Breakdown & Replacement Vehicle & Excess Protection

Breakdown and Excess protection is there to protect you and cover the costs of breakdowns, reclaiming excess costs.

Breakdown cover ensures you are covered in the event of a breakdown by offering a recovery service. There are many different types of breakdown cover, so it is important to get the right cover to suit your needs.

Replacement Vehicle Cover
If your vehicle is declared a total loss following a claim, insurers are not obliged to provide a courtesy car beyond settlement. Replacement vehicle cover can help ensure you remain mobile while alternative arrangements are made, subject to the terms and limits of the policy.

If you claim under your main motor insurance policy, having excess protection allows you to recover the insurance policy excess which you are liable for after a successful claim. With policy excesses increasing and young, inexperienced drivers being susceptible to a larger excess, protecting against these costs can be hugely beneficial.