Motor Breakdown insurance

We offer optional breakdown cover as an add on product to our Farm Motor and Rural Business Motor products for Private Cars, Commercial Vehicles and Motorised Horseboxes.

Provided by Hadleigh Breakdown, our breakdown cover can be added to provide your clients with one of 4 available levels of assistance.

  • Covers
  • Selling points
  • Policy documents
  • Making a claim

Motor Breakdown Insurance Covers

  Level 1 Level 2 Level 3 Level 4
Roadside assistance
Local recovery
Message service
24 hour 365 cover
Caravan & trailer
Nationwide UK recovery  
Callout from home    
European assistance    
Alternative transport - see wordings      
Overnight accommodation      
Replacment parts when in Europe      
Temporary repairs following break in when in Europe      
Repatiration when in Europe      
Private cars & Commercial vehicles up to and including 3.5 tonnes £45.98* £57.28* £78.11* £148.91*
Commercial vehicles over 3.5 tonne up to and including 7.5 tonnes £57.48* £68.56* £82.27* £182.92*
Commercial vehicles over 7.5 tonne up to and including 44 tonnes £57.48* £83.79* £100.55* £321.13*
Horseboxes Not Applicable Not Applicable £175.71* Not Applicable

*prices exclude insurance premium tax

  • UK Roadside Assistance: If the vehicle breaks down more than one mile from the home address, we will arrange service at the scene of the breakdown and pay call-out fees and labour costs in an attempt to repair it. If it cannot be repaired quickly at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer.
  • Assistance at Home: If the vehicle breaks down at the home address or within one mile of the home address, we will arrange service at the scene of the breakdown and pay call-out fees and labour costs in an attempt to repair it. If it cannot be repaired at the scene of the breakdown, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to the nearest repairer, up to a maximum of 20 miles.
  • Recovery: If the vehicle breaks down more than one mile from the home address and it cannot be repaired at the scene of the breakdown or the nearest repairer the same day, we will arrange and pay the cost of taking it, the driver and the passenger(s) from the scene of the breakdown to any one place, you choose.
  • Alternative Travel or Overnight Accommodation: If the vehicle breaks down more than 25 miles from the home address, and it cannot be repaired the same day, and it cannot be recovered to any one place you choose, we will refund the cost of either alternative travel arrangements or overnight accommodation for the driver and the passenger(s).

    Motor Breakdown Insurance Selling Points

    • 4 levels of competitive cover available
    • Add cover to just one vehicle or all eligible vehicles depending on your needs
    • Choose different levels of cover for different vehicles
    • Fast and efficient UK based claims from Hadleigh Breakdown – experts in breakdown recovery
    • Issued alongside the Farm Motor or Rural Business Motor policy documents for efficient administration
    • Convenient instalments available with an interest rate of only 4% (You must pay by the same method you chose to pay the motor insurance policy)

    Motor Breakdown Insurance Making a claim

    At Rural Insurance we understand the importance of the claims service for your clients.

    If your policy start date is after 1st December 2021, in the event of a claim your client should contact Hadleigh Breakdown directly 24 hours a day on 01245 210 270 or 0330 123 1283.

    If your policy start date is before 1st December 2021, in the event of a claim your client should contact National Breakdown directly 24 hours a day on 01274 288 488.