Can I Cancel Car Breakdown Cover? How to End Your Policy

If you decide that you no longer need your breakdown policy, for whatever reason, you should be able to cancel your cover with most providers unless you’ve entered into a contract that states otherwise. Some breakdown policies may charge a cancellation fees, whereas others may even refund you for the amount of the policy that hasn’t been used. Before purchasing a breakdown policy, it is important to make yourself aware of the rules surrounding cancellation.

Our guide will explore the possibility of refunding a breakdown policy, some common reasons for cancelling a policy, and if there are any penalties associated with cancelling breakdown cover. We will also discuss any elements that could prevent someone from cancelling their breakdown policy, and we will also answer some common queries amongst motorists.

Is it Possible to Get a Refund on a Car Breakdown Policy?

Yes, it is possible to get a refund when you cancel your breakdown policy, depending on the provider you are with. At ALA, we offer a full refund within the first 14 days of the policy being created, no matter whether this is a new policy or the renewal of an existing policy. After these 14 days, no refund will be given if you decide to cancel.

You can cancel your policy by sending written notice and the policy documents to the administrators, or you can get in touch with us here.

What Are Some Common Reasons for Cancelling a Breakdown Policy?

Some common reasons for cancelling a breakdown policy include:

• Price hikes and “loyalty penalty”: often identified as the most common reason for cancellation, some people notice their renewal has jumped massively versus last year, even though new-customer prices for the same cover are much lower.
• Auto-renewal frustration: some policies are set to auto-renew by default, with customers saying they didn’t realise or didn’t see the notice in time. When the auto-renewal goes through, people try to cancel, and can often be met with admin/cancellation fees or long call wait times, which makes them more likely to ditch the brand entirely. At ALA, we don’t auto-renew your breakdown cover, but we will send you a reminder when it’s nearly up.
• Poor service when a breakdown occurs: when people do need help and it goes badly, this could spur drivers on to cancel their contracts. Long waits, recovery vehicles not turning up, being refused assisted due to unknown exclusions and extra fees are all reasons people could cancel. It is essential that you make yourself aware of the breakdown cover you are signing up for before purchasing.
• Overlapping cover: New cars and financed cars often come with 12 months of manufacturer or dealer breakdown cover, so people cancel their standalone policy to avoid double-paying. If you get a new car that doesn’t come with breakdown cover, you don’t need to cancel your policy; you can simply inform us that your vehicle has changed, and we can change your policy.
• Change of circumstances: people often cancel their policies due to them no longer driving, selling their car, or even in cases of bereavement where loved ones cancel the policy on behalf of someone who has passed away.

Is There a Penalty for Cancelling a Car Breakdown Policy?

There isn’t necessarily a “penalty” when cancelling a breakdown cover policy, but you may have to pay a cancellation fee.

At ALA, we don’t charge you for cancelling your policy with us, but you won’t receive a refund after the 14-day period.

We ensure we are completely transparent with our terms, and provide an easy-to-use quoting process so you know exactly what you’re paying for. You can get your bespoke breakdown cover quote here.

Is There Anything Preventing Me from Cancelling My Breakdown Policy?

Factors that may prevent you from cancelling your breakdown policy include:

• Cancellation fees: fees associated with cancelling a breakdown policy shouldn’t be too expensive, but some may find it makes it harder to cancel.
• Contractual terms: some providers may tie you into a contract which you cannot get out of until a certain time — at ALA, you can cancel at any time.
• Automatic renewal: if you have automatic renewal turned on, you may need to contact your provider directly to opt out.
• Using the service: if you have broken down and used your cover during the policy period, you may still need to pay for the service.

No matter your circumstances, you can cancel your policy any time here at ALA.

Frequently Asked Questions

Can I Cancel My Breakdown Cover at Any Time?

Yes, with ALA, you can cancel at any time, but you should check with your provider beforehand.

How Do I Start the Process of Cancelling My Breakdown Cover?

Contact your provider directly by phone, email or online form to cancel your breakdown policy. You can sometimes simply cancel your policy online as long as you give your reasons.

Is It Possible to Cancel Breakdown Cover Online?

For some providers, you can simply inform them on their website that you wish to cancel your policy. With others, you may need to get in touch another way, such as calling their customer service.

Can I Get a Refund on My Breakdown Policy if I Cancel?

Some providers offer pro-rata refunds, but some may not. It is worth checking your policy documents to find out more about their cancellation policy.

Are There Any Rights that Protect Me When Cancelling Breakdown Cover?

Under UK consumer law, you usually have a 14-day cooling-off period from the policy start date, during which you may be able to cancel for a full or partial refund.

Do I Need to Give a Reason for Cancelling my Breakdown Policy?

No, providers typically don’t require a reason, though they may ask for feedback to improve their service.

How Long Does It Take to Cancel Breakdown Cover?

Cancellation is often processed within a few days, but exact timings vary by provider. Refunds, if due, may take longer to reach your account.

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