Firstly, decide whether you want to cover the vehicle or the person. Covering the vehicle means anyone driving it will be covered, regardless of whether they are the policyholder or not. Covering the person means you're insured as the driver or passenger of any vehicle, and although it is typically more expensive than vehicle cover, it is handy if you drive several vehicles.

Secondly, decide which cover level is most suitable for your needs. Choose from:

Platinum

• Fix at roadside
• Recovery to garage
• Recovery of up to 7 passengers
• Recovery to any UK destination
• Fix at home
• Onward travel (train ticket, hire car or accommodation)

Gold

• As Platinum but without onward travel

Silver

• Fix at roadside
• Recovery to garage
• Recovery of up to 7 passengers
• Recovery to any UK destination

Bronze

• Try and fix problem at the roadside
• Recovery to nearest garage only

This range of cover levels offers you the choice of very basic cover through to a very comprehensive service offering alternative transport or hotel accommodation. Finally, depending on which cover you have specified, you can add another vehicle or person on to your policy, providing they are registered at the same address as yourself. In some cases partners can be added to your policy free of charge.

To do an online quotation please visit www.moneysupermarket.com/roadsiderescue