Insurance and Vehicle Recovery: Understanding Your Cover

One of the most common questions we hear at TRD Moters is whether vehicle recovery is covered by insurance. The answer is not always straightforward because it depends on the type of policy you have and the circumstances of the breakdown. Understanding your cover can save you unexpected costs when you need recovery most.

Car insurance policies in the UK typically do not include breakdown cover or vehicle recovery as standard. Third-party only, third-party fire and theft, and even comprehensive policies usually exclude roadside assistance unless you have specifically added it. Comprehensive insurance covers damage to your vehicle, but it does not automatically cover the cost of recovering a broken-down car.

However, many insurers offer breakdown cover as an optional add-on when you take out your policy. This add-on can include roadside assistance, recovery to a local garage, and sometimes onward travel or courtesy car cover. If you have this add-on, check the terms carefully. Some policies have a mileage limit or restrict recovery to certain types of roads.

After an accident, the situation is different. If your vehicle is damaged in a collision, your insurance policy may cover the cost of recovery as part of the claims process. The insurer may arrange recovery themselves or reimburse you if you arrange it independently. Always check with your insurer before arranging recovery after an accident, as unauthorised recovery may not be covered.

If you do not have breakdown cover or accident recovery on your policy, you can still call TRD Moters directly on 07721 551617. We provide pay-as-you-go recovery at competitive rates. There is no membership fee, no policy to check, and no waiting for approval. You call us, we quote a fixed price, and we recover your vehicle to our premises at Unit 15, Lilleshall Grange, Newport TF10 9HL or to a destination of your choice.

We recommend that every driver checks their insurance policy to understand what recovery cover they have. Look for terms like breakdown cover, roadside assistance, and vehicle recovery in your policy documents. If you are unsure, call your insurer and ask. And regardless of your cover level, save 07721 551617 in your phone. If your insurer cannot help, or if you do not have cover, we are here to get you back on the road.