Whether you're a solo roadside technician or operate a fleet of recovery trucks, protecting your vehicles, your customers’ vehicles, and your business operations is essential. Our Breakdown Operator / Recovery Truck Insurance is designed specifically for the risks faced by roadside assistance and vehicle recovery businesses. From attending breakdowns and accident scenes to transporting vehicles to workshops or customer addresses, this policy provides comprehensive protection every step of the way.

Understanding Breakdown Operator Insurance
Who Can Drive Vehicles Under Your Policy?
To ensure coverage remains valid and vehicles are handled safely, it’s important to designate qualified and responsible drivers. Common driver eligibility includes:
- Licence Duration: Must have held a full UK driving licence (or equivalent) for at least 2 years.
- Age: Drivers over 21 can be considered, though insurers often offer more competitive rates for those aged 25 and above.
- Experience: Additional preference may be given to drivers with prior recovery or commercial driving experience.

What Are The Cover Options?
Comprehensive
Covers damage to recovery vehicles and third-party property, as well as customer vehicles while loaded or in transit.
Third-Party, Fire and Theft
Covers liability to third parties and protects your vehicle in cases of theft or fire.
Third-Party Only
Meets legal requirements for liability coverage when using the vehicle on public roads.
Covering All Types of Recovery Vehicles and Jobs
We understand recovery work involves a wide variety of situations and vehicles. Our insurance covers a broad range of operations, including:
- Flatbeds and Tilt-and-Slide Trucks
- Spec Lifts and Wheel-Lift Recovery Vehicles
- Winch-Equipped Units
- 4x4 Recovery and Roadside Assistance Vehicles
- Transport of cars, vans, and light commercial vehicles
- Recovery from roadside, home addresses, or accident scenes
Indemnity Levels and Weight Limits
With contract requirements becoming more demanding, most recovery contracts now require a minimum indemnity level of £50,000. Our policies are structured to meet these expectations, ensuring you're contract-compliant from day one.
We can provide cover for:
- Recovery vehicles up to 7.5T GVW through general market offerings
- Heavy recovery operations up to 44T GVW via specialist schemes for large-scale breakdown operators
Whether you’re towing standard cars or recovering HGVs from motorways, we can tailor your insurance accordingly.
Complete Protection for Your Business
In addition to road risk and vehicle cover, we offer a suite of optional policies to give your business total peace of mind:
- Motor Trade Liability Insurance: Covers injuries or damage arising during recovery or on your premises..
- Vehicles in Transit Insurance: Protects customer vehicles while being transported, including loading/unloading incidents.
- Tools and Equipment Insurance: Covers essential recovery gear like winches, ramps, and jump-start kits against theft and damage.
- Public Liability and Employer's Liability: Ensure you're covered if a member of the public or your staff is injured during recovery operations.

Fast, Tailored, and Complete Insurance
Quick Contact
Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.
Tailored Insurance Review
Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.
Finalise Your Cover
Explore your options and select the policy that best matches your requirements and budget.

Independent Insurance Broker

UK Based Support

Tailored Quotes

FCA Regulated & Trusted














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Simply fill in the form today and a member of our team will be in touch.
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
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“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
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