NARPO Breakdown Cover – Police Mutual

Keeping NARPO members and their families on the road

Reassurance for the road ahead, from £61.60 per year

If you break down in the UK, you’ll get back on the road fast with over 400 recovery specialists in the UK on hand, 365 days a year*
Exclusive rates for NARPO members
Going abroad? Be a worry-free wanderer with European cover available
Cover for your car, regardless of who’s driving it, if it breaks down

What’s included

Free UK-based helpline for emergencies
Fast roadside assistance, providing up to 1 hour of labour costs at the roadside to try and repair the fault
Free cover for your caravan or trailer when attached to an insured vehicle
Recovery to the nearest available repairer if your car can’t be repaired at the scene
Misfuelling cover
If you take out European cover, we will return you and your vehicle to UK
Home assistance – If the insured vehicle breaks down within a ¼ mile of the home address, we will: provide up to 1 hour of labour costs at the roadside to try and repair the fault or, If we can’t repair it, we will take the insured vehicle & you to the nearest available repairer.

What’s not included

Any costs (including labour) incurred for any repairs carried out other than at the breakdown
Any mechanical damage caused by filling your car with the wrong fuel
Cover for caravans over 7 metres long
Replacing or re-programming lost keys
Any claim within the first 24 hours after the policy start date. This does not apply to any renewing policies.

For more information, please refer to the NARPO Breakdown documents below.

Peace of mind from less than £53 per year

UK cover for cars less than 10 years old – one-off payment of £52.29 per year
UK cover for cars more than 10 years old – one-off payment of £63.91 per year
European cover for cars up to 10 years old – one-off payment £69.73 per year
European cover for cars more than 10 years old – one-off payment of £81.35 per year
All of the above options are available to UK residents

What’s included is based on the basic level of cover which is Roadside cover. Additional cover is available, for more information please see the policy documents where you can also see any exclusions and terms & conditions.

Apply for NARPO Breakdown Cover

The (not so) small print

*Information provided by ERS, November 2022.

Police Mutual Rescue is provided by ERS (Syndicate 218 at Lloyds), and is arranged and administered by PMGI Limited trading as Police Mutual. For more details, please see our legal page.

NARPO Breakdown documents

It’s important you understand all of the Key Information for Breakdown Cover. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

24-hour Rescue Control Centre

If you break down in the UK, call: 0800 731 4590 or 01277 235 790.

If you break down in Europe, call +44 1277 235 790.

If you’re deaf, hard of hearing or speech impaired and require assistance, text your full name and registration number to +44 (0) 7537 404890

Need Breakdown Cover?

Please call 0151 242 7645. Mon – Fri, 9am – 5pm. Alternatively, Send us a message

Your NARPO Breakdown questions answered

Am I eligible for NARPO Breakdown cover?

Any retired members of the Police Service who are NARPO members can apply for breakdown cover.

Your family is welcome too. Partners and your wider family including parents, brothers and sisters, children, grandchildren and in-laws are eligible for cover.

NARPO Breakdown cover is available to UK residents.

How quickly will someone get to me if I break down?

The aim is to attend the scene of a motor breakdown as quickly as possible. There may be times where delays arise due to external factors beyond control i.e. the weather or roadworks. During these times your patience is appreciated.

Will you contact my friends or relatives?

So that they don’t worry, a call will be made to a person of your choice to let them know you’re OK.

Am I covered if I run out of fuel?

You’re covered if you run out of fuel. The recovery specialist will take your vehicle to the nearest garage/filling station to refuel the vehicle, if none available on the recovery vehicle. You will need to pay for any fuel.

Can I get help if I only have a flat tyre?

Yes, although you should always carry a spare tyre. If you’re towing a caravan or trailer, remember to carry a spare tyre for that as well.

If I’m towing a caravan or trailer, is that covered?

Yes. If your car is towing a trailer or caravan, that’s covered as long as it’s attached to the car by a standard 50-millimetre (2 inch) towing coupling. Caravans and trailers are restricted to a maximum length of 7 metres.

What happens if my car can’t be repaired at the roadside?

We will cover the following if the insured vehicle cannot be repaired at the scene of the breakdown or at the nearest available repairer by the end of the working day:

taking the insured vehicle and you to any one place within the UK that you choose, or if you are more than 50 miles from the home address:
- vehicle hire up to £250 so that you can complete your journey and return to collect the insured vehicle after repair, or
- alternative means of public transport up to £150 so that you can complete your journey and return to collect the insured vehicle after repair, or
- overnight accommodation (on a room only basis) for 1 night, up to £75 per person to a total of £500, near where the insured vehicle is being repaired

Am I covered immediately when I purchase cover?

Cover will be valid from midnight on the day that the Breakdown Cover is purchased. Break downs within the initial 24 hours of cover commencing will not be covered. This does not apply to policies at renewal.

Which countries are covered in Europe?

Any country which is a member of the European Union, Andorra, Iceland, Norway, Serbia or Switzerland (including Liechtenstein).

What happens if someone else drives my car?

Providing they are driving with your permission, your car is covered whoever is driving it. The cover only applies to the car named in the schedule.

How can I pay for my Breakdown Cover?

You can pay for your Breakdown Cover in one annual payment by either Direct Debit, debit card or credit card.

What if I change my mind?

If you decide that this insurance does not meet your needs, you may cancel it, without giving a reason, by contacting us within 14 days from the purchase of this policy and declare your requirement to cancel.

Your premium will be returned to you, unless a claim(s) has been made on the policy within the period of insurance.

The 14-day period applies to new policies and the renewing of existing policies.

What happens if I replace my car during the period of cover?

Please tell us as soon as possible, either in writing or by phone, about any change of car including details of the registration number, registration date, make and model. Phone: 0151 242 7640 – (Mon – Fri 9am – 5pm)

Is this policy automatically renewed?

We’ll contact you nearer the time to discuss your renewal.

Who provides the Breakdown Cover?

Our Breakdown Cover is provided by ERS (Syndicate 218 at Lloyd’s) which is managed by ERS Syndicate Management Limited.

Do I pay for parts?

The policyholder is responsible for the cost of any parts or fuel etc. which should be paid to the repairer.

Am I covered anywhere in the UK?

You’re covered anywhere within mainland England, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands, the Scottish Isles, Anglesey and islands off Northern Ireland.

Who do I speak to if I have a question about Breakdown Cover?

You can call us on 0151 242 7640 for further information.