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Breakdown Insurance FAQs

Read our most frequently asked breakdown insurance questions. 

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Breakdown Cover

Enjoy round the clock protection with RIAS breakdown cover

At RIAS we understand how stressful an unexpected breakdown can be – especially if you have to foot the bill for instant repairs, which is why our breakdown cover gives the protection you need for total peace of mind.

Our breakdown cover provides some of the highest quality cover available in the market.

Why choose breakdown cover

Breakdown cover means you’re protected in the case of an unexpected breakdown. It includes:

  • High quality service protecting you 24 hours a day, 365 days a year
  • Average response time of 40 minutes
  • Cover for driving in Europe with our Total Protection option
  • Personal cover available as an optional extra – to cover you or your  spouse on any other vehicle not owned by you or your spouse**
  • Doorstep service for problems that occur within one mile of your home with our Comprehensive Gold or Total Protection option
  • Recovery of car, drivers and passengers to nearest garage in the event of breakdown or accident
  • Roadside repair of minor mechanical and electrical problems

Your levels of breakdown cover

Our car insurance customers can choose between three distinct levels of cover:

  • Roadside Assistance
  • Comprehensive Gold
  • Total Protection

This gives you the chance to choose a policy that fits your needs and also reflects how much you want to pay.

Roadside Assistance

This is our standard breakdown insurance package featuring rapid repair and recovery to the nearest garage, 24 hours a day, 365 days a year. It is the best level of cover for drivers who mainly drive close to home. It includes:

  • Minor mechanical and electrical problems will be catered for at the roadside whenever possible. 
  • If serious problems occur, your car, driver and passengers will be transported to the nearest garage.
  • The only cost to you is for any parts that are fitted.

Comprehensive Gold

Our Comprehensive Gold package offers all-round protection for both local and long-distance journeys for drivers who travel around the UK on a regular basis. Choosing this package will give you all of the benefits of our roadside assistance package as well as recovery anywhere in the UK, with transportation of your vehicle to a garage of your choice. It also includes:

  • Breakdown away from home - Up to £100 for replacement car hire, public transport, or local overnight accommodation. 
  • Breakdown near home – speedy doorstep service for problems within a one mile radius of your home.

Total Protection

Total protection is the highest level of car breakdown cover available. In addition to all aspects from roadside assistance and comprehensive gold it includes:

  • Extensive cover for European motoring (trips up to 31 days for vehicles up to 10 years old).
  • Doorstep service
  • Roadside assistance
  • Onward transportation
  • Caravan and trailer cover

Please read our policy wording for full details.

Personal Cover

Personal cover is available as an option extra. It provides cover for you, your spouse and child (if permanently residing with you), whilst travelling in a vehicle which isn’t owned by you or registered at your address.


For more information about your car breakdown cover options call us on 0800 052 0686.

Cover LevelRoadside AssistanceComprehensive GoldTotal Protection 
Annual Premium£40£74£99.98

24 hour, 365 day cover throughout the UK, at least one mile from your home

Yes  Yes  Yes

Roadside repair of minor mechanical and electrical problems (parts charged at cost)

Yes Yes Yes

Recovery of car, driver and passengers after an accident, breakdown, theft or vandalism to nearest garage

Yes Yes Yes

Recovery (as above) but to anywhere in the UK, and your car taken to a garage of your

  Yes Yes

Up to £100 for a replacement hire car, or for public transport, or local overnight accommodation if you stay locally and await repairs

Yes Yes

Doorstep service - a speedy service for a problem within a 1 mile radius of your home 

Yes Yes

Caravan and trailer Cover (must fit a 50mm tow ball) 

Yes Yes Yes

European motoring extensive cover for vehicles up to 10 years old and trips up to 31
days each


Personal cover - for any car you drive or travel in, anywhere in the UK 

Table key
Yes Cover included (subject to policy limit and excesses)
Available as an optional extra, for an additional premium
Not available for this level of cover

Terms and conditions apply. For full details of our cover please read our policy documentation.

** Vehicle cannot be owned by you or your spouse, or be kept at your home address.