What is Breakdown Cover?

Navigating Breakdowns and Understanding How Your Vehicle Type, Age and Lifestyle Impact Your Coverage Needs

Owning a vehicle, whether a car, motorcycle, or commercial van, is a significant investment that provides us with the freedom and convenience to navigate the open road. However, as reliable as our machines may be, the reality is that breakdowns and unexpected mechanical issues are an inevitable part of vehicle ownership; in fact, 17% of vehicles experience a breakdown within their membership period, according to our records*. When faced with a breakdown, the last thing you want to worry about is how you’ll get back on the road and whether you’re about to part ways with a small fortune to do so – that’s where breakdown cover comes in.

Breakdown cover is a specialised supplement to your standard car insurance policy that can provide you with roadside assistance and recovery services in the event of a vehicle breakdown, which prevents you from having to claim on your primary insurance policy. This comprehensive protection can be the difference between a minor inconvenience and a significant disruption to your journey, ensuring you have the support you need to get back on the road as quickly and efficiently as possible.

In this article, we explore breakdown cover, looking into how your coverage needs can change based on your vehicle's age, type and your driving habits and lifestyle; in doing so, we hope to help you understand what influences how the different types of memberships available are formulated, and what to consider when choosing the right coverage for your needs. We'll also provide proactive tips to help you minimise the likelihood of breakdowns and prepare you for any unexpected mechanical issues. By the end, you'll clearly understand how breakdown cover can safeguard your journeys across all stages of vehicle ownership and driving lifestyles.

Why is it important?

Breakdowns can happen to anyone, regardless of the age or condition of your vehicle. From flat tyres and dead batteries to engine issues and transmission problems, many potential causes can leave you stranded on the side of the road. Without the right coverage, dealing with a breakdown can quickly become a stressful and costly experience.

Breakdown cover serves as a safety net, providing the assistance and resources you need to get back on the road as quickly as possible. When you call for help, a qualified technician will arrive at your location, equipped with the necessary tools and expertise to diagnose and repair the issue. If they can’t repair your vehicle on-site, they will arrange to tow it to a local garage or repair centre.

Beyond the immediate roadside assistance, breakdown cover can also include a range of additional benefits and add-ons, such as:

• Homestart cover that provides roadside repairs within a mile of your home

• Onward travel, car hire or accommodation if your vehicle is irreparable on the spot

• Towing services to transport your vehicle to a garage or place of repair

• Coverage for breakdowns that occur while you’re driving abroad or

• Access to a network of trusted mechanics and the associated parts and labour costs

These comprehensive services not only help to minimise the disruption caused by a breakdown but also provide you with peace of mind, knowing that you’re protected, no matter where the road takes you.

What are the benefits of having breakdown cover?

Breakdown cover offers a selection of benefits that can provide invaluable support and peace of mind for drivers, including:

• Roadside Assistance: Qualified technicians will arrive at your location to diagnose and repair the issue or arrange to tow your vehicle to a local garage for repairs.

• Onward Travel: If your vehicle is irreparable on the same day, breakdown cover can provide alternative transportation or accommodation to help you reach your destination.

• European Coverage: Many cover memberships extend their protection to include breakdowns while driving in Europe, ensuring you’re covered no matter where your travels take you.

• Specialised Services: Some breakdown cover providers offer tailored services for specific vehicle types, such as classic cars or commercial vehicles, to meet your unique needs.

• Cost Savings: Breakdown cover can reduce out-of-pocket expenses compared to calling for a tow truck or hiring a mechanic.

• Peace of Mind: Knowing you have reliable breakdown assistance can provide a valuable sense of security and confidence, allowing you to focus on your journey rather than worrying about potential issues.

By investing in a comprehensive breakdown cover policy, you can enjoy the freedom and convenience of driving without the stress and disruption of an unexpected vehicle breakdown. Now that we understand why it is essential let’s delve into how it works, beginning with the most crucial aspect that affects your cover composition - your vehicle’s age.

