My Breakdown Cover

Personal breakdown cover

Cover that follows you in any vehicle — compare personal breakdown cover deals from the UK's leading providers.

Compare personal deals Deals from £35.30 a year

What is personal breakdown cover?

Personal breakdown cover attaches to you rather than to a vehicle. Break down in your own car, a partner's, or a friend's — you're covered, and many policies also cover you as a passenger.

Policies typically include roadside repair and towing services, with the vehicle recovered to a nearby garage for necessary repairs when it can't be fixed on the spot. Most policies do not cover accidents, and they can often be tailored to your particular needs — sometimes taking the age of the vehicle into account — so read the policy wording before purchasing.

What's included

The same four building blocks as vehicle cover — roadside assistance, national recovery, home start and onward travel — but valid in whichever vehicle you're in. Feature availability varies by plan, so compare deals on the features you'd actually use.

Who it's for

Drivers who use more than one vehicle, households where one person does the driving across several cars, and anyone who wants cover as a passenger too. If you usually drive only one vehicle, or your household runs a single shared car, vehicle cover is usually the cheaper route.

Frequently asked questions

What is personal breakdown cover?
Cover that protects you — the person — in any vehicle you're driving or travelling in as a passenger, rather than one named vehicle.
Is personal cover more expensive than vehicle cover?
Usually, because one policy covers you in any vehicle rather than a single named one. If you drive two or more cars it often works out cheaper than buying a separate vehicle policy for each. Compare personal deals to see current prices.
Does personal cover include me as a passenger?
Most personal policies cover you as a passenger in someone else's car as well as when driving — check the policy wording for the deal you choose.
Who offers personal breakdown cover?
Most major providers offer personal breakdown cover policies, such as The AA and RAC — see our reviews for how they compare. Our comparison table lists every personal deal we track.
What should I do if I need to use my personal breakdown cover?
Call the number on your policy documents and quote your membership or policy number. The provider sends a patrol to fix the fault at the roadside where possible, or recovers the vehicle per your policy's recovery level.

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