How to Choose the Right Motor Breakdown Cover? A Comprehensive Guide to Selecting the Right Motor Breakdown Insurance

Experiencing a motor breakdown can be a frustrating and stressful situation, especially when it leaves you stranded on the side of the road.

Experiencing a motor breakdown can be a frustrating and stressful situation, especially when it leaves you stranded on the side of the road. In the UK, motor breakdown insurance provides invaluable assistance during these unexpected events, ensuring that help is just a phone call away. However, with a variety of options available, choosing the right motor breakdown cover can be overwhelming. In this blog, we will guide you through the process of selecting the most suitable motor breakdown cover in the UK.

Evaluate Your Needs:

The first step in choosing motor breakdown cover is to evaluate your needs and priorities. Consider factors such as your typical driving patterns, the age and condition of your vehicle, and the level of coverage you desire. For instance, if you frequently travel long distances or rely heavily on your vehicle for work, you may require a more comprehensive breakdown cover that includes services like nationwide recovery and onward travel assistance.

Determine the Level of Cover:

Motor breakdown cover typically comes in different levels, offering varying degrees of assistance. The three main levels of cover are:

a. Roadside Assistance: This level of cover provides assistance if your vehicle breaks down a certain distance from your home. It usually includes services like on-the-spot repairs, battery jump-starts, and emergency fuel delivery.

b. Vehicle Recovery: Vehicle recovery cover extends roadside assistance by offering transportation of your vehicle and passengers to a local garage or a destination of your choice if it cannot be fixed at the roadside.

c. Home Start and Onward Travel: This is the highest level of cover, which includes both roadside assistance and vehicle recovery. It also offers additional benefits such as home start assistance if your vehicle fails to start at home, and onward travel options like a replacement vehicle, alternative transportation, or accommodation if your vehicle cannot be repaired promptly.

Research Providers:

Once you have determined the level of cover you require, it's time to research different breakdown cover providers. Look for reputable and well-established companies with a track record of reliable service and positive customer reviews. Consider factors such as their response time, availability of 24/7 assistance, and the extent of their network of breakdown specialists.

Compare Coverage and Services:

When comparing motor breakdown cover providers, carefully evaluate the coverage and services they offer. Look for features that align with your specific needs, such as cover for any driver of your vehicle, coverage for specific types of vehicles (e.g., motorcycles or vans), or specialized services like key replacement or assistance with misfuelling. It's important to choose a provider whose coverage and services match your requirements as closely as possible.

Consider Additional Benefits:

Some motor breakdown cover policies offer additional benefits that can enhance your overall experience. These may include European breakdown cover for those planning to travel abroad, coverage for legal expenses related to a breakdown, or discounts on other services such as hotel accommodations or car rentals. Assess these additional benefits and determine if they add value to your chosen breakdown cover.

Examine Policy Exclusions and Limitations:

Before finalizing your decision, thoroughly review the policy exclusions and limitations of the breakdown cover you are considering. This includes understanding any age restrictions on the vehicle, mileage limitations, and exclusions for pre-existing conditions or known faults. Pay close attention to any restrictions that may affect your eligibility for certain services or affect the validity of your cover.

Assess Pricing and Payment Options:

Pricing is a significant factor when choosing motor breakdown cover. Compare the premiums charged by different providers and consider any discounts or offers that may be available. Additionally, examine the payment options offered—some providers may allow you to pay annually, quarterly, or in monthly installments. Choose a payment plan that is convenient and manageable for you.

Read and Understand the Policy Terms:

Before making a final decision, carefully read and understand the terms and conditions of the breakdown cover policy. Take note of important details such as the duration of the policy, the process for making a claim, any excess fees, and the policy's renewal process. Ensure that you have a clear understanding of all aspects of the policy to avoid any surprises or misunderstandings in the future.


Choosing the right motor breakdown cover in the UK requires careful consideration of your needs, thorough research of providers, comparison of coverage and services, assessment of additional benefits, and understanding of policy exclusions and limitations. By following these steps and taking the time to make an informed decision, you can select a motor breakdown cover that provides you with the necessary peace of mind and reliable assistance in times of breakdowns, allowing you to confidently navigate the roads knowing that help is always at hand.