{"id":334152,"date":"2020-09-16T11:13:00","date_gmt":"2020-09-16T10:13:00","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=334152"},"modified":"2026-04-15T16:38:05","modified_gmt":"2026-04-15T15:38:05","slug":"personal-breakdown-cover","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/breakdown-cover\/personal-breakdown-cover","title":{"rendered":"Personal breakdown cover"},"content":{"rendered":"<h3>What is personal breakdown cover?<\/h3><p>Personal breakdown cover is breakdown insurance that is attached to a person, not a specific car.<\/p><p>This means that a driver with personal breakdown insurance can drive any car and still be covered if it breaks down.<\/p><h3>What does personal breakdown cover include?<\/h3><p>Personal breakdown insurance often has the same features as vehicle breakdown \u2013 it&#8217;s just that the cover applies to a person instead of a car.<\/p><p>You can add personal car breakdown cover to an existing breakdown policy so that you&#8217;re covered to drive your own car, but also have cover when driving or riding as a passenger in other people&#8217;s cars.<\/p><p>Be aware that policy specs will vary by provider, for example providers like <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/aa\">The AA<\/a> will cover all vehicles of any age, whereas <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/green-flag\">Green Flag<\/a> only cover vehicles that are under 16 years old. However, most policies usually include the following options:<\/p><ul class=\"list-10\"><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 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\">National recovery<\/a> means that, if your car can&#8217;t 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&#8217;re driving in Europe.<\/li><li><strong>Onward travel.<\/strong> If your car can&#8217;t be fixed on the side of the road, 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><\/ul><h3>What doesn&#8217;t it cover?<\/h3><p>The cover is only valid if you are in the car when it breaks down, even if the car is registered to you.<\/p><p>Other exclusions will depend on the level of cover you choose.<\/p><p>For example, without national recovery, you won&#8217;t get the option to have your car towed anywhere in the UK. Without onward travel, you will have to make your own arrangements to continue your journey and won&#8217;t be reimbursed for the extra expense.<\/p><p>If you want to make sure you are covered for whatever happens, you can take out a comprehensive policy that contains all the elements above.<\/p><h3>Should I choose personal or vehicle breakdown cover?<\/h3><p>That depends on your circumstances.<\/p><p>If you regularly drive more than one vehicle and would like to be covered for all, then personal car breakdown cover is for you. It will also benefit you if you don&#8217;t have your own car, but regularly borrow one from a friend or family member.<\/p><p>If you just need breakdown insurance for your own car, <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/vehicle-breakdown-cover\">vehicle breakdown cover<\/a> will likely be a more economical option.<\/p><h3>Can I add other people onto my personal breakdown cover policy?<\/h3><p>Your personal breakdown cover is specific to you, but some insurers will let you add more people to the policy for an extra premium. Anyone you add has to live at the same address as the main policy holder.<\/p><p>How many people you can add and how much extra it will cost you will vary by provider.<\/p><h3>Pros and cons for personal breakdown cover<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><div class=\"gridExample\"><h4 id=\"Pros\">Pros<\/h4><ul class=\"list-4\"><li>Covers you for driving any car<\/li><li>Some policies include cover for vans and motorbikes<\/li><li>Covers you even as a passenger in someone else&#8217;s car<\/li><\/ul><\/div><\/div><div class=\"u-grid__col u-1\/2@s\"><div class=\"gridExample\"><h4>Cons<\/h4><ul class=\"list-13\"><li>It&#8217;s usually more expensive than vehicle breakdown cover<\/li><li>Only applies if you are in the car<\/li><\/ul><\/div><\/div><\/div><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=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Which is best \u2013 personal or 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=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The answer to this question depends on your circumstances. The cover is similar for both options, the difference is what it covers \u2013 the driver or the car.<\/p><p>If you often drive more than one vehicle, or if you don&#8217;t have your own car but borrow one from friends or family members on a regular basis, personal breakdown cover is probably more suitable to your needs. Note this also covers you as a passenger in someone else&#8217;s car in case you break down and they don&#8217;t have breakdown cover.<\/p><p>If you mainly drive just the one vehicle, then <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\/vehicle-breakdown-cover\">vehicle breakdown cover<\/a> is a better option for you, as it tends to be cheaper to take out.<\/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=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I pay monthly for personal 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\">Some insurers will allow you to pay for your personal car breakdown cover in monthly instalments, but note this might incur an interest so can be more expensive overall.<\/p><p>Your other option is to pay for your cover in one lump sum up front, which might be a requirement for cover by some insurance companies.<\/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\">How many times can I claim on personal 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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Different insurers set different limits. With some policies, you will only be allowed to claim on your insurance a certain number of times per year, whereas others offer unlimited callouts.<\/p><p>The latter option is likely to be more expensive, but if you drive often and are worried about breaking down away from home, it can end up being more economical than a policy with restrictions on claims.<\/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\">What kind of vehicles am I covered in?<\/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\">You are covered to drive any vehicle. Some policies even include motorbikes and vans.<\/p><p>However, note that most insurers will exclude commercial vehicles from their cover. If you need to cover a vehicle for work purposes, look at specialist insurers, like <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/zego-insurance-review\">Zego<\/a>, or specialist policies like <a href=\"https:\/\/www.finder.com\/uk\/van-insurance\/commercial-van-insurance\">commercial van insurance<\/a>.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing 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>","protected":false},"excerpt":{"rendered":"<p>Find out what personal breakdown cover is, how it differs from vehicle breakdown cover and what&#8217;s included in the policy.<\/p>\n","protected":false},"author":845,"featured_media":189671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2886],"tags":[2562],"asset_tag":[],"class_list":["post-334152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-breakdown-cover","tag-finance-homepage-news"],"apple_news_notices":[],"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 personal breakdown cover quotes | Finder UK<\/title>\n<meta name=\"description\" content=\"Looking for personal breakdown cover? 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