GEM Breakdown Cover

Compare GEM breakdown cover

Vehicle breakdowns can be both stressful and expensive, but by taking out the a breakdown insurance policy you can try to make sure that if one does occur you can get going again with minimal expense. You can check the comparison table below to view a selection of different breakdown policy providers and click the links 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

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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

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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*

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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 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 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.

GEM breakdown cover offers comprehensive protection with various features including:

  • 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
  • GEM is a provider of personal breakdown cover, so your policy means that you are covered for breakdowns so no matter what vehicle you are driving, if it breaks down your policy should cover you.
  • 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
  • Access to over 6,000 recovery vehicles



Types of GEM Motoring Assist cover:


Recovery EXTRA

GEM’s Recovery EXTRA package means that if your car suffers a breakdown all you need to do is call their Rescue Control Centre. They will then arrange for a mechanic to come repair the vehicle at the roadside or for a recovery.


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 for the vehicle repair or recovery upfront, which you can then reclaim back from GEM afterwards. You can either use your preferred mechanic or contact the GEM Rescue Control Centre to have their arrange help on your behalf.


European cover

Gem breakdown cover also offer a European breakdown cover policy called ‘Euro Plus’ with P J Hayman


Before you apply for breakdown cover

If you are thinking about taking out breakdown insurance, before you do so it may be a good idea to shop around, by comparing the market you may be able to find the best deal available on the level of cover you want. In addition to thinking about the cost of different policy providers you may also want to think about other factors such as; customer reviews, average response time and the number of free callouts you are entitled to a year.