Breakdown cover and vehicle age

A critical factor that can influence your breakdown cover requirements is the age of your vehicle. As cars, motorcycles, commercial vans, and passenger carriers accumulate more miles and years on the road, they become more susceptible to mechanical issues and breakdowns. Understanding the different age brackets and how they impact your coverage needs can help you choose the right policy.

Newer Vehicles (0-5 Years Old)

Vehicles in their early years of ownership are generally less prone to breakdowns, as they are still within their manufacturer's warranty period and have yet to experience significant wear and tear on their components. For owners of newer vehicles, a basic roadside assistance plan may be sufficient, providing coverage for common issues like flat batteries and tyres, misfuelling, or minor electrical problems.

During this stage, your vehicle's factory-installed parts are typically still in good condition, and the likelihood of major mechanical failures is relatively low. However, it's important to note that even newer vehicles can experience unexpected issues which can leave you stranded. A basic breakdown cover membership can provide the necessary assistance to get you back on the road quickly, minimising the disruption to your journey.

Mid-Age Vehicles (5-10 Years Old)

As your vehicle enters its middle years, the risk of breakdowns starts to increase. Components begin to wear down, and the likelihood of more complex mechanical failures, such as engine or transmission issues, rises. For owners of mid-age vehicles, a more comprehensive breakdown cover membership that includes provisions for onward travel and towing services may be beneficial.

During this phase, your vehicle's parts show signs of wear and tear, and the vehicle warranty has expired. The engine, transmission, and other significant systems may require more frequent maintenance and inspections to keep them in good working order. A comprehensive breakdown cover can provide the necessary support, including towing services to get your vehicle to a trusted nearby garage and accommodations or alternative transportation if your technician cannot fix it.

Older Vehicles (10+ Years Old)

Vehicles on the road for decades are the most susceptible to breakdowns and mechanical issues. Parts wear out, systems become less reliable, and the vehicle's overall condition is typically more fragile. Owners of older cars, motorcycles, or commercial vehicles should consider investing in a premium breakdown cover policy that offers enhanced roadside assistance, extended towing distances, and specialised support for their ageing cars. Additional cover for replacement parts and labour costs that wouldn’t be typically covered by your breakdown cover membership may also be advisable at this stage.

As your vehicle approaches and exceeds the 10-year mark, the risk of breakdowns increases significantly. Components like the engine, transmission, suspension, and electrical systems are all more likely to fail, and the cost of repairs can quickly add up. A premium breakdown cover product can provide the necessary support, including extended towing services to reach specialised repair centres, priority assistance to minimise downtime and access to a network of mechanics experienced in servicing older vehicles.

Exploring lifestyle factors and breakdown risks

In addition to the age of your vehicle, your driving habits and lifestyle can also significantly affect your breakdown cover needs. Understanding how different lifestyles and professions can impact the likelihood of a breakdown can help you decide on a suitable membership for your needs.

Frequent drivers and high-mileage commuters

Individuals who rack up significant mileage on their vehicles, whether due to long daily commutes or extensive road trips, face a higher risk of breakdowns. In case of an issue, these drivers may benefit from a breakdown cover service with a more generous towing allowance and provisions for onward travel and accommodation.

The increased wear and tear on their vehicle's components can lead to a higher likelihood of parts degrading faster, increasing the risk of engine failure, transmission problems, or worn-out suspension components. A breakdown cover membership with provisions for alternative transportation or accommodation can provide invaluable support, ensuring you can continue your journey or find a suitable place to stay while your vehicle is in for repairs.

Urban dwellers and city drivers

Navigating the congested streets and stop-and-go traffic of urban environments can put additional strain on a vehicle's components, increasing the chances of a breakdown. Drivers who primarily operate their cars in cities may consider a cover product that offers priority assistance and a more comprehensive network of repair facilities to ensure they can get back on the road quickly.

The stop-and-go nature of city driving, combined with the increased exposure to road hazards and heavy traffic, can take a toll on a vehicle's parts, increasing the likelihood of breakdowns. Due to the demanding driving conditions, Urban drivers may experience frequent flat tyres, wrong fuel input, overheating engines, and electrical problems. A breakdown cover policy with priority assistance and access to a broader network of repair facilities in urban areas can minimise the disruption caused by a breakdown, ensuring you can get back on the road as quickly as possible.

