UK breakdown cover providers
First started as an alternative to the AA and RAC back in 1971, the 5-star Defaqto rated GreenFlag has grown massively over the last 40 years into one of the UK’s most reliable and highly-regarded breakdown cover providers.
Their main two types of cover are Rescue and Recovery with an upgraded version of each on offer. None of their policies will ever charge you for a call-out and they all feature 24/7 roadside assistance, local vehicle recovery meaning they’ll tow you to a nearby garage if your vehicle needs further repair and a messaging service so you can alert your loved ones as to what’s happened.
Also available is cover for both short and long-term trips to Europe, Business Cover which will equip any size fleet with misfuel cover, vehicle recovery and replacement vehicles if needed and Family Cover for you and up to three of your family members.
The RAC have been providing UK motorists with a brilliantly efficient service since 1971 making them one of the UK’s longest-running and most experienced breakdown providers.
Their four breakdown policies place way more emphasis on what’s known as Personal Cover, which is attached to you instead of to a specific vehicle so you’re safe to drive or be a passenger in any other car without having to worry about the cost of potential repair, seen in the fact all but the most expensive one comes with it included as standard.
Every RAC policy comes with 24/7 Roadside Rescue included meaning they’ll fix your vehicle up anytime as long as you’re over ¼ mile away from your home while the most expensive two come with Free Onward Travel so you’ll never have to worry about getting stuck anywhere.
Or if you don’t feel like any of their policies fit your exact needs, you’re handily able to construct your own kind of breakdown cover by mixing and matching the different features on offer.
GEM Motoring Assist
GEM celebrated an impressive 85 years of service this year after being voted No.1 for Overall Service and Best Value For Money in motoring magazine Auto Express’s 2016 Driver Power Survey.
They offer two breakdown policies, Recovery Extra and Recovery Reclaim, which can each be extended to cover up to three other members of your family. Both come with a number of great free extras like a membership to GEM’s motoring club which gives you a discount on airport parking fees, travel insurance, car hire and hotel bills.
While Recovery Extra works like your standard breakdown policy, Recovery Reclaim is slightly different as you’ll need to sort out and pay for everything you require in the event of an incident and claim your money back from GEM at a later date. It might sound tricky, but does work out cheaper overall and is excellent if you’ve got a certain garage you prefer to go to.
Like the RAC, GEM’s breakdown policies are centred around personal cover and so leave you free to drive any vehicle you’d like and all include 24/7 roadside assistance, far-reaching national recovery, assistance at home and onward travel.
Leading consumer review site Which? named Start Rescue as their number one recommended breakdown cover provider in 2016 so you can be sure that any type of policy you take out will award you with an outstanding service at a really great value for money.
Five different tiers of policy, simply titled 1 to 5, are available all of which come with more features and a higher price tag the further up the ladder you go. Even the cheapest policy however, is a pretty comprehensive option offering services like 24/7 Roadside Assistance, a Legal Expense Policy, Accident Recovery, Local Recovery and Key Replacement.
The fifth level of Start Rescue’s policy automatically comes with European Cover included but you can also buy it separately if you’ve gone with a type of different cover for a trip of up to 31 days.
Cover for your business fleet unfortunately isn’t available here but you are able to get full personal cover for up to you and 3 members of your family.
With 75% of breakdowns repaired right at the roadside, no excess or call-out charges on any policy and brilliantly fair prices it’s evident why QDOS have managed to earn their coveted 5-star rating from consumer review site Review Centre.
While all of the usual services like 24/7 roadside assistance, protection again theft, local and national recovery, key replacement and home cover are available, QDOS also offers medical transfer if a driver is taken ill and a much wider selection on who exactly your breakdown policy can benefit.
Along with standard vehicle and personal cover, you’ve got dual vehicle cover so you can have two cars covered under one policy, joint cover which protects two individual people under one policy and a one call discount policy where you restrict your callout to only one per year in order to save money on your insurance premiums.
They only started selling directly to the public in 2011, but in just six years Breakdown Assist have managed to make a name for themselves as an esteemed provider of breakdown cover.
There are 3 different types of breakdown cover to pick from with Breakdown Assist ranging from Local Cover, which is ideal for anyone on budget, to Full UK cover and protection against what is essentially every eventuality.
Every policy comes with 24/7 Roadside Assistance which sees 80% of cars fixed within the hour, local recovery, a message relay service, misfuelling cover and if it’s in your price range, adding on an optional £35 excess could save you up to a staggering 40% on your Breakdown Assist policy.
Founded all the way back in 2000 as an alternative to the more well-known providers in the breakdown cover sector, Rescue My Car offers flexible, competitively priced policies which aim to give you complete peace of mind on the roads whatever your budget.
A big advantage of their policies is the fact you’re able to customize them to suit you. You simply pick whether you’d like vehicle or personal cover and then select whether or not you’d like to add National Recovery, European Recovery (either for the short or long term), At Home Assistance, Key Cover or Garage Parts and Labour to your policy.
Like with QDOS and Breakdown Assist, Rescue My Car also offers a £40 excess policy in order to help you significantly reduce your premiums.