Motorpoint breakdown cover terms and conditions


Please read this document carefully and make sure You understand and fully comply with its terms and conditions; failure to do so may jeopardise any request for assistance and could lead to the policy becoming void. Please ensure You keep this document with Your Proposal Form / Policy Schedule issued at the time of purchase in a safe place, so You can refer to it again should You need to.
This is a dynamic emergency assistance service designed by experts to suit You. Motorpoint Breakdown Cover administered on Our behalf by Call Assist, operates a 24 hour, 365 days-a-year service for You, to telephone should Your Vehicle experience a Breakdown.

The Call Assist Rescue Controllers are trained to the highest degree and are backed by the latest computer technology and mapping facilities together with a fully trained network of Recovery Operators throughout the United Kingdom.


Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this insurance and will appear with a capital letter and in bold. For ease of reference these definitions have been placed in alphabetical order.

Administrators means;
AutoProtect (MBI) Limited (AutoProtect) Warwick House
Roydon Road Harlow CM19 5DY
Motorpoint Breakdown Cover
Call Assist Limited (Call Assist) Axis Court
North Station Road Colchester CO1 1UX

Breakdown means an electrical or mechanical failure, this includes running out of fuel and flat tyres where a spare is available, which immediately renders the Vehicle immobilised.

Contract of Insurance means each policy is individually underwritten between You (the Insured) and Red Sands Insurance Company (Europe) Limited. (the Insurer). In consideration of the Insured having completed a Proposal Form and the required premium paid to AutoProtect and accepted by Us, We agree to Indemnify the Insured up to the limits detailed herein, subject always to the definitions, conditions, exclusions and periods contained herein.

Geographical Limits Geographical Limits means the area in which the policy is effective and are Great Britain, Northern Ireland, the Isle of Man, the Channel Islands, member countries of the European Community. The Vehicle can only be used outside of Great Britain for a maximum of 60 days per year.

Indemnity/Indemnified means reimbursement in respect of agreed costs or expenses incurred as a result of a Breakdown.

Introducer / Dealer means the party, person or company who has arranged this insurance on Your behalf.

Insured / You / Your / Yourself means the person named in the Policy Schedule.

Insurer / We / Us / Our means Red Sands Insurance Company (Europe) Limited. Red Sands Insurance Company (Europe) Limited is a company registered in Gibraltar No. 87598, registered office: Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade Gibraltar.

Proposal Form / Policy Schedule means the signed form and declaration which contains details of the Vehicle, the Period of Insurance, and any additional information provided by You or on Your behalf to Us, in support of Your application for insurance cover. Please check that the information contained in the Policy Schedule is correct and that it meets Your requirements. If it does not, please contact the Introducer or Dealer who arranged this insurance for You, or AutoProtect.

Vehicle means the Vehicle as specified in the Policy Schedule which is no greater than; 5.18 metres (17ft) long, 1.90 metres (6ft 3”) wide 2.43 metres (8ft) high and 3,500kgs gross vehicle mass (GVM).


Roadside Assistance & Recovery

If the Vehicle suffers a Breakdown, this includes running out of fuel, help will be sent to the scene of the Breakdown and We will pay call out fees and mileage charges needed to repair or assist with the Vehicle. If, in the opinion of the Recovery Operator, they are unable to repair the Vehicle at the roadside the Recovery Controller will assist in the following way:

  • arrange for the Vehicle, You and up to 5 passengers to be recovered to the nearest garage able to undertake the repair, or;
  • If the above is not possible at the time of the Breakdown they will arrange for the Vehicle, You and up to 5 passengers to be transported to Your home address or original destination.

Home Assist

A Recovery Operator will be despatched to Your home address or within a one mile radius. Attempts will be made to repair Your Vehicle on the spot. If a repair is not possible they will transport Your Vehicle to the nearest repairing garage.

Alternative Travel*

If the repairing Recovery Operator is unable to repair the Vehicle within the same working day or a period agreed between You and the Rescue Controller, We will pay up to £60 (maximum) towards the cost of alternative transport or £30 (maximum) towards the cost of a replacement Vehicle. This service can only be used to complete a journey whilst the Vehicle is being repaired a minimum of 20 miles away from Your home address. Costs will only be reimbursed upon receipt of a valid invoice/receipt.

