HIC breakdown insurance

Stranded miles from home with your broken down vehicle? Don't panic! HIC Rescue has got it covered; now you can buy breakdown insurance online to cover you in the UK and throughout Europe.

With most insurance, you take out a policy in advance of possibly needing to make a claim. With HIC Rescue's instant cover breakdown insurance, you can take out a policy even after your vehicle breaks down or fails to start.

Once your initial mechanical problem is sorted you'll also get a full 12 months of cover to keep you on the move and added peace of mind.

Visit the HIC Rescue buy online service to open up a whole suite of rescue services. These services include:

  • Roadside & Local Recovery - motorbike only
  • Roadside & National Recovery - for private car, motorbike and van only
  • Total UK Cover - for private car, motorbike, van and motorhome or campervan
  • Total UK Cover + Instant Cover - for private car, motorbike, and van only
  • Total UK and European cover - for private car, motorcycle and motorhome or campervan
  • Total UK and European cover plus - for private car and motorhome or campervan
  • Total UK and European cover plus and trailer - for private car and motorhome or campervan
  • Annual European cover (365 European Cover) - for private car and motorhome or campervan

What does HIC breakdown cover cost?

If purchased as part of your annual motor insurance with HIC, HIC Rescue breakdown cover can cost from as little as £56 for a car and include both UK & European cover. You can also now buy standalone HIC breakdown cover from as little as £30.80 for a motorcycle or £44.80 for a car for Roadside and Recovery options.

With motorway towing charges starting around £150 and the average garage call-out fee of £90, breakdown cover will usually pay for itself the first time you need to call on it.

HIC has a network of 1, 800 Breakdown Recovery specialists and is cheaper than comparable cover available from the AA, RAC and Green Flag.

What is included in HIC breakdown insurance?

Depending on the level of cover selected the following benefits will be available:

Roadside Assistance

HIC Rescue will arrange help at the scene of the breakdown and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, HIC will arrange and pay the reasonable cost of taking it, you and up to 5 passengers to the nearest available garage.

Vehicle Recovery

If the vehicle cannot be repaired at the scene of the breakdown and cannot be repaired the same day at a suitable garage, HIC will arrange and pay the reasonable cost of taking the vehicle, you and up to 5 passengers from the place where the vehicle has broken down to any one place you choose.

Home Service

If the vehicle breaks down at your home or within one mile of your home, we will arrange help and pay call-out fees and labour charges needed to start the vehicle. If the vehicle cannot be repaired quickly at the scene of the breakdown, HIC will pay the reasonable cost of taking the vehicle to the nearest available garage.

European Cover

To help keep you and your party mobile while in most EU countries, HIC also provides additional benefits, including the cost of recovering the vehicle to your home if it cannot be repaired before your planned return date, or costs incurred in travelling from your home or holiday location to the scene of the breakdown to collect the vehicle after repair. Cover only applies for 60 days or less in the policy period.

European Plus Cover

Providing the same cover as the standard European policy, but also includes recovery in 17 additional countries outside the EU including Albania, Bulgaria, Hungary, Latvia, Russia (west of the Urals) and Turkey

European Cover for Expats

HIC Rescue can even provide breakdown, vehicle recovery and home service for British expats now living in most European countries, as long as you keep your UK-registered car abroad for at least eight months of the year.

Get a quote for European breakdown cover

Terms and conditions apply.


Breakdown Insurance Cover from HIC

Price Comparison

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Price comparison for similar level of cover taken on 04/04/2019

Great Value

Total UK Cover which also includes Cover at Home is just for Cars and Bikes, for Vans and {getprice?product: =breakdown_standalone_motorhome } for Motorhomes/Campers.

If you purchase our Breakdown Cover alongside one of our motor insurance policies we include 60 days EU cover and increased policy benefit limits at a fantastic rate of for Cars, for Bikes, for Classic and Kit cars, for Motorhomes/Campers, Vans or Pickups.

Cover is available for Vans, Pickups and Motorhomes/Campers weighing up to a maximum of 3, 500 kilograms.