Rural and off-road enthusiasts

Drivers frequently venture off the beaten path, exploring remote country roads or tackling rugged terrain. They may encounter unique challenges requiring specialised breakdown cover. A policy that includes extended towing services and the ability to access repair facilities in more remote areas can provide the necessary support for these adventurous motorists.

Driving in rural or off-road environments can expose your vehicle to challenges, such as navigating unpaved roads, crossing uneven terrain, and dealing with limited or distant access to repair services. In these situations, a standard breakdown cover may not provide the support you need. A specialised policy that offers extended towing distances and the ability to access repair facilities in remote areas can be a game-changer, ensuring you can get the help you need, even in the most isolated locations.

Commercial and fleet vehicles

Unlike traditional car breakdown cover, businesses that rely on commercial vehicles, such as vans, trucks, or heavy machinery hauliers, have unique breakdown cover requirements. These vehicles often carry valuable cargo or equipment; their breakdowns can have significant financial and operational consequences. A tailored breakdown product prioritising rapid response, specialised repairs, and the safe transport of goods is essential for commercial fleet owners.

When a commercial or fleet vehicle breaks down, the consequences can be far-reaching, affecting the business's operations and the safety and security of any cargo or passengers. A tailored breakdown cover membership for commercial vehicles should prioritise rapid response times, access to specialised repair facilities, and the ability to transport goods or equipment to their destination safely. This level of coverage can minimise downtime, protect valuable assets, and ensure the continued smooth operation of the business. With that, let us take some time to unpack the types of breakdown covers available in the market and who they’re most suitable for.

Types of breakdown cover

When considering breakdown cover, although you can liken it to a run-of-the-mill commodity service differentiated only by price from provider to provider, this can not be further from the truth since there are several different types of breakdown cover memberships to choose from, each offering varying levels of cover and specialities with their unique features and benefits. Understanding the various options can help you select the coverage that best suits your needs and driving habits.

Basic roadside assistance

Roadside assistance is the most basic form of breakdown cover; in some cases, it may include unlimited call-outs and provides you with on-the-spot repair services or towing to a local garage or repair facility if the vehicle is unfixable at the roadside. This membership type is often the most affordable and popular choice for drivers who primarily use their cars for short, local journeys. You can extend it to include a home start cover if the breakdown occurs before you get onto the road.

Personal breakdown cover

Unlike vehicle-based policies tied to a specific car, personal breakdown cover protects you as an individual regardless of which vehicle you're driving or travelling in as a passenger. This flexibility makes it ideal for drivers who regularly use different vehicles, whether borrowing family members' cars or using hired cars. The cover typically includes the same roadside assistance and recovery services as the standard cover. Still, it follows you rather than being limited to a specific registered vehicle, providing peace of mind across multiple cars you drive.

Temporary/instant breakdown cover

For drivers needing short-term protection, temporary or instant breakdown cover can provide immediate assistance if you need help in a pinch without requiring an existing membership or month-to-month cover, negating the need for a long-term commitment. This flexible option is precious for occasional car users, those borrowing vehicles, or drivers planning one-off long journeys where additional peace of mind is needed. Coverage can typically be arranged within minutes online or over the phone, lasting from a single day to several weeks. It includes standard roadside assistance and recovery services, making it a cost-effective alternative to annual policies for short-term vehicle use.

Onward travel support

In addition to roadside assistance, some breakdown cover memberships include provisions for onward travel or overnight accommodation if the technician can’t repair your vehicle on the same day as the breakdown. Onward travel facilities can consist of a hired car, which is particularly valuable for drivers who rely on their vehicle for longer journeys or commutes. It ensures you can continue your trip or find a suitable place to stay while your car is in for repairs.

