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Compare breakdown cover

Cover that gets you back on the road when you break down. 
We’ve added important information about breaking down during the coronavirus pandemic. 

Cover that gets you back on the road when you break down. 
We’ve added important information about breaking down during the coronavirus pandemic. 

Cover that gets you back on the road when you break down. 
We’ve added important information about breaking down during the coronavirus pandemic. 

Cover that gets you back on the road when you break down. 
We’ve added important information about breaking down during the coronavirus pandemic. 

Cover that gets you back on the road when you break down. 
We’ve added important information about breaking down during the coronavirus pandemic. 

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Breakdown cover is not a qualifying product; however, compare prices now and find the right cover for you.

What you need to know about breaking down during the coronavirus pandemic

The UK government has introduced measures requiring you to stay at home, except for very limited purposes. 
If you do break down during an essential journey, both AXA and Green Flag say they will still aim to respond to call-outs. Their mechanics have been advised to keep two metres distance from drivers at all times, in line with the government’s social distancing advice, and you should aim to do the same. If you’ve been exposed to, or are experiencing symptoms of the coronavirus, you should alert your breakdown service when making the initial call. 
For more information, visit our coronavirus and motoring FAQ page
See government instructions on social distancing
Please note: This information was correct at the time of publication on 6 April 2020, but, because of the impact of COVID-19, things are changing rapidly. We aim to keep this page updated, but check with your insurance provider or potential provider directly to confirm any details. 

What you need to know about comparing breakdown insurance

Breakdown cover offers you the chance to get help with your vehicle when you need it most. It’s a policy that provides roadside assistance – with a trained professional on hand to fix your car and get you back on the road. 

When it comes to breakdowns there are two pretty safe bets – they’ll happen at the most inconvenient times, and in the most inconvenient places. Having the right cover means when your car, van, motorbike or scooter fails unexpectedly, you’ll have help on hand. Here are the answers to some common questions about breakdown cover… 

Does breakdown insurance cover me or my vehicle?

Breakdown insurance can be applied to you or to your vehicle, it’s up to you.

Personal cover
With this option, you’ll be covered in any vehicle that meets the policy specifications, and you can claim whether you’re the driver or a passenger. You can also extend this kind of cover to people who live at the same address, usually up to a limit of four people.

Vehicle cover
Vehicle-based insurance is applied to a specific car, van or bike, and can cover up to four vehicles registered at your address.

What are the different types of breakdown cover?

The best breakdown cover for you will depend on what you need it for. There are five types of breakdown cover:

Roadside assistance: Covers you if you break down during a journey. If your car can’t be fixed at the roadside, you’ll typically be towed to a nearby garage.

At home recovery: Also known as ‘home start’, this provides breakdown recovery if you break down at home or very close by, typically between a quarter of a mile and a mile from your home address.

National recovery: In addition to a roadside repair service, you’ll be towed to any location in the UK.

Onward journey: This will help you to continue your journey if your car can’t be fixed at the roadside. This could include a courtesy car, overnight hotel accommodation or public transport.

European recovery: If you’re holidaying in Europe by car and need breakdown recovery, this will provide cover for your trip. At Compare the Market you can also compare cheap European breakdown cover for vans (for non-commercial use) and bikes. 

Different types of breakdown cover

Frequently asked questions

Could I already have breakdown cover through another policy?

Breakdown cover might come as an added extra with your motor insurance, or even with some bank accounts or other financial products. It may also be included in the package if you’ve recently bought a car from a dealership.

If you have breakdown cover through another policy, check the policy documents carefully to make sure it offers everything you need.

Should I buy the cheapest breakdown cover?

Most breakdown cover customers choose based on price, according to 2017 research by Mintel. But opting for the cheapest cover could be a false economy, as it may not be the best breakdown cover for you.

For example, if you’ve broken down far from home and don’t have national recovery, you’ll need to find a way to get your vehicle home or somewhere to stay while it’s being repaired.

Another consideration is your policy excess. For some people it’s worth buying a slightly more expensive policy with a lower excess so that they won’t be too badly out of pocket if they require a call out. Approximately half the policies you can compare with us don’t have an excess charge. 

Can I pay for my breakdown cover monthly or annually?

With 99% of breakdown policies, you have to pay an annual membership fee. This covers you for a specific amount of call-outs each year. A small number of policies let you pay monthly, but usually it’s cheaper to pay annually. 

What extras can I add to my breakdown cover?

There are several extras you can add on to your standard breakdown cover. These can include: 

  • Tyre replacement cover – ideal if any of your tyres get a puncture. 
  • Battery replacement – get this and your policy provider will replace a flat car battery. 
  • Key replacement – some standard breakdown policies will cover you if your keys are stolen, lost or damaged. But if not, this could be useful. 
  • Wrong fuel – if you’ve filled your car with the wrong fuel and it breaks down, you’ll need this cover. 
  • Special vehicles – you may require a specific policy if you’re driving with a trailer or caravan attached to your car. 
  • Family and multi-car breakdown cover – family breakdown covers multiple drivers sharing the same address as you. Multi-car applies to the number of cars on the same policy. 
  • European breakdown cover – should your car breakdown when you’re driving in mainland Europe, you’ll probably need European breakdown cover. 

What happens if I break down?

Using your breakdown cover is simple. Firstly, be prepared – keep your policy information in your vehicle or on your smartphone. When you contact your breakdown cover provider they’ll take details of where you are and what the problem is, then send out a mechanic.  

Some providers have an app you can use, to pinpoint your location straight away and keep you informed with updates on your mechanic's progress, while you wait. 

What happens if my vehicle can’t be repaired at the roadside?

It depends on the nature of the problem and your level of cover. But if the mechanic can’t fix the issue there and then, usually your policy provider will arrange recovery of the vehicle, and tow you and your car to the nearest garage. This is usually subject to the age of the vehicle. 

What happens if a family member needs breakdown recovery?

It depends on your policy. But if you take out family breakdown cover, then members of your family may be covered on your policy. However, there could be limits based on the age of the vehicle. Usually, if the vehicle is 15 years or older, cover won’t be available. 

How can I find a good deal on breakdown cover?

Compare breakdown cover with us and you could save a lot of time (not to mention money). Just tell us some details about yourself and your vehicle, and you’ll get a handy list of deals, so you can choose the breakdown cover that suits you best. 
You can filter your results by policy type and include optional add-ons to find cover that suits your needs. When you find one you’re interested in, just follow the link to the provider’s website to get your deal. 

See which breakdown policy suits you best

Compare breakdown cover

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