GEM Motoring Assist has been around since 1932, offering reliable breakdown cover for British motorists. Nobody wants to experience a breakdown, but having a trustworthy breakdown cover means…
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What add-ons can I get with my breakdown cover?
Tyre Replacement Cover
Ideal if you get a puncture, or there’s accidental or malicious damage to a tyre, as it will be repaired or replaced.
Battery Replacement
Covers the cost of a replacement car battery if yours goes flat and you can’t start your vehicle.
Key Replacement
Some standard breakdown policies will cover you if your keys are stolen, lost, or damaged. If not, this add-on could be useful.
Special Vehicles
You might need a specific policy if you’re driving with a trailer or caravan attached to your car. Always check with your provider before you travel.
Family & Multi-Car Cover
This covers multiple drivers sharing the same address as you. Multi-car policies allow you to add a specified number of different cars to the same policy.
Fuel Cover
Wrong fuel: If you’ve filled your car with the wrong fuel and it breaks down, you’ll need this specific cover.
Also includes 'out-of-fuel' cover.
What is Breakdown Cover?
Breakdown cover is a type of insurance service that provides support to drivers in the event of a vehicle breakdown. It offers peace of mind and protection by offering assistance when a vehicle experiences mechanical or electrical failure, leaving the driver stranded on the road. Breakdown cover typically includes services such as roadside assistance, vehicle recovery, and onward travel options.
When a breakdown occurs, policyholders contact their breakdown cover provider's helpline, and a team of trained professionals will be dispatched to the location of the breakdown. The breakdown cover provider will attempt to fix the vehicle at the roadside, but if repairs are not possible, they will arrange for the vehicle to be towed to a nearby garage or the driver's chosen destination.
The exact coverage and benefits of breakdown cover can vary depending on the policy and provider. Some policies may offer additional features like 'home start', where assistance is provided if the vehicle fails to start at home, or European cover, which extends the coverage to breakdowns that occur abroad.
| Key Points | RAC | AA | Green Flag |
|---|---|---|---|
| Lowest rolling monthly price available | £9.50 | £7.50 | £4.50 |
| Which? recommended breakdown services provider | ✅ | ✅ | ❌ |
| Number of branded Patrols | 4,000+ 🚗 | 2,500+ 🚗 | 0 🚗 |
| Covers vehicles of all ages at all cover levels | ✅ | ✅ | ❌ |
| Hire car provided? | ✅ | ✅ | ✅ |
| Repair costs covered | ✅ | ✅ | ❌ |
The number of callouts you can make in a year varies: depending on the breakdown cover provider and the specific policy you choose. Different policies may have different limits or allowances for callouts within a given time frame. So, carefully review the terms and conditions of your chosen breakdown cover policy to determine the exact number of callouts permitted in a year.
Some breakdown cover policies offer unlimited callouts, allowing you to request assistance as many times as needed throughout the year. Others have a set limit, such as a maximum number of callouts per year. Additionally, certain policies may impose restrictions or additional charges for excessive callouts or repeated incidents.
To ensure clarity and avoid any surprises, read the policy documentation or contact the breakdown cover provider directly to understand the specific callout limits and any associated terms or conditions.
Yes, it is possible to obtain short-term breakdown cover specifically for driving in Europe. Many breakdown cover providers offer options for temporary or short-term coverage that includes European countries. This type of cover is designed to provide assistance and support in case of a breakdown while you are driving in Europe for a limited duration, typically ranging from a few days to a few weeks.
Short-term European breakdown cover can be beneficial if you are planning a trip or vacation in Europe and want the peace of mind that comes with having breakdown assistance while driving abroad. It typically includes services such as roadside assistance, vehicle recovery, and access to a network of garages or repair centers in the countries covered by the policy.
If you're confident in your knowledge of basic car maintenance and it seems safe to do so, you can attempt to identify and fix minor issues such as a flat tyre or a loose battery connection. However, if you're at all unsure or the problem appears more serious, it's generally advisable to call your breakdown cover company.
How? Well, contact your breakdown cover provider using your mobile phone or a nearby emergency phone. Provide them with your location, a description of the issue, and any relevant details they may require to assist you. They will guide you through the next steps based on your policy and make arrangements for assistance if necessary.
