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Compare breakdown cover

Cover that gets you back on the road when you breakdown.

Cover that gets you back on the road when you breakdown.

Cover that gets you back on the road when you breakdown.

Cover that gets you back on the road when you breakdown.

Cover that gets you back on the road when you breakdown.

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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 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…

Frequently asked questions

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?

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 covers you if you break down at home or very nearby, 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, this will provide cover for your trip.

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 if it’s not the right policy 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. Many of the policies you can compare with us don’t have an excess charge.

What happens if I break down?

Using your breakdown insurance 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.

Depending on the nature of the problem and your level of cover, the mechanic will either fix the issue there and then, or tow you and your vehicle to a nearby garage.

How can I find a good deal on breakdown cover?

Compare breakdown insurance 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 policy deals to choose from, all on one page.

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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