Breakdown Cover

1. HOME START ASSISTANCE

If your vehicle breaks down, we will send a recovery operator to assist you. Up to one hour’s free labour will be provided, in situ, if on the spot repairs can be made to your vehicle.

If your vehicle cannot be repaired in situ, we will arrange to tow it to the nearest garage or to your own garage, if closer.

2. ROADSIDE ASSISTANCE

If your vehicle breaks down or is involved in an accident away from your home, we will send a recovery operator to assist you.

We will provide up to one hour’s free labour at the roadside, however, if your vehicle cannot be repaired on the spot, we will arrange to tow it to the nearest garage, recovery yard or your home, if closer.

3. PUNCTURES

If your vehicle suffers a puncture whilst driving, we will assist with the replacement of your vehicle’s tyre, provided you have a suitable replacement available with the vehicle.

4. LOST KEYS

If the keys to your vehicle are lost or locked in the vehicle, we will take your vehicle to the nearest secure premises whilst endeavours are made to access the vehicle or obtain alternative keys.

5. PETROL SHORTAGES

In the event your vehicle is immobilised due to a fuel shortage or the wrong fuel used, we will transport your vehicle to the nearest petrol station or garage to remedy the cause.

6. MAINLAND EUROPEAN EMERGENCY COVER – CASH BENEFIT

In the event your vehicle suffers a breakdown incident or is involved in an accident in mainland Europe, the police, when contacted by you will usually arrange for a suitable recovery agent to assist you. You will usually be asked to settle the bill at the time of the recovery. To avail of the benefits under this section, retain the invoice and forward same together with a brief description of the incident to MIS.

Please note the maximum we will pay under this section is €250 or equivalent.

7. ADDITIONAL RESCUE COVER

If your vehicle cannot be repaired within a reasonable period of time, we will provide either of the following benefits:

  • A replacement vehicle for up to 2 days subject to availability, or
  • Overnight accommodation i.e. the cost of overnight accommodation including breakfast in a local hotel whilst you wait for the repairs to your vehicle to be completed. The breakdown incident must have occurred more than 100 kilometres from your home.

This additional cover extends to the United Kingdom and the Republic of Ireland and the maximum we will pay in providing these additional benefits is €250 or equivalent. If you are required to settle a hotel account, please retain the receipt and forward to MIS Claims on your return. We will only be responsible for the cost of accommodation including breakfast. Any other meals, drinks or other costs will be the responsibility of the customer.

The benefits in this section are only provided following a substantial mechanical or electrical breakdown.