Multi-car breakdown cover

If you have several cars at home, find out how a multi-car breakdown insurance policy could help save you hassle and money.

Updated

Fact checked
Multi-car breakdown cover might make sense if you have several cars in your household, as all cars are protected with breakdown cover, no matter who is driving. Read our guide to see how multi-car breakdown cover works and if this cover for two or more of your cars could save you money.

Compare breakdown cover

Data indicated here is updated regularly
Name Product Personal Price (from) Vehicle Price (from) Roadside Assistance National Recovery Home Start Onward Travel Offer
RAC Roadside only
RAC Roadside only
£36
£40
FLASH SALE - 40% off personal breakdown cover. Ends 24/09/20. 7am. Terms & conditions apply.
RAC Roadside & Home
RAC Roadside & Home
£57
£75
FLASH SALE - 40% off personal breakdown cover. Ends 24/09/20. 7am. Terms & conditions apply.
RAC Roadside, Recovery, home & onward travel
RAC Roadside, Recovery, home & onward travel
£87
£125
FLASH SALE - 40% off personal breakdown cover. Ends 24/09/20. 7am. Terms & conditions apply.
RAC European
RAC European
N/A
£150
GEM Recovery Reclaim
GEM Recovery Reclaim
£65.42
Covers the individual
GEM Recovery Extra
GEM Recovery Extra
£80.55
Covers the individual
ASDA Roadside
ASDA Roadside
£55
£24
ASDA UK Breakdown
ASDA UK Breakdown
£125
£78
ASDA European
ASDA European
£189
£142
Start Rescue 1*
Start Rescue 1*
£53.12
£27.22
Start Rescue 2*
Start Rescue 2*
£74.06
£28.57
Start Rescue 3*
Start Rescue 3*
£86.77
£38.77
Start Rescue 4*
Start Rescue 4*
Vehicle only
£70.51
Start Rescue 5*
Start Rescue 5*
Vehicle only
£76.55
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What is multi-car breakdown cover?

Multi-car breakdown cover typically lets you insure a number of cars under one policy rather than having to take out policies for the respective cars separately. This can sometimes save time, money and hassle.

How does multi-car breakdown cover work?

Although policies will vary between providers offering the breakdown cover, you will generally be able to insure more than one car and sometimes up to five cars registered at the same location or address. However, the cars are not required to be owned by one person or the policyholder, making this policy a possible option for families or friends living together. In some cases, even students studying away from home may also be covered under some multi-car breakdown policies.

What is included in multi-car breakdown cover?

The features of the multi-car breakdown cover will vary between providers as well as the level of cover you choose. Generally, you can expect the following:

  • Local roadside assistance. If your car breaks down, you’ll get roadside assistance and recovery to a local garage for any repair work that can’t be completed at the roadside.
  • National roadside assistance. Regardless of where your car breaks down, you can choose where you would like your car towed to for repair work if the mechanic is unable to fix your car at the roadside.
  • Home breakdown. If you’re close to home when your car breaks down or your car won’t start outside of your home, you’ll get assistance with repairs.
  • Onward travel. This will ensure your journey can continue even if your car can’t immediately be fixed. You could get a replacement car or tickets for public transport. In some cases, you may be covered for an overnight stay.

Be sure to read your policy document carefully to ensure you have the right level of cover for your needs.

Exclusions

Make sure to familiarise yourself with any potential exclusions that could invalidate your breakdown cover. The insurer may refuse to offer roadside assistance if:

  • You fail to maintain your car. General maintenance of your cars, such as oil checks and tyre checks, is important to ensure the vehicles are safe to drive.
  • You break down on private land. The recovery vehicle may not be able to access the land you’re stranded on.
  • You break down after a collision. Recovery may be delayed while emergency services tend to the scene of an accident. Some policies may also exclude breakdown recovery following a collision.

Additional cover

In addition to breakdown cover, there may be other types of cover that could prove beneficial. These might include:

  • European breakdown cover. If you’re travelling around Europe, don’t be stranded at the side of the road. You’ll get roadside assistance and recovery depending on the level of cover you choose.
  • Special vehicle cover. This will cover other vehicles such as motorbikes as well as caravans or trailers that might be attached to one of your cars and also require protection.
  • Wrong fuel cover. Cover to get you back on the road if you accidentally put the wrong fuel in the car.
  • Key replacement cover. Cover if you can’t find your keys or if they’ve been stolen or damaged.

What are the different types of multi-car breakdown insurance?

There are a couple of options with multi-car breakdown cover:

  • Standard breakdown cover. This is usually an annual policy you pay for. Based on the level of breakdown cover you choose, you will then be covered for any call-out or recovery charge.
  • Insurance style: This is where you pay for the call-out or recovery of your vehicle and then claim the costs back.

How can I lower the cost of my multi-car breakdown insurance?

  • Check the cover level and features. Decide on an appropriate level of cover and check the features suit your needs. For example, a policy may include EU breakdown cover as standard, rather than you having to pay extra for it with another policy.
  • Shop around. Do your research and compare breakdown cover deals to find the best deal. Keep in mind the cheapest policy isn’t always the best policy so check the policy details carefully to avoid being stranded if your car breaks down.

Pros and cons of multi-car breakdown cover

Pros

  • Save money
  • Less time wasted

Cons

  • Might be more expensive than individual breakdown policies in some instances

Frequently asked questions


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