Frequently Asked Questions2020-08-13T10:58:15+01:00

Breakdown Cover

Frequently Asked Questions

Why do I need to pay Excess on breakdown cover?2021-06-15T09:15:51+01:00

If you purchased either Basic, Bronze XS, Silver XS or Gold XS cover, these products will carry an excess payable of £40.00. Please check your policy wording, or contact a member of the customer service team if you are unsure. If you purchase Bronze, Silver, Gold or Platinum cover packages you will not pay an excess.

Do you pay for my spare tyre if I breakdown?2023-07-11T11:48:37+01:00

No, we don’t cover the cost to repair your tyre, this is stated under our breakdown policy. We will however send someone out to assist you to change your tyre if you are unable to do it yourself.  To qualify for this assistance you must have (1) The locking wheel nut key and (2) A fully serviceable spare, or space saving, wheel and (3) a jack.  Not all vehicles require a locking wheel nut, if yours does not please make this clear when lodging your claim with an agent.  Please see your Policy Wording for full details, exclusions and terms.

Will you pay for the repairs to my vehicle?2019-03-11T09:44:09+01:00

Nova Direct will not be liable for the repairs of your vehicle. Your policy does not cover the cost of parts or labour to repair your vehicle. However, Nova – Direct will cover the cost to get your vehicle to the nearest garage or for roadside assistance.

How long will it take for breakdown assistance to arrive?2019-03-11T09:38:53+01:00

Our Breakdown Insurance Policy is a ‘best efforts’ type policy. This means that we are unable to warrant for recovery times. Recovery times are dependent on weather and traffic conditions. We typically estimate that our estimated time of arrival at the scene of your breakdown will be between 60-90 minutes. Our typical stats are 42% of customers are recovered within an hour of incident, 70% of customers are recovered within an hour and a half of Breakdown, 5% of customers are recovered over 3 hours post Breakdown. Unlike other providers who give unrealistic promises with regards to arrival times, we prefer to be upfront with our customers in order to manage expectations. These recovery times are unfortunately industry standard.

How soon can I claim for a battery or electrical fault on my vehicle?2019-03-11T09:36:26+01:00

There is a 30 day cooling off period following the start of your policy, during which you cannot make a breakdown claim for a battery issue or electrical fault to your vehicle. You can only claim after the 30 days and if your car is immobile.

How soon can I claim for a breakdown?2022-12-14T18:38:04+01:00

There is a 48 hours cooling off period following the start of your policy during which you cannot make a breakdown claim. This does not apply to policy renewals. Once the 48 hour cooling off period is over, you may only claim once for the same symptom within a 28 day cycle. The cooling off period also applies if you request a policy change, known as a Mid-Term Adjustment (MTA).

What have I purchased?2019-07-29T08:38:55+01:00

The product you have purchased is a non-advised product. This means that all the information was presented to you online, including the policy wording and the terms and conditions, which you opted into upon payment.

The Financial Services and Markets Act 2000 Section 3B(1)(d) provides ‘the general principle that consumers should take responsibility for their decisions’. Section 3C(2)(e) notes the general principle that those providing regulated financial services should be expected to provide consumers with a level of care that is appropriate having regard to the degree of risk involved in relation to the investment or other transaction and the capabilities of the consumers in question.

At Nova Direct we attempt to be as upfront with our customer base as possible and aim to provide all policy information upon purchase with the detail clarified on our website under our FAQs. We feel that this adequately provides all our customers with the information they need to appropriately decide whether our products are fit for your purposes. It is on that basis that our typical approach is, ignorance of our policy wording or terms of business are not valid defence against being held accountable by them.

What have I bought and agreed to?2019-02-08T09:17:43+01:00

Please note that you have bought a non-advised insurance product.  This means that the policy terms and conditions were available at the time of purchase and you were required to read the terms and agree to them at the time of policy purchase.  By accepting these, and our terms of business, you have consented to be bound and be held accountable by both.  There is a general legal principle called Caveat Emptor, which means that the buyer alone is responsible for checking the quality and suitability of goods before a purchase is made.  Ignorance of the policy terms post purchase is not a valid defence to a claims denial, nor is it a valid defence against being bound by our Terms of Business.

How long will it take before I am covered?2022-12-14T18:48:01+01:00

As soon as you’ve completed the payment process you’re covered. Depending on the insurance package you take out, you have 7 – 15 days to email us your documents, if you do not email the documents your insurance will not be valid. For breakdown insurance you can claim after 48 hours for non starting issues. However for gadget and non starting issues there is a 30 day cooling off period.

How do I claim?2020-10-22T11:14:02+01:00

The quickest, easiest and simplest way is to raise your claim online by visiting and clicking “Claims”. We ask you to raise the claim online because we will need a variety of documents to support your claim and at the same time securely take the claims excess payment.

