Answer: Personal Cover is an add-on to our vehicle cover. It covers you, whatever vehicle you’re in.
Personal Cover is all about you. You don’t even have to be driving the vehicle in question - if it breaks down while you’re in it, you’re covered. Unlike our standard breakdown cover, which covers your own vehicle(s) if something goes wrong.
One member of your household can also be covered with Personal Cover, you'll just need to let us know their details. To add them, call us on 0345 246 2766.
Please note, Personal Cover can only be used for vehicles under 16-years-old that are privately registered, and being used, in the UK.
- Q1 What is Personal Cover?
-
Q2
With Personal Cover, am I covered in any vehicle, or do you need the details of the vehicle I'm in?
Answer: Personal Cover is an add-on to any of our vehicle cover products. It covers you in any vehicle, not just your own.
So, as your own vehicle will be covered as part of your policy, we’ll ask for details about that vehicle when you get your quote. But if you break down in somebody else’s vehicle, all we’ll ask for is proof of ID when we come to the rescue.
Personal Cover can only be used for vehicles under 16-years-old that are privately registered, and being used, in the UK. -
Q3
Can my partner/spouse/family member come under the same cover with me? How do I add their details?
Answer: With our single or multi-vehicle cover, the vehicle is covered, not the person. So, no matter who's driving, we'll come and help if that vehicle breaks down.
With Personal Cover, the policyholder is covered in any vehicle that's under 16 years old, privately registered and being used in the UK. You can get in touch with us to add one member of your household to your Personal Cover. -
Q4
What is family cover?
Answer: In addition to covering your vehicle, you and up to three other members of your household are covered when driving or travelling as a passenger in any vehicle in the UK.
-
Q5
How do I renew my Green Flag breakdown cover online?
Answer: You can speak to one of our Live Chat consultants who will be able to renew your policy for you and also make any changes you may require. Please check your policy documents as your policy may be automatically renewed after it expires. Alternatively you can call our customer services team on 0345 246 1558. They’re always glad to help you. For more information on renewing your policy visit our renewals page here.
-
Q6
Can I amend my breakdown cover details online?
Answer: You can use our online forms to change your telephone number. Alternatively, our Live Chat consultants can amend your vehicle information, update your address, or upgrade your level of cover. If you'd like to chat to us directly, just give us a call on 0345 246 1558.
-
Q7
Can I change my level of cover?
Answer: We know that your circumstances can change so you can upgrade your level of cover at any time. You can speak to one of our Live Chat consultants who will be able to make policy amendments including upgrading your level of cover. They will take you through your options to find the best level of cover to suit your needs. Alternatively, you can call us on 0345 246 1558 to talk to our team who be more than happy to help. If you want to reduce your level of cover you can do this at renewal.
-
Q8
What do I do if I want to pay for a policy that's not in my name?
Answer: We’re able to do this for you over the phone so please call us on 0345 246 1557.
-
Q9
Do I have to pay a cancellation fee if I change my mind?
Answer: It depends, if your policy number begins with GF-POL, you’ve paid an arrangement fee upfront so you won’t need to pay an administration fee for cancellation. If your policy begins with just GF, you may have to pay an administration fee for cancellation outside the 14-day cooling-off period. If you need any help, please look at your policy wording or give us a call.
-
Q10
Will the policy cover me when I am towing my caravan?
Answer: Yes, caravans are covered no matter what cover level you choose.
-
Q11
Do you cover caravans?
Answer: Your Green Flag Breakdown Cover includes cover for any caravan and trailer you’re towing up to a weight limit of 3.5 tonnes and size limits of 7 metres long, 3 metres high and 2.55 metres wide, so you can be sure that with Green Flag you’re fully covered. At Green Flag we have a massive range of recovery vehicles available and you can be confident that if we can't repair your vehicles at the roadside, we can get you, your car and your caravan or trailer moving again in no time.
-
Q12
Why do Recovery Plus/Rescue Plus/Rescue/Recovery costs differ between the website and my quote?
