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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 30 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 is breakdown cover?

Breakdown cover is a policy that provides roadside assistance if your vehicle breaks down – with a trained professional on hand to fix your car and get you back on the road. If your car can’t be fixed, then you’ll usually be towed to a nearby garage.

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 be able to get it back up and running quickly.

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’s covered by a breakdown policy?

Breakdown policies will give you the peace of mind that assistance is at hand should you break down on the roadside.

Depending on the policy you choose, it can also include cover if your vehicle breaks down at home, nationwide and in Europe.

All breakdown providers offer an emergency helpline and breakdown assistance 24 hours a day, 365 days a year.

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

What extras can I add to my breakdown cover?

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

  • Tyre replacement cover Ideal if you get a puncture.
  • Battery replacement Your policy provider will cover the cost of a replacement flat car battery.
  • Key replacement Some, but not all, standard breakdown policies will cover you if your keys are stolen, lost or damaged. Check the policy inclusions to be sure.
  • Wrong fuel If you’ve filled your car with the wrong fuel and it breaks down, this will come in very handy.
  • 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 policies allow you to add a specified number of different cars (at the same address) to the same policy.
  • European breakdown cover Should your car break down when you’re driving in mainland Europe.

Which breakdown insurance providers do we compare?

We compare prices from the following breakdown cover providers, to help ensure you get a great-value deal. See the options available to you in one go and can get quotes in less than 3 minutes**.

2Gether Insurance RCIB Insurance
AXA Breakdown Assist
Cover My Dynamo Cover
Eversure Insurance Green Flag
Nova Direct QDOS Breakdown
Recover Cover Rescuemycar.com
Startrescue.co.uk Sterling Insurance

**On average, it can take less than 3 minutes to complete a breakdown cover quote through Compare the Market, based on data in February 2020.

Frequently asked questions

Could I already have breakdown cover through another policy?

Breakdown cover might come as an added extra with your car insurance, or even with some current accounts or other financial products. It may also be included as part of a 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?

Price is a deciding factor when it comes to buying breakdown cover. But opting for the cheapest policy 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 fork out for 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 they won’t be too out of pocket if they need 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 happens if I break down?

Using your breakdown cover is simple if you break down. 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.

Can I claim straight after taking out a breakdown cover policy?

In most cases, cover will start 24 hours after your payment has been accepted. However, this can differ between breakdown cover providers, so check your policy conditions before you buy.

Can I cancel my breakdown cover policy?

When you take out a policy, you’ll have a 14-day ‘cooling off’ period, during which you can cancel your breakdown cover without any charges. However, be aware that if you’ve used the service within those 14 days and decide to cancel, you won’t be given a refund.

After the cooling off period, if you wish to cancel your policy early, you might be charged a cancellation or administration fee. Check your policy details to see what charges you may incur for early cancellation.

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, your policy provider will usually arrange recovery of the vehicle and tow you and your car to the nearest garage. This might be subject to the age of the vehicle.

What happens if a family member needs breakdown recovery?

It depends on your policy. If you take out family breakdown cover, you can have members of your family covered on the one policy. However, there may be limits, based on the age of the vehicle. Usually, if the vehicle is 15 or more years old, cover won’t be available.

Will I be covered if my car breaks down at home?

If ‘home start’ recovery is included as part of your breakdown cover, you’ll be able to get assistance at home. Generally, policies that include home recovery will provide cover up to a quarter of a mile from your home. So if you break down just up the road, you’ll be able to get help.

How many call-outs can I make in a year?

It depends on the breakdown policy you choose. With some, you can make up to five call-outs in a year, while those that offer unlimited cover let you call as many times as you need.

Will I be covered if my van breaks down?

Most breakdown providers will also cover vans, if they’re under 3.5 tonnes. If you use your van for work, it’s worth taking out van breakdown cover. This could help you get back on the road sooner with minimal disruption to your working day.

Will I be covered if my motorcycle breaks down?

Most providers will also cover motorcycles. You can also buy motorbike breakdown cover, which offers the same levels and features as a car breakdown policy.

What isn’t covered by breakdown insurance?

It’s always important to read your policy terms and conditions, to find out what exclusions there might be. For example, breakdown cover might not cover the following:

  • repeat call-outs for a recurring fault
  • routine maintenance
  • roadside assistance for an accident or breakdown that involves the emergency services

There may also be certain conditions attached if you break down on private land or with animals.

What if I break down with my pets in the vehicle?

If you’re travelling with a pet, it’s recommended that they’re secured to keep them, you and your passengers safe while you’re driving. If you break down with a pet in the vehicle:

  • leave them inside the car if you’re on a motorway
  • if you have to take them out, keep them on a lead
  • most breakdown engineers will try to accommodate pets – transferable pet travel carriers or restraints are advisable, and will help ensure your pet is transported safely.

What happens if the breakdown company damages my car?

If your car is damaged during the breakdown service, you should point out the damage immediately. Then you should negotiate for the breakdown company to pay for repairing the damage.

If they dispute your claim, there are ways to take further action. Find out what your rights are on the Citizens Advice website.

What happens if I break down without breakdown cover?

If you break down and you don’t have cover, it’s possible to get instant cover with some breakdown insurance providers. However, this can cost more as you may be charged a one-off fee for instant membership.

Alternatively, you can call Green Flag on 0845 246 1557, who offers a breakdown service. If you don’t have breakdown cover, they’ll charge an emergency call-out fee, which can be expensive.

Other ways to get help if you don’t have cover:

  • Call a local garage to see if someone can come and tow your vehicle to the nearest mechanic. Be warned though, this could end up being very expensive. Also, bear in mind, this is only an option during opening hours.
  • If you’re not far from home, you could call friends or family. But again, this might be an issue if you break down in the middle of the night.

Will I still be covered in Europe after Brexit?

Brexit should have no impact on European cover. As long as you have European breakdown cover you’ll have the same level of protection as before.

However, if you’re planning a trip to Europe, it’s important to make sure you arrange breakdown cover for Europe before you leave the UK. You may also need a Green Card. And be aware that breakdown cover isn’t a replacement for car insurance.

Can a vehicle be too old for breakdown cover?

Some breakdown providers will cover vehicles of all ages. When comparing breakdown cover, you should check the policy terms and conditions to see if there are any limits.

When you compare breakdown cover with Compare the Market, we’ll ask you the age of your vehicle. That way we can show you a list of suitable providers who can offer you cover for an older car.

Will I be covered if I’m towing a caravan?

Most breakdown providers will cover you for towing a caravan, although weight and size restrictions usually apply.

Some breakdown providers offer specific breakdown cover for caravans and motorhomes if you’re a member of a caravanning club, such as The Camping and Caravanning Club UK. These policies often offer a number of extra benefits, including no weight or size restrictions.

How can I find a good deal on breakdown cover?

Compare breakdown cover with us and you could save a lot of time (and money). Just tell us some details about yourself and your vehicle and we’ll give you a list of deals to weigh up, 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 cover 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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