Breakdown Cover: What You Need To Know


No-one wants to be stranded by the roadside with a broken-down vehicle – here’s how breakdown cover can help you when your car is playing up.

Breakdown Cover: What You Need To Know

What is breakdown cover?

Breakdown cover can help you out if your vehicle breaks down. For example, when your car battery dies or your tyres puncture, breakdown cover can help, so you and your vehicle won’t be left stranded on the roadside. All its4women Xtra car insurance policies give you breakdown cover anywhere in the Republic of Ireland, Northern Ireland, Great Britain, Switzerland, Iceland, Norway and right across the EU* Your MIS Breakdown Product provides ‘peace of mind’ motoring, 24 hours a day, 365 days a year, alerting our recovery agents within minutes of your notification. In the event of a breakdown whilst travelling in the Republic of Ireland please telephone 01 804 4328. If you breakdown whilst travelling in the United Kingdom, please call 028 9048 5219.

What is Breakdown cover?

What’s included in breakdown cover?

  • 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.
  • 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.
  • Courtesy car: We will provide a courtesy car for free for a maximum of 14 days, while repairs to your vehicle are being carried out.
  • 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. If you need to have the flat/punctured tyre repaired or replaced, we will refund you €25 towards the cost of this repair or replacement upon receipt of supporting invoice.
  • Locked / 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 or by you to obtain alternative keys.
  • Petrol Shortages: In the event your vehicle is immobilised due to a fuel shortage or misfuelling, we will transport your vehicle to the nearest filling station, charging point or garage to remedy the cause. In addition, to get your vehicle driveable again, we will refund you the cost of 5 litres of fuel upon you supplying a receipt for the cost of the same.
  • Mainland Europe Emergency Cover: (Cash Benefit) In the event your vehicle suffers a breakdown incident or is involved in an accident in mainland Europe, recovery will normally be arranged by the local police force at your own expense. We will refund this cost to you up to a maximum of €500 upon you supplying a receipt for same. In addition, under this specific benefit, should you have the emergency requirement to avail of overnight accommodation and/or temporary replacement self-drive hire vehicle, we shall refund you up to a maximum of €250
  • Message Relay: We will relay on your behalf up to two urgent messages to worried friends, relatives or employers following any unforeseen delay due to a breakdown incident.
  • 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 3 calendar days subject to availability, or 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 60 miles/100 kilometres from your home.

Breakdown exclusions and conditions

It’s worth noting that there are some exclusions and terms and conditions of the MIS Breakdown Recovery Service, set out as follows.

  • We are not liable for the cost of repairing the car.
  • We may refuse assistance in circumstances where the driver is under the influence of alcohol or drugs.
  • Breakdown cover is subject to a maximum of three assists per annum. MIS Breakdown will not be responsible where it is asked to provide the service for a fault that was dealt with in the preceding 28 days, excluding punctures.
  • Break cover will only be provided if the vehicle was in a roadworthy condition prior to the incident and has a valid MOT / NCT.
  • Recovery will not be provided if the vehicle is immobile due to snow, ice, or ingress of water.
  • Breakdown cover is restricted to Republic of Ireland, Northern Ireland, and Great Britain.

Full breakdown exclusions and conditions can be viewed here.

What to do when your car breaks down

It can be scary and confusing when your car breaks down, and it could even be potentially dangerous in certain situations. Therefore, it’s important to know what to do if you find yourself stuck on the road – read our blog on breakdown tips to learn more.

If you don't have breakdown cover already, now might be the time to consider it.

In the event of a breakdown whilst travelling in the Republic of Ireland please telephone 01 804 4328 . If you breakdown whilst travelling in the United Kingdom, please call 028 9048 5219.


Please share :)