Private Car
& Breakdown
Comprehensive cover for everyday drivers — with service that goes the extra mile.
Covéa’s Private Car policy offers straightforward, reliable protection for your clients’ vehicles — whether they’re commuting, road-tripping or running errands. With fully comprehensive cover as standard, the policy includes new-for-old vehicle replacement, personal belongings cover, and an uninsured driver promise. Optional extras like legal expenses, motor breakdown and key cover help tailor the policy to individual needs.
Reliable cover. Hassle-free claims. Built for peace of mind.
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Key Features
Uninsured Driver Promise
Give your clients confidence on the road — if they’re hit by an uninsured driver, they won’t pay an excess and their No Claims Discount stays intact. It’s a powerful reassurance in today’s driving environment, where not everyone plays by the rules.
New Vehicle Replacement
If a car under 12 months old is written off, we’ll replace it with a brand-new one of the same make and model. It’s a standout benefit for new car owners, helping them recover quickly and without compromise.
Child Car Seat Cover
We automatically cover the cost of replacing child car seats after an accident — even if there’s no visible damage. It’s a small but meaningful touch that shows we think about what matters most to families.
Optional Motor Legal & Breakdown Cover
Your clients can enhance their protection with optional legal expenses and RAC breakdown assistance — offering expert support in legal disputes and peace of mind on the roadside, at home, or even abroad.
Key Features
Urgent Message Relay & Replacement Driver
Additional peace of mind with RAC’s extras — including help contacting family or colleagues during a breakdown, and a replacement driver if illness stops the journey from continuing.
Home Start & Recovery Included
Clients are protected even before they leave the driveway. Whether the issue happens at home or on the move, RAC will recover the vehicle to a garage or a UK destination of their choice.
Full European Motoring Cover
Cover extends across 40+ European countries, including roadside repair, repatriation, accommodation, and onward travel — perfect for clients who take their vehicle abroad for holidays or work.
24/7 UK & European Roadside Assistance
Day or night, at home or abroad — if your client’s vehicle breaks down, RAC will dispatch expert help to get them back on the road or arrange recovery to a local garage. Seamless support when they need it most.
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RAC Motor
Breakdown
From driveway to Europe — support when your clients need it most.
Provided in partnership with the RAC, Covéa’s Breakdown Cover offers four levels of support: Roadside, Recovery, At Home and European Assistance. It’s a policy that gives your clients the confidence to drive knowing help is just a call away. With optional hire car, accommodation and onward travel included in higher levels, it's flexible enough for everyday drivers and road-trippers alike.
Quick to act. Easy to use. Trusted to deliver.