We explain the different levels of breakdown cover available and how to decide which is right for you.
The levels of vehicle breakdown cover offered will vary from provider to provider, but generally, there are four different levels of cover available.
The most basic policy - normally called 'Roadside' or 'Roadside Assistance' - will cover you at the roadside. A mechanic will try and fix the problem at the roadside and if they are unable to, they will tow you to the nearest garage or back to your home (whatever is nearer), within a set radius.
The next level - normally called something like 'Roadside & Relay' or 'Roadside & Recovery' - will cover you at the roadside and, if your vehicle can not be repaired, they will transport you, your vehicle, and up to a pre-defined amount of passengers to your home or any other single UK mainland destination.
The third level - look out for the words 'At Home' or 'Home Start' - provides the vehicle breakdown cover as described above, plus a mechanic will come out to your home if your vehicle breaks down.
The most comprehensive policies offer all of the above, plus additional vehicle breakdown recover benefits such as a replacement car; overnight accommodation or onward travel arrangements if local repair is not possible within a reasonable time.
European Cover - basically vehicle breakdown insurance cover on the continent - is offered by some of the larger companies, and you will need to pay an additional premium for this cover.
