Breakdown Recovery Insurance

Q: When do you need breakdown protection cover?

You need breakdown recovery insurance if you operate a recovery business of any size. As a bare minimum, you need road risk cover to make sure you’re legally allowed to drive your work vehicle on public roads, but more comprehensive cover is always advisable to ensure that your whole business is protected.

Q: Can I claim straight away after taking out a breakdown cover policy?

As long as the reason for the claim took place during the active period of your new breakdown recovery insurance policy, then you can claim at any point using our 24/7 claims line.

Q: Do you pay excess on breakdown recovery insurance?

Yes. Like any insurance policy, there will be an excess to pay if you make a claim, although you can adjust this amount during your initial quote process.

Q: What extras can I add?

You can scale your policy to include a huge range of extras, including cover for customers’ vehicles, public liability insurance, employers’ liability, premises cover and more. Just talk to a member of our friendly team to build the ideal policy for you.

Q: Does breakdown recovery insurance cover the cost of repairs?

As long as you select the right level of cover, the cost of repairs to your vehicle following an accident, fire or theft will be covered by your policy. You’ll need third party fire and theft cover or higher, as road risk only policies will only cover the cost of damages to a third party’s vehicle or property.

Q: Can I cover multiple vehicles under one breakdown policy?

Yes, you can. We can work with you to adjust your policy to cover as many vehicles as you need, whether you operate just one truck or several.

Q: How can breakdown recovery insurance benefit my business?

Insurance provides stability and continuity should the worst happen. Incidents such as vehicle write offs, premises damage or tool theft can potentially ruin a business. But with the right insurance, you’ll be able to claim back your losses and be back on your feet in no time, protecting your investment and income as well as that of your employees.

Q: How do I make a claim on my breakdown insurance?

With Prime Cover, making a claim couldn’t be easier. Just reach out to our 24-hour claims line and we’ll get your claim processed and settled in no time.

Request a Callback

Just fill in our contact form to request a callback and we’ll be in touch as soon as possible.

What is Breakdown Recovery Insurance and How Does it Work?

Breakdown recovery insurance policies are specially tailored to suit the needs of recovery operators.

It provides everything you need to keep your business legally compliant and protect you and your work vehicle while on the road, but it can also be expanded to protect you against a broad range of other risks and legal pitfalls.

What Does Breakdown and Recovery Insurance Cover?

Breakdown cover for businesses provides the legally mandated road risk cover that you need to be able to operate your work vehicle on public roads, but it can also cover:

Customers’ vehicles – cover in case any damage occurs to a customer’s vehicle while in transit and to protect your valeting business.
Business premises – if you have a fixed business premises, you can insure it against concerns such as theft, vandalism or fire.
Public liability – provides cover in case any vehicle, person or tool associated with your business causes damage to someone’s property.
Vehicle insurance – insures your work vehicle against any damages.
Employers’ liability – if you employ someone who isn’t a family member, you’ll need employers’ liability insurance to protect you against any potential grievance claims.

We know that each business is unique, and we tailor our breakdown recovery insurance policies to suit the individual requirements of every enterprise, offering competitive prices and outstanding service no matter the cover.

We Can Insure Single Recovery Trucks or a Fleet of Vehicles

At Prime Cover, our comprehensive breakdown insurance policies are entirely scalable to suit any size of business, whether you’re operating on your own with just one truck or employ a team of operatives with a fleet of vehicles, we’ve got you covered.

You can flex your policy to cover just the bare minimum you need to legally be on the road, all the way to providing comprehensive mechanic insurance, for example, for your entire business and all its assets and staff, giving you total peace of mind and protecting your investments.

Single Recovery Trucks

If you operate just a single recovery truck, we can build you a breakdown recovery insurance policy that gets you on the road as well as offers protection for any assets, such as your truck, garage and tools.

Specialist Recovery Fleet Operators

Whether your fleet is two or twenty trucks, we can craft you the perfect breakdown recovery insurance, complete with cover for every truck, every operator and every facet of your business, from tools to employers’ liability.

Benefits of Breakdown and Recovery Insurance

Efficiency and Cost-Effectiveness

They allow vehicles to be legally used on the road without individual registrations.

Flexibility

Often cars need to move on short notice between sites, for delivery and for test drives. It also allows driving any vehicles in a diverse range to be driven under the same plates.

Legal Compliance

A legal requirement, UK trade plate insurance and plates protect from potential fines, legal action and damage to reputation.

Business Operations

Car dealerships need to allow test drives as part of their sales process, and mechanics need to test vehicles after service or repairs to check everything is in order.

Protection Against Liabilities

Issues can arise from damage or accidents with third parties.

Can’t Find What You’re Looking For?

Get in touch to see if we can help you.

The Benefits of Breakdown and Recovery Insurance With Prime Cover

More than 40 years of motor trade insurance experience
Tailored policies to suit your business
Friendly, responsive customer service
Competitive prices
24/7 claims support

Be smart, be safe – get your breakdown recovery insurance quote from Prime Cover today.

Finding Affordable Breakdown Insurance

Compare quotes

It’s always worth getting quotes from multiple insurance providers or brokers, as some may assess your level of risk differently and offer more competitive prices than others, and you may be able to ask insurers to provide a more competitive rate based on quotes from other companies.

Accurately assess your risk

Make sure your policy accurately represents the level of risk faced by your business, so that you’re only paying for the protection you need and nothing you don’t. A good provider will be able to walk through this process with you.

Cancel auto-renew

Often, insurers won’t provide the most competitive rates for auto-renewal. Make sure to tell your insurance provider not to auto-renew your policy and search around for the best rate possible.

Pay annually

Paying for your insurance monthly helps spread the cost of your policy, but in almost all cases, paying for your insurance annually will save you money in the long run, so if you can afford to, do.

Increase your excess

Offering to pay a higher voluntary excess can sometimes bring down the cost of your policy overall but cost you more in the event of a claim, so weigh your risk before making this decision.