What documents will I need to claim?2020-10-22T13:25:50+01:00

The documentation or evidence requires does depend on the type of claim; damage, loss or theft.

(1) Check mend report within 24 hours of incident (if damaged)
(2) Report my loss within 24 hours of incident (if lost)
(3) Proof of usage from your network provider
(4) Repair estimate from a repair centre
(5) Proof of blacklisting (if stolen)
(6) Images of damaged device

In all claims circumstances we will require (1) Purchase invoice for the device (2) Details of any financed used to purchase the Gadget (3) Proof of usage in your name. If you damaged your device and our suppliers do not have a suitable replacement device in stock, you will need to provide two (2) repair quotes. You are also required to settle any outstanding Premium Finance prior to your claim proceeding.

How long does it take before my claim is paid out?2020-10-22T13:24:22+01:00

All claims are unique and dealt with on an individual basis based on its own merits. The time frames are dependent on many factors which include; the time it takes for us to receive all required documentation, the time taken to settle any outstanding finance and the time taken to provide a repair estimate. Once a settlement is accepted, payment will occur within 14 days of acceptance.

What happens if my claim is not accepted?2019-03-11T10:04:00+01:00

If your claim has been denied, there may be a few reasons. Make sure you have sent us all documents required within the first week of signing up. Make sure you are always on the right side of your policy. Remember to always carry a spare tyre. Remember you cannot claim for the same symptom within 28 days. We’ll let you know why your claim was denied, if this is the case. But most of the time its something we can help you resolve.

Does my protection continue automatically if my item is replaced?2019-12-18T11:46:33+01:00

In order to protect your new Gadget you will need to declare and validate your new item with us.

Why am I not covered ?2019-03-11T09:40:16+01:00

There may be many reasons you are not covered. Below is a list of reasons why you may not be covered:

  • You may not get breakdown assistance if the fault is due to your negligence, for example hitting a speed bump at a fast pace
  • If you have already claimed for the same symptom within a 28 day cycle
  • If you do not have the correct registration numbers corresponding with your vehicle and our systems
  • If you have not updated your details with your broker prior to having a breakdown
  • Acts of Vandalism
  • Road Traffic Accidents
  • Misfuelling your vehicle
  • Where your vehicle is not completely immobile
  • If you do not have a replacement tyre or wheel lock nut


Can I change my policy?2020-05-05T19:58:28+01:00

You may change your policy or amend your details at any time, please note that there is an amendment fee of £4.99.  You can request an amendment online, called a Mid Term Adjustment, by visiting the Change Your Details page.

What happens if they cant fix my vehicle roadside?2019-03-11T09:43:48+01:00

You have two options when you breakdown, you may either have roadside assistance or be towed to the nearest garage.

If your vehicle can not be fixed roadside and you call in again, you then will be claiming for the same symptom within a 28 day cycle. We will not just leave you stranded, we would be happy to arrange for your vehicle to be towed to the nearest garage, but this will be treated as a private job rather than an insurance claim and an additional payment maybe required from you.

I have mistreated your member of staff, what will happen now?2019-08-27T08:40:32+01:00

In order to treat our customers fairly we apply the terms of our policy wording and terms of business strictly to the letter irrespective of personal circumstances,  to ensure a uniform service to all our customers.  This does mean that on occasion a premium difference may occur on new policies, or your claim may be denied during a claims process.  In these instances we will endeavour to explain the reasons and will provide full details of this in a full and detailed written correspondence.  Whilst we appreciate that this may leave you frustrated, our staff are only doing their jobs and therefore deserve to be treated with dignity and respect.  Customers who take their anger out on our staff by using unacceptable language, threats and other such unacceptable behaviour may find their policies being cancelled off without further notice and no refunds of premiums paid being made.

Why am I paying again? I already paid for the cover for a year.2019-03-11T10:03:23+01:00

There is a few instances where you will pay extra

  • If you have taken out Bronze Excess, Silver Excess or Gold Excess cover there is an excess due
  • If you claim for the same symptom within 28 days and we assist you and arrange breakdown tow truck on your behalf it will be a cost of £100
  • Renewal of your policy once the 12 month period is up
Can you email me my policy wording or schedule?2021-10-14T09:05:43+01:00

Yes.  We do charge a small fee of £4.99 for postal documents.  Please use our live chat or callback request options to request this.

Will my excess be refunded if I cancel the job?2022-12-14T18:40:48+01:00

Your excess will not be refunded if you cancel the claim as the job would have already been dispatched. If assistance has been arranged and/or dispatched and you cancel the job you maybe liable for £100 if within the United Kingdom, or £150 if You are in Europe (Gold Cover only). Please see ‘Cancellation’ under the heading ‘Conditions’ in your Policy Wording.

