Green Flag Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery,
Home Service & European Travel
from £27
40% off Recovery and Recovery Plus. Buy one of the top two UK cover levels online and get 40% off our phone prices. Underwritten by U K Insurance Limited.
2Gether Insurance Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £19
Exclusive 15% discount for money.co.uk users when using discount code: MONEY15. See website for details, T&Cs may apply.
RAC Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery,
Home Service & European Travel
from £27.99
Get up to £50 Free Fuel when you purchase selected levels of cover online. Offer ends 28/1/15. Terms & Conditions apply.
AA Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery
& Home Service
from £34.99
Spend £50 or more on your breakdown cover and pay annually to get a £25 voucher that can be used at Starbucks, Pizza Express, ODEON and more. T's and C's Apply.
QDOS Rescue Services Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery,
Home Service & European Travel
from £18.20
10% off QDOS Breakdown Repair Protector warranty when you purchase a QDOS breakdown policy.
GEM Motoring Assist Breakdown Cover
Policy BasisCover OptionsPremiums
person onlyRoadside, Recovery
& Home Service
from £59.54
Get 12 months for the price of 10. Award winning UK Breakdown cover – includes Roadside Assistance, Home Start, Nationwide Recovery, Alternative Travel and free mobile app. Offer ends 31st of October 2014. Terms and conditions apply.
Drive 24-7 Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £39.99
Includes Roadside Assistance, Homestart, Vehicle Recovery, Getting to Your Destination, Car Hire, Hotel accommodation, up to x6 Breakdowns Per Year.
Startrescue.co.uk Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery,
Home Service & European Travel
from £17.79
RescuemyCar.com Breakdown Cover
Policy BasisCover OptionsPremiums
person or vehicleRoadside, Recovery,
Home Service & European Travel
from £17.90
AA Europe Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyEuropean Travelfrom £8.41
24 Hour English Speaking Helpline - up to £2000 cover per trip - Emergency accommodation up to £500 per trip & no excess charges
This is a European breakdown policy only, cover in the UK is not available.
Breakdown Assist Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £20.49
We can cover vehicles of any age*. Free caravan and trailer cover with all policies. *For European cover, up to the age of 15 years.
Autonational Rescue Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery
& Home Service
from £27
RAC Europe Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyEuropean Travelfrom £7
5-star Comprehensive European Breakdown cover from £7.
This is a European breakdown policy only, cover in the UK is not available.
Surewise.com Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £39.99
Insure4Breakdown.co.uk Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £49.99
Warranty Direct Breakdown Cover
Policy BasisCover OptionsPremiums
vehicle onlyRoadside, Recovery,
Home Service & European Travel
from £33

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Buy Breakdown Cover

by Hannah from money.co.uk

We explain how you can save money on quality yet cheap breakdown cover.

Car In Garage

Being stranded by the side of the road in a broken down vehicle is never fun regardless of whether you were on your way to an important meeting, a weekend away or just driving into town.

At times like these the reassurance of vehicle breakdown cover is invaluable but with so many different providers and packages available how do you choose the best breakdown cover policy?

Before you get started

The first thing to do is to check your existing insurance policy.

Many car insurers offer a car recovery recovery service as an add-on, sometimes even as a freebie, so you may already have cover.

If the cover doesn't offer what you want, contact your insurer to see if you can upgrade the policy or ask whether your insurance premiums will reduce if you remove it.

Type of cover

The first step in your breakdown cover comparison should be deciding whether you want 'Vehicle' or 'Personal' car breakdown cover. Many, but not all providers offer both options so this is a good way to start narrowing down your search.

Vehicle based cover is often a cheaper option as it entitles you to breakdown assistance for a specific car regardless of who is driving. This can be an economical option if you only ever travel in your own car or share a car with a partner.

Personal based cover will provide you with breakdown recovery protection whatever car you are in.  A policy of this type will be valid whether you are travelling as a driver or passenger and in your own or someone else's car. Because of its flexibility this type of cover is likely to be more economical if you often drive more than one car or frequently travel with others.

