Compare Breakdown Cover Quotes
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*Based on quote data provided by Seopa Ltd during November 2024. This quote was provided to the majority of customers. The quote price you could achieve is dependent on your individual circumstances.
What you'll need to compare breakdown cover
Your Vehicle Details
Information about your vehicle including make, model, and year. This helps providers assess the coverage requirements for your vehicle.
Personal Information
Basic info like your name, address, and contact details to help set up your breakdown cover policy.
Coverage Requirements
Decide whether you need home start, roadside assistance, national recovery, or European cover. Consider your journeys and budget.
What is breakdown cover?
Breakdown cover is there to help you get back on the road if your vehicle stops working. Professional assistance will be sent to repair your vehicle on the side of the road or tow it to a repair garage if needed.
You can take out breakdown cover for your car, van or motorbike. Most standard motor insurance policies will not automatically include breakdown coverage. Whether you are looking for personal or vehicle breakdown cover, Mysupermarketcompare.com is here to help you find better quotes.
By comparing multiple quotes, you could pay as little as £15.49* per year for your breakdown cover with MySupermarket Compare, potentially saving significant amounts on your annual policy while ensuring you have the protection you need when traveling.
How does breakdown cover work?
Breakdown cover typically covers you for a 12-month period and works in a similar way to an insurance policy. When you compare breakdown cover, you'll be asked for the type of coverage you want and any optional extras you want to include.
The process is simple:
- Choose and purchase a breakdown cover policy that suits your needs
- If your vehicle breaks down, call your breakdown provider's emergency number
- A recovery vehicle will be dispatched to your location
- The mechanic will attempt to fix your vehicle at the roadside
- If they can't fix it, they'll tow your vehicle to a garage or your chosen destination (depending on your level of cover)
The level of service you receive depends on your policy type. Some policies offer basic roadside assistance, while others include home start, national recovery, and even European coverage for comprehensive protection.
Types of breakdown cover
Local Breakdown Cover
This cover typically offers roadside assistance or transport for your car and passengers to the nearest garage. Coverage usually starts when you are beyond a mile from your home.
Key features:
- Roadside repairs for minor issues
- Towing to a nearby garage if needed
- Usually limited to a specific area or distance
- Often the most affordable option
- Distance limits vary by provider, so check coverage details
Nationwide Breakdown Cover
Nationwide cover offers similar coverage for a wider area, usually the whole of the UK. This gives you the option of where you want to be towed.
This is a good option if you regularly travel longer distances within the UK.
- Coverage throughout the UK
- Options for home destination recovery
- May include accommodation if vehicle can't be fixed
- More comprehensive than local coverage
- Often includes onward travel options
European Breakdown Cover
European breakdown cover gives you all the coverage you would get at home, while you are traveling in Europe. Providers often include more extras in these policies.
Essential if you're planning to drive abroad, especially for extended trips.
- Coverage across European countries
- May include onward travel or courtesy car
- Often covers repatriation costs
- Available as single trip or annual multi-trip
- Language support when dealing with foreign garages
Breakdown cover options
With breakdown cover, you can choose to cover yourself, or a vehicle. Many providers will allow you to cover up to four vehicles, or persons on a single policy, as long as they are registered to, or live at the same address.
Personal Cover
Personal cover is where a named driver is covered against breakdowns rather than a specific vehicle. This means you can call for breakdown assistance if you are driving any vehicle that meets your policy conditions, even if it's not your own.
- Covers you in any vehicle you drive
- Useful if you regularly drive different vehicles
- Usually more expensive than vehicle cover
- Typically covers you as a driver or passenger
- Available with various levels of assistance
Vehicle Cover
This covers a specific car, van or motorbike against breakdown and is not restricted to use by the vehicle's owner. This means any motorist can use the vehicle and be covered against breakdown. These motorists would still need the permission of the owner of course.
- Covers the vehicle regardless of who's driving
- Often cheaper than personal cover
- Ideal for family vehicles with multiple drivers
- Good option if you only drive one vehicle
- Multi-vehicle policies available for households with multiple cars
What is the best breakdown cover?
The easiest way of finding the best breakdown cover for you is to consider your coverage needs and overall budget. While cheap breakdown cover is usually the first thing motorists will search for, it is still important to think about your level of cover too. The cheapest breakdown cover may not always offer you the best level of coverage.
