What is breakdown cover, and is it included in standard policies?

Breakdown cover arranges assistance when a vehicle cannot continue because of a mechanical or electrical fault, flat battery, puncture or another covered problem. It is separate from ordinary motor insurance unless the policy specifically includes it.

Is it worth paying extra for?

• Especially longer distances or alone, breakdown cover can be a lifesaver if you drive regularly.
• It's particularly useful for:

Honestly? New drivers – who could panic when something goes wrong.

It brings reassurance, and who doesn't want that when they're inspecting dodgy roundabouts or countryside backroads?

Is it included in standard car insurance policies?

• Ah, the catch.
• For example, Dave – he thought his policy covered everything.

Some insurers may include a very basic form, but the majority offer it as an optional extra. That's why it's always worth checking the fine print – assuming you don't want to keep an eye out for the bad news when your engine's steaming and your mobile signal's patchy.

But after his car conked out on a country lane in Cornwall, he realised he'd only ticked the basic insurance box. Result?

He spent 120 pounds on a tow and another 80 getting home. That's a costly way to learn a lesson.

So, what exactly is breakdown cover?

• breakdown cover is a type of insurance that sends help your way if your car breaks down.
• But like with most things, there's more than one flavour on offer:

It could be a dead battery, a shredded tyre, or a mystery fault that even your local mechanic would scratch his head over. With cover in place, a rescue vehicle will be sent out to either get you back on the road or tow you somewhere that can.

Roadside Assistance – The basic version. If your car gives up the ghost while you're out, someone will come and try to fix it on the spot. National Recovery – You can get towed anywhere in the UK – not just to the nearest garage. Handy if you're far from home.

Home Start – Because sometimes your car won't even make it off the driveway. Onward Travel – Covers things like overnight accommodation, public transport, or a courtesy car so your journey doesn't end at the roadside.

Simple as that.

Is breakdown cover part of your car insurance or a separate safety net?

• You're cruising down the M6, tunes on, coffee in the cup holder – and then, thud.
• Breakdown cover isn't always included in standard car insurance policies, but it can be an absolute lifesaver when your car throws a tantrum at the worst possible time.

Breakdown cover can arrange assistance when a vehicle cannot continue, subject to the chosen level and exclusions. It is separate from ordinary motor insurance unless the policy expressly includes it.

Need help finding a policy with breakdown cover?

• You're not stuck if your current car insurance policy doesn't include breakdown assistance.
• Just make sure you're comparing what's included – not all cover is created equal.

You can add it on or get it separately, depending on your provider.