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Breakdown Cover Comparison Checklist
Step 1 of 10%
How it works
This checks your typical use (urban vs touring, frequency of long trips, whether you drive abroad) and recommends the cover level. Most drivers don't need top-tier — a packaged bank account often gives Home Start + Onward Travel free.
Worked example
Daily commuter, no long trips, no Europe → basic Roadside + Home Start, ~£40/year. Family driver doing 12k miles + summer France trip → full Onward Travel + European, ~£100–£180/year.
Who should use this
- •New car owners deciding cover level
- •Drivers comparing renewal vs switch
- •People with packaged bank accounts checking what's already included
Common mistakes
- ×Buying European cover for UK-only driving
- ×Paying twice — many credit/bank accounts include cover
- ×Not adding Home Start when most breakdowns happen on drives
- ×Picking the cheapest without checking 'per incident' or annual call-out limits
Frequently asked questions
Do I need breakdown cover?▾
Not legally, but a single recovery without cover is often £100–£250+, more than a year's premium.
Personal or vehicle cover?▾
Personal covers you in any car (driver or passenger). Vehicle covers one specific car for any driver. Pick based on your situation.
Does insurance include breakdown?▾
Rarely. Some 'Plus' insurance products include it — check before buying separately.