Emergency Breakdown Cover

Compare emergency breakdown cover

Getting stuck by the road in the cold due to a vehicle breakdown constitutes an emergency in many motorists’ view; therefore having a good level of emergency breakdown cover in place, to get you moving again could be a good idea. Check the comparison table below to a view a selection of providers and click the links in order to get quotes:

Compare Breakdown Cover Deals
ProviderOnline DiscountCover FeaturesSpecial Offers 
n/aCover from £25. (10% of customers achieve these prices online)

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

Get Quotes >
n/aPersonal cover from £8 per month

Don’t let a breakdown spoil your summer – Join now and get FREE Onward Travel and FREE Key Replace. New customers. Selected cover levels. T&Cs; apply. 4 out of 5 breakdowns fixed at the roadside. We'll fix you and get you on your way on average in just 30 minutes, 92% of members recommend the RAC. Rated 4 out of 5 stars on Trustpilot, making RAC the most trusted breakdown provider

Get Quotes >
n/aNo matter the vehicle type or age you can rest assured you are in safe hands with one of the UK’s leading specialistsAny vehicle covered, any age. With our Full UK cover you are covered in every eventuality, from assistance at the roadside and your home address, through to overnight accommodation, hire car and onward travel should you vehicle not be immediately repairable.Get Quotes >
n/aGet 24 hour roadside recovery assistance from £39

Enjoy free At Home cover. New customers buying AA Breakdown Cover with National Recovery can add At Home cover at no extra cost. T&C;'s apply*

Get Quotes >
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

Get Quotes >
n/aCover from just £17.90

Half price MOT.

Get Quotes >

* New customers buying any combination of National Recovery, At Home and Onward Travel options with breakdown membership and paying on an annual continuous basis will get an M&S or Amazon.co.uk Gift gift card worth up to £50. To qualify, you’ll need to buy breakdown membership with at least 1 option (National Recovery, At Home and/or Onward Travel). The value of the gift gift card will depend on the number of options added to your cover - £20 gift gift card when adding 1 option, £30 gift gift card when adding 2 options, £50 gift gift card when adding 3 options.

Emergency breakdown cover

There are a number of providers of emergency breakdown cover, so it worth shopping around before you take out a policy to compare the market and find the best deal on the level of cover you desire, remember however that the cheapest option may not always be the best in addition to considering price you might also want to factor other things into your decision such as;

  • Average response time
  • Customer ratings
  • Join up incentives
  • Member benefits
  • Number of free call-outs allowed a year
  • Whether a provider offers their service nationwide


Personal or vehicle cover

A provider may offer you the choice of taking out either personal or vehicle cover, it’s important to understand what each means in order to make the best choice for your specific situation.


  • Vehicle Cover: Essentially this covers a vehicle for breakdowns no matter who is driving it when one occurs, some providers will let you add additional vehicles onto the same policy for a discounted price.


  • Personal Cover: This type of cover works on an individual basis, so the policy holder will be insured for vehicle breakdowns in any privately registered car. As such this level of cover is normally more expensive. Some providers allow joint or household policies which provides cover for multiple individuals who live at the same address.


Levels of cover

So you don’t need to pay extra on cover you do not want many providers let you purchase breakdown insurance at different levels of comprehensiveness so you can tailor your policy to your needs. The names and exact features of these levels  of insurance will vary by provider but may include:


  • Roadside cover: Usually the cheapest level offered by an insurer, providing you breakdown over a set distance from your home it will offer you set amount of time of free roadside labour from a mobile mechanic and if they cannot fix your vehicle there and then it will also include recovery to a nearby garage. The distance your vehicle has to be from your registered home address for your cover to be active varies by provider but is often either 0.25 of a mile or 1 mile.


  • Home cover: This cover level usually includes all of the features of the roadside package, but means you will still be covered for breakdowns that happen near or at your home address.


  • National Recovery: This type of cover means that if your car can’t be mended by the mechanic at the roadside then rather than just being towed to the nearest garage, you get the option of you, your vehicle and any passengers being taken to a single location of your choice anywhere in the UK.


  • Onward Travel: This cover level can present you with more options to continue your journey if your vehicle cannot be readily repaired. This cover level can vary considerably between providers but it might mean your insurer offers you alternative transport costs, overnight accommodation somewhere near where your vehicle is being repaired or a hire car for a limited period of time.


  • European Cover: provides breakdown cover if you are driving elsewhere in Europe than just the UK.