The providers shown above are promoted picks, which means they’ve been chosen from among the partners we work with and are based on factors that include special features or offers and the commission we receive. Further down the page in our table, you can compare the full range of providers we cover on our site. Keep in mind that our promoted picks may not always be the best breakdown cover company for you – it’s important to compare for yourself and find a provider that works for your situation.
Some of the best breakdown cover companies in the UK
RAC is a large and well-established insurance company in the UK. It began in 1897 as the Royal Automobile Club, providing roadside help for its customers, and has since expanded to offer car, home and travel insurance policies, as well as comprehensive breakdown cover. The RAC offers a range of breakdown products, including family and multi-car policies, European cover, business cover, cover for motorcycles and a specialist policy for blue badge holders.
Key cover available.
4 out of 5 cars are successfully fixed at the roadside.
24/7 roadside assistance all year.
Your renewal price may increase if you make a claim.
Start Rescue is an insurance provider specialising in emergency and breakdown cover. The company offers car breakdown policies as well as home emergency cover and boiler breakdown cover. There are five levels of cover on offer from Start Rescue, with the most comprehensive policy offering all aspects of car breakdown cover as standard, as well as cover in case your journey is interrupted by theft, vandalism or illness.
Up to five levels of cover to choose from.
24/7 helpline available.
No excess for any claims.
Limited to just 6 callouts per year.
Cannot be used for the same problem more than once within 28 days.
GEM Motoring Assist is a members organisation specialising in breakdown cover, including for classic cars and EU travel. The company received a bronze award in the Auto Express Best Breakdown Cover 2020 awards, and has 5-star ratings from both Defaqto and Reviews.io.
Fully comprehensive cover.
Policy allows you to be covered in any vehicle.
24/7 emergency helpline.
You have to submit a claim through a form.
Onward travel and accommodation cover limit is quite low.
Asda is a household name as a high street supermarket. However, the company also provides financial services, including breakdown cover and a range of other insurance. Breakdown cover from Asda is offered in partnership with LV= and offers different types of cover, including roadside, UK breakdown and European cover. Asda Money says the average response time for its breakdown service is 42 minutes.
4 out of 5 cars are successfully fixed at the roadside.
Rescuemycar.com is a specialist breakdown cover provider that was established in 2000. It offers breakdown and recovery services for cars, vans and motorbikes in the UK and while you’re travelling in Europe. There are four levels of cover to choose from and a range of optional extras you can add to your policy, including key cover, personal breakdown cover and single-trip EU cover.
QDOS has been operating in the insurance industry since 2007. It offers four levels of breakdown insurance in the UK and the EU. You can choose from a number of different cover combinations, including Roadside, Local & Home and Roadside & National policies. There is also a fully comprehensive policy available, which offers all aspects of breakdown cover, plus theft cover and a message relay service.
Four levels of cover to choose from.
QDOS Breakdown lines are open 24/7.
Bed and breakfast cover included.
EU cover is a separate policy.
Some customers found it difficult to get a quick response.
How to find the best breakdown cover
Whenever you’re looking for insurance cover, your first step should be to compare policies. Our table below will help.
When comparing policies, don’t just look at the price. Cheapest doesn’t mean best, so make sure the policy you go with has all the elements you require. For example, if you want a breakdown policy that reimburses you for an overnight stay at a hotel if your car breaks down away from home and can’t be fixed the same day, make sure the policy you take out includes “onward travel” cover.
When you’ve chosen your provider, go through the application process. You’ll need to be completely honest when taking out your insurance, as any inaccuracies can invalidate your whole policy.
When you’ve taken out the cover, download your policy documents and keep them in a safe place (whether that’s on your desktop or as hard copies in your home or office). Keep them somewhere you can access in case you need to make a query or a claim.
Make a note of the claim line number for your provider in your phone or on a piece of paper in your car (preferably both), for use in case your car breaks down on the roadside and you need to call the company to send assistance.
The best breakdown policy for you will depend on your needs – you might want home start, multi-car or European cover, for example – so shop around to get a policy that covers everything you want.
Don’t just look at the price when shopping for breakdown cover, as the cheaper policies are likely to offer less comprehensive cover, so cutting costs could come down to priorities. In which case, look for a policy with flexibility so you can add on extras if you think you might need to.
Frequently asked questions
The answer to this question depends on your circumstances. The cover is similar for both options, the difference is what it covers – the driver or the car.
You should go with personal breakdown cover if you often drive more than one vehicle, or if you don’t have your own car but borrow one from friends or family members on a regular basis. One of the great benefits of this cover is that it also covers you as a passenger in someone else’s car in case you break down and they don’t have breakdown insurance.
If you mainly drive just the one vehicle, then vehicle breakdown cover is a better option for you, as it tends to be cheaper to take out.
The best way to find the best rates for you is to shop around and compare policies.
Remember that cheapest isn’t always best, so check the details of the policy before purchasing it to make sure it answers all your needs.
Some policies include cover in the EU as standard, while others offer it as an optional extra for an additional premium.
If EU cover is something that is important to you, make sure the policy you choose offers it before you purchase it.
Breakdown cover for countries outside of the EU is not likely to be offered with a UK breakdown policy.
This varies by provider and by type of policy. Some policies will limit how many times you can claim in a year, while more comprehensive options may offer unlimited callouts.
Check your policy details to make sure you know exactly what’s included in your cover.
Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.
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