GEM Motoring Assist

Compare GEM Motoring Assist cover

A vehicle breakdown can be a time consuming and costly inconvenience, but having breakdown cover in place can help get you going again. You can use our comparison table below to view a selection of different cover providers which might help you decide which is the best choice for you:


Compare Breakdown Cover Deals
ProviderOnline DiscountCover FeaturesSpecial Offers 
Up to 40%

Cover from just £29.99.

Free Onward Travel when you spend as little as £9.45 a month. Available on Roadside & Recovery & above. New members only for 1st year. T&Cs apply.Get Quotes >
n/aPrices start from £17.50
Economy cover - 4 call outs per policy term. Up to 1 hour roadside assistance. Recovery to local garage within 25 mile radius.
Multi Car Discount up to 15%Get Quotes >
Up to 40%Cover from just £25. (10% of customers achieve these prices)

50% off your AA or RAC renewal quote. - (For vehicles 10 years & under on our closest equivalent UK cover). Underwritten by U K Insurance Limited

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n/aGet 24 hour roadside recovery assistance from £39

Save up to £75 on fuel when you buy breakdown membership with added options. T&C's apply*

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n/aAverage response time 36 minutes - fastest cover in the country. Cover from £11.99. 5 Star rating from independent customer review agency Review Centre. Cover available for cars, vans, motorbikes & fleets

Unlimited Callouts per year No excess or callout charges, vehicle Home Start available, up to 1 hour Roadside Assistance, 75% of breakdowns repaired at roadside, covers the driver and up to 7 passengers, European Cover also available

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n/aCover from just £17.90

Half price MOT.

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* New customers buying options with breakdown membership and paying on an annual continuous basis will get a fuel card worth up to £75. This will be an AA prepaid MasterCard that can be used at any UK fuel station where MasterCard is accepted. To qualify, you’ll need to buy breakdown membership with at least 1 option (National Recovery, At Home, Onward Travel and/or Parts and Garage Cover). The value of the fuel card will depend on the number of options added to your cover: £20 card when adding 1 option, £30 card when adding 2 options, £50 card when adding 3 options, £75 card when adding 4 options. The card will be valid for 6 months from the date of issue. This offer is not available to Cashback Customers.

GEM Motoring Assist offers comprehensive protection - you don't want to find yourself stranded without knowing there's help on the way. Depending on which option you select Gem Motoring Assist cover could feature:

  • Repair of vehicles more than a quarter of a mile from your home carried out at the roadside
  • If you break down more than 25 miles from home and repairs can't be carried out that day, GEM can assist with onward travel or overnight accommodation up to the value of £200
  • Onward travel for you and up to seven passengers to a UK destination of your choice.
  • Overnight accommodation
  • Unlimited callouts
  • Defaqto 5 star rating
  • Recommended Which? Provider
  • Running out of fuel cover
  • Driver illness cover
  • A range of cover options
  • Home assistance cover
  • Cover up to 4 drivers
  • Cover for cars, motorbikes, motor-homes and classic vehicles
  • Cover for towed caravans and trailers
  • GEM cover vehicles of any age for the same price
  • Average call out time of around 40 minutes


GEM offer European breakdown cover policy called ‘Euro Plus’ with P J Hayman


With GEM Motoring Assist, you will be rescued by one of more than 6,000 recovery vehicles that they have available for their customers, so for complete peace of mind.


GEM are a provider of personal breakdown cover. This means that instead of you insuring one or more vehicles for breakdowns you insure yourself as a driver, and up to three others. So whatever vehicle you’re driving or a passenger of you will have breakdown cover.


Types of GEM Motoring Assist cover:


Recovery EXTRA

GEM’s Recovery EXTRA package offers you a comprehensive personal cover option, if you suffer a vehicle breakdown you just need to call GEM’s Rescue Control Centre and they will organise a mobile mechanic or recovery vehicle to come to your aid.


Recovery RECLAIM

The RECLAIM package offers you the same level of service, but at a cheaper premium. This is because you are required to pay upfront the cost of recovery or repair yourself, then later claim that money back from GEM later. You can contact the control centre or even make your own arrangements if you want to use your own preferred mechanic.


Finding breakdown cover

When in the market for breakdown cover you may want to consider more than just price, other factors such as; Average response time, customer reviews, comprehensiveness of cover  and bonuses or incentives offered to a provider’s members could all also play a part  in deciding which is the right choice for you, there are a wide range of providers of breakdown insurance so it is worthwhile to shop around to find the best choice for your specific needs.