{"id":390265,"date":"2018-02-15T16:40:06","date_gmt":"2018-02-15T16:40:06","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=390265"},"modified":"2026-05-06T14:27:48","modified_gmt":"2026-05-06T13:27:48","slug":"breakdown-cover","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/breakdown-cover","title":{"rendered":"Compare breakdown cover"},"content":{"rendered":"<h3>What is breakdown cover?<\/h3><p>Breakdown cover is a type of insurance that protects you from getting stuck on the roadside if something were to happen with your car, like a flat tyre or a mechanical fault. Breakdown cover typically includes roadside repairs and, in cases where your car can\u2019t be fixed, the option to have it towed to a nearby garage.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Breakdown cover jargon explained<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p><strong>Home start.<\/strong> Also known as home rescue or at home breakdown, home start is a type of cover that only applies if you breakdown within a limited radius of your home.<br><strong>Onward travel.<\/strong> Where your car can\u2019t be fixed, onward travel covers you to continue your journey by alternative means or compensation for additional expenses.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How to compare breakdown cover<\/h3><p>There\u2019s no such thing as a one size fits all breakdown cover policy as your personal circumstances will dictate the cover you need. Follow the steps below to help find the right policy for you:<\/p><ol><li><strong>Start by researching regular car insurance.<\/strong> Some <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance policies<\/a> automatically include breakdown cover and you might find a great deal at this stage. Otherwise you\u2019ll need to buy breakdown cover as a separate policy or optional extra.<\/li><li><strong>Shop around.<\/strong> The best way to get the best deal on breakdown cover is to compare as many policies and providers as possible. Some providers will offer price matches on lower premiums you find online. When your policy is up for renewal, it\u2019s worth shopping around again as you might find an even better deal and switching could get you big savings.<\/li><li><strong>Use autofill to save time.<\/strong> Simply switch this feature on in your chosen web browser. If you want to review your quotes, or make small changes to your form, you can also do so by accessing the Finder quote email and clicking \u201cEdit quote details\u201d.<\/li><li><strong>Make sure your details are correct.<\/strong> Seemingly minor details like your age, location, occupation and marital status can have a major impact on the cost of your cover, so make sure you input the correct information to ensure you get an accurate quote.<\/li><li><strong>Balance your cover needs with a reasonable price.<\/strong> There\u2019s no such thing as the perfect policy, the key is to find a happy medium between the price and the level of cover that suits your personal circumstances.<\/li><\/ol><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"05YOQdaDt-8\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/05YOQdaDt-8\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/05YOQdaDt-8\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/05YOQdaDt-8\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:46<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-05YOQdaDt-8\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<hr><h3>How can I save money on my breakdown cover?<\/h3><p>There are a couple of ways you can save on your breakdown cover before you sign on the dotted line. To get the best deal, heck out our three handy tips:<\/p><ul><li><strong>Age of your car.<\/strong> If your car is brand new, it might be worth opting for a more basic form of cover for the first couple of years. With a new car you\u2019re less likely to need the full works. If your car is relatively old, then it might be time to think about increasing your breakdown cover. Unfortunately, many insurers don\u2019t offer breakdown cover for cars older then 15 years old, but make sure to shop around if this is what you require, as some companies might offer it.<\/li><li><strong>Check your car insurance policy.<\/strong> You might find that your car insurance policy already includes breakdown cover so you don\u2019t need to spend the extra cash. But it is important to check what is included within this cover, as you may find it only covers the basics.<\/li><li><strong>Joint policy.<\/strong> Often it can be cheaper to buy a joint or family policy if you have more than one driver in your household, rather than individual policies for each person.<\/li><\/ul><h3 id=\"cover\">What types of breakdown cover are there?<\/h3><p>There is nothing worse than needing a tow and realising your breakdown policy doesn\u2019t cover you for it. There are different types of breakdown cover out there so make sure you understand what you\u2019re signing up to.<\/p><p>There are typically six types of breakdown cover available:<\/p><ul><li><strong>Roadside assistance.<\/strong> This is the most basic form of breakdown cover and should be included within all breakdown policies. <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/roadside-assistance\">Roadside assistance<\/a> ensures that if your car breaks down further than a quarter of a mile from your home, someone will be sent to assist you on the road. If your car cannot be fixed on on the roadside, it will typically be towed to a nearby garage.<\/li><li><strong>National recovery.<\/strong> Also known as vehicle recovery, this type of cover is the level up from roadside assistance. <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\">National recovery<\/a> means that, if your car can\u2019t be fixed on the roadside, it can be towed to any location of your choice within the UK.<\/li><li><strong>Home start.<\/strong> This provides you with cover should your vehicle break down at home or very near to it (usually within a quarter of a mile to a mile radius of your home). <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/home-start\">Home start<\/a> cover is sometimes called at home recovery or at home breakdown.