What Are the Different Levels of Motor Breakdown Cover?

A breakdown can turn a seemingly smooth journey into a stressful and frustrating experience. Whether you're planning a short trip or a long-distance drive


A breakdown can turn a seemingly smooth journey into a stressful and frustrating experience. Whether you're planning a short trip or a long-distance drive, having the right motor breakdown cover can make all the difference when your vehicle unexpectedly stops working. Breakdown cover is a form of insurance that provides assistance and peace of mind by offering various services to get you back on the road. In this comprehensive guide, we will explore the different levels of motor breakdown cover available, helping you understand the options and choose the coverage that best suits your needs.

Roadside Assistance:

Roadside assistance is the most basic level of motor breakdown cover available. This level of coverage offers assistance when your vehicle breaks down away from your home address. If your car experiences a mechanical or electrical failure, runs out of fuel, or suffers a flat tire while you're on the road, a roadside assistance provider will send a qualified technician to your location.

Upon arrival, the technician will attempt to fix the problem on the spot. If the issue cannot be resolved at the roadside, they will tow your vehicle to the nearest garage for further repairs. Roadside assistance is ideal for those who primarily drive within their local area and need immediate help if their car breaks down nearby.

Vehicle Recovery:

Vehicle recovery is the next level of motor breakdown cover and includes all the benefits of roadside assistance. However, it extends the assistance to cover towing your car to a specific destination of your choice if it cannot be repaired at the scene of the breakdown.

With vehicle recovery, you have the option to choose where you want your car to be taken. This flexibility can be especially useful if you want your vehicle to be towed back to your home address or a preferred garage where you trust the repairs will be done properly.

Home Start:

Home start cover is designed to assist you if your car fails to start at your home address. This is particularly useful for those who have experienced difficulties starting their vehicles in the past. If you have home start coverage and your car doesn't start in your driveway or garage, you can call for assistance, and a technician will come to your home to diagnose and fix the problem.

Home start cover is often offered as an add-on to roadside assistance or vehicle recovery packages. It provides added peace of mind, ensuring that even if your car won't start at home, you won't be left stranded.

Onward Travel:

Onward travel is a comprehensive level of motor breakdown cover that includes all the benefits of roadside assistance, vehicle recovery, and home start. Additionally, onward travel cover goes beyond just getting your vehicle back on the road.

If your car cannot be repaired quickly and you are far from home, onward travel cover provides you with alternative transportation options. Depending on your policy, this could include a replacement car, a rental vehicle, public transportation tickets, or even accommodation for you and your passengers while your car is being repaired.

Onward travel cover is highly recommended for those who frequently travel long distances or who rely heavily on their vehicle for work or leisure. It ensures you can continue your journey or return home even if your car cannot be fixed immediately.

European Breakdown Cover:

For those planning to take their vehicles abroad, European breakdown cover is essential. Standard breakdown cover typically only provides assistance within your home country. If you're traveling to Europe, you'll need additional coverage to ensure you're protected in case of a breakdown during your trip.

European breakdown cover offers similar services to the levels of coverage mentioned earlier, but within the countries specified in your policy. It typically includes roadside assistance, vehicle recovery, and onward travel options, just as you would have in your home country.

Explore motor breakdown cover plans


Motor breakdown cover provides essential protection and peace of mind for drivers facing unexpected car troubles. With various levels of coverage available, you can tailor your breakdown cover to suit your specific needs and driving habits. Roadside assistance is the basic level that helps you get back on the road if your car breaks down away from home. Vehicle recovery extends the assistance by allowing you to choose where your car should be towed for repairs.

Home start cover is useful if your car won't start at your home address, ensuring you receive prompt assistance without needing to leave your driveway. Onward travel cover is the most comprehensive option, providing alternative transportation and accommodation if your car cannot be quickly repaired. If you plan to travel to Europe, make sure to opt for European breakdown cover to ensure protection while abroad.

Selecting the right level of motor breakdown cover is crucial, as it can save you time, money, and stress when facing an unexpected breakdown. Before choosing a policy, carefully assess your driving patterns, consider the distances you travel, and evaluate the additional benefits provided by each level of coverage. With the right motor breakdown cover in place, you can drive with confidence, knowing that help is just a phone call away, no matter where your journeys take you.