Fleet & Motor

Fleet Breakdown Cover

Keep your fleet moving with comprehensive breakdown cover. 24/7 roadside assistance, recovery, and onward travel for commercial vehicles of all sizes, from vans to HGVs.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Fleet Breakdown Cover Include?

Fleet breakdown cover provides comprehensive roadside assistance and recovery services. Coverage options include:

Roadside Assistance

24/7 callout for breakdowns anywhere in the UK. Technicians will attempt repairs at the roadside.

Recovery

If roadside repair isn't possible, we'll recover your vehicle to a garage or your premises.

Home Start

Assistance if your vehicle won't start at your premises or overnight parking location.

Onward Travel

Alternative transport for driver and passengers if your vehicle can't be repaired quickly.

Overnight Accommodation

Hotel costs if you're stranded away from home due to a breakdown.

European Cover

Extension for breakdowns in Europe if your fleet operates internationally.

Misfuelling

Assistance if the wrong fuel is put in your vehicle – draining and flushing the system.

Key Assist

Help if keys are lost, stolen, or locked in the vehicle.

Specialist Recovery

HGV and specialist vehicle recovery using appropriate equipment and expertise.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

24/7 Assistance

Round-the-clock support whenever and wherever your vehicles break down.

Minimise Downtime

Fast response times to get your vehicles back on the road and earning.

Commercial Expertise

Technicians experienced with commercial vehicles, not just cars.

Fleet Rates

terms suited to your needs for multiple vehicles under one policy.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Commercial vehicle fleets
Haulage and logistics companies
Delivery and courier services
Taxi and private hire operators
Construction and plant hire
Service and maintenance fleets
Coach and minibus operators
Any business reliant on vehicles

What We'll Need for Your Quote

1
Number and types of vehicles
2
Vehicle ages and mileages
3
Geographic area of operations
4
UK only or European cover needed
5
Level of cover required
6
Current breakdown arrangements
7
Average callouts per year
8
Any specialist vehicle requirements

Get Your Quote

Frequently Asked Questions

Is fleet breakdown cover different from personal breakdown cover?

Yes, fleet breakdown cover is designed for commercial vehicles and business use. It typically includes faster response times, commercial vehicle expertise, and covers the vehicle regardless of who's driving – not just named individuals.

Are HGVs and large vehicles covered?

Yes, we can arrange breakdown cover for vehicles of all sizes including HGVs, coaches, and specialist vehicles. These require specialist recovery equipment and expertise, which is included in commercial breakdown policies.

What's the typical response time?

Most providers aim to reach you within 60-90 minutes, though this can vary by location and time of day. Priority response options are available for time-critical operations.

Can I add or remove vehicles during the year?

Yes, fleet breakdown policies are flexible. You can add new vehicles as your fleet grows and remove vehicles when they're sold or taken off the road, with premiums adjusted accordingly.

Is breakdown cover included in my fleet insurance?

Sometimes, but not always. Many fleet motor policies offer breakdown as an optional extra. Standalone breakdown cover may offer more comprehensive benefits or better value for larger fleets.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.