If your car breaks down, having the right cover means you can call an engineer to help you get back on the road as quickly as possible.

Which policy you need depends on your budget, your vehicle and how often you drive.

Choose the right type of policy

There are two types of breakdown cover you can choose from:

  • Vehicle cover: This means only your vehicle will be covered, so you can only call out for assistance when the covered car breaks down.

  • Personal cover: This means you will be covered in any car you travel in, whether you are driving or a passenger.

If you only ever travel in your own car, a vehicle cover policy can give you the cover you need and may work out cheaper.

However, if you regularly use different cars, a personal cover policy gives you better protection.

How to choose the cover you need

There are different breakdown cover options you can choose, including:

  • Roadside assistance: This is included in every policy and gives you help at the side of the road if your car breaks down. You can also be towed to the nearest garage.

  • Vehicle recovery: This means your vehicle can be towed to any location of your choice in the UK if it cannot be fixed by the roadside.

  • Onward travel cover: This gives you options to continue with your journey if your car is taken to a garage, including a hire car or hotel accommodation.

  • Home start: This covers breakdowns that happen at your home, or within a certain distance, for example a quarter of a mile.

  • European cover: This extends your policy to include any trips you take in Europe. Here is how European breakdown cover works.

Think about which cover is best for you. For example, if you often travel long distances, vehicle recovery and onward travel could be useful. If you only drive now and again, roadside assistance may be enough cover.

This comparison shows which cover options each breakdown company offers. Once you know what cover you want you can use it to compare as many quotes as possible.

Look for the policy that offers all the options you need at the cheapest price.

Breakdown cover FAQs

Q

How many times can I claim on my breakdown cover?

A

It depends on your provider and the level of cover. Some offer unlimited call outs, but a basic policy may only let you make one claim a year.

Q

Can I get help if I breakdown at home?

A

Yes, but you will need to make sure you include home start cover in your policy. Here is how to work out what cover you need.

Q

Am I covered in someone else's car?

A

Yes, if you choose a personal cover policy, you will be covered whether you are driving or a passenger in any car.

Q

Can I pay for breakdown cover monthly?

A

Yes, you can either pay for your cover in one upfront payment, or you can spread it over the term of the policy.

Q

Can I earn a no claims discount?

A

Yes, some providers offer a discount if you do not claim on your policy in the previous year. Not all offer this so check with them before you buy a policy.

Q

Can I get a student discount on my breakdown policy?

A

No, most breakdown providers do not offer a student discount, but there might be other offers like online discounts worth looking out for.

About our breakdown cover comparison

Q

Who do we include in this comparison?

A

We include breakdown cover policies available from our panel of insurers and brokers. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.