Answer: This happens because your actual quotes are based on your individual circumstances – the type and level of cover you choose - while the prices you see on the website are starting prices that at a minimum 10% of our customers will get.
-
Q13
Can I get cover from Green Flag and use it immediately?
Answer: With Green Flag, your breakdown cover will start either:
- The day after you’ve bought your cover
- On the start date you requested (whichever is later)
If you’ve already broken down, you can’t take out a policy and get our help for that specific breakdown. You’ll have to pay for a one-off callout. This is usually more expensive than already having breakdown cover in place. -
Q14
Can I pay monthly?
Answer: Yes you can subject to eligibility, over 18's only. We give you the choice of either a monthly direct debit from your bank account or a one-off payment with a debit or credit card.
-
Q15
Will I get a refund if I change my mind?
Answer: If you’ve not called us out, you may be entitled to a refund for the remaining time left on your policy. However, if your policy doesn’t begin with GF-POL, you may have to pay an administration fee to cancel your policy.
-
Q16
I am not a member and I've already broken down. Can I join on the website and call you straight out?
Answer: No. The cover can’t be purchased if you’ve already broken down. However, we can still help you if you require assistance. Simply call us on 0800 400 600.
-
Q17
Why do you need my vehicle's details?
Answer: At Green Flag we cover the vehicle, no matter who is driving. So, in order to give you an accurate price based on your individual circumstances we must have the vehicle’s details.
Green Flag covers the vehicle - what does that mean?
This means we cover your vehicle no matter who's driving it. So you can rest assured that no matter who’s driving, whether it's you, your mum, your son or your best friend, our experts cover them if it breaks down. -
Q18
How do I access my policy documents online?
Answer: If you said you wanted to go paperless when you bought your policy, our online platform is the only place you can see your policy documents.
To access your documents online or to register for paperless, click here.
Please note, if you just got your policy, it can take until the end of the next working day for your docs to be accessible online.
-
Q19
Can I buy just short-term cover if I'm travelling to Europe?
Answer: If you require Short Term European Cover please call us on 0800 400 638 or get a quote online.
-
Q20
Is there an age limit on the vehicles you cover in the UK?
Answer: There’s no age limit on vehicle cover within the UK. Personal cover applies to vehicles that are no more than 15 years old.
-
Q21
Do I get rewarded if I don't call Green Flag out?
Answer: You do indeed. If you don't call us out we'll reward you with a discount on your next renewal.
-
Q22
What is specialist equipment?
Answer: If you break down, you may need specialist equipment to repair or rescue your vehicle. Say you've broken down in some mud or you're stuck in a covered car park, you may need special equipment to be pulled out. This is included with most Green Flag policies.
-
Q23
Do I have to pay for call-outs?
Answer: If you’re a Green Flag customer we won’t charge you for call-outs.
-
Q24
What should I do if I break down?
Answer: First and most importantly, make sure you’re in a safe location. Check our article on how best to deal with a breakdown on different types of road.
Then, if you've linked your policy to the Green Flag app, you can use that to get our help as quickly as possible.
Or, you can give us a call.
For UK breakdowns, call 0800 400 600.
For European breakdowns, call +44 141 349 0516.
Please note, our app is not available for Excess and Fleet policies, or for vehicles registered in the Isle of Man. -
Q25
Will my policy automatically renew each year?
Answer: You agree to accept that the policy will be automatically renewed each year on the payment details you provided upon purchasing. This is the simplest way to ensure you’re always covered for total peace of mind. Otherwise, just let us know if you would not like automatic renewal. For more information on renewing your policy visit our Renewals page here.
-
Q26
Do I get always get unlimited call outs?
Answer: Unlike other breakdown cover providers we don’t place any limits on the number of times you can call us out so you can be reassured we’ll always be there for you.
-
Q27
What if I have an accident, am I still covered?
Answer: We’re happy to repair or recover your vehicle after an accident but you’ll need to pay for the service. You should then approach your motor insurer to cover your costs.
