If you breakdown in the UK at the side of the road without the right cover or no cover at all, recovery costs can be scary. So it is important to take a look at obtaining the appropriate break down cover from one of the many providers in the UK. On this page we’ll cover a smuch as we can.
What is breakdown cover?
Breakdown cover provides assistance if your car breaks down, whether at home, on the road, or on a motorway.
It’s not a legal requirement in the UK—but it’s strongly recommended, especially if you’re unfamiliar with the roads or driving system.
Types of Breakdown Cover
There are many different levels of breakdown cover inthe UK, here are the basics:
Roadside Assistance
Help if your car breaks down away from home.
- On-the-spot repairs
- Towing to a nearby garage
Home Start
Cover if your car won’t start at home.
- Battery Issues
- Starting Problems
National Recovery
Transport for you and your vehicle anywhere in the UK.
- Long-distance Recovery
- Travel to destination or home
Onward Travel
Helps you continue your journey.
- Replacement Car
- Hotel Accommodation
- Public Transport Costs
Is Breakdown Cover Worth It For Expats?
Breakdown cover is especially useful if:
- You’ve recently arrived in the UK
- You’re unfamiliar with local garages
- You rely on your car for work or travel
Even newer cars can experience issues, so having cover can save time, stress and unexpected costs.
Breakdown Cover Providers
Here are some of the most popular breakdown services in the UK:
AA (Automobile Association)
One of the UK’s most established breakdown providers, known for fast response times and extensive coverage.
Positives of the AA:
- Large National Network
- Strong Reputation
- Wide Range of Cover Options
Negatives of the AA:
- Can be more expensive
- Add-ons Increase Cost
RAC
A major UK provider offering comprehensive roadside assistance and recovery services.
Positives of the RAC:
- Large National Network
- Flexible Plans
- Good Value Options
Negatives of the RAC:
- Response times vary by location
- Premium plans can be costly
Green Flag
A popular alternative offering competitive pricing and strong UK coverage.
Positives of the Green Flag:
- Often Cheaper than AA/RAC
- Good coverage options
- No branded vehicles (Use local garages)
Negatives of the Green Flag:
- Smaller Network
- Fewer Premium Features
Start Rescue
A budget-friendly provider offering solid coverage for everyday drivers.
Positives of the Start Rescue:
- Competitive Pricing
- Simple Plans
- Good Customer Reviews
Negatives of the Start Rescue:
- Smaller Network
- Fewer Premium Features
How to Choose the Right Breakdown Cover
- Coverage Level (Roadside vs Full Recovery)
- Response Times
- UK-Wide vs Local Cover
- Add-Ons (Onward Travel, Home Start, etc)
- Cost vs Level of Protection
Did you know that you can compare the costs of breakdown cover really easily by using a company such as Einsure to help you find the right cover, click on the link below to get started:
How much does breakdown cover cost in the UK?
Breakdown cover costs vary depending on the level of protection.
Typical Costs
- Basic Cover: £30 to £50 per year
- Comprehensive Cover: £80 to £150 per year
Price Depends On:
- Vehicle Type
- Coverage Level
- Add-ons
Things to be aware of:
- Not all policies include home start
- Some plans limit callouts
- Cover may not include European Travel
- Terms and Conditions vary significantly
Breakdown Cover vs. Insurance
Feature | Breakdown Cover | Car Insurance |
|---|---|---|
Covers breakdowns | Yes | Optional |
Covers accidents | No | Yes |
Required by law | No | Yes |
Helps get you moving | Yes | Limited |
Stay Protected on the Road
Compare breakdown cover options and drive with confidence in the UK.
Frequently Asked Questions
Is breakdown cover legally required in the UK?
No, but it is highly recommended.
Does car insurance include breakdown cover?
Not as standard, but many car insurance providers in the UK offer this as an optional add-on
Can Expats get Breakdown Cover?
Yes, most providers will accept overseas visitors to the UK
What happens if my car cannot be fixed?
If your car cannot be fixed, depending on the level of cover you have chosen, your vehicle will be towed to the nearest garage or destination.
Can I get cover immediately?
Yes, whilst many breakdown cover providers offer instant cover, some may have waiting periods before you can make your first call out. Some such as the AA and RAC offer an emergency assistance option.