What have I bought?2019-03-18T09:31:02+01:00

Please note that you have bought a non-advised insurance product. This means that the policy terms and conditions were available at the time of purchase and you were required to read the terms and agree to them at the time of policy purchase. By accepting these, and our terms of business, you have consented to be bound and be held accountable by both. There is a general legal principle called Caveat Emptor, which means that the buyer alone is responsible for checking the quality and suitability of goods before a purchase is made. Ignorance of the policy terms post purchase is not a valid defence to a claims denial, nor is it a valid defence against being bound by our Terms of Business.

What is a private job?2019-03-11T09:45:22+01:00

A private job may be done when you have already used your roadside assistance and then need recovery. We would call on your behalf for a tow truck to recover you to the nearest garage at a cost of £100

Why can I not be recovered home?2019-03-11T09:42:49+01:00

According to the policy wording we must tow vehicles to a local garage however, we may tow your vehicle if applicable due to certain reasons such as garages being closed to your home. If you are covered for home assistance, you then can be assisted for roadside or recovery from your home.

My policy states that I get National Recovery. Why can’t I use this immediately?2019-03-11T09:43:18+01:00

The policy wording states that you need to exhaust your local recovery before you get national recovery however, if local recovery is not possible at the breakdown scene then we may recover your vehicle nationally.

The garage is going to take too long to repair my vehicle, can I have my vehicle recovered nationally?2019-03-11T09:44:47+01:00

No, once the vehicle reaches the garage, we have fulfilled our obligation of getting you assistance. However if you are covered for onward travel, you then can use this policy to either use bus, train or courtesy car for up to £50 per day up to two days.

Why cant you choose a garage for me?2019-03-11T09:44:25+01:00

As we would not be liable for any damages done at any recommended garages by our agents / We would not be held liable for towing you to any incorrect garages/unknown buildings. We can not guarantee that one garage is better than another and therefore we do not want to advise you incorrectly.

Who is going to pay for my vehicle storage costs?2019-03-11T09:45:03+01:00

Any parts required to fix your vehicle, labor done or vehicle storage would be to the clients expense.

What is my broker number?2019-03-11T10:02:17+01:00

A broker is the party which has sold the policy to you. The broker is the party that places your risk with an insurer. They act as the intermediary between yourself and the insurer. Your brokers number should be stated in your policy schedule.

Who is my broker?2021-12-14T10:16:00+01:00

Your Broker is the party from which you purchased your policy. The name and contact numbers for your broker can be found on the original mail sent to you with your policy documentation.

Who do I speak to regarding a refund?2018-12-12T10:44:50+01:00

Refund requests can be sent to Please ensure that you provide as much information as  possible regarding the reason for your refund request as well as any supporting documentation.

Why can’t I claim twice for the same symptom?2019-10-03T07:40:32+01:00

Your insurance product is an emergency based product, it is not a service based product.  This means that the intention of the product is to provide assistance in the unlikely event that your vehicle breaks down.  If a pre-existing fault is known to exist on your vehicle, under the teams of your insurance policy you are obligated to have it repaired.  Failure to do so will invalidate any future claims.  Subsequent call outs for the same fault are classified as knowledge of an existing fault which have not been suitably repaired.

How long do I need to wait for my refund to reflect?2019-03-11T10:01:22+01:00

The refund process is started as soon as your refund request has been accepted. We do have to follow internal procedures which include verifying your identity as well as banking details. For this reason, a refund can take up to 4 weeks.

Why do you not provide assistance for dashboard light warnings?2019-10-03T07:40:53+01:00

In the majority of situations dashboard lights serve as a warning that something maybe wrong with your vehicle.  They provide a warning that you should take your car to an authorised dealer for inspection.  However, in the majority of situations the cause of the warning light illuminating is usually either a light fault or a sensory fault.  Should a dashboard light come on, but your vehicle remains driveable, our standard advise is to drive your vehicle to an approved dealer for inspection.  Unless your vehicle has been rendered completely immobile due to a mechanical or electrical failure, our policy will not provide assistance.

Why is there a 48 hour cooling off period?2022-12-14T18:41:45+01:00

Our Breakdown Insurance Policy is designed to assist with unlikely and unforeseen circumstances.  This means that if your vehicle is already broken down and you require immediate assistance our Insurance Policy will not be able to assist you.  In order to restrict parties purchasing our Insurance Policy and lodging immediate claims, our Policy includes a no-claim within the first 48 hours post Policy inception clause.