<\/li><li><strong>European cover.<\/strong> As the name suggests, this type of cover protects you on the roads when you\u2019re driving in Europe.<\/li><li><strong>Onward travel.<\/strong> If your car can\u2019t be fixed on the side of the road, then having <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\">onward travel<\/a> cover means that you will be offered a way to continue your journey. Some companies offer to reimburse you for public transport costs, pay for an overnight hotel stay or offer a replacement car hire while yours is being repaired.<\/li><li><strong>Electric vehicle breakdown cover.<\/strong> This type of cover <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/electric-vehicle-breakdown-cover\">protects electric vehicles only<\/a>. Since electic vehicle adoption has only become more popular in recent years, this is one of the newest forms of breakdown cover. Providers such as <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/aa\">The AA<\/a> offer this, with 99% of their electric vehicle breakdown cover patrol force trained to IMI Level 2.<\/li><\/ul><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Carry out a few basic checks to make sure your car is ready for when you need it. Don\u2019t leave it until your next MOT or service if you know or feel there is something wrong with your car.<\/p>\u201d\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Mark Newberry, Green Flag commercial director<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>What are my breakdown cover options?<\/h3><p>You can either take out breakdown cover for a vehicle or a person. Prices for personal breakdown cover tend to be higher, but if you\u2019re someone who drives more than one car, then it may suit your needs.<\/p><ul><li><strong>Vehicle breakdown cover.<\/strong> This is the most common type of breakdown cover and is attached to a specific vehicle only. Some insurers include this as standard in their car insurance cover, but in many cases this is either an optional extra that can be added to your policy for an extra premium, or a stand alone policy you can take out separately.<\/li><li><strong>Personal breakdown cover.<\/strong> This is breakdown cover that is attached to an individual, so you\u2019ll be protected no matter which vehicle you drive. This tends to be more expensive, as the insurance company doesn\u2019t have details about the car to quantify risk with, but is worth it if you regularly need to drive different vehicles.<\/li><\/ul><p>Some companies also offer family breakdown policies, which can cover your entire family in case any of them break down on a journey.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Vehicle cover (national recovery and home start) for 2018 Vauxhall Corsa<\/h4><ul><li>Annual payment = \u00a319.99<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Same policy, for personal cover<\/h4><ul><li>\u00a340.99<\/li><li>Difference = \u00a321<\/li><\/ul><\/div><\/div><\/div><\/article><h3>Is breakdown cover worth it?<\/h3><p>In a nutshell, yes. You never know what could happen out on the roads, and if your car suddenly packs it in, you don\u2019t want to be stuck on the roadside. It\u2019s also particularly relevant for you if you\u2019re driving an older vehicle, as those are more likely to have mechanical faults (but note that cover is rarely offered to cars older than 15).<\/p><p>Having breakdown cover means that you have someone you can call for help, either by fixing your car, helping you get to a garage or helping you back home.<\/p><p>You may find that breakdown cover is already written into your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance<\/a> policy, so first check your policy documents to make sure you\u2019re not spending unnecessarily.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Could save in the long run if your car breaks down.<\/li>\n                                    <li>Personal breakdown cover insures you across multiple vehicles.<\/li>\n                                    <li>Peace of mind.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Newer cars are less likely to break down.<\/li>\n                                    <li>Personal breakdown cover would not cover another person driving your car.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<p style=\"text-align: center;\"><a class=\"luna-button luna-button--large luna-button--success scroll\" href=\"#comparison-table\">Start comparing breakdown cover<\/a><\/p><h3 id=\"customer-satisfaction\">Our 2026 customer satisfaction league table<\/h3><p>We asked customers of the breakdown cover providers featured in this table whether they\u2019d recommend it to a friend and we\u2019ve ordered the table by the percentage score. Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/breakdown-cover-customer-satisfaction-awards\">independent survey<\/a> was carried out in February 2026.<\/p><table class=\"luna-table customer-satisfaction\" id=\"customer-satisfaction\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/5@s\">Brand<\/th><th scope=\"col\">Customers who\u2019d recommend<\/th><th scope=\"col\" class=\"is-hidden is-visible@m\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\" data-brand=\"aa\"><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/aa\">AA<\/a><\/th><td>92%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/aa\">AA<\/a> is highly trusted for providing peace of mind and fast, effective service. Drivers appreciate that cars are often repaired at the roadside by friendly, reassuring staff.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"greenflag\"><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/green-flag\">Green Flag<\/a><\/th><td>91%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/green-flag\">Green Flag<\/a> is frequently praised for rapid arrival times and helpful engineers. The service is consistently noted for being reliable, affordable and easy to arrange.