Once you have decided whether vehicle or person based cover is going to work better for you it's time to start looking at the different levels of cover available.

Level of cover

Most breakdown service providers offer a number of different levels of cover that differ in price as well as the services they include.

Choosing cheap car breakdown cover is all about matching the features offered by an individual package with the way you travel so that you only pay for protection you'll use.

While the specifics of each cover level will differ, there are 5 broad levels of cover that are commonly offered. These are.

Roadside assistance - This is the most basic level of cover available and will entitle you to have your car fixed by the roadside or towed to the nearest garage for repair. Free labour (usually for up to 60 minutes) will be included although it's likely that you will need to pay for any replacement parts needed yourself. So be sure to check this before taking out the policy.

It's worth bearing in mind that roadside assistance policies tend only to be valid if your car breaks down a certain distance from your home. The exact distance depends on the provider but it tends to vary between a and 1 mile radius of your property.

Vehicle recovery - Recovery packages will typically include roadside assistance as standard but if your car can't be fixed by the side of the road, you, your car and any additional passengers (usually up to a 7 person maximum) will be transported to a destination of your choice anywhere in the UK.

Home start - This level of protection extends the assistance a roadside policy provides and will cover you whether your car breaks down at home or on the road. Vehicle recovery may also be included by some providers.

Onward travel - Onward travel policies tend to be the most comprehensive available and usually include the aforementioned protection as well as benefits to cover the cost of accommodation or a hire car while your vehicle is being repaired.

European breakdown cover - This protection tends to be available either as a standard feature offering protection on the continent all year round, or as a 'single trip' add on. The type that is most suitable for you will depend on how often you plan to travel abroad with your car.

Most European breakdown policies will provide you with the reassurance of a 24 hour English speaking helpline, vehicle recovery to the UK should yours be irreparable and emergency roadside assistance provided by a local garage.

Choosing a provider

Once you've decided what type and level of cover you're likely to need you then need to start looking for the best car breakdown services.

While cost is likely to be an important factor in your decision (after all there is no point in paying more than you need to) it's also important to check the small print and compare the exact level of cover provided so that you have the reassurance that when you do break down you'll be protected with insurance that will get you back on the road - going for the cheapest breakdown cover you can find without checking the details is very risky.

Points to consider include:

Whether the provider has its own patrols?
While some breakdown cover providers run a dedicated network of patrols, others enlist the services of local garages across the country. If you're happy with either then it's not a problem, but if you'd prefer the reassurance and set standards provided by a patrol network then this is something to look for in a providers t's and c's.

How many patrols the provider has? 
Obviously the bigger the network of patrol vehicles, the better the chance that there will be one near you when you break down.

What the average wait time is? 
For most providers this tends to be between 30 and 40 minutes however it's worth checking when you compare the top breakdown cover quotes as some differ from this norm.

Whether you can build a no claims discount? 
Many breakdown providers will enable you to build a no claims discount if you don't call them out during your policy year. Anything that helps to drive the cost of cover down is a good thing so this is worth checking out.

What the maximum number of callouts is? 
Most breakdown insurance providers will specify a maximum number of times you can call out a patrol. This can differ between providers so it's important to compare the different offerings and get the maximum possible especially if your car isn't known for its reliability!

Whether callouts are prioritised? 
Many breakdown providers will offer priority cover for individuals travelling alone or families with children in the car so it's worth checking if this is of concern to you.

Whether there are any membership benefits? 
Some breakdown providers will offer their members additional benefits as an incentive to join. It's worth taking a look through these to see if they are going to be of any use as these perks may help to swing your decision.

What the package costs? 
As with any type of insurance, going for the cheapest option is only worthwhile if you're convinced you won't need the reassurance or services that higher cover offers. However, that's not to say that the most comprehensive cover is going to be right for you.

By weighing the benefits offered against the cost you should be able to compare car breakdown cover policies and find breakdown cover that is going to provide you with value for money and peace of mind.