Local recovery
If you break down more than a mile from your home, local cover will get you, your passengers and your vehicle to the nearest suitable garage
Multi-car breakdown cover
Compare multi-car and family breakdown cover quotes.
What is multi-car breakdown cover?
Multi-car breakdown cover lets you arrange roadside assistance and recovery for more than one eligible vehicle under the same policy. You can also consider personal or family breakdown cover, which protects named people when travelling in eligible vehicles rather than covering specific cars.
When you compare breakdown cover with MoneySuperMarket, you can request cover for up to four vehicles or four people from your household.
Compare breakdown cover from 17[2] trusted UK providers
Find the best breakdown cover policy for you by comparing deals from leading UK insurers
Am I covering multiple cars or drivers?
Vehicle breakdown cover protects named vehicles, while personal/family cover protects named people - the right choice depends on how many cars you have and who uses them.
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Multi-vehicle cover
Covers the vehicles listed on your policy
Useful if several people drive the same cars
Each named vehicle can be covered no matter the driver
Unlisted vehicles won't be covered
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Personal/family cover
Covers named people in eligible vehicles
Useful if you regularly drive different vehicles
Named people can be covered as drivers or passengers
Unnamed drivers travelling alone may not be covered
What breakdown cover do I need?
You'll be able to choose between local or national recovery, then you'll have the option of adding extras for home start and onward travel cover.
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Nationwide recovery
If you break down more than one mile from your home and your vehicle can't be repaired the same day, nationwide cover will take you, your vehicle, and your passengers either home or to your chosen destination within the UK.
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Home start
Home start provides assistance if a vehicle breaks down at or near your registered home address. This could be useful if one of your household's cars won't start on the driveway or develops a problem before a journey.
+ Available as an optional extra.
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Onward travel
Onward travel may help you continue your journey if a covered vehicle can't be repaired. Depending on your policy, this could include alternative transport, car hire or overnight accommodation.
+ Available as an optional extra
What isn't covered by a multi-car breakdown policy?
Like any kind of insurance, multi-car breakdown policies can come with some exclusions - these vary between providers, but common examples include:
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Unlisted vehicles or people
Vehicles or household members not included under your chosen policy may not qualify for assistance.
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Repairs and replacement parts
You'll usually need to pay separately for replacement parts and repairs carried out at a garage.
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Ineligible vehicle use
Some policies exclude certain business activities or vehicles that don't meet the provider's requirements.
Is multi-car breakdown cover cheaper?
Multi-car breakdown cover can work out cheaper than covering each vehicle or person separately, but it's not always guaranteed. It's better to compare all of your options so you know what cover you're getting and can find the best value for it.
Your premium can be affected by things like the number of people or vehicles on your policy, as well as whether you pick local or national cover, and add extra policies for home start or onward travel cover.
Do I already have breakdown cover?
Before buying multi-car breakdown cover, check whether you or anyone in your household already has suitable protection.
You may have assistance through an existing personal or family breakdown policy, breakdown cover included with car insurance, a packaged bank account or a manufacturer's assistance scheme.
How to compare multi-car breakdown cover
You can compare breakdown cover through MoneySuperMarket - it only takes a few minutes to find the right cover:
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Tell us what you need
Tell us what kind of cover you need, and how many people or vehicles you want to insure
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Compare options
We'll search the market and show you policies that meet your needs for you to compare
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Finalise cover
Click through to the provider's website to finalise your purchase and you'll be covered!
Our expert says…
The number of cars in your household doesn't necessarily tell you which breakdown policy offers the best value - if several people share those cars, vehicle cover might make sense, but if one person regularly uses different vehicles, personal cover could be worth comparing. You should think about who needs cover and the type of cover that suits best before deciding which option costs less overall.
Sara Newell Motor & Home Insurance Expert
Why should I compare breakdown cover with MoneySuperMarket?
Comparing quotes from different insurers allows you to find the best deal out there.
We can do this work for you.
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We're trusted
We've been around since 1993 and are the UK's most recommended price comparison website[1].
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Save time
We take the effort out of shopping around. Get quotes from top insurers in minutes.
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Save money
Our mission is to save you money. We save our customers £1 bn+ on their bills every year[3]
Is multi-car breakdown cover more cost-effective than separate policies?
Yes, multi-car breakdown cover is usually more affordable than purchasing individual policies for each car in your household. Providers often offer discounts for covering multiple vehicles, and the more cars you include, the bigger the savings you’re likely to enjoy.
Is it cheaper to get breakdown cover which covers the car or the driver?
Covering the car is typically more cost-effective, as the policy is tailored to the specific vehicle and the issues it might face.
Does multi-car breakdown cover include family living away from home?
Yes. Multi-car breakdown cover can also extend to a family member living away from home, provided their vehicle is registered at the same home address.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is breakdown insurance eligible for SuperSaveClub and rewards?
No, at this time breakdown insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 26 Oct 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2025 to 30th June 2026. Net Recommend score derived from "Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?" Base: Current Customers of (MoneySuperMarket n=17,883, Compare the Market n=16,193, Go.Compare n=8,523, Confused.com n=7,918, Uswitch n=514)
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[2]
Accurate as of October 2026
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[3]
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
