When your vehicle breaks down, the last thing you want to worry about is whether your recovery service will actually come through—or hit * you with unexpected fees. While comparison sites may seem like the easiest way to find cheap breakdown cover, they often come with hidden costs. Fortunately, there’s a smarter way to save money without compromising on service.
Cut Out the Middleman – Get a Better Deal by Going Direct
Most comparison websites charge providers commission fees, which are then baked into the quote you see. That means you’re often paying more than you need to—without even realising it.
By going direct to a reputable provider, you avoid these additional fees and get the most accurate, up-front price for your policy. You also gain access to exclusive policy options that aren’t available via comparison sites.
What to Look for in Breakdown Cover
It’s tempting to just go for the cheapest deal. But before committing, take a closer look at what’s actually included. Many basic policies don’t cover the essentials—leaving you to add on home start, onward travel, or misfuelling support at an extra cost.
Here’s what quality breakdown cover should include:
- ✅ Roadside Assistance
- ✅ Home Start
- ✅ Unlimited Call-outs
- ✅ Nationwide Recovery
- ✅ Onward Travel
- ✅ Help with Misfuelling, Flat Batteries, and Running Out of Fuel
With some providers, these features are optional add-ons. With others—like GEM—they’re all included as standard.
Real Savings: Compare the Numbers
Here’s a quick look at how comprehensive personal breakdown cover compares when you go direct:
| Provider | Policy | Price |
|---|---|---|
| Direct with GEM | Recovery EXTRA | £106.00 |
| Direct with GEM | Recovery RECLAIM | £91.00 |
| AA | Equivalent Cover | £220.11 |
| RAC * | Equivalent Cover | £148.70 |
Prices as of 1st May 2025 based on postcode CO1 1UX and age 47.
That’s a saving of up to £129 when you choose GEM over the AA *—and you’re still getting full cover.
Avoid Hidden Costs and Policy Limitations
Some budget providers may:
- Limit the number of callouts you can make each year
- Charge extra if your car is over a certain age
- Exclude home assistance or onward travel
- Refuse to help if you run out of fuel or use the wrong one
Always read the fine print. The lowest advertised price isn’t always the best value when you factor in service quality and coverage gaps.
Get More with GEM: All-Inclusive Breakdown Cover from £91
GEM Motoring Assist, a Which? Recommended Provider for Breakdown Services 2024, offers personal breakdown cover with everything included—no need to build your own plan or worry about exclusions.
Highlights include:
- Personal cover: you're protected whether you’re driving or a passenger *
- 24/7 assistance across the UK
- Support for up to four household drivers under one policy
- No excess charges
- Unlimited callouts—even for common issues like punctures and flat batteries
GEM also gives you two flexible options:
- Recovery EXTRA – Full service arranged by GEM
- Recovery RECLAIM – Pay your preferred garage and claim back the costs
The Bottom Line
If you want to save money on breakdown cover, skip the comparison sites and go direct to a trusted provider. You’ll avoid third-party fees, gain access to exclusive pricing, and ensure that you’re fully protected when you need it most.
Ready to save and stay covered?
👉 Get a direct quote from GEM today
Breakdown Cover for Under 25s and New Drivers
If you’re a new driver or under 25, finding reliable breakdown cover can feel * overwhelming. With so many options—and so much small print—it’s hard to know who to trust. Many young drivers are hit * with higher premiums or limited cover simply because of their age or inexperience. That’s why it’s crucial to choose a provider that treats you fairly and doesn’t penalise you for being new to the road. GEM’s personal breakdown cover protects you whether you’re driving your own car or riding as a passenger *, giving young drivers the peace of mind they need—without the inflated costs.
Fair and Reliable Breakdown Cover for Over 60s
Drivers over 60 need breakdown cover that’s dependable, straightforward, and doesn’t apply age-related restrictions. Unfortunately, some providers increase costs or limit cover for older vehicles or older drivers. GEM Motoring Assist takes a different approach. With no age discrimination and no vehicle age surcharges, you get the same great service—at the same fair price. Whether you’re heading out on a long trip * or just running errands, you can count on 24/7 support that’s tailored to your needs, not your age.
Female Drivers and the Need for Trusted, Inclusive Breakdown Cover
Despite outdated stereotypes, female drivers are statistically safer on the roads. In fact, research consistently shows that women are involved in fewer serious collisions and tend to drive more cautiously. Yet, many still feel * vulnerable when breaking down alone—especially at night or in remote areas. That’s why it’s essential to have breakdown cover from a provider that puts your safety first. GEM offers nationwide recovery, home assistance, and onward travel as standard, so you’re never left stranded or unsure of what to do next *. With GEM, female drivers get full, inclusive cover and peace of mind, wherever the journey takes them.
Breakdown cover doesn’t have to break the bank. Get full protection, top-rated service, and real value—without the comparison site markup.