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"rac\"><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/rac\">RAC<\/a><\/th><td>88%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/rac\">RAC<\/a> is a dependable and trusted brand with a helpful mobile app. Multiple users report being very satisfied with the service, describing it as quick and reliable.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"startrescue\"><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/start-rescue\">Start Rescue<\/a><\/th><td>88%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/start-rescue\">Start Rescue<\/a> is praised for competitive pricing and quick arrival times. Drivers find the service easy to use and appreciate being updated by professional staff.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"asda\">ASDA<\/th><td>85%<\/td><td>ASDA is valued as an affordable and trustworthy brand. Reviews highlight the ease of setup and the fast, reliable assistance provided when a car breaks down.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"gem\">Gem<\/th><td>83%<\/td><td>Gem is valued for its helpful engineers and for covering the person rather than the car. Users consistently describe the service as good value and quick to respond.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"row\">Row<\/th><td>82%<\/td><td>Row drivers report reliable service and quick roadside assistance. Customers also mention that the brand is easy to use and reasonably priced.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"motoreasy\">Motor Easy<\/th><td>80%<\/td><td>Motor Easy is praised for its responsive staff and for providing a good level of cover at a reasonable price. Customers find the service reliable and easy to use.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"cbc\">CompareBreakdownCover (CBC)<\/th><td>80%<\/td><td>CBC is a popular choice for finding low-cost policies. Multiple users highlight that the website is simple and easy to use to find suitable cover.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"covermybreakdown\">Cover My Breakdown<\/th><td>80%<\/td><td>Cover My Breakdown is praised for its great pricing and reliable cover. Customers found the service responsive and were happy with the roadside assistance.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"rescuemycar\"><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/rescuemycar\">Rescuemycar.com<\/a><\/th><td>74%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/rescuemycar\">Rescuemycar.com<\/a> customers like the low prices and straightforward terms. The service is described as easy to use with prompt and professional roadside help.<\/td><\/tr><\/tbody><\/table><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Customer satisfaction ratings methodology<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We asked people who\u2019d used a breakdown cover provider within the previous 12 months to rate their satisfaction with the service they received and whether they\u2019d recommend the provider to a friend. Our independent survey of 500 breakdown cover customers was carried out in February 2026.<\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Should I buy the cheapest breakdown cover?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>While it\u2019s tempting to opt for the cheapest policy available, this might end up being a false economy. If you often drive further away from home, you can be left out of pocket if you break down but you only have the most basic policy, as it might not include enough cover to get you and your car back home.<\/p><p>This can mean you have to fork out on overnight accommodation, a hire car or public transport to continue your journey.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I pay for my breakdown cover monthly or annually?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In most cases, you have to pay for your breakdown cover in one lump sum. This will offer you a certain amount of call outs for the time of the policy. You might be able to find a provider that allows you to pay monthly, but it can be more expensive.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Could I already have breakdown cover in my existing policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Potentially, yes. Some car insurance policies, and even some additional financial products like your current account, automatically include breakdown cover as a standard. Check with your specific providers to see if this is the case for you.<br>If not, breakdown cover can be taken out as an optional extra to your existing policy or as a separate policy entirely.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What happens if I break down?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Once you and your vehicle are in a position of safety, locate your policy documents. It\u2019s a great idea to have these prepared either saved on your phone or stored safely in your vehicle. Contact the designated number in your policy information, they\u2019ll take a few details and send out a mechanic. For more information, check out our guide on <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/what-to-do-when-your-car-breaks-down\">what to do if your car breaks down<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I claim straight after taking out a breakdown cover policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will differ between providers, but in most cases cover tends to start around 24 hours after payment is made.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I cancel my breakdown cover policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As with regular car insurance, you\u2019ll typically be given a 14-day \u201ccooling off\u201d period in which you can cancel your cover without incurring a fee. After the two-week period, you may be charged if you want to cancel your policy before the renewal date. Check your policy details to see what charges might apply.<\/p><p>In cases where you\u2019ve used your breakdown cover within the 14-day period and then want to cancel, you likely won\u2019t be given a refund.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">How many call-outs can I make in a year?