European breakdown cover

For those who enjoy taking their vehicle abroad and need cover beyond the national recovery services within the UK offered by essential roadside assistance, European breakdown cover may be a necessary addition to your membership for UK-based road users. This type of coverage extends the same level of roadside assistance and recovery services to you while driving in Europe, providing the same peace of mind you enjoy at home.

Commercial vehicle cover

Suppose you operate a commercial vehicle, such as a van or lorry. In that case, you’ll need a specialised breakdown cover that caters to the unique needs and requirements of these larger, heavier vehicles with a bouquet of optional extras, including cooling fridges and special chemical storage containers. Commercial vehicle cover often includes additional services, such as priority callout and the ability to transport your cargo to its destination.

Taxi/public transport cover

Specialist breakdown cover for taxi operators provides enhanced protection for vehicles operating under intense daily use in the private hire and public transport sectors. This type of cover typically offers priority response times and rapid recovery services to minimise disruption to business operations and passenger journeys. Features often include coverage for multiple drivers, 24/7 assistance, and access to a network of approved mechanics familiar with licensed vehicles, making it essential for taxi operators whose livelihoods depend on keeping their cars on the road.

Motorhome, campervan & caravan cover

Specialised breakdown cover for leisure vehicles offers comprehensive protection tailored to the unique challenges of recovering larger recreational vehicles. This type of cover includes assistance for both the motorhome or caravan and its towing vehicle, with access to specialists who understand the complexities of these vehicles. The coverage features enhanced recovery options to accommodate the larger size and weight, along with provisions for alternative accommodation if your leisure vehicle becomes uninhabitable during repairs.

Classic Car Cover

Owners of classic and vintage vehicles may require a tailored breakdown policy that considers the specialised nature of their prized possessions. Classic car cover typically includes access to a network of trusted classic car mechanics and repair facilities, as well as provisions for towing and transportation to ensure the utmost care for your vehicle.

These breakdown cover types demonstrate how providers can tailor their services to match specific vehicles and driving needs. From essential roadside assistance to specialised cover for leisure vehicles and commercial transport, there's a solution for every road user. Understanding these options is the first step – next, we'll explore how to select the right breakdown cover for your particular circumstances.

Choosing the right breakdown cover

When choosing the right breakdown cover for your needs, it may be daunting to consider all available options; even with the most helpful comparison platforms available, there are several factors to consider that go beyond the comparison of features and pricing and to ensure you’re getting the protection you need at a price that fits your specific circumstances and budget. Some of these may include:

Your vehicle type and usage

As discussed earlier, among the most critical aspects is the type of vehicle you own and how you use it; this will play a significant role in determining the appropriate breakdown service. For example, a motorcycle or classic car owner may require a more specialised policy than a driver who primarily uses their vehicle for short, local journeys, unlike the needs of a taxi operator who may need even more specialised services for keeping their clients on the move.

Mileage and driving habits

Your annual mileage and driving habits can also influence the type of breakdown cover you need. Drivers who rack up high mileage or frequently embark on long-distance journeys may benefit from a cover membership with a more generous towing allowance or onward travel provisions.

Location and travel plans

If you plan to take your vehicle abroad regularly or occasionally, European breakdown cover is necessary to protect you while driving in other countries. Similarly, if you live in a remote area or frequently drive on rural roads, consider a breakdown service with a broader coverage area or the ability to tow your vehicle further without attracting additional unexpected costs.

Existing coverages

Before purchasing a breakdown membership, you must review any existing coverages you may have, such as those included in your vehicle insurance or bank account providers. Doing so can help you avoid paying for duplicate services and ensure you get the most comprehensive protection for your needs.

Budget and coverage limits

Breakdown cover policies can vary significantly in terms of cost, with premiums often dictated by the level of coverage and additional benefits included. When selecting a membership, consider your budget and the coverage limits, such as the maximum towing distance or number of callouts per year, to ensure you’re getting the best value.

By carefully assessing your individual needs and preferences, you can find a breakdown cover policy that provides protection and peace of mind so you can confidently tackle any journey.

