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.

Check the cover options offered by each breakdown company. 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.