I am looking for breakdown cover which will cover both my husband and me driving either of our two cars. Does this exist, or is it cheaper to get our own separate cover?
It exists, and it is usually the cheaper route. What you want is joint personal cover: a policy that names two people at the same address and covers each of them as driver or passenger in any eligible private vehicle. Whichever of you is in whichever car, you are covered. The AA, RAC, Green Flag and GEM all sell it.
Compare it against two vehicle policies at the level you actually want — say roadside, home start and recovery. In most households the joint personal policy comes out ahead, and it has a bonus: it covers you in a hire car, a friend's car or your daughter's car too.
The one situation where two vehicle policies are better is when other people regularly drive your cars. Personal cover follows you, not the car; if your son borrows the Golf and it breaks down, he is not covered. In that case either keep vehicle cover on the shared car, or look at a family personal policy that covers everyone at the address.
Our guide to personal versus vehicle cover goes through the trade-offs in more detail.
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