The level of cover that’s right for you will, of course, depend on your individual circumstances and needs.
There are five main levels of breakdown cover:
1. Roadside assistance. The most basic form of breakdown cover. This is when a recovery vehicle comes to where you’ve broken down and tries to fix your car by the side of the road. If this isn’t possible, your car will be taken to a destination of your choice, within a 10 mile radius of where you’ve broken down (normally a garage).
2. Roadside recovery. This is the same as roadside assistance, but you get to choose the destination you’re taken to (anywhere in the UK).
3. Onward travel. This includes a means of continuing your journey. For example, some policies provide a replacement car while yours is at the garage, others offer reimbursement of public transport costs, and some even cover a night’s accommodation and medical assistance.
4. Home start This type of policy covers you if your car breaks down at your property or within a quarter mile radius of your house.
5. European cover. This tends to include all of the other levels of cover, but is also applicable while you’re abroad in Europe. Specific details will vary from policy to policy though, so always check before you set off on your travels.