breakdown cover

What towing & recovery actually covers

A black car is moved onto the back of a tow truck.
There’s more to a breakdown service than you might think.

Breaking down is stressful enough without also having to wonder: Will I have to pay for recovery? What happens if I’ve had an accident? Does my breakdown cover include towing?

Many drivers assume towing is automatically included in every breakdown policy. But the truth is, the level of support you get depends on what’s covered in your specific roadside assistance plan.

This guide explains what towing and vehicle recovery services usually include, what they don’t, and who pays for towing after an accident.

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Expert advice: why breakdown cover is a smart idea

why breakdown cover
Breaking down usually happens when you least expect it (Picture iStock/Andresr)

You might think you have a relatively new, reliable car and don’t need breakdown cover. You probably won’t be surprised when I reveal we attend thousands of calls every year from drivers who have broken down in relatively new, apparently reliable cars.

Here’s a classic example. It’s been a cold night, you go to start your car in the morning and when you turn the key you just get a click and nothing else. Flat battery.

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