Proactive maintenance: your first line of defence

While breakdown cover is a valuable safety net and a necessary tool to give that extra peace of mind to drive around confidently, a proactive approach to vehicle maintenance can also help minimise the likelihood of unexpected issues and reduce the need for roadside assistance. By understanding the typical lifespan of various vehicle components and planning for their replacement, you can stay ahead of the curve and avoid the stress and disruption of a sudden breakdown.

We have put together a few tips to consider that will help you stay on top of your vehicle's maintenance and evade those avoidable breakdowns altogether:

1. Tyres

Monitor your tyre's tread depth and condition regularly and schedule a replacement when they reach the end of their useful life. This can help prevent dangerous blowouts or punctures on the road.

Generally, most tyres must be replaced every 25,000-50,000 miles, depending on the quality and driving conditions, unless the manufacturer specifies otherwise.

2. Wipers

Replace your windscreen wiper blades at least once a year or more frequently if they show signs of wear and tear. Keeping your wipers in good condition is crucial for maintaining visibility and safety, especially in inclement weather.

Wiper blades typically have a lifespan of 6-12 months.

3. Fluids

Regularly check and replace engine oil, brake fluid, coolant, and other vital fluids according to your vehicle's manufacturer's recommendations, typically found in your vehicle’s user manual. Neglecting these essential maintenance tasks can lead to more serious mechanical problems down the line.

Engine oil should be changed every 3,000-5,000 miles, while you may need to replace other fluids less frequently.

4. Lights and electrical components

Ensure all your vehicle's lights, including headlights, taillights, and turn signals, are in working order. Electrical issues can be a common cause of breakdowns, so keeping these systems well-maintained is essential.

Replacing bulbs as they burn out can help prevent unexpected lighting failures.

5. Belts and Hoses

Regularly inspect the condition of your vehicle's belts and hoses, and have them replaced if they show signs of cracking, wear, or damage. These components are crucial in adequately functioning your engine and cooling system.

Depending on the vehicle and manufacturer, these parts typically span 40,000-100,000 miles.

6. Brakes

Monitor the condition of your vehicle's brakes, including the pads, rotors, and callipers. Worn or malfunctioning brakes can compromise your safety and increase the risk of a breakdown.

You should inspect most brake components and consider replacing them every 30,000-50,000 miles.

7. Spark Plugs

As the manufacturer recommends, replacing spark plugs can help maintain your engine's efficiency and prevent misfiring or ignition issues that can lead to breakdowns.

Depending on the type and driving conditions, spark plugs typically must be replaced every 30,000-100,000 miles.

By staying proactive with your vehicle's maintenance, you can reduce the likelihood that your car breaks down, minimise the need for roadside assistance, and enjoy a smoother, more reliable driving experience. Remember, a little preventative care can go a long way in keeping your vehicle on the road and your breakdown cover policy from being put to the test.

Plan and budget for replacement parts

In addition to regular maintenance, budgeting for the eventual replacement of crucial vehicle components can help you prepare for and reduce the impact of breakdowns. By setting aside small amounts of money each month, you can build up a reserve fund to cover the cost of replacements when the time comes, rather than having to pay a large lump sum all at once in the inevitable event of their expiration.

Here is a summary of some standard vehicle parts and their typical lifespan, which can help you plan your call to your parts supplier and your budget:

• Tires: 25,000-50,000 miles

• Wiper blades: 6-12 months

• Engine oil: 3,000-5,000 miles

• Brake pads: 30,000-50,000 miles

• Spark plugs: 30,000-100,000 miles

• Belts and hoses: 40,000-100,000 miles

• Batteries: 2-5 years

Monitor your vehicle's mileage or the age of its parts and save a little money each month to prepare to replace them when needed. This intelligent plan can help you avoid the surprise costs of unexpected breakdowns and ensure you have money set aside to keep your vehicle in good shape. 

Additionally, by incorporating quality warranty parts and labour coverage products, you can reduce these costs in the short term if your savings have yet to reach the required amounts for total replacement, making maintenance easier on your wallet.

