Hi --- There is so much competition from companies offering the cover you require, to get the best comparisons for what you need put the words," europe breakdown cover " into Google, you will be overwhelmed by the choices you are given.
You should not have to pay for any emergency repairs to get you going or to bring you home if the problem is not easily fixable, but if you are taken to a garage for permanent work then you are responsible for those costs directly with the garage.