Hastings Direct

Car breakdown cover

Mechanic checking the engine of a car

What is breakdown cover?

Car breakdown cover offers you an extra layer of protection when you're out on the road, on top of your standard car insurance policy. With breakdown cover, you have that extra reassurance if your car lets you down.

At Hastings Direct, we offer four levels of car breakdown insurance, from basic roadside recovery to misfuelling and breakdown cover in Europe.

How does breakdown cover work?

Damaged tyres, flat batteries, alternator faults, worn out spark plugs... these are just some of the many causes of car breakdowns. While carrying out regular car maintenance will help to limit the chance of your car breaking down, you can't stop it from happening altogether – after all, who can predict a flat tyre from driving over a pothole? This is why many drivers make the decision to take out breakdown cover.

If your car's tyre blows, the engine doesn't start or the alternator gives up whilst driving on the motorway, depending on the level of cover you take out, your breakdown provider will come to your rescue. Breakdown cover is usually offered at the time of taking out car insurance, but it can be added to your policy at a later date if you feel like you'd benefit from the added protection.

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, provided by RAC:

  • 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

Do you need breakdown cover?

Owning and running a car isn't cheap, so some drivers avoid taking out breakdown cover as a way to keep costs to a minimum. But this could be a mistake, as if you were to break down and need assistance, the cost of being recovered is likely to outweigh the cost of an annual breakdown policy. Breakdown cover for cars isn't a legal requirement, but taking out a policy with us means you'll have access to a respected and trusted provider if and when you need them.

What is excess on breakdown cover?

Similar to your car insurance policy, you'll have an excess to pay should you breakdown and need roadside assistance. You might also be limited to how many times you can use your cover over the policy term.

What to do if you break down

Breaking down is inconvenient and frustrating – and it can also be pretty frightening if you find yourself at the side of a busy or dimly-lit road. Here are some tips to help keep you and your passengers safe whilst waiting for your breakdown provider to arrive:

On the motorway

Motorway hard shoulders are dangerous places to be, so if you think your car can make it, get off at the next service station or junction and find a safe place to park up. If you've no choice but to pull over to the hard shoulder, you should:

  • Pull over as far left on the lane as possible, turning your steering wheel to the left
  • Turn on your hazard lights
  • If it's dark, put on your sidelights, and fog lights if it's foggy and you can't see for more than 100 metres
  • Exit from the left-hand side of the car and make sure all passengers do the same
  • Stay as far back from the road as possible, behind the barrier
  • Locate a marker with your motorway position on it
  • Call for help while waiting with (but not close to) your car
  • The Highway Code advises pets remain in the car unless you consider it to be an emergency situation
  • If you feel at risk due to another person, get back into your car and lock all the doors until help gets there.

If your car gets fixed on the hard shoulder and you're ready to re-join the motorway, be patient and wait for a safe (meaning large) gap in the traffic. If it's clear and safe to do so, use the hard shoulder to build up speed before moving onto the carriageway.

On other roads

Small, fast, winding and dimly-lit roads can be just as scary to break down on, particularly if it's dark and there's no-one around. Here's what to do:

  • Switch on your lights. If visibility is poor due to bad weather or darkness, turn on your car's sidelights. Similarly, if thick fog means you can't see over 100 metres ahead or behind you, use your fog lights
  • Position your warning triangle. If your car's emergency kit includes a warning triangle, place it at least 45m behind your car. This will let other road users know to expect a broken down car ahead of them
  • Stay in a safe place. With the car stationary and warning triangle out, put on your reflective jacket (if you have one) and find a safe place away from the traffic. If there's a safety barrier, stay behind it until help arrives
  • Call for help. When it's safe to do so, phone your breakdown provider for help. If you don't have a phone or it's got a flat battery, you'll need to walk to an emergency phone to call the Highways Agency or police.

Taken out a policy with Hastings Direct? Here are the emergency contact numbers you'll need:

Car breakdown assistance *

Policy taken out before 23rd August 2018

AXA

Policy taken out after 23rd August 2018

RAC

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

What if you're taking your car abroad?

If you're planning a driving holiday to Europe, you don't want car complications spoiling your trip. Our European breakdown cover will give you reassurance you're well-protected when driving to, around and back from your destination.

Quality breakdown cover with Hastings Direct

Take out vehicle breakdown cover with Hastings Direct and you can boost protection with our range of optional extras, such as enhanced personal accident cover, motor legal expenses and car key cover. Limitations may apply.

Car insurance

Our 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.

Log in to MyAccount

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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