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will vary by provider and level of cover. More expensive policies are likely to offer more call outs per year (some might even offer unlimited call outs), but the extra expense may be worth it if you spend a lot of time on the road.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What isn't covered by breakdown insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Some breakdown policies will have certain exclusions. This will vary by provider, but usually includes:<\/p><ul class=\"has-margin-bottom\"><li>Repeat call-outs for a the same fault<\/li><li>Routine maintenance<\/li><li>Breakdown relating to an accident<\/li><li>Roadside assistance for an incident where the emergency services are involved<\/li><li>Cars older than 15 years old<\/li><\/ul><p>Some exclusions might also relate to breaking down with animals in the vehicle or on private land.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">What happens if my vehicle can't be repaired at the roadside?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will depend on the level of cover you have and what the issue is with the car. Most basic policies, which should include roadside assistance, will at least cover you to be towed to a nearby garage. It\u2019s worth checking out different levels of cover to see what would work best for you, for example, investing in national recovery cover if you want the option to be towed to a garage of your choosing.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">What happens if I break down without breakdown cover?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Most breakdown policies only start to offer cover 24 hours after the initial payment is made. However, if you break down without a policy in place, you might be able to get instant cover with some breakdown insurance providers, but this may cost more.<\/p><p>Another option is to call Green Flag, who offers a breakdown service, on 0800 400 600; or the AA, who offer instant cover, on 0800 88 77 66. This will involve paying an emergency call-out fee, which can be expensive, but might still be more economical than the alternatives.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">What extras can I add to my breakdown policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will vary by provider, but you would usually be able to add cover for misplaced keys or misfuelling (when you top up with the wrong fuel).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Am I covered if my van breaks down?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Many insurers will include vans in their breakdown cover, but it\u2019s best to check the details of your policy to make sure.<\/p><p>Note that your insurance company might have policy exclusions relating to using your van for business purposes, so, if this is relevant to you, double-check the small print.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">Will I be covered if I'm towing a caravan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Most standard breakdown policies don\u2019t include cover for vehicles towing a caravan or other kinds of special vehicles.<\/p><p>Policies that cover you for caravans, trailers, and similar vehicles are available. You can find out more information in our guide to <a href=\"https:\/\/www.finder.com\/uk\/caravan-insurance\">caravan insurance<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">Will my classic car be covered if it breaks down?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Cars older than 15 years old are usually not covered by standard breakdown policies. As classic cars tend to be older and with parts that are hard to replace, they require specialist cover.<\/p><p>That said, classic car breakdown cover is available, but might require some shopping around to find a good deal.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">Can I get breakdown cover for my motorbike?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Many insurers offer cover for <a href=\"https:\/\/www.finder.com\/uk\/motorbike-insurance\">motorbikes<\/a> or mopeds, including breakdown cover. You can take out a motorcycle breakdown policy that offers the same levels of cover as a car breakdown policy, from basic roadside assistance to onward travel.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000016\" data-toggle=\"collapse\" data-target=\"#accordion0000000016\">\n        <span class=\"luna-accordion__title\">How can I find a good deal on breakdown cover?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000016\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The best way to find the most suitable breakdown cover for you is to compare policies.<\/p><p>Things to consider when you shop around include:<\/p><ul class=\"has-margin-bottom\"><li>How often you get on the road<\/li><li>How often you drive far away from home<\/li><li>The age of your vehicle<\/li><li>Whether you usually carry passengers or travel with pets in your car<\/li><li>If you would prefer to always be towed back to your local garage if you break down, however far away from home you are<\/li><\/ul><p>Remember that cheapest isn\u2019t always best, so make sure to read the policy details so that you\u2019re not left out of pocket if your car breaks down.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Use our helpful guide to find the right breakdown cover for you.<\/p>\n","protected":false},"author":982,"featured_media":191253,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[3822],"class_list":["post-390265","page","type-page","status-publish","has-post-thumbnail","hentry","tag-insurance-latest-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare breakdown cover for 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Whether you&#039;re looking for the cheapest breakdown cover out there or the most comprehensive, use our helpful guide to find the right cover for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\" \/>\n<meta property=\"og:locale\" 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