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

• Windscreen cover

   

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.

We offer four levels of optional breakdown cover for the car you insure with us: 

• Roadside

• Roadside & Recovery

• At Home

• European Assistance

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.

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

•  Traffic collisions

•  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.

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.