Breakdowns happen when you least expect them, and having the right breakdown cover can save you time, money, and stress. Whether you commute daily, take long road trips, or drive occasionally, having a reliable breakdown policy ensures that you’re never stranded for long. This guide explains what breakdown cover is, the different types available, how much it costs, and how to choose the best policy for your needs.
What Is Breakdown Cover?
Breakdown cover is a type of insurance that provides assistance if your vehicle breaks down. It typically includes roadside repairs, towing, and other services to get you back on the road as quickly as possible. Policies can cover the driver, the vehicle, or both, depending on the level of protection chosen.
How Breakdown Cover Works
If your car breaks down, you call your breakdown provider’s helpline.
A recovery vehicle is sent to your location.
If the issue can be fixed on the roadside, the technician will repair your vehicle.
If it cannot be repaired immediately, your vehicle may be towed to a garage.
Depending on your policy, you may receive onward travel assistance, such as a courtesy car or hotel accommodation.
Types of Breakdown Cover
There are different types of breakdown cover to suit different needs. Here’s an overview of the main options available in the UK:
1. Roadside Assistance
Basic level of cover that sends help if you break down away from home.
If your vehicle cannot be repaired at the roadside, it will be towed to a nearby garage.
Does not include home breakdowns.
2. Nationwide Recovery
Includes roadside assistance and towing to any location in the UK.
Ideal for those who travel long distances.
Usually costs more than basic roadside assistance.
3. Home Start
Provides cover if your car won’t start at home.
Useful for cold weather breakdowns and battery failures.
Typically an add-on to standard policies.
4. Onward Travel Cover
Includes alternative transport, hotel accommodation, or a courtesy car.
Ideal for long journeys to prevent travel disruptions.
Costs more than basic breakdown cover.
5. European Breakdown Cover
Covers breakdowns while driving in Europe.
Often includes repatriation of your vehicle back to the UK if it cannot be repaired.
Costs more than UK-only cover.
What Does Breakdown Cover Include?
Breakdown cover policies vary, but standard plans typically include:
Roadside repairs – A mechanic will attempt to fix the issue at the roadside.
Towing (Recovery) – If repairs aren’t possible, your vehicle will be towed to a garage.
Home assistance – Some policies cover breakdowns at your home address.
Onward travel – Some plans provide alternative transport, accommodation, or car hire.
Battery replacement – Many providers offer jump-start services if your battery is flat.
Lost keys – Some policies cover locksmith services or key replacement.
How Much Does Breakdown Cover Cost?
The cost of breakdown cover depends on several factors, including:
Level of cover – Basic roadside assistance is cheaper than policies with nationwide recovery and onward travel.
Personal vs. vehicle cover – Covering a specific car is usually cheaper than covering the driver in any vehicle.
Provider – Prices vary among insurers such as the AA, RAC, and Green Flag.
Payment type – Annual policies are often cheaper than pay-per-use breakdown cover.
Average Costs
Basic roadside assistance: £30–£50 per year.
Nationwide recovery: £80–£120 per year.
Full cover including home start and onward travel: £150+ per year.
Breakdown Cover vs. Car Insurance: What’s the Difference?
Many people confuse breakdown cover with car insurance, but they are different:
Car insurance covers damage to your car, theft, and third-party liability.
Breakdown cover provides assistance if your car stops working but does not pay for repairs.
Some insurers offer breakdown cover as an add-on to car insurance policies, but standalone policies often provide more flexibility and better coverage.
How to Choose the Best Breakdown Cover
When selecting a breakdown cover policy, consider:
Your driving habits – Do you mainly drive locally or take long journeys?
Your budget – What level of cover can you afford?
Exclusions – Some policies have restrictions on vehicle age and breakdown causes.
Response times – Check provider reviews for response speed and reliability.
Best Breakdown Cover Providers in the UK
Several major companies offer breakdown cover in the UK, including:
The AA – Well-known for its fast response times and nationwide coverage.
RAC – Offers innovative services like battery replacement at the roadside.
Green Flag – Affordable breakdown cover with no call-out limits.
Start Rescue – Competitive pricing with high customer satisfaction.
FAQs About Breakdown Cover
1. Do I Need Breakdown Cover If I Have Car Insurance?
Breakdown cover is not included in standard car insurance policies, so you need to purchase it separately unless your insurer offers it as an add-on.
2. Can I Get Breakdown Cover for an Older Car?
Yes, but some providers may charge more or exclude vehicles over a certain age.
3. Can I Use Breakdown Cover Immediately?
Many providers have a 24-hour waiting period before you can use the service, but some offer immediate cover.
4. Can I Get Breakdown Cover for a Motorbike or Van?
Yes, many breakdown providers offer cover for motorbikes, vans, and even campervans.
5. What Happens If My Car Breaks Down Without Cover?
You’ll need to pay for roadside assistance, towing, and any necessary repairs out of pocket. Pay-on-demand recovery services can be expensive.
Final Thoughts
Breakdown cover is an essential service for UK drivers, providing peace of mind and practical assistance if your vehicle breaks down. Whether you opt for basic roadside assistance or a comprehensive policy with nationwide recovery and onward travel, choosing the right breakdown cover ensures you’re never left stranded.
Before purchasing, compare different providers and coverage levels to find the best plan for your needs and budget. If you drive regularly, investing in a breakdown policy can save you money and hassle in the long run.
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