Breakdown Offers

M&S Breakdown Cover

UK and European Breakdown Cover
Keeping you on the road ...
Because our Car Insurance gives you a bit more M&S, you’ll never again have to suffer the risk of being stranded by a broken down or damaged car.
Breakdown Cover

With our UK and European Breakdown Cover, if your vehicle can’t be repaired on the spot we’ll simply pay for your onward travel – via car hire or alternative transport – and any overnight accommodation you need as a result of the breakdown or accident.

Then, once you’re safely on your way, your vehicle will be taken home, or to a garage for repair. And if you’re on holiday abroad and have to leave your car behind while it’s being fixed, don’t worry. It will simply be collected and delivered to your home when it’s ready.

M&S Car Insurance Benefits
M&S Cardholders could save 15% and will receive 1,000 M&S points for taking out a new policy
Premier or standard – choose the cover that’s right for you
Driving abroad? You’re covered for up to 90 days per trip in the European Union
If you need to claim, your UK-based personal claims manager will ensure everything runs smoothly

Premier Cover:
Get additional benefits worth up to £344** with your Premier Cover
These include:

  • Personal European and UK breakdown cover which insures you even if you’re a passenger in another car – worth £269**
  • Guaranteed replacement car for up to 28 days if yours is damaged, stolen or written off – subject to eligibility – worth £24**
  • Up to £100,000 motor legal protection if you’re involved in an accident that’s not your fault – worth £24**
  • Keycare cover up to £1,000 so you’re protected if you lose your keys – worth £27**

Standard Cover:
With Standard Cover, you can keep the cost of your car insurance down with the option to add on some of the benefits included with premier cover. In some instances, it could cost you less to upgrade to premier.
Compare Comprehensive Premier and Standard Cover

Cover benefits

Premier cover

Standard cover

Breakdown cover

Included – European and UK cover. Also covers you as a passenger in another car.

Optional – four levels available covering your vehicle only.

Motor legal protection


Guaranteed replacement car – subject to eligibility

✓ – 28 days

Optional – 14, 21 or 28 days



Courtesy car – subject to availability

European Union travel – unlimited trips up to 90 days

Loss, theft, damage and destruction of vehicle

Loss or damage to personal property in vehicle

Personal accident cover – up to £10,000

Child seat cover

Approved repairs guaranteed for 3 years

Claims line with personal claims managers

Car Insurance Information

Your car gets stolen or you're involved in an accident. You pick up a puncture on the way to work. Or you wake up in the morning to find your car simply won't start.

We rely on our cars today. And when something, or someone, puts them out of action we want to sort it out, straightaway.

All our Car Insurance customers get UK and European Breakdown Cover included as standard with their policy, plus a free hire car for up to 14 days after an accident, fire or theft.

M&S Car Insurance has been Five-Star Rated for features and benefits by Defaqto, an independent research company.

Key Features
  • Inclusive comprehensive breakdown cover in the UK and Europe
  • Inclusive up to 14 day hire car after accident, fire or theft
  • Inclusive courtesy car after that, subject to cover and availability
  • Inclusive Keycare cover in case your keys are lost or stolen
  • Repairs guaranteed for 3 years, completed by approved repairers
  • Easy application with no forms to fill
  • Helpful telephone claims service
  • Green card for unlimited trips abroad for up to 90 days travel per trip
  • Discount available for buying online
We’ll Put the Wheels in Motion
  • Instant quotes by freephone or online
  • Instant cover
  • Debit card, credit card or direct debit payment
  • Comprehensive, third party fire and theft or third party only cover
Breakdown Cover

Breakdown Offers
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