There are five levels of breakdown cover, which can be bought separately but are typically bundled together. What’s right for you will depend on your individual circumstances and needs.
Roadside assistance The most basic form of breakdown cover. A recovery vehicle will try to fix your vehicle by the side of the road. If this isn’t possible, you’ll be taken to a nearby garage.
Nationwide recovery Offers the same as roadside assistance, but you get to pick the destination you’re taken to (anywhere in the UK).
Onward travel Includes a means of continuing your journey. Some policies provide a replacement car while yours is at the garage, some offer reimbursement of public transport costs, while others even cover a night’s accommodation and medical assistance.
Home start Covers you if your vehicle breaks down at home or within a quarter mile radius of your house.
EU cover Typically, includes all of the above levels of cover, but also applies when you’re in Europe. You can choose between:
• Single trip cover – provides cover for up to 31 days.
• Multi-trip (annual) cover – provides cover for as many trips that you make in a year, up to 90 days in total.
If you’ve just bought a new car, it’s a good idea to check whether the dealership included breakdown cover in the package. If cover was included, it’s worth checking the level to make sure it offers everything you need.