What is John Lewis Breakdown Cover?
We’ve partnered with breakdown experts at the RAC to get your car back on the road. This optional cover is exclusive to John Lewis Car Insurance customers.
You'll have access to:
Cover for your car driven by you, or another driver with a full and valid licence
Car repairs at the roadside - when you’re more than a quarter of a mile from home
Up to £500 for overnight accommodation or travel expenses for you and your passengers
A courtesy car for up to 30 days if yours is a total loss or is stolen and not recovered
Depending on your level of cover, we’ll come out for flat batteries and keys locked in the car too. You will need to pay for any replacement keys, though.
What's included with Breakdown Cover
We offer four levels of optional breakdown cover for the car you insure with us:
Roadside & Recovery
|Roadside repair at least a quarter of a mile from your home||Recovery of your vehicle over 10 miles||Repairs less than a quarter of a mile from your home||Breakdown cover in 48 European countries|
|Roadside & Recovery level||✔||✔|
|Home Repair (At Home) level||✔||✔||✔|
|European Assistance level||✔||✔||✔||✔|
- Breakdown Cover policy (PDF)
- Roadside Breakdown - insurance product information document (PDF)
- Roadside Breakdown and Recovery - insurance product information document (PDF)
- Roadside Breakdown, Recovery and Home Repair - insurance product information document (PDF)
- Roadside Breakdown, Recovery, Home Repair and European Rescue - insurance product information document (PDF)
When does my Breakdown Cover start?
Your breakdown cover starts immediately upon adding it to your policy. However, it’s not available if your car has already broken down, so you can’t buy it at the side of the road.
What is not covered?
We don’t cover:
The cost of any parts, including batteries and tyres
The cost of replacement keys
The cost of fuel
Breakdowns that happened before you purchased cover
Breakdowns caused by a previous fault that was not properly repaired
Breakdowns that happened after you were given professional advice about a temporary repair which you did not follow
If your car breaks down while towing a caravan or trailer, we can take you to a single destination. If your caravan or trailer breaks down in the UK we can come and attempt a repair but can’t give you onward transportation.
What to do if you break down
If you break down, call us on freephone 03301 598 702 (24 hours). Wait in a safe place near your car until we get to you. If you cannot find a safe place, call the police for assistance on 999.
If you're involved in an accident, you're legally required to:
Give your name, address and insurance details to anyone who has a good reason to ask for them – namely the other driver.
Report the incident to the police within 24 hours if you or anyone else is injured.
Provide the police with your Certificate of Motor Insurance within five days.
You should also collect the following information, if possible:
The other driver(s) full details.
Registration numbers of all vehicles involved in the accident.
Where, when and how the accident happened.
Any injuries or damage caused.
The names and contact details of any witnesses.
Police officers’ details and any reference numbers you are given.
Photographs of the scene and/or any damage.
CCTV or dashcam footage.
Frequently Asked Questions
Roadside assistance means that a qualified RAC mechanic will travel to your vehicle to see if they can make repairs to get you up and running again.
The RAC will travel anywhere in the UK over a quarter of a mile from your home if you have our Breakdown add-on with the Roadside option. For repairs closer to home, you will need our At Home or European Assistance cover.
If your car can’t be fixed at the roadside you may need us to provide transport to get home. This is included with Roadside & Recovery, At Home and European Assistance. Roadside & Recovery is currently only available for new John Lewis Car Insurance customers.
Yes, but there are some exceptions. If your car breaks down when you are under a quarter of a mile from your home, you need At Home or European Assistance cover.
We won’t repair breakdowns that happen:
Before you purchase cover
- Due to a fault that has already been attended but has not been properly repaired, unless repaired by the RAC
- After you were given professional advice about a temporary repair but did not follow it
John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc. John Lewis plc is an appointed representative (registration no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (no. 613259).