Comfort Insurance Motorhome Breakdown Cover Review

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Comfort Insurance has been arranging cover for motorhomes and campervans for more than thirty years, and it has stayed at it long enough to build a reputation the big direct insurers have never bothered to compete for. The business trades from Comfort House on Goresbrook Road in Dagenham, its flagship Horizon motorhome and campervan policy is underwritten by Aviva, and that policy took a Defaqto 5 Star rating in March 2025. The firm has been voted Insurance Provider of the Year by What Motorhome magazine on twelve occasions, and says it paid 98.3% of claims in 2025.

The breakdown cover reviewed here is the add-on that sits alongside that policy. It starts at £96 a year, it carries UK and European assistance in the same package rather than selling Europe separately, and it allows up to six separate breakdowns in a twelve-month period. Roadside repair, recovery, help at the house and a misfuelling service are all in the standard product, and there is a single UK number for callouts on 0330 303 1192, with +44 1206 812 868 for anything that happens abroad.

One thing to know before you get as far as a quote, because it decides whether this page is any use to you at all: Comfort will not sell this cover on its own. Its wording is blunt about it — breakdown is only available "if it is added to your Comfort Insurance motorhome or campervan policy at the time you purchase or renewal and cannot be bought as a stand-alone policy". If your motorhome is insured somewhere else, you cannot buy the assistance here, and if you skip it at renewal you are waiting until the next one.

Six callouts, one hour of labour and a £300 ceiling

The published wording splits the product into two halves. Sub-section A is the United Kingdom, the Isle of Man and the Channel Islands. Sub-section B is Europe. Both run off the same premium, which is unusual — most breakdown sellers price the Channel crossing as an extra.

In the UK half you get up to one hour's labour at the roadside, and if the vehicle cannot be fixed in that hour it is recovered to a single destination of your choosing. Where the breakdown leaves you stranded overnight, hotel costs are met at up to £50 per person per night. The overall ceiling on a UK breakdown is £300, and that £300 is the number to hold on to: it is not the cost of the tow truck, which the assistance company arranges directly, but everything else — beds, onward travel, the taxi to the hotel — comes out of it.

Europe is treated far more generously. The overall limit there is £5,000 for any one breakdown, hotel costs run to £500 rather than £300, and there is up to £750 towards hiring a replacement vehicle while yours is being repaired. Misfuelling carries its own £5,000 limit, and the agent removes the wrong fuel, moves the vehicle if needed and disposes of what came out. Comfort puts the scale of that problem at over 150,000 UK motorists a year, which is its own figure rather than an official one, but the service is genuinely useful in a vehicle with a 90-litre tank and a filler cap that sits at chest height.

Six breakdowns in twelve months sounds generous until you meet an older base vehicle with a temperamental starter. It is a real cap, and the seventh callout in a bad year is yours to pay for.

Dagenham, Bristol and Colchester: three firms behind one phone call

Three separate companies stand behind a single callout, and each does something different.

Comfort itself is Victor Millwell Insurance Agency Ltd, authorised and regulated by the Financial Conduct Authority under firm reference number 300281 — a number you can check on the FCA Register. It is the broker: it arranges the cover, holds the premium and administers the policy from Comfort House, 8 Goresbrook Road, Dagenham RM9 6UR. Its terms of business confirm it advises on the sale rather than simply presenting options, and that premiums are held either in an insurance broking bank account or under risk transfer from the insurer.

The risk itself sat with DAS Legal Expenses Insurance Company Limited, registered in England as company number 103274 at DAS House, Quay Side, Temple Back, Bristol BS1 6NH. That name has since moved. ARAG Group completed its purchase of DAS UK from ERGO Versicherung AG on 16 January 2024, in a deal covering roughly £190 million of gross written premium and around 800 employees as at 2022, and the two businesses now trade under the ARAG name — ARAG plc holds FRN 452369 and ARAG Legal Expenses Insurance Company Limited holds FRN 202106. Comfort's own breakdown page has kept pace, and now refers to "our breakdown partners ARAG and Call Assist".

Call Assist Ltd is the operational half: company number 03668383, based at Axis Court, North Station Road, Colchester CO1 1UX, running what it describes as around 426 recovery operators across the UK and the Republic of Ireland with a separate network covering the rest of Europe. It is the firm that decides which local recovery operator gets sent to a layby on the A30, and it maintains dedicated networks for vehicles that a standard flatbed cannot handle.

For completeness: the insurance policy this cover attaches to is a different arrangement again. The Horizon motorhome and campervan policy is underwritten by Aviva, a relationship Comfort traces back to the mid-1990s when the insurer was still Norwich Union and Comfort was designing its first motorhome scheme.

Crossing the Channel on the same certificate

European assistance being standard rather than optional is the strongest single argument for buying this add-on at the same time as the policy. The territory listed in the wording runs well beyond the obvious: the European Union plus Albania, Andorra, Bosnia Herzegovina, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey west of the Bosphorus.

That matters because the underlying Comfort motorhome policy carries a 365-day Green Card, so the insurance itself does not run out at ninety days the way a mainstream car policy's foreign-use clause does. A driver who takes six months in Portugal over the winter has insurance for the whole trip and assistance for the whole trip, from one broker, on one renewal date. Very little else in the motorhome market is arranged that way.

