Breakdown Cover Insurance
The level of competition in the UK Breakdown Cover Insurance market has increased significantly over the last 10 years.
Compare up to 10 breakdown providers
You could pay from £15.49 per year*
97% of reviewers recommend Quotezone
*Based on quote data provided by Seopa Ltd during May 2025. This quote was provided to the majority of customers. The quote price you could achieve is dependent on your individual circumstances.
Click through on the ‘Get a Quote’ button above to compare breakdown insurance quotes from dozens of the leading UK breakdown insurers, and obtain the most suitable cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Top 8 FAQs for UK Breakdown Cover Insurance
What is breakdown cover?
Breakdown cover is an insurance policy that helps you if your vehicle breaks down. It typically includes roadside assistance, recovery, home start, and optional extras like onward travel or European cover.
What types of breakdown cover are available?
Most UK providers offer: Roadside Assistance (fix at the roadside or tow to a nearby garage); National Recovery (recovery to any UK destination); Home Start (help if the vehicle won’t start at home); Onward Travel (courtesy car, accommodation, or transport); European Breakdown Cover.
Can I get breakdown cover for any vehicle?
Most insurers cover cars, vans, motorbikes, and sometimes caravans. Each provider has age, size, or weight restrictions, so checking your vehicle’s eligibility is essential.
What’s the difference between personal and vehicle breakdown cover?
Personal cover: Protects you, meaning you’re covered in any vehicle you’re driving or travelling in. Vehicle cover: Covers a specific vehicle, no matter who drives it.
How quickly will help arrive?
Response times vary by provider and location, but many aim to reach customers within 30–60 minutes. Rural areas may take longer. Some insurers offer real-time tracking through their app.
Does breakdown cover include parts and repairs?
Roadside repairs are normally included, but replacement parts, specialist labour, or garage repairs are usually paid for by the customer unless you have additional cover such as parts & garage labour.
Does breakdown cover include flat batteries, punctures, and running out of fuel?
Yes—most policies cover common issues such as: Flat batteries; Punctures; Lost keys; Wrong fuel or no fuel; Overheating. However, some of these may trigger extra fees depending on your policy.
Can I use breakdown cover immediately after buying it?
Some providers offer immediate assistance, but others impose a 24-hour activation period to prevent breakdowns being reported after the fault occurs. It varies by insurer.
With the help of HomeApproved you can obtain cheaper breakdown cover prices now! Search over 10 insurance providers – for free. Fill in one form and receive immediate results with no obligation. Their are now several high profile organisations competing for your business, which means premiums have been reduced and cover levels have gone up. This benefits you the consumer, but their is still a choice to make about which particular provider and policy is right for you and your vehicle.
Although the technical and engineering capabilities of the modern motor manufacturer have led to there being fewer breakdowns as a result of more reliable new cars, there is always the possibility that you could breakdown just when you least expect it. Also with increasingly warm summers and variations in the UK climate, now is a sensible time to enquire after suitable breakdown cover insurance.
There are several different types of breakdown and roadside rescue packages offered by the major insurers such as The RAC, The AA and Green Flag Breakdown. It is wise to read through the different offering from each insurer to compare not only the latest deals but also the finer points of each policy. A useful starting point is to decide whether you wish to insure yourself driving any vehicle, or cover for just one vehicle.
A very useful resource to assist you in your car maintenance efforts is provided by the BBC. Utilise the drop down menu’s containing information and guidance on areas such as brakes, tyres, changing the oil, exhausts, and steering etc.
Make sure you check the details of each individual policy as well as the price when comparing quotes. This is important as you will then know what your breakdown service offers so you can be sure you’re covered for all your needs.