If your breakdown cover policy includes European or international coverage, this typically means that you will be covered for breakdowns that happen while you are driving abroad, subject to the terms and conditions of the policy. This coverage may include services such as roadside assistance, vehicle recovery, and access to a network of garages or repair centers in the countries covered by the policy.
As always, it's key to carefully review your breakdown cover policy documentation to understand the extent of your coverage and any limitations or exclusions that may apply. Pay attention to factors such as the geographical coverage area, the duration of coverage abroad, and any specific requirements or conditions that must be met to ensure the validity of your coverage while travelling.
If your current breakdown cover policy does NOT include internatonal coverage, or if you are unsure about the level of coverage provided, you'll need to contact your breakdown cover provider to inquire about options for adding on temporary or specific coverage for breakdowns that occur abroad. They can provide you with information on available options and any associated costs.
In most cases, there is a period after taking out a breakdown cover policy before you can make a claim. This waiting period is commonly known as the "cooling-off period" or the "initial exclusion period." The purpose of this waiting period is to prevent individuals from taking out a policy solely to make an immediate claim for an existing breakdown or issue with their vehicle.
The length of the cooling-off period can vary depending on the breakdown cover provider and the specific policy terms. Typically, the waiting period ranges from 24 hours to a few days, but it's important to check the details in your policy documentation for the exact duration.
During the cooling-off period, if your vehicle experiences a breakdown or requires assistance, it's possibel that, sadly, you won't be able to make a claim under the newly purchased policy. Any breakdowns or issues that occur within this initial exclusion period are considered pre-existing and are not covered.
Yes, many breakdown cover providers offer flexible payment options, allowing you to choose between monthly or annual payments for your breakdown cover.
- Monthly Payments: If you prefer to manage your expenses on a monthly basis, you can opt for monthly payments for your breakdown cover. This payment method typically involves setting up a direct debit or recurring payment arrangement with the breakdown cover provider. By spreading the cost over monthly installments, it can make the premium more affordable and manageable.
- Annual Payments: Alternatively, you can choose to pay for your breakdown cover in a lump sum annually. This involves making a single payment for the full coverage period upfront. Paying annually may offer the advantage of potential cost savings compared to monthly payments, as some providers may offer discounts for annual payment options.
Yes, some breakdown cover providers do sadly impose restrictions on the age of vehicles they are willing to cover. Each provider may have its own criteria regarding the maximum age of vehicles eligible for breakdown cover. While there is no universal rule, it is not uncommon for providers to have age limits in place.
The age limit for breakdown cover can vary - but don't get confused with classic cars, which are usually fine. Older vehicles may be more prone to breakdowns due to wear and tear, and the availability of spare parts for repairs may be limited. As a result, some providers may be hesitant to offer breakdown cover for vehicles that exceed their specified age limit.
Yes, some breakdown cover providers do sadly impose restrictions on the age of vehicles they are willing to cover. Each provider may have its own criteria regarding the maximum age of vehicles eligible for breakdown cover. While there is no universal rule, it is not uncommon for providers to have age limits in place.
The age limit for breakdown cover can vary - but don't get confused with classic cars, which are usually fine. Older vehicles may be more prone to breakdowns due to wear and tear, and the availability of spare parts for repairs may be limited. As a result, some providers may be hesitant to offer breakdown cover for vehicles that exceed their specified age limit.
Yes, it's entierely possible to get motorcycle breakdown cover. Once you've made contact with your breakdown cover provider, they will guide you through the process and dispatch a trained professional to your location. These professionals specialise in motorcycle breakdowns and will assess the situation to determine if a roadside repair is possible. If the issue cannot be resolved on-site, they will arrange for your motorcycle to be transported to a nearby garage or your preferred destination for further repairs.
If you don't have dedicated motorcycle breakdown cover, there are alternative options available. You can contact local breakdown recovery services, seek assistance from nearby garages or mechanics, or use roadside assistance services offered through membership organisations.
To prevent your car from breaking down, there are several steps you can take to maintain its reliability - but be aware none of these will prevent you from breaking down altogether. Regular maintenance is key. Follow the manufacturer's recommended maintenance schedule, including oil changes, filter replacements, and fluid checks. Pay attention to essential fluids such as engine oil, coolant, brake fluid, power steering fluid, and windscreen washer fluid.
