Hastings Direct — Car, Van, Bike & Home Insurance

Car breakdown

When you get a quote for your car insurance, you can choose to add our optional car breakdown cover. We offer four levels of cover – from basic roadside recovery and misfuelling to breakdown cover in Europe.

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What is breakdown cover?

Breakdown cover gives you peace of mind, knowing that if your car breaks down someone will come and rescue you and your car.

Breakdown cover features and benefits

We offer four levels of breakdown cover:

  • Roadside recovery
  • UK recovery
  • Home service
  • European cover

If your vehicle can't be driven because of a breakdown, your insurer will arrange for the service as shown below.

Service Roadside recovery UK recovery Home service European cover
Misfueling in the UK
UK-wide coverage
Roadside Assistance
Caravan and Trailer Service
Recovery away from home
Emergency Driver
Home Service
European Cover

We offer four levels of breakdown cover:

  • Roadside
  • Roadside & recovery
  • Roadside, recovery & at home
  • European motoring assistance

If your vehicle can't be driven because of a breakdown, your insurer will arrange for the service as shown below.

Service Roadside Roadside
& recovery
Roadside,
recovery
& at home
European motoring assistance
Misfueling in the UK
UK-wide coverage
Roadside Assistance
Caravan and Trailer Service
Recovery away from home
Emergency Driver
Cover at home
Cover in Europe

If you're planning on a driving holiday to Europe, find out more about our European breakdown cover. Get the freedom to take to the open roads without having to worry about any vehicle breakdown complications on the way or while you're out there.

We also offer a range of optional extras, such as enhanced personal accident cover, motor legal expenses and car key cover, which you can easily add to your car policy. Limitations may apply to these products.

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Do I need breakdown cover?

Car breakdown cover isn't a legal requirement, it's simply to give you the reassurance of knowing you'll be covered in the event of your vehicle breaking down.

What do you do if your car breaks down?

It can be highly dangerous breaking down on fast, poorly lit or winding roads. If you've broken down, please see the following checklist for help:

1. If possible, try to leave the motorway and go into a layby, service station or car park

If your vehicle isn't going to make it that far, pull up onto the hard shoulder keeping as far away from the road as possible, and park with your wheels facing left. Keep an eye out for where the nearest emergency telephone is as this directly contacts the Highways Agency or the police.

2. Put your hazard lights on

If visibility is poor due to bad light or weather, you can turn your sidelights on as well. If you've broken down in thick fog and you can't see more than 100 metres ahead, you can also use your rear fog lights. If you have a warning triangle don't use this on a motorway. If you're on a road and it's safe to do so, place the triangle a minimum of 50 yards (45m) behind.

3. Stay in a safe place

Once stationary, get out of your vehicle on the opposite side of oncoming traffic. If you have any reflective clothing, be sure to take this with you and make sure to find a safe place to wait, as far away from the oncoming traffic as possible. If there's a safety barrier – wait behind it.

4. Contact someone

Now's the time to contact whoever you have breakdown cover with. If you don't have a mobile phone or don't have breakdown cover, walk to an emergency phone to get in touch with the Highways Agency or police.

Breakdown assistance

Policy taken out before 23rd August 2018

AXA

Policy taken our after 23rd August 2018

RAC
Open 24 hours a day, seven days a week.

Car insurance

Our refreshingly straightforward car insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

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