My car insurance company asked if I would also like to take breakdown cover with them. Is this the best option?
It can be, but only if you know exactly what the add-on includes. Insurer breakdown add-ons are delivered by a partner assistance company and the cheap tick-box option is usually the basic tier: roadside only, no home start, a low call-out limit and sometimes an exclusion for the first mile from home. At that price it is often good value for what it is. The mistake is assuming it is equivalent to a full policy.
Write down the level offered and the call-out limit, then price the same level standalone on our comparison page. If the add-on is cheaper for the same thing, take it. Two further points: the add-on is vehicle cover, so it will not follow you into another car; and it renews with the insurance, so it rarely gets compared again and the price drifts up.
We have a longer guide on car insurance with breakdown cover that lists the questions to put to the insurer before ticking the box.
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