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Motor Breakdown Cover

Motor Breakdown Insurance from just £69^

Purchase Motor Breakdown Insurance by calling the Age Co Team at the Ageas Contact Centre~ 0800 323 4438* 0800 323 4438*

Age Co Motor Breakdown Insurance is provided by Call Assist Ltd.

  • Cover for people of any age
  • Cover for vehicles of any age** – as long as they are in a roadworthy condition
  • Doorstep and roadside assist
  • No admin fee
  • Caravans and small trailers are covered when attached to the vehicle
  • Optional European cover available
Age Co is 100% owned by Age UK and gives its profits to the charity enabling them to support those older people most at need


Age Co Motor Breakdown Insurance includes Roadside and Home service all from just £69^. 

This wide-ranging UK Motor Breakdown Insurance cover can take care of you in many circumstances, no matter where in the country your vehicle breakdown occurs. There is a UK-wide network of 425 recovery operators.

Take a look at these great benefits:

  • Cover for people of any age
  • Cover for vehicles of any age** – as long as they are in a roadworthy condition
  • Doorstep and Roadside service
  • No admin fee
  • Caravans and small trailers are covered when attached to the vehicle
  • Optional European cover available

Summary of cover

In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions. 

UK Cover

Premium for first vehicle under 11 years old £69
Premium if vehicle is 11 years or older  £79
Extra premium for each additional vehicle (up to three) kept at the same address £25

 Note: The premiums above include Insurance Premium Tax at the current rate.

Emergency Assistance

If you break down you will be covered for the cost of the call-out and emergency assistance charges. If your vehicle can’t be repaired immediately at the scene, or if it is not safe to try, you will be transported with your passengers to the nearest garage.†

†Excludes the use of specialist off-highway recovery equipment or winching costs.


What's Included

Message Relay Service A message can be sent to your friends or family to let them know what's happening.
Vehicle Recovery and Onward Transportation

If repairs cannot be completed by the end of the working day you will be provided with one of the following:

- Transportation of you, your passengers and your vehicle to either your home, your original UK destination or a repairer either in the vicinity of the above locations or to a repairer of your choice

- Up to £100 towards a replacement self drive rental vehicle for up to 24 hours; public transport costs or overnight accommodation costs where you are more than 25 miles from home.

Medical Transfer Service If you are more than 50 miles from home and a passenger is taken ill and needs to stay in hospital, we will arrange and pay for the cost of the patient to be taken to a hospital near their home as soon as it's safe to move them.
Alternative Driver Service If you are the only driver and have to stop because you are ill or injured, you will be covered for the cost of your travel home by taxi, train or coach and for someone to return to collect your vehicle.

Eligibility List

You can get Age Co Motor Breakdown insurance whatever your age. Eligible vehicles must be owned by or be the responsibility of the policyholder or their immediate family. Cover is not provided for any replacement parts or other material used in repair.

Your vehicle must be one of the following:

  • Cars or estate cars
  • Motorised caravans
  • Light vans
  • 4x4 sport utility vehicles
  • Motorcycles
  • Minibuses
  • Towed caravans or trailers of proprietary make

It must also:

  • Be registered in the UK
  • Be in a good roadworthy condition
  • Not be used by you or any named driver for hire or reward
  • Be maintained and serviced to the manufacturer’s specifications
  • Not exceed (including any load carried) the following gross vehicle weight and dimensions: 3500kg; length 7m; height 3m; width 2.25m
  • Carry no more than the number of persons recommended by the manufacturer and for whom seats are available subject to a maximum of 8 persons including the driver.

European Cover Extensions

Additional Premium for European cover per vehicle under 11 years £30
Additional Premium for European cover per vehicle 11 years or older £40
Additional Premium for European cover per additional vehicle (up to three) kept at the same address £29.50

 Note: The premiums above include Insurance Premium Tax at the current rate.

European Cover includes:

CoverWhat will be paid forLevel of cover up to:
Cover Prior To Departure Rebooking your crossing if your vehicle is unavailable because of a breakdown, accident, fire or theft in the 24 hours before you travel.  
Roadside Assistance Roadside repairs and local vehicle recovery charges following a breakdown, accidental damage, fire or theft.


The cost of spare parts is not included.

Missed Motorail Connection Vehicle storage, return rail tickets and/or up to £450 for the hire of a replacement vehicle if you miss your pre-booked outward journey due to an accident or breakdown. £450 for the hire of a replacement vehicle.
Covers up to a Group C hire car.
Replacement Parts Despatch Locating and despatching essential spare parts needed to repair your vehicle. Despatch charges to the value of the vehicle. The cost of the spare parts is not included.
Break In Emergency repairs are necessary to allow you to continue your trip. £175
Vehicle Out Of Use

If your car cannot be repaired during the 7 days immediately prior to your trip or within 8 hours during your trip you will be paid for one of the following:

- transportation by public transport to your original destination
- hire of a Group C car
- the cost of local overnight accommodation whilst repairs are completed.

