![]() Generally classed as the RAC's main competitor, the AA has become a household name across the UK in its 116 years on the UK's roads. AA Breakdown Cover, from £8.66 per month - buy here.It offers three levels of breakdown cover: Standard, Advanced and Ultimate, and, at the time of writing, it is offering a number of deals and discounts that make them look very attractive - new buyers of Advanced insurance - which costs £15 per month - get one month free, and buyers of Ultimate insurance, which comes with up to a week of alternative transport and a dedicated rescue line, get three months free - a saving of £57. The RAC is one of the best-known motor repair companies, and claims to be the biggest provider of breakdown cover in the UK, with nearly 12 million personal members and business customers. RAC Breakdown Cover, from £9.50 per month - buy here.GEM's value for money has also been boosted by an offer that gives you 12 months of breakdown cover for the price of 10. However, this year it found itself in third, due to the fact that staff can occasionally take a while to reach you. ![]() GEM claims that it is up to 63% cheaper than similar breakdown providers, and it definitely looks good on paper - its discounted price of £65.42 per year works out at just £5.45 per month. It was the winner of AutoExpress' 2019 Driver Power Survey (it has been in the top three every year since 2012) with the magazine stating that it was impressed by how communicative and friendly staff were, and the value for money that its policies represent. GEM Motoring Assist has been rated highly for how good its buying process is. GEM Motoring Assist Breakdown Cover, from £65.42 per year - buy here.Knowing that you can get help (even if you’re in someone else’s car) makes breakdown cover is a no-brainer for peace-of-mind. Breakdown services have various plans, from coming out and towing you to the nearest garage or even dropping you at a station and fronting the cost of your train fare so you can continue your journey. Plus, you might end up paying top dollar for repairs that you could get done significantly cheaper elsewhere. The cost can quickly run into the hundreds of pounds, and you'll need to work out how you’ll get home and retrieve your car at a later date if the garage can’t fix it. If you don’t have breakdown cover, your only choice is to call a recovery service and pay for a tow to a local garage. You put yourself in a whole new world of pain without breakdown cover, and your dealership cannot help you fix it - so we're taking a look at why you should get breakdown cover, and who you should buy it from.
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