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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.

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Road Risk

Understanding Breakdown Operator Insurance

Breakdown Operator Insurance is tailored for businesses involved in vehicle recovery, towing, and roadside assistance. A central component of this policy is road risk cover, which protects both your own recovery vehicles and those in your care, custody, and control during transport. Whether you're operating flatbeds, tilt-and-slide trucks, or spec lifts, we ensure you're covered while navigating to and from job sites, handling accident recovery, or moving non-running vehicles to designated destinations.

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.
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What Are The Cover Options?

We offer flexible Named Driver Road Risk Insurance policies to suit the specific activities of breakdown and recovery operators. Coverage levels include:

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
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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.
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Road Risk Insurance
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We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

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Testimonials

What Our Clients Say

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“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!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“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 .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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