Emergency Overnight Accommodation*

If Call Assist decide on alternative accommodation We will pay a maximum of £25 per person for one night for You and up to 5 passengers.

*These services will be offered on a pay/claim basis, which means that You must pay initially and Call Assist will send You a claim form for reimbursement, which will be dealt with by the Control Centre within a short period of time. Before arranging these services, authorisation must be obtained from the Rescue Controller.

Caravans and Trailers

If the Vehicle suffers a Breakdown and Your caravan/trailer is attached, providing it is fitted with a standard towing hitch and does not exceed 7.0104 metres (23 feet) in length, Your caravan/ trailer will be recovered with the Vehicle at no extra cost.

Message Service

If You require, the Rescue Controller will gladly pass on two messages to Your home or place of work to let them know of Your predicament and ease Your worry.


If the Vehicle breaks down please call the 24 hour Control Centre on: 0345 646 0848 (UK only)

(This telephone number is strictly for rescue purposes only) The Rescue Controller will assist You professionally, sympathetically and deal with Your request quickly.

Please have the following information ready to give to the Rescue Controller, who will use this to validate Your policy. Tell them;

  1. You are an AutoProtect customer
  2. Your return telephone number with area code
  3. Your policy type and number and the Vehicle registration
  4. The precise location of the Vehicle (or as accurately as You are able in the circumstances)
  5. What seems to be the problem (for example, if You have a puncture tell the Controller Your tyre size).

The Rescue Controller will take Your details and ask You to remain by the telephone You are calling from. Once arrangements have been made they will telephone to advise who will be coming out to You and how long they are expected to take. You will then be asked to return to the Vehicle.

Please remember to guard Your safety at all times but remain with or nearby the Vehicle until the Recovery Operator arrives. Once the Operator arrives at the scene please be guided by his/her safety advice.

If the Police are present please advise them that You have contacted Your recovery service or give them the telephone number to call on Your behalf.


We will provide the insurance as stated in this document. Your Proposal Form/Policy Schedule issued at the time of purchase, which includes the signed declaration and the undertaking to pay the premium, is the basis of the Contract of Insurance and forms part of the policy.

This document contains details of the insurance cover You have selected, what is excluded from the cover and the conditions of the insurance.

If the Vehicle suffers a Breakdown at home or during the course of a journey service will be provided. We will provide cover for any Breakdown and any costs involved with the roadside assistance or recovery to a local garage (not including parts and labour) during the Period of Insurance and within the Geographical Limits defined.


The parties to this insurance can choose the law that applies to it. We have chosen the laws of England and Wales to apply. Under the terms and conditions of the policy, We have chosen to use English language in all documents and communication relating to this policy.


The insurance provided, is in addition to Your legal rights under the Sale of Goods Act and is not to be substituted for the suppliers liability if repairs, or replacement parts fitted to the Vehicle are found to be unfit for the purpose for which they were intended, or are not as described or are not of satisfactory quality.


The Vehicle is covered whilst it is being used by any authorised person within the Geographical Limits.

In respect of Home Assist Cover, this is restricted to the home address registered with Motorpoint Breakdown Cover.


The maximum that will be paid under this Motorpoint Breakdown Cover policy for any one Breakdown will be £1000 inclusive of VAT, with the total aggregate amount being up to the purchase price of the insured Vehicle.


Details of Your Motorpoint Breakdown Cover may not reach Call Assist by the time assistance is required. In this unlikely event, they will always assist customers, but before cover can be validated, they will ask the driver to provide their credit card details. When confirmation of cover has been received, the credit card details will be destroyed immediately. If breakdown cover is not valid, payment for the service will be deducted from the credit card. A receipt of payment will be forwarded to You to claim back the costs if You have evidence of a valid policy. Please contact the Introducer or Dealer if You have any questions concerning this procedure.
Please note: Any repairs undertaken by a Recovery Operator at their premises are provided under a separate contract, which is between You and the garage.