Hire car charges of up to £70 per day (£800 limit) 


for hotel accommodation £40 per person per night (£800 limit)
Camping Trips If your tent cannot be used due to theft or accidental damage, you will be paid for the cost of hiring and delivering a replacement or paid for emergency bed and breakfast accommodation.  Up to £100 per person and £500 in total.
Alternative Driver If you are declared medically unfit to drive and there is no other suitable driver available, then you will be provided with a qualified driver to return the vehicle to the UK. Up to £100 per day.
Repatriation You will be paid for the costs of transporting your vehicle back to your home address if it can’t be repaired abroad, or paid the public transport costs to return one person to recover the vehicle once it has been repaired. Up to the market value of the vehicle.
Customs Regulations If your vehicle is damaged, or breaks down and is beyond economic repair, its disposal and the customs formalities will be dealt with.  
Motoring Legal Protection Telephone advice on any legal problem in connection with your trip. Legal costs to defend you against an alleged motoring offence. Legal Expenses to pursue a claim for compensation for an injury suffered following a road traffic accident.
Up to £1000 to defend a motoring offence.
Up to £10,000 to pursue a compensation claim.

Exclusions for European Cover

If you buy your policy less than 24 hours before your planned departure date, you are not covered for "Prior to departure benefits”.

Individual trips which exceed 31 days are also not covered. The total number of days abroad in any one 12 month period must not exceed 180 days.

Please see the policy document for more information on terms and conditions.


Policy Documents

Motor Breakdown Policy Document
(viewable in pdf, file size 705 KB)

Motor Breakdown (UK & EU) Cover Product Information Document
(viewable in pdf, file size 207 KB)

Motor Breakdown (UK Only) Cover Product Information Document
(viewable in pdf, file size 206 KB)

Frequently Asked Questions

How do I make a claim?

You must contact the insurer first to obtain authorisation before incurring any expenses.

Call the emergency phone number on 0800 952 3187 in the UK or Europe on +44 1206 812728. Calls are handled by the Call Assist Team on behalf of Age Co and will send someone out.

Age Co Motor Breakdown Insurance Claims Helpline operates 24 hours a day, 365 days a year. If you need to make a claim after you return home, please request a claim form by calling the team on the number detailed above, and they will send a form out to you. 

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How long can I expect to wait for someone to come to my assistance?

The average arrival time is 60 minutes.

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I feel vulnerable, do I get priority if I break down?

Yes, anyone who feels vulnerable will be given priority. Age Co Motor Breakdown Services are provided by Call Assist Ltd who will take your individual circumstances and needs into account when you contact them.

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If I break down in the middle of the night, can I get roadside assistance?

Yes, the control centre and vehicle breakdown recovery specialists operate 24 hours a day.

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Are there any exclusions to my cover?

There are some circumstances under which vehicles won't be covered by your Age Co Motor Breakdown Insurance policy:

- If the vehicle was unsafe or not roadworthy when the cover was taken out
- If it has not been maintained and serviced in accordance with the manufacturer’s recommendations
- When costs are incurred by not carrying a serviceable spare tyre. The policy covers standard call out with exclusions. Please refer to the policy document for further information

- If it cannot be reached because of floods, snow, sand or mud. The policy covers the initial call-out with exclusions. Please refer to the policy document for further information
- If it has been used for motor racing, rallies, speed or duration tests and track days
- If it is being used for hire or reward – such as a minicab
- For the cost of draining or removing contaminated fuel or other liquids

Further details can be found in your policy document

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Can I claim back my repair costs?

The motor breakdown policy covers the initial labour cost required to provide assistance at your home or at the roadside. It does not include any labour costs incurred at the garage or the cost of any replacement parts or other materials used to repair the vehicle.


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If my car is broken into can I claim for any contents taken?

The policy doesn’t cover claims for loss or damage to the contents of the vehicle. You should make sure these are covered either under your motor insurance or away from home under your home contents insurance. Age Co Car Insurance and Age Co Home Insurance are also offered.

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What if I change my mind?

If you are not satisfied with your policy, you can cancel at any time by calling 0800 085 3741 or writing to Age Co Motor Breakdown Insurance. You will only be charged for the time you have been on cover unless a claim has been made. If a claim has been made you will need to pay the full annual premium. 


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^For eligible vehicles under 11 years old. 
~Please call the Age Co team at the Ageas Contact Centre if you wish to purchase standalone Motor Breakdown Insurance. Lines are open Mon-Fri: 8.30 am to 6.00 pm, Sat: 9 am to 1 pm. Calls may be recorded.
*If you call the 0800 number for Motor Breakdown, you will be dealing with Ageas Retail Limited.
** Vehicles over 11 years old will pay an increased premium.

Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. AgeCo Limited is a trading subsidiary of Age UK (registered charity no. 1128267). Both AgeCo Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. AgeCo Limited registered office: One America Square, 17 Crosswall , London, EC3N 2LB (registered in England and Wales, no. 03156159). Ageas Retail Limited registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, no. 01324965).

Call Assist Ltd is registered in England and Wales.  Registered Company No: 3668383.  Registered Office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX.  Call Assist Ltd is authorised and regulated by the Financial Conduct Authority.  Financial Services Register No: 304838

If you need to make a complaint, please refer to the policy documents.


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