First off you’ll need to decide if you want cover for a single trip or an annual multi-trip. This determines how long you’ll be covered for. If you’re just going for a one-off trip, then consider a single-trip policy. However, if you’re visiting Europe regularly, an annual policy could save you money in the long run – just be sure to check for exclusions. Key features of European breakdown cover can include:
Home start covers you if you break down at home at the start of your journey. The breakdown company will come to your home and try and fix your vehicle there and then. If they can’t, they’ll tow you to a garage for repair. If your vehicle breaks down at home or within one mile of your home address, your vehicle can be fixed at your doorstep or recovered to the nearest garage for repairs.
Onward journey reimburses you for any travel costs if your vehicle can’t be repaired on the roadside. For example, you could be covered for a taxi back home from the garage. Some policies will even get you a hire car to get you to your destination. If repairs can't be made the same day when breaking down away from your home, you can be provided with either alternative transport or overnight accommodation.
Vehicle recovery gives you peace of mind that you won't have to pay expensive recovery costs if your vehicle can’t be repaired abroad and needs to be transported back to the UK for repairs.
Accommodation cost is offered on some policies, covering the cost of emergency accommodation if you can’t reach your destination while your vehicle is repaired.
English-speaking call centres are offered by some breakdown companies to provide a number to an English-speaking representative to avoid language barriers when arranging repairs and recovery while you're overseas.
If you’re towing a caravan, you’ll need extra cover. Read the fine print, as it won’t be protected within the usual breakdown cover. Cars aren't the only type of vehicle that are covered, you can get breakdown cover for your van or motorbike too.
"When getting European breakdown cover, it's important to get the policy that works for you. If you're likely to travel to Europe several times during 12 months, an annual policy could suit you better. However, if you only plan on travelling once or twice, single-trip policies could end up being the cheaper option for you."
If you find yourself in need of recovery on the side of the road, it's important to know what to do if your vehicle breaks down. That's why it's good to have the right type of policy and the correct level of cover in place before you travel. Here are some difference's between single-trip and annual breakdown policies:
Single trip
Annual cover
Is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Gives you cheap, short-term cover from 1 hour to 28 days for social and business use.
Is a great way to cover you against medical bills, delayed flights and stolen items when you're on holiday.
Being prepared and knowing what to do can be crucial in keeping you and your passengers safe with a broken down car.
Page last reviewed: 27 November 2023
Reviewed by: Louise Thomas
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