This Motorpoint Breakdown Cover policy only covers the Insured for the Vehicle registered on the Call Assist database, therefore any change must be notified immediately in writing to AutoProtect. Please include Your policy type and number, make and model of the Vehicle, and the date You wish this to be effective. If You do not notify AutoProtect of the change Call Assist may not be able to assist You.


Selling the Vehicle with the policy may assist in its sale. To request a transfer of the policy simply call AutoProtect on 01279 456 500 and supply the details of the person to whom You will be selling the Vehicle. There will be a fee of £25 as a contribution towards the costs of transferring the policy which must be carried out within seven (7) days of the sale. This policy may not be transferred if the Vehicle is sold to a motor dealer or trader and it will be cancelled automatically on such a sale. The policy is not transferable to any other Vehicle.


This insurance does not cover the following:

  1. Assistance due to an accident, fire, theft or vandalism or other incident normally covered by a motor insurance policy. Assistance can be arranged if You agree to pay for the service provided. (You may be able to recover these costs under the terms of Your motor insurance policy).
  2. Any caravan/trailer being towed where the total length exceeds 7.0104 metres (23 feet) and where it is not attached to the Vehicle with a standard towing hitch.
  3. Vehicles not registered as having Motorpoint Breakdown Cover.
  4. The cost of any parts, components or materials used to repair the Vehicle.
  5. Any costs or expenses not authorised by the Rescue Controller.
  6. The cost of food, drinks, telephone calls or other incidentals.
  7. The cost of alternative transport other than to Your destination or home.
  8. The cost of fuel, oil or insurance for a hire Vehicle.
  9. The recovery of the Vehicle and passengers if repairs can be carried out at or near the scene of the Breakdown within a reasonable time. If recovery takes effect You are entitled to recovery to only one address in respect of any one Breakdown.
  10. Overnight accommodation or car hire charges if repairs can be carried out at or near the scene of the Breakdown within an agreed time.
  11. Breakdowns caused by failure to maintain the Vehicle in a roadworthy condition including maintenance or proper levels of oil and water. If, in the opinion of the Recovery Operator, the Vehicle is found to be unroadworthy due to lack of maintenance, unless servicing records can be provided, We may terminate Your policy immediately, notifying You by letter as to what action We have taken.
  12. Any request where service cannot be effected because the Vehicle does not carry a serviceable spare wheel and locking wheel nut and/or manufacturer approved emergency foam fill kit.
  13. Any request for service if the Vehicle cannot be reached due to snow, mud, sand or flood or where the Vehicle is not accessible or cannot be transported safely and legally using a standard transporter.
  14. Any request for service if the Vehicle is being used for commerce, commercial driving or tuition, hire or reward, (for example, taxis, self-drive hire or driving schools) delivery courier, or is over 3500kg GVM, or used in any sort of rally, speed testing, racing or any kind of competition or trial other than ‘Treasure Hunts’.
  15. Overloading of the Vehicle or carrying more passengers than it is designed to carry.
  16. Claims not notified prior to expenses being incurred.
  17. The charges of any other company (including police recovery) other than a Recovery Operator appointed by Call Assist or of car hire or accommodation charges except those authorised by Call Assist.
  18. Loss or damage to the Vehicle or its contents.
  19. Direct or indirect loss, damage or liability caused by, contributed to or arising from:-
    1. Ionising radiation or contamination by radioactivity from an irradiated nuclear fuel or from nuclear waste from the combustion of nuclear fuel.
    2. The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof.
    3. Any results of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power.
  20. Any false or fraudulent claims.
  21. Failure to comply with requests by Call Assist or the Recovery Operators concerning the assistance being provided.
  22. Fines and penalties imposed by the Police or Courts.
  23. Any charges where You, having contacted the Rescue Controller, effect recovery or repairs by other means.
  24. Ferry and Toll charges.
  25. Any claims relating to non standard, customised or modified Vehicles unless declared and agreed with Us prior to taking the insurance.
  26. Any service or insurance cover where remedial action has not taken place following a previous Breakdown.
  27. More than six callouts per policy per year.