Monitoring your tyre condition is important too. Regularly check tyre pressure and ensure they are properly inflated. Check tread depth and replace worn-out tyres promptly. Keep an eye on your car battery, ensuring it is securely mounted and free from corrosion. If it's showing signs of weakness or is old, consider replacing it to avoid unexpected failures.
If the breakdown company is unable to repair your vehicle at the roadside, they will typically make arrangements for the transportation of your vehicle to a nearby garage or your chosen destination for further repairs. This is a common procedure when the breakdown issue is more complex and requires the expertise and equipment available at a professional repair facility.
Once it is determined that the breakdown cannot be resolved on-site, the breakdown company will coordinate the recovery and transportation of your vehicle for you. They may arrange for a tow truck or recovery vehicle to be dispatched to your location. The recovery vehicle will safely load and transport your vehicle to the designated garage or location of your choice, subject to the terms and conditions of your breakdown cover policy.
Upon arrival at the garage, the mechanics or technicians will assess your vehicle, diagnose the problem, and carry out the necessary repairs if possible. The breakdown cover provider will typically cover the cost of recovery to the garage, but any additional repair costs or charges incurred at the garage may be the responsibility of the vehicle owner, depending on the terms of the breakdown cover policy. Easy.
In the event that your vehicle breaks down with your pets on board, it's essential to focus on their well-being. Take the following steps to ensure their comfort and security:
Secure your pets: If it is safe to do so, make sure your pets are properly secured within the vehicle using pet carriers, crates, or harnesses. This will prevent them from escaping or getting injured.
Move toa safe location: If possible, relocate your vehicle to a secure area away from traffic. This will help minimise stress for your pets and reduce the risk of accidents or further incidents.
Maintain a comfortable environment: Ensure that your pets have adequate ventilation by partially opening the windows or using the vehicle's air conditioning system. Adjust the temperature to keep them neither too hot nor too cold.
Stay with your pets: If you need to leave the vehicle, ensure that someone remains with the pets at all times. Leaving them unattended in a broken-down vehicle can be dangerous and distressing for them.
Contact breakdown assistance: Get in touch with your breakdown service provider and inform them about your pets.
What's covered by a breakdown policy?
It can vary by company. What is - and isn't - covered by your breakdown policy isn't set in stone, but here's a general list:
- Roadside assistance for mechanical or electrical breakdowns
- Vehicle recovery if the breakdown cannot be fixed at the roadside
- Emergency fuel supply if you run out of fuel
- Battery assistance for jump-starting a flat battery
- Tyre assistance for changing a flat tyre or providing a temporary repair
- Lockout assistance if you accidentally lock your keys inside the vehicle
- Alternative transportation or onward travel options if your vehicle cannot be repaired immediately
- Home start cover for breakdowns that occur at your registered address or a specified distance from home
- Access to a 24/7 helpline for support and assistance
- Coverage for breakdowns occurring within the designated coverage area
- Option for European cover if you plan to travel abroad
- Assistance with arranging repairs or locating nearby garages
- Genuine parts and quality repairs in accordance with the breakdown policy
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About our Author
I'm James Beamer, and I have a passion for all things motoring — in particular, a keen interest in providing valuable information about breakdown cover. With years of experience in the UK car industry, I have developed a deep understanding of the complexities and challenges that vehicle owners face when it comes to breakdowns.
Throughout my academic journey, I have been fascinated by the intricacies of vehicle mechanics and the importance of reliable breakdown assistance. This led me to delve further into the subject and gain practical experience working alongside seasoned professionals in the automotive field. Their expertise and guidance instilled in me a strong desire to create a platform dedicated to helping individuals navigate the world of breakdown cover.
My goal with the BreakdownCover website is to provide comprehensive and impartial information about breakdown cover options available in the UK. I strive to empower vehicle owners with the knowledge they need to make informed decisions about their breakdown protection. Whether it's understanding different coverage levels, comparing providers, or staying updated on industry trends, my aim is to be a trusted resource for all things related to breakdown cover.
I am committed to delivering accurate, reliable, and up-to-date content to ensure that visitors to the BreakdownCover website have a seamless and informed experience. I understand the importance of providing peace of mind and reliable assistance during challenging times, and I am dedicated to helping you find the right breakdown cover that suits your needs.