What level of cover is right for you will of course depend on your individual circumstances. This is particularly true if you own a modern car with digital parts that require attention at a garage.
There are five main levels of breakdown cover. They can be bought separately but tend to be bundled together.
Roadside assistance. This is the most basic form of breakdown cover. This is when a recovery vehicle comes to where you have broken down and tries to fix it by the side of the road. If they can't, it's then taken to a destination of your choice within a 10 mile radius of where you've broken down (normally a garage).
Roadside recovery. This cover is the same as roadside assistance, but you get to pick the destination you’re taken to, anywhere in the UK.
Onward travel. This includes a means of continuing your journey. For example, some policies provide a replacement car while yours is at the garage, some offer reimbursement of public transport costs, and some even cover a night’s accommodation and medical assistance.
At home. This type of policy covers you if your car breaks down at your property or within a quarter mile radius of your house.
EU cover. This policy tends to include all of the other levels of cover, but is also applicable while you're abroad in the EU. Specific details will vary from policy to policy though, so be sure to check you’ve got all the information.
It's also worth remembering that all of these policies can be tied to you, no matter what car you drive (known as 'personal cover'), or tied to a vehicle, no matter who drives it (known as 'vehicle cover').