Personal Breakdown Cover Comparison
Compare Personal Breakdown Cover
Personal breakdown insurance covers you rather than a particular, named vehicle and may be the right option if you drive multiple cars.
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If you’re looking for cheap personal breakdown cover, you can find a range of price cuts across selected providers. Just look for our price cut banner when comparing quotes, to see which of our individual breakdown providers could offer you a discount.
In the case of a breakdown when you haven't got a breakdown policy, it is possible to purchase instant breakdown cover by the roadside. Your new provider will dispatch a mechanic right away.
It is not possible to purchase instant coverage online and has to be done by phone with a licensed advisor.
Depending on your breakdown policy, some will include coverage for breakdowns overseas as standard, while others may only offer it as an add-on. You may even be able to add it to your policy at any time, though you may pay a higher rate for the additional coverage.
You should also check to see what countries are covered – for example, the locations included in a European breakdown policy may differ depending on the provider you choose.
Generally, you will have the option of paying annually or monthly, depending on what you want to do. There are, however, some providers where you may be able to get a lower price if you pay in a certain way.
What is personal breakdown cover?
Personal breakdown insurance covers you, not a specific vehicle in the event you have a problem with your vehicle. The coverage applies to the vehicle you are driving, not to the vehicle you named.
This is great news for families with more than one vehicle as you’d be covered no matter which one you’re driving at the time of the breakdown.
What's covered with personal breakdown cover?
Depending on who your breakdown provider is and which policy you have, you may be covered for:
- European breakdown cover
- Roadside assistance or recovery
- Vehicle recovery
- Home start/Home recovery
- Onward travel
- Replacement of key, tyre and battery
What is not covered with personal breakdown cover?
The details of your vehicle breakdown policy will depend on your insurance provider, so make sure you check the terms and conditions for any limitations.
Taking a supercar or a classic vehicle for a spin, for example, probably won’t qualify to be covered.
In addition, you should confirm your policy covers you when towing a caravan or driving a motorhome. You may need a specific caravan breakdown cover to extend your coverage.
The last thing you want is to break down and have to fork out a load of extra cash for roadside recovery because your policy isn’t what you thought it was and you are not covered.
Do I need personal breakdown cover or something else?
There are a few other options for alternative ways to cover yourself such as:
Vehicle breakdown cover
Vehicle breakdown cover applies to a particular named vehicle, rather than to you as an individual. That means you would only be covered if you drove the exact vehicle that has been named on the policy documents.
Business breakdown cover
With a business breakdown policy, you can cover the vehicles in your fleet of commercial cars, vans, or motorcycles.
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