Nova Direct Breakdown Cover

Nova Direct Breakdown Cover logo
  • Nationwide recovery network and 24/7 call centre
  • Cover for vehicles up to 15 years old with up to 6 callouts a year
  • FCA regulated insurance product backed by the Financial Services Compensation Scheme (FSCS)
Visit Website Browse Nova Direct Breakdown Cover FAQs

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Last updated on 30 November 2020.

Nova Direct Breakdown FAQ

Who are Nova Direct?

Nova Direct is a trading name of Policy Excess Insure Ltd, which is registered in London and regulated by the Financial Conduct Authority. It offers several different types of insurance cover, including gadget insurance, home emergency and breakdown cover.

What is Nova Direct breakdown cover?

Nova Direct offers a range of different breakdown cover to suit customers budget and requirements. Below the Bronze, Silver and Gold plans can be compared.

What levels of breakdown cover does Nova Direct offer?

Nova Direct offers four levels of breakdown cover, most of which can be bought with or without call-out excess fees:

  • Basic: This includes roadside assistance and local recovery only. There are also limits to the number of times you can call out the service and excess is payable.
  • Bronze: This level of service costs a little more and includes the above, as well as national recovery.
  • Silver: Silver cover is for people that want all the above basic levels of recovery as well as home assistance, which means the recovery engineer will come to you even if you have broken down at home. This level of cover also covers the cost of overnight accommodation and alternative travel if it is necessary.
  • Gold: This is the most comprehensive level of cover and incudes all the above alongside breakdown recovery when you are driving in Europe.

What vehicles are coverable by Nova Direct breakdown insurance?

Cars, motorbikes and vans can be covered by a Nova Direct breakdown policy, although there will be limits to factors like the weight and age of the vehicles included on the policy.

Does Nova Direct offer personal breakdown cover and vehicle breakdown cover?

No, Nova Direct offer vehicle breakdown cover, which means that the vehicle that you have registered with Nova Direct can be recovered when it breaks down regardless of who is driving it.

If you need to change the vehicle details with Nova Direct you can do so by paying a small fee and contacting the customer service team.

How much does Nova Direct breakdown cover cost?

The cost of the breakdown cover will depend on the package cover and add-ons that you choose, and if you are a new, or renewal customer. Click through below to compare Nova Direct breakdown cover to see the latest pricing.

Is there excess to pay when I make a claim on my Nova Direct breakdown over?

It is up to your whether you opt to pay a slightly reduced premium for a policy that will require you to pay a £30 excess each time you call out the recovery engineers, or whether you pay a little more and remove the excess. To decide which option is best for you, consider how often you are likely to use the service.

Can I keep calling out recovery engineers through my Nova Direct policy for the same problem?

There are limits on the number of times you can call for recovery for the same issue within a 28-day timeframe.

How long after taking out the cover can I call out for a breakdown?

You are unable to call out the breakdown recovery service within the first 72 hours after taking out the cover. This is to prevent people taking out cover for existing problems or for cars that have already broken down, for example.

Where can I get reviews of Nova Direct breakdown cover?

To access impartial customer reviews of Nova Direct breakdown cover you can visit Trustpilot or other review sites.

How do I compare Nova Direct?

To compare Nova Direct breakdown against our other breakdown providers, visit our breakdown cover comparison page.

Where can I get discount codes for Nova Direct?

You can view discount codes where relevant below in our product comparison table.

Services offered by this provider may change over time. Always check Ts&Cs.