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Breakdown Insurance FAQs

Read our most frequently asked breakdown insurance questions. 

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Your breakdown levels of cover

RIAS Breakdown cover is available in three distinct levels of cover; Roadside Assistance, Comprehensive Gold and Total Protection. This allows you to choose a policy that best reflects how much you want to pay and your anticipated breakdown insurance needs.


Roadside Assistance

Roadside Assistance is our standard breakdown insurance package, providing rapid repair and recovery to the nearest garage, 24 hours a day, 365 days per year. Minor mechanical and electrical problems will be repaired at the roadside where possible, while for more serious problems we’ll transport car, driver and passengers to the nearest garage. All you have to pay for is the cost of any parts that are fitted. This level of cover is best for drivers who usually drive close to home.

Annual premium: £40


Comprehensive Gold

If you travel around the UK on a regular basis, this package offers excellent all-round protection for both local and long-distance journeys.  In addition to all of the benefits of the Roadside Assistance package, Comprehensive Gold breakdown insurance provides recovery to anywhere in the UK, with transportation of your vehicle to a garage of your choice for extra convenience. You can also claim up to £100 for replacement car hire, public transport or local overnight accommodation if your car breaks down while you're away from home. We also offer a speedy ‘doorstep service’ for problems within a one mile radius of your home.

Annual premium: £74


Total Protection

This is the highest level of car breakdown cover available, and includes extensive cover for European Motoring for trips of up to 31 days each for vehicles up to 10 years old. Doorstep service, roadside assistance, onward transportation and caravan and trailer cover are also included in this comprehensive policy.

Annual premium: £99.98

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

For more information about your car breakdown cover options, fill in our form to get a free quote, or call us on 0800 052 0686.

You can also download our breakdown insurance policy booklet or policy summary for more information.