Car insurance with breakdown cover

Is it possible to get car insurance with free breakdown cover? If not, is it worth adding as an optional extra? Here’s the lowdown on the benefits of breakdown cover.

Daniel Hutson From the Motor team
minute read

How much protection does breakdown cover offer?

That depends on your policy, so make sure you check the details if you want a particular level of cover.

  • Roadside assistance Your car will be fixed at the roadside or a local garage.
  • Home start You’ll be covered if your car won’t start at home.
  • National recovery As well as roadside repair, you can be towed to a UK location.
  • Onward journey Includes transport to get you home if your car breaks down. It might even cover you for accommodation and car hire.
  • European recovery Offers cover if you’re driving in Europe.

What are the advantages of getting breakdown cover with your car insurance?

  • Convenience. It’s often easier to have both on one policy. That way, you have only one company and one set of paperwork to deal with.
  • If you don’t have cover, you could find yourself with a hefty garage bill if your car breaks down.
  •  Some providers may offer cheaper breakdown cover if you combine it with a car insurance policy from them.

What are the disadvantages of combining breakdown cover with your car insurance?

It can sometimes be cheaper to buy car insurance and breakdown cover separately.

Is it possible to get free breakdown cover with my car insurance?

Some insurance providers advertise free breakdown cover with their policies. But you may find that the overall price is higher – so it’s always worth comparing. 

What do I need to look for when buying breakdown cover?

  • Some new cars come with breakdown cover included, so double-check whether you already have it.
  •  See how long help will take to arrive, should you break down. If you can’t find that information on the insurance provider’s website, call and ask them.
  • Does the policy cover you abroad? You might need European breakdown cover. You’ll also want to make sure you’re covered for transport home, if you break down on a French motorway.

How do I find the right breakdown cover?

Compare breakdown cover with Compare the Market, to find the right cover for your needs.

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