UK and European
vehicle breakdown recovery

Personal Breakdown Cover from Start Rescue

If you own more than one vehicle or are regularly a passenger or driver of other vehicles, then you may benefit from a personal breakdown cover policy.

 

What is Personal Breakdown Cover?

Personal breakdown cover is breakdown cover for persons as opposed to relating to a specific vehicle.

The breakdown cover personal policy is an insurance policy that provides UK roadside assistance and recovery cover for the policyholder(s) in any vehicle* they are travelling in.

You must understand whether personal breakdown cover is the correct policy for you and ensure you are fully aware of the policy terms and conditions.

 

Benefits of Personal Breakdown Cover

Cover for Multiple Vehicles

As a personal breakdown cover policy covers anyone named on the policy and not specific vehicles, personal breakdown cover affords you the peace of mind, when out on the road you will be covered in the event of breakdown whether you are the driver or passenger of any eligible vehicle.*


Flexibility for Drivers and Passengers

Personal breakdown cover offers added flexibility. Whether you drive numerous cars or regularly travel with others, your personal breakdown cover policy has you covered as a passenger or driver.

You don’t even need to be a driver yourself in order to have personal breakdown cover. Perhaps you rely on select friends and family members to assist you in getting you to where you need to be. With a Start Rescue personal breakdown cover, you’ll know help is at hand should you need breakdown assistance, no matter the vehicle* in which you are travelling.

 

Coverage Details

Vehicles Covered

With a Start Rescue Personal Breakdown cover policy, whether you opt for cover for local recovery, or UK Nationwide roadside assistance, you will be covered in the event of a breakdown, for the following vehicles:

  1. Cars of any age;
  2. Motorcycles of any age;
  3. Vans of any age.

All vehicle types must not exceed 3.5 tonnes gross vehicle weight.

Please note, vehicles must be being used for domestic purposes. If you require breakdown cover for a business vehicle, please see our Business Breakdown Cover options.

 

Additional Members

More than one vehicle in your household?

Start Rescue's Personal Cover allows you and up to 3 others in the same household to be covered in the event of a breakdown, for whichever vehicle* you are using to travel.

 

Simple and straightforward personal breakdown cover

It couldn’t be easier to set up and buy your Personal Breakdown Cover as there is no need to register any vehicle* on the policy.

Your breakdown cover personal policy can be set up initially just for yourself and additional household members requiring Personal Vehicle Breakdown Cover can be added at any time during the policy term.

 

Vehicle breakdown cover

Alternatively, you can purchase cover just for a specific vehicle on our Annual Breakdown Cover page.

 

*Personal cover covers you when travelling in cars, motorcycles and vans of any age as a driver or passenger. All vehicle types must not exceed 3.5 tonnes gross vehicle weight. (Please note: We cannot cover minibuses, limousines, motorhomes or horseboxes, any request for service if the vehicle is being used for motor racing, rallies, public hire, private hire, courier services or any contest or speed trial or practice for any of these activities).

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startrescue.co.uk is rated 4.65 stars by Reviews.co.uk based on 57789 merchant reviews

Mrs Marilyn

I have only just signed up, and not had a breakdown. The signing up was very easy with everything laid out very well. It was so easy to see the difference between each plan and the various costs. Very good website.

2 Days Ago

Anonymous

It's was easy and simple to do the cover online. I am happy with the result which fit my needs. Thank you!

3 Days Ago

Mr Jason

2nd year straight and no problems. Always good value for money. And when called out always more promt than other companies. I do recommend.

5 Days Ago

Mr Alan

Easy to join. Good price. Phone app looks user Friendly.

5 Days Ago

Anonymous

Setting up was easy. So, so far so good!

5 Days Ago

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Customers who stay with us never pay more than our website retail prices!

Compare Our Pricing...

on our most popular 3 star level of cover

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All competitor prices have been based on our most popular 3 star level of cover for a car aged up to 5 years old and, where applicable, using the postcode CO1 1UX and date of birth 01/01/84. Cover includes roadside assistance, nationwide recovery, home assistance, alternative transport, overnight accommodation and key assist. Prices are inclusive of Insurance Premium Tax and, where applicable, administration fees. Last updated 09/12/2024.

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*Based on data for all recoveries made between October 2023 – September 2024.
**Excludes Business Breakdown Cover policies.

Personal Breakdown Cover

from

£62.08*

per year

from

£94.44*

per year

from

£109.37*

per year

To help you work out whether Personal Cover is the right breakdown insurance for you, we have answered a selection of popular questions to help you below, but if you can’t find what you’re looking for here, please refer to our Frequently Asked Questions.


