Breakdown cover might already be included in your policy, but if you’re given the choice of adding it as an extra that otherwise wouldn’t be included, then it’s worth weighing up the benefits.
The average cost of a fully comprehensive car insurance policy that included breakdown cover as standard was £597 a year – and the average cost of adding it as an extra to fully comprehensive policies that didn’t have it as standard was £39 a year.*
But without breakdown cover, and depending on how serious the breakdown is, you could be faced with the following costs:
- A mechanic callout to your location, which can be in the region of £40 to £50
- A tow truck to take your car to a garage if it can’t be repaired on the road, which is usually charged by the mile
- Overnight storage if there are no garages open, which often comes up to £30-a-night
Being towed from a motorway can cost even more than this, up to £250 if you’re on the hard shoulder.
The in-between option would be to take out instant breakdown cover. In this case you’ll be fully covered as any other customer would be, but you’d have to pay an extra fee – often between £50 and £100.
*Based on MoneySuperMarket data, accurate as of May 2020.