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European Policy Summary

Summary of single trip European Cover

Key FactsThe information given here is only a summary of the cover provided. Full terms and conditions can be found within the policy document  so please take time to read this and understand the cover it provides.

Please note the following important information

The insurer of European Vehicle Breakdown Cover is Inter Partner Assistance S.A (IPA) which is fully owned by the AXA Assistance Group, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (UK) operates the 24/7 motoring assistance helpline.

This is a vehicle breakdown policy, which provides breakdown help and benefits for the specific vehicle and period shown on your European Breakdown Cover policy schedule. Countries covered are as follows:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and dependent Islands of the above mentioned countries (and the UK when driving to/from your point of departure/arrival).

  • Breakdown cover applies to the vehicle shown on your policy schedule, which must be a UK registered (private, hired, leased or company owned) car or motorcycle, less than 11 years old when your journey starts. It must not exceed the following limits: 3,500 kg gross vehicle weight or, 5.1m in length, 1.95m in height and 2.1m in width. (temporary additions such as roof boxes do not count).
  • Caravans & trailers can be covered for an additional supplement. They must not exceed 8m in length, 3m in height and 2.55m in width.
  • The maximum number of vehicle occupants is seven including the driver.
  • Only return journeys starting and ending in the UK of up to 31 days duration are covered.
  • Breakdown cover can be purchased anytime before leaving your UK home address, and must be bought for the entire period you are away.
  • At the start of cover, your vehicle must be in good working order & serviced in line with the manufacturer’s servicing schedule (not necessarily at a main dealer)..
  • Vans are not eligible for breakdown cover unless we have given you our written permission.
  • Breakdown cover commences at 00:01 hours on the first day of cover as shown on your policy schedule. 
  • You must carry a serviceable spare tyre and wheel, or if not designed to carry one, the manufacturer’s supplied alternative, e.g, aerosol repair kit.

Significant features

  • 24/7 English speaking emergency helpline.
  • Covered events are: mechanical breakdown, fire, flat tyre, flat battery, having no fuel, putting the wrong fuel in, accidents (accident recovery costs are limited to a maximum of £100 – your vehicle insurer may cover costs in excess of this).
  • No excess charges.
  • Roadside assistance and up to 60 minutes labour.
  • Local recovery to the nearest suitable repairer.
  • Cover to re-establish the vehicle’s security following theft/attempted theft.
  • Delivery of replacement parts not available locally.
  • Vehicle hire or other transport to continue your journey, or overnight accommodation whilst your vehicle is being repaired.
  • Provision of an alternative driver if you are medically unfit to drive home.
  • If you can’t use your own vehicle to return home, the cost of returning you, your passengers and your vehicle home.

Cancellation Period

  • If you wish to cancel this cover, you have 14 days from the time you receive the policy documentation to do so, by contacting Breakdown Direct at, or through your online account. We will return any premium paid providing, 1) no claims have been made on the policy during that time and/or, 2) your journey has not already begun, less an administration fee of £10.

Claim Notification

To obtain Breakdown assistance in the UK, contact the 24 hour emergency helpline on: 0800 389 54240800 389 5424 or 00 44 1737 81522400 44 1737 815224 when outside the UK

Making Yourself Heard

Our aim is 100% customer satisfaction, but, if you have a complaint about Breakdown Solutions Ltd, please contact the Customer Service Manager at Breakdown Direct on
If you have a complaint about breakdown cover you can write to the Quality Manager at IPA in Redhill, RH1 1PR or telephone 01737 81502301737 815023.

If it is impossible to reach an agreement you have the right to make an appeal to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR or telephone 0800 023 45670800 023 4567.

Details about the regulator

IPA and Breakdown Solutions Ltd are regulated by the Financial Conduct Authority (FCA). The FCA website includes a register of all regulated firms, can be visited at, or they can be contacted on 0800 111 67680800 111 6768.
We are members of the Financial Services Compensation Scheme (FSCS). The FSCS offers protection for customers of financial services firms. Further information can be obtained from

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  • Eligibility: UK registered cars & m/cycles (private, company, hired, leased) under 11 years old (sorry no vans).
  • Return journeys only. Buy any time before leaving your UK home address.
  • Documents delivered to your inbox, or postal option.
  • Vehicles up to: 5.1m L, 1.95m H & 2.1m W. (temporary additions eg, roof boxes don't count) 3,500 kg GVW
  • All prices include tax

Breakdown Direct - Important Notice!

Breakdown Direct are in the process of arranging new and improved vehicle breakdown solutions for our new customers going forward. All existing policies underwritten by Inter Partner Assistance SA UK Branch remain valid.

While we are doing this we have teamed up with Voyager Insurance Services Ltd, an award winning provider of breakdown and travel insurance established in 1996, to provide breakdown insurance for our new customers and to give you access to instant quotes and cover available online. Please click the applicable link, whereupon you will be transferred to the relevant product and service available from Voyager Insurance Services on their website.

To buy breakdown cover please use the links below

Buy European Breakdown Cover | Buy UK Breakdown Cover

To login to your existing account please use the links below

My Account | Agent Login | Affiliate Login

Breakdown Direct is a trading style and brand of Breakdown Solutions Limited and used under license by Voyager Insurance Services Limited. Breakdown Solutions Limited is an Introducer Appointed Representative of Voyager Insurance Services Ltd for Vehicle Breakdown Insurance, Travel Insurance and related insurance products. Insurance products sold by Voyager Insurance Services limited are arranged and administered by Voyager Insurance Services Ltd on a non-advised basis. Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 305814). Registered address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB, UK. Administration Address: 13-21 High Street, Guildford, Surrey, GU1 3DG, United Kingdom. Financial Services Register number 202912.