The limits abroad are the ones set out earlier — £5,000 overall, £500 of hotel, £750 of vehicle hire — and they are pitched at getting you home rather than at replacing the holiday. Ferry crossings are specifically excluded from the UK sub-section, so a breakdown on the boat itself is not what this covers.

Two smaller conditions are worth writing on the back of the certificate. Claims arising in the first 48 hours after the cover is taken out are excluded, unless it was bought at the same time as another insurance policy — which, given the add-on-only rule, will normally be the case here. And recovery is not available at all if the vehicle can be repaired at the scene within an hour; the assistance provider makes that call, not the driver.

The charges that sit outside the premium

Comfort publishes its fee schedule openly in its terms of business, which is more than a good many brokers manage, and the numbers are middling rather than punitive for a specialist.

New business or renewal carries a £35 charge. A mid-term change — a new address, a change of driver, adding a partner after a wedding — is another £35. Cancelling inside the 14-day cooling-off period costs £40; cancelling after it costs £45. A failed direct debit adds £20. Those sit on top of the insurer's premium and on top of any commission Comfort earns from the insurer, which the same document confirms it does.

The breakdown section itself carries the standard 14-day cooling-off right, with a full refund if nothing has been claimed, and can be cancelled later on 14 days' notice with a possible partial refund. The insurer holds the mirror-image right and can cancel on 14 days' notice too.

Should the firm fail, the Financial Services Compensation Scheme covers 90% of a claim with no upper limit for general insurance arranged this way, rising to 100% for compulsory motor insurance. That distinction catches people out: the motor third-party element of the policy is protected in full, the breakdown add-on is protected at 90%.

Twelve metres, 2.55 wide, and a sales page that says otherwise

Comfort's breakdown page states, in terms, that there are "no limits on the length or weight of your vehicle". The policy wording it links to says something different. The cover applies to a vehicle registered with the DVLA as a motorhome, motor caravan, campervan or van with side windows, and it excludes vehicles exceeding 12 metres in length or 2.55 metres in width. A towed caravan or trailer cannot exceed 7.6 metres, or 25 feet.

In practice, 12 metres clears almost everything on a British driveway — a large A-class is typically 8 to 9 metres, and 2.55 metres is the maximum width permitted for a vehicle on the road in any case. So the exclusion will rarely bite. But it is not nothing, and it is not what the page says. An American RV, a converted coach, or a long motorhome towing a car trailer over 25 feet is outside the wording while the sales page implies otherwise, and the wording is the document that will be read when a claim is being considered.

There is a second gap of the same kind. The breakdown page advertises "recovery limits up to £10,000". Neither the policy booklet nor the insurance product information document carries that figure; both put the ceiling at £300 for any one UK breakdown and £5,000 for any one European breakdown. It is possible that the current wording, revised in August 2023, raised it — but that document could not be read. The link Comfort publishes for it redirects from a secure address to an insecure one and then loops, so the current breakdown wording is effectively unreadable from the archive page, and the £10,000 figure needs confirming with Comfort directly before anyone relies on it. It is also worth noting that the breakdown documents in that archive stop at August 2023, while the motorhome and campervan insurance policies beside them have been refreshed in April 2024 and again in 2026.

One further piece of context, since the sales page mentions weight. Weight matters less to this policy than it does to your licence: a driver who passed the car test after 1 January 1997 is limited to 3,500kg, and anything heavier needs the C1 entitlement. Plenty of six-berth coachbuilts sit within a few hundred kilograms of that line once they are loaded.

What the national complaints figures say about this product

Roadside assistance is a quietly troublesome product line across the whole market, and the Financial Ombudsman Service's annual complaints data — published on 21 May 2026 for the 2025/26 year — is the place to see it. The Ombudsman took 214,600 new complaints across every financial product that year and upheld 30% of the ones it resolved. Roadside assistance insurance produced 950 new complaints, of which it upheld 44%.

That is a small line by volume and it says nothing about Comfort specifically, which is far too small to appear in it. But the gap is instructive: car and motorcycle insurance ran at 13,420 complaints and a 35% uphold rate over the same period, and commercial vehicle insurance at 1,429 and 44%. Complaints about assistance products are upheld appreciably more often than the average complaint about anything, which suggests the disputes tend to be about whether a promise made at the point of sale was kept.

Comfort handles complaints from Dagenham on 020 8984 0777. Anything about the breakdown policy itself goes to the insurer's customer relations department, historically on 0344 893 9013, and from there to the Financial Ombudsman Service at Exchange Tower, London E14 9SR on 0800 023 4567 or 0300 123 9123. That escalation is free and the deadline is six months from the firm's final response.

An honest note on independent ratings: the Defaqto 5 Star that Comfort advertises, announced on 3 March 2025, was awarded to the Horizon motorhome and campervan insurance policy. It is not a rating of the breakdown add-on, and no independent star rating of this particular assistance product could be found.

Figures were taken from each provider's own published terms on 31 August 2026. Variable rates can change at any time — confirm the current rate with the provider before applying.