Hi --- Click on the, "key facts and policy wording" a seperate window opens and states that the £40 excess applies to claims under sections A,B and C of the policy, which basically is any claim under any conditions of the call out, not just at home but anywhere.
Google, " autoaid" and see what you think of their cover ? £34 full cover/year, but you pay the full costs of the breakdown callout yourself, then send the receipts in for them to reimburse your expenses in full, within ten days.