-
Q28
How can I make a complaint?
Answer: We want to provide the highest standard of service to our customers. So if you need to complain, we will do everything possible to ensure your complaint is dealt with quickly and fairly. For more information see the Green Flag complaints procedure.
-
Q29
How will you decide whether or not to repair my vehicle at the roadside?
Answer: We’ll do everything we possibly can to get your vehicle fixed to enable you to get to your destination. If we can't get you going the help we can offer depends on your level of cover.
With our basic level of cover, we’ll take you to a destination of your choice provided it is within 10 miles where you broke down, or a repairer of our choice any distance away. -
Q30
Do you prioritise or make special arrangements for vulnerable customers (elderly drivers, lone women, children in the vehicle)?
Answer: We’ll always prioritise a customer in a vulnerable situation.
For example, someone with children on a motorway hard shoulder may get priority over someone who’s safe at home. But rest assured, we look to get to every customer as quickly as possible.
If you’ve broken down on a motorway, please read the advice in this article to make sure you’re safe.
If you’ve broken down, head to our Contact Us page to let us know. -
Q31
What happens if my car needs repairing at a garage and the garage is closed?
Answer: If the chosen repairer is closed and you choose to have the vehicle taken to your home, we’ll collect it the next day (or whenever is convenient for you) and take it to the chosen repairer, all as part of our service.
-
Q32
Am I covered if I run out of fuel?
Answer: Yes, we’ll come rescue you and top your vehicle up. You’ll need to pay for the cost of the additional fuel. This will get you going to the next available petrol station.
-
Q33
What happens if I break down at home?
Answer: Call us a call on our breakdown number - 0800 400 600 - to talk to one our representatives. One of our technicians can be sent out right away or you can book an appointment at a later time and date to suit you.
-
Q34
What should I do if I break down on the motorway?
Answer:
If you can’t leave your vehicle or if you’re in a lane with live traffic:
Turn on your hazard lights (and sidelights if visibility is poor) and make sure everyone has their seatbelt on. Call 999 immediately.
If you can get to the hard shoulder or an emergency area:
- Turn on your hazard lights (and your sidelights if visibility is poor).
- Get everyone out of the vehicle through the left doors and move far away from the road. If possible, get behind a safety barrier.
-
Call your local highways agency to let them know that you’ve broken down on a motorway. If possible, use your nearest emergency phone. Or, call the following number on your mobile:
- If you’re driving in England, call National Highways on 0300 123 5000.
- If you’re driving in Scotland, call Traffic Scotland on 0800 028 1414.
- If you’re driving in Wales, call Traffic Wales on 0300 123 1213.
- If you’re driving in Northern Ireland, call the police on 999.
- Give us a call or get help using the Green Flag app.
Please note, our app is not available for Excess or Fleet policies, or for vehicles registered in the Isle of Man.
For more information, please read our article on how best to deal with a breakdown.
-
Q35
What does Green Flag breakdown cover include?
Answer: With Green Flag’s UK breakdown cover, you’ll be able to choose from a range of different cover levels with a variety of features. These can include:
- 24/7 roadside assistance. We’ll come to your rescue any time. If we can’t fix your vehicle at the roadside, we’ll recover you to the nearest garage.
- Vehicle collection. If the garage is closed and we take you home, we’ll pick your vehicle up the next day (or whenever is best for you) and take it to the garage.
- National recovery. If your vehicle can't be fixed at the roadside or at a local garage, we’ll take your vehicle, and any passengers to a single UK destination you choose.
- Unlimited callouts. You can call us out as many times as you need at no extra charge, as long as it’s not for the same problem.
- Cover at home. We’ll come to the rescue if you break down at your home, or within ¼ mile from it.
- Onward travel. This gives you options if your vehicle can’t be fixed on the day it breaks down. We’ll help arrange either a hire car, alternative transport, or overnight accommodation.
- Personal cover. If you break down in any privately registered vehicle that’s under 16 years old, we’ll come to your rescue. You’re even covered as a passenger, not just when you’re driving.