Conclusion

Breakdown cover is essential for safeguarding vehicle owners against the unexpected. By understanding the diverse membership options and tailoring coverage to individual needs, drivers can ensure they have the proper protection. Whether commuting daily or embarking on long journeys, breakdown assistance supports returning to the motorway quickly when faced with mechanical issues.

Pairing comprehensive coverage with proactive vehicle maintenance empowers drivers to confidently enjoy the freedom of the road. A little preparation goes a long way in minimising disruption and giving peace of mind, regardless of vehicle or driving habits. With the right breakdown cover, motorists can focus on the journey ahead, knowing that help is just a phone call away.

Frequently Asked Questions (FAQs)

What is the difference between roadside assistance and breakdown cover?

Roadside assistance and breakdown cover often get used interchangeably, but there are some critical differences between the two:

Roadside Assistance:

Provides on-the-spot repairs or towing to the nearest repair facility if your vehicle breaks down

Typically, the most basic level of coverage is a standard part of vehicle insurance policies or available as a standalone service

Breakdown Cover:

Offers a more comprehensive suite of services beyond just roadside assistance; some memberships will even cover you from your home address, not only out on the road

May include additional benefits such as onward travel to a destination of your choice, vehicle transportation to the nearest garage, accommodation, and European coverage

Provides a higher level of protection and peace of mind for drivers

Breakdown cover is a broader term encompassing roadside assistance and a range of other services and benefits to support you in a vehicle breakdown.

What is the difference between vehicle insurance and breakdown cover?

Vehicle insurance and breakdown cover are two distinct types of coverage, each serving a different purpose:

Vehicle Insurance:

A legal requirement that can provide financial protection in the event of an accident, theft, or other damage to your vehicle, depending on the cover level you subscribe to.

Covers the cost of repairs or replacement, as well as liability coverage for any third-party damage

Breakdown Cover:

Focuses on providing roadside assistance and recovery services in the event of a mechanical breakdown or failure

It helps get you back on the road quickly by providing on-site repairs, towing, and alternative transport options

While vehicle insurance is a legal requirement for driving, breakdown cover is an optional but highly recommended layer of protection. Having both types of coverage covers you for a wide range of potential issues, from accidents to mechanical breakdowns.

What is the difference between personal and vehicle-based breakdown cover?

There are two main types of breakdown cover:

Personal Breakdown Cover:

Provides coverage for the individual, regardless of which vehicle they’re driving

Allows the policyholder to be covered when driving a rented, borrowed, or company car

Typically more expensive but offers greater flexibility and portability

Vehicle-Based Breakdown Cover:

Covers a specific vehicle rather than the individual driver

Provides protection for the car, van, or motorbike rather than the person behind the wheel

Generally more affordable, but the coverage is limited to the insured vehicle

The choice between personal and vehicle-based breakdown cover often depends on your needs and driving habits. Personal cover may be more suitable for those who regularly drive different vehicles. In contrast, vehicle-based cover is usually the more cost-effective option for those who use their car or motorcycle.

What is the average cost of breakdown cover in the UK?

As a general guideline, the average annual cost for breakdown cover in the UK ranges from approximately £25 to £180, depending on the coverage options selected:

• Basic Cover: This typically includes roadside assistance only and can cost as low as £21 (e.g., Emergency Assist) to around £39 (e.g., Green Flag) for local cover. For national recovery, prices can start from about £25 with providers like Cover My Breakdown and go up to £73 with LV Britannia12.

• Comprehensive Cover: Prices can increase significantly for more extensive services that include home start, national recovery, and additional benefits. For example, comprehensive plans from significant providers like the AA and RAC can range from £130 to £182 per year.

It’s important to note that these are just rough estimates. The actual cost of your breakdown cover may be higher or lower depending on your specific requirements and the provider you choose. Factors such as the age and value of your vehicle and your driving history and location can also impact your premium.

When selecting a breakdown cover service, it is essential to compare quotes from multiple providers and consider the overall value and level of protection offered. Don’t just focus on the upfront cost; doing so can ensure you get the right coverage for your needs at a fair and competitive price.

* Based on clients who required assistance during their membership term, which is 1 in 6, or 16.67%