There are five main levels of breakdown cover. These are usually features of a single policy rather than stand-alone forms of insurance, although you should be able to purchase any combination of these by shopping around. This is what’s normally covered, although policies can vary.
A recovery vehicle will come out to you and a mechanic 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. This is the most basic type of breakdown cover.
As with roadside assistance, you’ll be covered for roadside repairs and a tow if necessary, but you can choose a recovery destination anywhere in the UK.
This covers you for continuing your journey, whether through a hire car, an overnight stay while your vehicle is being repaired, and in some cases medical cover too.
If your vehicle breaks down at home or within a quarter mile radius of your house, you can call in a recovery vehicle.
This usually includes all the above levels of cover, but also applies when you’re in Europe. Typically, you can choose between:
• Single trip cover – provides cover for up to 31 days
• Multi-trip (annual) cover – provides cover for as many trips as you make in a year, up to 90 days in total
Cover can vary among insurance providers, so check the country you’re visiting is included in your policy.
In many cases, European cover can also be added to an existing breakdown policy of another type.