Whatever you’re looking for, we’ve got you covered. Find out more about what we offer here. -
Q36
What counts as a breakdown to Green Flag?
Answer: A breakdown is a situation where you can’t drive your vehicle due to:
- Mechanical failure
- Electrical failure
- Fire
- Theft or attempted theft
- Malicious damage
- Flat tyres
- Running out of fuel
- A flat battery
- Losing or breaking your vehicle keys
- Getting stuck in water, snow, sand or mud
- Something happens to your vehicle that makes it unsafe to drive (like faulty wipers in the rain or headlights at night).
-
Q37
Can Green Flag help if I don’t have a policy?
Answer: Yes, you can contact Green Flag even if you don’t have a policy. Get in touch, let us know what’s happened, and we’ll come and help you.
If you’ve already broken down, you can’t take out a policy and get our help for that specific breakdown. You’ll have to pay for a one-off callout. This is usually more expensive than already having breakdown cover in place. So if you haven’t got cover, find out more about what we offer here.
We can even help if you have an iPhone and break down where there’s no mobile signal, thanks to our Roadside Assistance via satellite. You’ll need an iPhone 14 or later (any model) with iOS 17 or later. -
Q38
Is roadside assistance the same as breakdown cover?
Answer: Breakdown cover is an umbrella term that can include a wide variety of cover features.
Roadside assistance is one part of breakdown cover. A very important part. With our roadside assistance (included on all our levels of cover), if you break down over ¼ mile from your home, we'll come out to help you 24 hours a day, all year round.
With Green Flag, roadside assistance is included as standard on all our cover levels. You can choose to add other features to your breakdown cover like cover at home, national recovery, and personal cover. -
Q39
How long is Green Flag’s wait time?
Answer: On average, Green Flag gets to breakdowns in under an hour (based on average call out times in 2025). The quickest way to get our help is to use the free Green Flag app.
-
Q40
Can you contact Green Flag for a flat tyre?
Answer: With Green Flag, we’ll be there to help if you have a flat or damaged tyre.
Get in touch using our app or over the phone, and one of our technicians will aim to repair or replace your tyre. If we can’t fix the issue at the roadside, we’ll take you somewhere nearby to get it repaired or replaced. -
Q41
Does Green Flag cover the vehicle or the person?
Answer: Green Flag provides vehicle breakdown cover, and you can choose to add Personal cover to your policy.
With vehicle cover, if your vehicle ever breaks down, we’ll be there to help. It’s even covered when you’re not in it. So, if you mainly use your own vehicle(s), this might be the best option for you. You can also get multi-car cover.
Personal cover means you’ll be covered in any privately owned vehicle you’re in. It doesn’t matter if you’re driving or just a passenger, if a vehicle you’re in breaks down, we’ll come and help. It’s a good option for anyone that regularly drives or uses different vehicles.
With Green Flag’s personal cover, you’ll get vehicle cover for one vehicle as well. Personal cover is only for vehicles under 16 years old and privately registered in the UK.
You can find out more about our Personal cover here. -
Q42
Will Green Flag replace a car battery?
Answer: Green Flag can help with a flat or dead car battery. This is standard across all our cover levels.
We’ll aim to get your battery back up-and-running at the roadside, and many of our technicians have replacement batteries with them. Please note, there will be an additional cost if you need a replacement battery.
If your battery can’t be fixed, jump-started, or replaced at the roadside, we’ll get you to a garage. -
Q43
Is Green Flag good value for money?
Answer: At Green Flag, our aim is to make sure our breakdown cover is good value for money. There are a few ways we do this.
The quote you get is personalised to you, based on your details, your vehicle, and the cover features you choose.
We use a combination of expert, local technicians and our own dedicated Green Flag patrols, helping us keep our operations as efficient as possible.
We can halve the price of your renewal quote from The AA or RAC, if you choose our most similar UK vehicle cover online. Offer ends 30/09/25. Find out more here
To see how much our cover would cost for you, get a quote here.