  1. We will provide cover if;
    1. You have met all the terms and conditions within this insurance.
    2. The information provided to Us, as far as You are aware, is correct.
  2. The policy is not transferable to any other Vehicle.
  3. The driver of the Vehicle must remain with or nearby the Vehicle until help arrives.
  4. We will not be held liable for any costs incurred if You are unable to make a connection to the contact telephone number provided.
  5. We reserve the right to charge You for any costs incurred as a result of incorrect location details being provided.
  6. We may cancel the policy by sending 7 days notice to Your last registered address.
  7. Motorpoint Breakdown Cover is administered by Call Assist. Should You wish to contact them, please send Your correspondence to their head office:
    Motorpoint Breakdown Cover, c/o Call Assist,
    Axis Court, North Station Road, Colchester, Essex, CO1 1UX.


You may cancel the policy within 14 days of the start date without financial penalty provided no claim has been made. Thereafter both parties must give 14 days notice of cancellation. The policy has no surrender value and no premium paid will be refunded after 14 days of the start date.


Call Assist aim to provide a high standard of service. Please contact them if You feel they have not achieved this and they will do their best to rectify the problem immediately. If You are still not satisfied, please refer to the Customer Service/ Complaints procedure.


To help provide a superior service Your telephone calls may be recorded for training purposes.


Any enquiry or complaint regarding this policy should be addressed to:

The Managing Director, AutoProtect (MBI) Limited, Warwick House, Roydon Road, Harlow, CM19 5DY Telephone: 01279 456 500.

Should the matter still not be resolved to Your satisfaction You have the right to refer the matter to:

The Financial Ombudsman Service (FOS), Exchange Tower, London, E14 9SR

This procedure will not prejudice Your right to take legal proceedings. However please note that there are some instances where the FOS cannot consider a complaint. Please quote Your policy type and number in all correspondence.

Red Sands Insurance Company (Europe) Limited, who underwrite this insurance are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends upon the type of insurance and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information is available from the Financial Conduct Authority or the FSCS. The FSCS can be visited on the web at or by contacting the FSCS on 020 741 4100.


We and AutoProtect MBI Ltd are committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation (“Legislation”). This notice sets out the basis on which we will process any personal data that we collect from you, or that you provide to us. For the purposes of the Legislation, Red Sands Insurance Company (Europe) Limited will qualify as the Data Controller and AutoProtect MBI Ltd will qualify as the Data Processor in relation to any personal data you supply to us.

Below is a summary of the main ways in which we and AutoProtect MBI Ltd process your personal data, to see the full Privacy Policies please visit our websites at and

OUR PRIVACY PRINCIPLES: When we collect and use your personal information, it is kept no longer than is necessary, we ensure we look after it properly and use it in accordance with our privacy principles, we keep it safe and will never sell it.


ABOUT YOU: We may collect and process personal data that you provide directly to us by filling in forms, sending emails, over the phone or that we receive via third parties such as our partners.

HOW WE USE YOUR INFORMATION: For the purposes of providing insurance, handling claims, research or statistical purposes and any other related purposes. We will also use your data to safeguard against fraud, money laundering and to meet general legal or regulatory obligations.

DISCLOSURE OF YOUR PERSONAL DATA: We may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on our behalf, these include reinsurers, legal advisors, regulatory authorities and as may be required by law.

INTERNATIONAL TRANSFERS OF DATA: We may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely, and in accordance with our privacy notice and the Legislation.

YOUR RIGHTS: You have the right to see a copy of the personal information we hold about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to ask us to provide a copy of your data to any controller and to lodge a complaint with the local data protection authority.

Red Sands Insurance Company (Europe) Limited as Data Controller is responsible for your personal data and our full details (including registration and address details) can be found within your policy wording.

We have appointed AutoProtect MBI Ltd to act on our behalf in respect of all matters relating to the protection of your personal data and to oversee questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact AutoProtect MBI Ltd, Warwick House, Roydon Road, Harlow, Essex CM19 5DY.