Annual breakdown cover
You pay a yearly fee and the provider attends most breakdowns at no extra cost. Good for high-mileage drivers, older cars and people who would worry about a surprise bill. Watch the small print — many policies exclude home start, recovery beyond a set distance, or specific vehicle types.
Pay-per-use recovery
You pay only when you need help, usually at a fixed quoted price. Often cheaper overall if you rarely break down, and you can choose who attends and where the car goes. No membership admin, no exclusions to remember.
Which suits you?
Drive a newer car, low mileage, mostly local? Pay-per-use usually wins. Drive an older car a lot, especially at night or long-distance? Cover may be worth it. Run a small fleet? A business account with a local recovery firm often beats both.
Need help now? We are based in Oldbury and dispatch 24/7 across the West Midlands.
Call 07402 666 687More guides
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