Guide to Getting a Refund for Breakdown Cover

Key Information to Prepare:

• Policy number
• Car registration details
• Proof of death

Identify the Type of Breakdown Cover

Understanding the type of cover is crucial when claiming a refund for breakdown cover after a death.

• Personal Breakdown Cover (covers the individual, not the car)
  • It ends upon the policyholder’s death.
  • It cannot be transferred but may be eligible for a refund.
• Vehicle-Based Breakdown Cover (covers the car, not the individual)
  • Remains linked to the vehicle and may still be valid.
  • The provider must be informed if the car is transferred to a family member.
  • Some providers allow a name change instead of cancellation.

Check the policy documents to confirm the type of cover.

Step 2: Contact the Breakdown Cover Provider

The executor or next of kin should notify the provider immediately. Most providers require documentation, such as a death certificate.

UK Breakdown Providers Contact Information:

Step 3: Can the Policy Be Transferred?

Whether a breakdown cover policy can be transferred depends on its type.

• If the breakdown cover is vehicle-based:
  • The new car owner may be able to take over the policy.
  • Some providers allow a simple name change instead of cancellation.
• If the breakdown cover is personal-based:
  • The policy cannot be transferred and must be cancelled.
  • A refund may be available if the policy was prepaid.

Always check with the provider before cancelling.

Step 4: Can You Get a Refund for Breakdown Cover?

Most providers offer partial refunds for unused months, though policies vary.

Refunds Are Typically Available If:

• The policy was paid annually and has unused months remaining.
• No claims were made during the policy period.

Refund for breakdown cover may not be available If:

• The policy was paid monthly (monthly plans are usually non-refundable).
• A claim was made during the policy period.
• Early cancellation fees apply.

Some providers deduct an administration fee from refunds, so review the terms carefully.

Step 5: Cancelling Breakdown Cover from Banks or Insurers

Breakdown cover is often included in packaged accounts with banks or insurance providers. If this applies:

• Contact the bank to close the account or remove the service.
• Check if the cover can be transferred to a surviving spouse.

If the cover is part of a car insurance policy, ask if a name change or refund is possible.

FAQs About Breakdown Cover After Death

If you plan to sell the vehicle, the next step is to obtain an official written valuation and check for any outstanding finance. You can find assistance with this here.