If my car is in Limp Mode will I be recovered?2019-03-11T09:40:39+01:00

No. When the engine or transmission control unit of your vehicle recognises a serious fault from the engine or transmission, many modern cars will force the vehicle into a ‘limp mode’. The aim of limp mode is to reduce the power output of the vehicle and limit the RPMs of the engine. Doing so enables your car to be driven to a garage without causing further damage to the engine. In order for our Breakdown Policy to apply your vehicle must be rendered completely immobile. Because vehicles in Limp Mode are still driveable, our Breakdown Policy will not recover your vehicle or offer forms of roadside assistance whilst the vehicle remains moveable.

What happens if my automatic renewal fails?2021-12-02T15:19:20+01:00

We will attempt to charge the debit or credit card we have on file, however this may be unsuccessful for a number of reasons.  This could include a lack of funds, new card details, blocked card or additional security is required.  Contact, either in the form of SMS, email or phone, will be attempted to discuss the renewal and obtain new card details.  If this is not possible then your policy will lapse and cover will cease from the date noted on your Policy Schedule.

Do we give priority to vulnerable people?2022-12-14T18:43:27+01:00

We aim to get to all policy holders as quickly as possible, though do consider circumstances when responding to breakdowns. If you wish to let us know of something you feel we should consider when dealing with your claim please let us know in advance by visit Customer Services, selecting Notify, followed by Consideration

Where are my cancellation fees detailed?2020-05-05T19:54:36+01:00

Our cancellation fees are detailed within our Terms of Business, which you confirmed that you had ‘read, understood and accepted’ at the time you completed your insurance application process with us online. These terms have been opted into and as per your acceptance, you have confirmed that you understood that ‘Ignorance of these terms post payment will not be deemed a valid defence against being held accountable by them’.

Do I not have a 14 day cooling off period?2022-12-22T10:26:42+01:00

The 14 day cooling off period allows you to exit your contract of insurance, which is an annual contract, and receive a refund of the premium paid. This does not mean you can exit the contract without any charges being applied. Please see the Fees & Charges Guide for full details. Regardless of time on cover there is an administration fee for cancellation.  Full details of our cancellation fees can be found in our Terms of Business.

What is the policy renewal process?2020-12-10T18:09:04+01:00

Your policy is an automatically renewing policy.  This means that the contract continues until the cancellation process is followed.  You can opt out of your auto renewal online.  Once the process is followed your policy will not renew and any renewal monies will not be deducted from you.

Do I have the right to automatic recovery?2019-03-11T09:37:43+01:00

No. Your policy is an Insurance Policy. This means that it has terms and conditions which must be met in order for your claim to be deemed valid. Your policy is not a Service Contract, such as the RAC or AA, which guarantees you a right to an automatic recovery.

What services am I able to claim under my Breakdown Policy?2022-02-10T17:37:58+01:00

Your Breakdown policy covers either assistance or recovery.

Policies with assistance cover provide either Roadside Assistance or Home Assistance. This is where a man in a van with tools attends your location and attempts to fix your vehicle. This is only possible on basic faults such as a locked steering wheel, flat batteries and other minor issues. Major faults such as snapped clutch cables cannot be repaired roadside and will need recovery to a garage.

In terms of recovery, in office hours (typically between 8am and 4pm), recovery to a local garage will be the primary method of recovery. Outside of hours, national recovery to a home address maybe permitted. In hours customers must be recovered to a local garage, outside of hours customers can opt for national recovery to your home address.

Your policy only affords you one call out per unique Breakdown. Customers will be given the choice between assistance or recovery. If assistance is unsuccessful the service van will be unable to tow your vehicle. A second claim will then be required to deploy a towing vehicle. As this will incur a second claims cost, and your policy only allows for one call out per each unique fault, your insurance policy would not cover this second claim and you would be required to fund this callout yourself.

Our basic advice is, if in doubt opt for recovery to a garage.

Who are Nova Direct and are you regulated?2019-07-24T12:42:54+01:00

Nova Direct is a trading name of Policy Excess Insure Ltd. We are regulated by the Financial Conduct Authority under firm no. 836031. Our FCA registration can be checked at Nova Direct is an authorised insurance intermediary, or broker, who places insurance risks with a panel of insurers.

Who are Nova Premium finance?2019-07-24T12:45:09+01:00

Nova Premium Finance Ltd are regulated by the Financial Conduct Authority under firm no. 716933. Nova Premium Finance’s FCA registration can be checked at Nova Premium Finance Ltd are an authorised credit lender who charge interest on monies lent. Their typical interest rate can range between 11% and 15% depending on your risk and credit score. Nova Direct and Nova Premium Finance are not the same company but do operate under a linked arrangement.

Get your quote in seconds

Motoring peace of mind 24 hours a day, 7 days a week


Get cover from £16.50 a year