Why should I choose Personal Breakdown Cover?

As one of the leading providers of vehicle breakdown insurance, Start Rescue offers you a wide range of breakdown cover policies for different needs and budgets for both vehicle cover as well as personal cover.

While all our vehicle breakdown cover insurance packages offer real flexibility to the motorist, our Personal Breakdown Cover product offers even more peace of mind, no matter where you are in the UK, or who you're with.

Our Personal Vehicle Breakdown Cover policies ensure you're covered in the event of a breakdown no matter what vehicle* you're travelling in.

Pros and cons of Personal Breakdown Cover

Pros of Personal Breakdown Cover

Cons of Personal Breakdown Cover

Provides cover as a driver or passenger in any vehicle* you are travellingPersonal cover polices can be more expensive than vehicle cover, especially if you only have one vehicle that you wish to cover
If you own or drive  more than one vehicle*, a personal cover policy can work out to be cheaper than arranging a breakdown cover policy for each individual vehicleAs it is you that is covered and not the vehicle, if anyone else is driving your vehicle* and they breakdown without you being present, the breakdown would not be covered (unless they are named on the personal cover policy and reside at the same address as you)
You can cover up to 4 people who live at the same address on the same personal cover policyWe cannot provide European cover with our Personal Cover policies
You are covered as a passenger in any vehicle.* If you are in a vehicle* with someone who doesn’t have breakdown cover you are covered for assistance 
With vehicle cover, you must remember to tell your breakdown provider if you change your vehicle, else you will not be covered. With Personal Cover, there is no need to remember to tell us if you change  your vehicle* 


Can I use my Personal Breakdown Cover for someone else?

Breaking down can be a stressful experience both for yourself and those travelling with you. But personal breakdown cover from Start Rescue ensures that even if you're travelling in the vehicle* of a friend, acquaintance or relative - you can be sure that our experienced Recovery Operators will be on hand should you need roadside assistance.

How much does Personal Breakdown Cover cost?

At Start Rescue, we understand that everyone’s personal requirements for breakdown cover differ – Which is why we offer personal breakdown cover policies to match.

We offer three levels of personal breakdown cover, from our cheapest One Star policy, through to our most comprehensive, best personal breakdown cover - Three Star personal breakdown cover.

How reliable is Start Rescue?

Come rain or shine, day or night, when you take out a roadside assistance and vehicle recovery policy with Start Rescue, our Recovery Operators are ready to provide assistance around the clock.

With our personal breakdown cover policies, should the vehicle* you're travelling in breakdown we will be on hand to help.

We believe in minimising the stress in such situations, namely by delivering first-class roadside assistance with some of the best personal breakdown cover policy benefits available. 

You can see how Start Rescue's personal breakdown cover compares here.

What vehicles am I covered in with Personal Breakdown Cover?

* If you purchased Personal Vehicle Cover, you will be covered when using one of the following vehicles for travel:

  1. Cars of any age;
  2. Motorcycles of any age;
  3. Vans of any age.

All vehicle types must not exceed 3.5 tonnes gross vehicle weight.

(Please note: Under our Personal Cover policies, we cannot cover minibuses, limousines, motorhomes or horseboxes, any request for service if the vehicle is being used for motor racing, rallies, public hire, private hire, courier services or any contest or speed trial or practice for any of these activities). Please see our Business Breakdown Cover option for details of vehicle cover for commercial use.

Can I add additional people to my Personal Breakdown Cover policy?

Yes, it is possible to add additional people to your personal breakdown policy.

You can add anyone (friend, partner, daughter, son, husband, wife) to your breakdown personal cover as long as they all reside at the same address as the registered policy address.

Buy breakdown cover 

 

startrescue.co.uk is rated 4.65 stars by Reviews.co.uk based on 57789 merchant reviews

Mrs Marilyn

I have only just signed up, and not had a breakdown. The signing up was very easy with everything laid out very well. It was so easy to see the difference between each plan and the various costs. Very good website.

2 Days Ago

Anonymous

It's was easy and simple to do the cover online. I am happy with the result which fit my needs. Thank you!

3 Days Ago

Mr Jason

2nd year straight and no problems. Always good value for money. And when called out always more promt than other companies. I do recommend.

5 Days Ago

Mr Alan

Easy to join. Good price. Phone app looks user Friendly.

5 Days Ago

Anonymous

Setting up was easy. So, so far so good!

5 Days Ago
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