To find the right level of breakdown cover for you it is a good idea to compare multiple breakdown cover providers. This way you can get a good idea of what prices and levels of cover are available to you – making it easier for you to choose the best breakdown cover for your needs.
What does breakdown cover include?
Breakdown cover can provide instant peace of mind and someone to call in case your vehicle stops working. Here is what different levels of breakdown cover typically offer you:
Home start
If your vehicle breaks down or doesn't start while it's still in your driveway, home start recovery will get you back on the road.
Roadside assistance
This is the most common and often cheapest kind of roadside assistance. It provides help if you break down away from home.
European cover
This will offer you breakdown cover for travelling in Europe. European cover is typically not included with standard breakdown coverage.
Onward travel
Onward travel will help you continue your journey when your vehicle is no longer working, which may include car hire, accommodation, or public transport.
National recovery
This cover will offer roadside assistance along with transportation of your vehicle to any location in the UK if it cannot be fixed on the spot.
What extras can be added to breakdown cover?
Tyre replacement
If you get a punctured tyre and need roadside assistance, having tyre replacement can be a handy add-on to have.
Key replacement
Key replacement can be a useful extra to add to your breakdown coverage. It can cover you against stolen, lost or damaged keys.
Misfuelling
If you accidentally put the wrong fuel into your vehicle, then misfuelling cover will help you remove it. 'Out of fuel cover' can also be used to get your vehicle back on the road although you will need to pay for the fuel yourself.
Battery replacement
Having battery coverage included in your breakdown policy will protect you when your battery runs out or needs to be replaced.
Special vehicle cover
If you tow a caravan or trailer then you may require special breakdown cover to ensure both your vehicle and what you're towing are protected.
How much does breakdown cover cost?
The cost of breakdown cover will vary depending on several factors. Understanding these can help you find the right balance of coverage and cost.
Your level of coverage
Roadside assistance is the most basic and cheap level of breakdown coverage. It will only cover you for breakdowns on the road and does not cover home start. Onward travel or home start insurance is the most comprehensive cover and typically more expensive.
Your vehicle
The type of vehicle you drive will impact your breakdown insurance premiums. This means your premiums for your chosen level of cover will vary depending on if you are insuring a van, car, bike, or caravan.
Number of vehicles
If you are looking for multi-vehicle breakdown cover then you will typically need to pay more for your cover. It is common for the cost of breakdown coverage to increase with each additional vehicle added to your policy.
Optional extras
Breakdown cover can come with some additional add-ons to help you get the cover you need. If you decide to add-on replacement tyre or car key cover then you will typically pay more.
Looking for cheap breakdown cover?
Compare up to 10 different breakdown cover providers with Mysupermarketcompare.com to find the best deal.
Get Breakdown Cover QuotesHow to get cheap breakdown cover
There are a few things you can do to save on your breakdown cover without compromising on the protection you need.
Compare policies
Comparing multiple policies is the easiest way of finding cheap breakdown cover that's right for you. By comparing multiple policies you can significantly increase your chances of finding cheaper breakdown cover.
Don't auto-renew
Allowing a policy to auto-renew means you may be missing out on policies from other providers that are cheaper. Always shop around before renewing your existing coverage.
Joint policy
Getting a joint policy with your partner is typically cheaper than taking out individual breakdown cover. This can provide significant savings for households.
Vehicle over personal
Opting for vehicle cover over personal cover can usually offer you more value for money as you'll be covered for all the vehicles you drive, which is ideal for families with a single vehicle.
Breaking down without breakdown cover?
If you break down without breakdown cover then you can still get emergency cover to start immediately. This option is typically more expensive as emergency call-out fees usually apply. It is recommended that you have breakdown cover already in place to save on expensive emergency call-outs.
Can I get breakdown cover with my car insurance?
It is not common for breakdown cover to be included with standard car insurance policies. This is because insurers tend to view breakdown cover as a separate product. Some comprehensive car insurance policies will offer policyholders breakdown cover as standard. Check your policy details to see if your car insurance comes with breakdown cover.
How do I compare breakdown cover?
Mysupermarketcompare.com can help you compare breakdown cover from over 10 top UK providers – simply enter your coverage requirements and a few basic details to start comparing breakdown cover.
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