Gem Breakdown Insurance
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- Easy online form
- Choose level of cover: roadside assistance, vehicle recovery, home assistance, onward travel, plus extras
- Personal or Vehicle cover
- Instant quotes
- UK & European cover
Free Onward Travel for 12 months when you choose National Recovery
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Free Onward Travel for 12 months when you choose National Recovery
GEM Breakdown Insurance
GEM can help you to get moving again if your car breaks down while you are on the road. Some of the benefits and features of GEM breakdown insurance include:
- 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
- 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
GEM breakdown insurance is personal cover, which means you as an individual get breakdown cover, so no matter if you are driving your own car, a friend’s car or even a hire car you have breakdown cover. You can take out cover for up to 4 people under the same policy as well.
Types of GEM breakdown insurance cover:
GEM offer a ‘Recovery EXTRA’ plan and a ‘Recovery RECLAIM’ plan.
- Recovery EXTRA – Gem’s Recovery EXTRA plan is fully comprehensive, if you experience a vehicle breakdown you just need to contact the GEM Rescue Control Centre and they will arrange for a mechanic to come out to repair or recover your vehicle
- Recovery RECLAIM– With this type of policy you pay for any repairs or recovery upfront and then reclaim the appropriate costs from GEM later. You can either contact their control centre or make arrangements yourself with a specialist garage or preferred mechanic. As you reclaim your own costs back the premiums for this plan are slightly cheaper.
Before you take out a breakdown policy
There are a wide range of providers of car breakdown insurance in the UK, so shopping around before you take out a policy is a good idea, in addition to considering levels of cover, price and callout times you will find that many providers offer many special bonuses for their members such as discounts, they may also offer special incentives to join throughout the year.
Breakdown Offers
What does breakdown insurance for my car cover?
Although what each provider will cover you for varies in general they can help you with many other aspects than just a mechanical fault with your vehicle, for instance they could help if you lock your keys inside the car or if you run out of fuel on your journey.
Car breakdown cover plans come in different forms but generally provide a home option whereby if your car is within a certain mileage from your home the breakdown company will provide assistance.
- Roadside plans require normally that you are outside a certain distance from home and if the vehicle cannot be repaired then it will be towed to a garage within a certain distance.
- More comprehensive plans will provide additional services such as transporting you to your intended destination, putting you up for the night in accommodation if necessary, and car hire. It is important that you understand what your breakdown plan is covering you for so there are no unexpected surprises if your vehicle breaks down.
You will also find that to incite customers many breakdown insurance providers offer special discounts and incentives throughout the years, therefore you may want to view what offers are currently available from the different providers before you make your decision.
What are the different types of breakdown insurance?
Roadside plans require normally that you are outside a certain distance from home and if the vehicle cannot be repaired then it will be towed to a garage within a certain distance.
More comprehensive plans will provide additional services such as transporting you to your intended destination, putting you up for the night in accommodation if necessary, and car hire.
It is important that you understand what your breakdown plan is covering you for so there are no unexpected surprises if your vehicle breaks down.
What is roadside recovery insurance?
Car Breakdown Insurance Providers
Greenflag Offer
Save up to 40% off phone prices when you buy online breakdown cover
- From £25 pa (Rescue Level)*
- Add on Roadside & National Recovery
- European cover option also available