Breakdown Cover

The Basics of Breakdown Cover

Unfortunately, motorway accidents can and will happen from time to time. Whether referring to a flat tyre, a dead battery or a more serious incident, your insurance policy alone may not be enough to get you back on the road. This is why a growing number of consumers throughout the United Kingdom are opting for a policy addendum known as breakdown cover. How does this plan work, what are your different options and which providers offer the best services?

The Types of Breakdown Coverage

Breakdown coverage can generally be separated into two discrete categories. Traditional plans require you to pay a yearly fee. With this fee, you will be provided with 24/7 roadside assistance as well as towing to the nearest garage and battery charging. The second option is similar to an insurance policy. In this case, you will need to pay any up-front costs associated with breakdown and transport. You can then claim these payments from your provider.

Coverage Levels

The level of coverage will depend upon the provider but still, there are a few general guidelines which tend to be common. For example, your plan will have a coverage limit (perhaps £500 or £1,000 pounds). You will then be required to pay the remaining balance. There is also likely to be a limit on how many times this service can be used per year as well as an excess required each time you file a claim.


Depending upon your vehicle and your travel requirements, you may desire to opt for some extras. Examples here can be glass, a longer radius that is served by the provider, European coverage if you are travelling abroad often and tyre changes. There can even be times when at-home coverage is a good idea; the company will service or tow your vehicle to a garage even if it experience problem while on your property.

A Look at the Top Breakdown Coverage Providers

As of 2016, some of the top companies which offer this service are:

  • RAC
  • AA
  • Kwik Fit


Ate the time that this article was written, RAC offers basic policies from £29.99 pounds a year. The contract can be renewed on an annual basis and the average call-out time is approximately 34 minutes.

AA offers a slightly more expensive policy at £34.99 pounds a year. Personal coverage is available for £49.99 pounds a year. There is no age restriction in terms of this coverage and like RAC, the call-out time is approximately 34 minutes.

Kwik Fit provides basic coverage for only £12.70 a year and personal coverage is quoted at £27.71 pounds. Keep in mind that call-out times of 39 minutes are slightly longer and these rates will increase if the vehicle is more than five years old.

These are some of the basic factors to keep in mind as well as three of the top providers within the United Kingdom. So, making an informed decision should now be much more of a reality!