In the event of a non fault accident, call us on:  028 9048 4484


Retrieve a Quote

Everytime you complete a quote on our website, we save your quotes in your secure online account. All quotes are valid for 30 days and you can go back to them and buy a policy at any time during this period. You can even amend your details to generate new quotes if you want to make a change. After the 30 days is over you can still view the quotes for reference purposes although the prices will not be valid any more.


Breakdown Recovery  - Policy Summary

About this document

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance; so please take time to read the policy document to make sure you understand the cover it provides.

Your Policy  is arranged by Motorists Insurance Services Ltd and this product is not regulated by the Financial Conduct Authority.

What is covered?

MIS Breakdown and Motor Legal Expenses Cover is designed to provide assistance in the event your vehicle is immobilised as a result of an electrical or mechanical failure of if you have been involved in an accident and in the event you are involved in a non fault accident, the benefits of a replacement vehicle and legal representation to recover your uninsured losses and any personal injury claim.

The limit of liability payable under this policy is detailed in your policy schedule.

There are Two Separate Sections to the Contract:


Following an incident at least 1/4 mile from either the policyholder’s home address or the place where the vehicle is usually kept, we will:

  • Arrange for roadside assistance and if the recovery agent cannot fix your vehicle. It will be taken to the nearest garage, other local repairer, or to a destination of your choice whichever is closer.
  • If you suffer a puncture whilst driving we will assist with the replacement of your wheel provided you have a suitable replacement with the vehicle.
  • If your keys are lost or locked in the vehicle, we will take your vehicle to the nearest secure premises while endeavours are made to access the vehicle or obtain alternative keys.
  • In the event you vehicle is immobilized due to a fuel shortage or the wrong fuel is used, we will transport your vehicle to the nearest petrol station or garage to remedy the cause.
  • The recovery of your uninsured losses resulting from a road traffic accident in the insured vehicle, the provision of a replacement car and legal professional fees incurred in pursuit of your claim against an identifiable third party.

Additional Rescue Cover

The benefits under Additional Rescue Cover plus Home Start:

  • If your vehicle breaks down at your home address, we will arrange for home start assistance. When a repair cannot be made at the home address, we will arrange for the removal of the vehicle to the nearest garage or another destination of your choice, provided the location is no greater distance from the garage and subject to the 20 miles restriction.
  • The service is only provided if the vehicle was in a roadworthy condition prior to the incident.
  • If your vehicle cannot be repaired within a reasonable period of time, we will provide either of the following benefits.
  • A replacement vehicle up to 48 hours, subject to availability or Overnight accommodation and breakfast in a local hotel whilst you await for the repairs to be completed up to the value of €250. The incident must have occurred more than 100 KM from your home and any other meals, drinks or costs remain you responsibility

Duration of Cover:

12 months from the date of inception of this insurance as detailed on the policy schedule.

Cancellation Right:

We hope you are happy with the cover this policy provides. However, if after reading this document, this insurance does not meet with your requirements, please return it to MIS within 14 days of receiving the insurance documents and we will refund your premium in full.

Making a claim

If you have a claim, please call MIS by telephoning 02890 434043 for the Breakdown Service and 0845 491 11 11 for the Legal Expenses Cover.


It is the intention to give you the best possible service, but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the proceedure below.

Complaints regarding the sale of your policy should be directed to:

  • Motorists Insurance Services Ltd,
  • Beechwood House,
  • 37 Comber Road,
  • Dundonald,
  • Belfast,
  • BT16 2AA
  • Telephone: 028 9041 0220

Complaints regarding a claim on your policy should be directed to:

  • Motorists Insurance Services Ltd,
  • Beechwood House,
  • 37 Comber Road,
  • Dundonald,
  • Belfast,
  • BT16 2AA
  • Telephone: 028 9041 0220

We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575


This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.


We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.

  Why do we process your data?  

The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.

  What information do we collect about you?  

Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.


For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.


We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.

  UK General’s full privacy notice  

This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at [^] or request a copy by emailing us at Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.

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