions

Assistance will not be provided for the same fault within 28 days unless a permanent repair has been completed by a garage. Arrange for a permanent repair following any temporary repair done by us.

Coverage will not extend to any pre-existing faults known before purchasing the policy. Attempting to use the policy for known faults or temporary repairs may result in limited assistance or additional charges.

Eligible vehicles and drivers

The policy covers vehicles up to 3.5 tonnes (3,500kg) in weight and 2.55 meters (8 feet 3 inches) wide.

Do not use the breakdown cover for vehicles exceeding these dimensions. Assistance is also not available for vehicles that have been vandalized or subjected to malicious damage, as these are typically covered by motor insurance.

For vehicle-based policies, the registered vehicle is covered for all drivers. If you change your vehicle, update us promptly.

Personal-based policies cover the vehicle only if the member is present as a driver or passenger during the breakdown. Assistance cannot be provided if drivers or passengers are abusive or uncooperative.

Financial difficulties?

If your current financial situation is challenging and you need additional support, call us at 0330 202 0650.

Assumptions for Your Quote

Your quote assumes:

• You are driving a roadworthy car, motorbike, van, motorhome, or minibus
• Your vehicle is taxed and has a current MOT
• Your vehicle weighs a maximum of 3.5 tonnes (3,500kg)
• If you have a caravan or trailer attached, it also weighs a maximum of 3.5 tonnes (3,500kg)
• Your vehicle, caravan, or trailer is a maximum of 2.55 meters (8 feet 3 inches) wide, excluding mirrors
• If you reside in the Channel Isles or Isle of Man, or require coverage for other circumstances, call us at 0330 202 0650.

For fleets, business coverage is required.

Regulatory Information

WeAreCovered.co.uk is a trading style of Bankstone Limited. Registered in England No: 5193549. Registered address: Bankstone Limited, 9 Burnley Road, Todmorden, Lancashire, OL14 7BU. Bankstone Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 313985.

Covered policies are underwritten by Financial & Legal Insurance Company Limited, which is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 202915