GEM Breakdown Insurance

Car breakdowns can be a stressful and expensive hindrance but having a breakdown policy in place can help you get back on the road, there are a range of products available from different providers including GEM breakdown insurance, to help you decide what policy might be the right choice for you, you could use our comparison table below:

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 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.