Breakdown Cover Calculator

Is breakdown cover worth buying? Calculate the expected cost vs. the average callout price to decide if annual cover makes financial sense.

Annual breakdown cover cost (£)

Vehicle age

Annual mileage

Type of cover

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Fill in the details to get your result.

How This Works

Expected annual breakdown cost = breakdown probability × average callout cost. Probability varies significantly with vehicle age and mileage. A newer car under warranty has very low breakdown probability, making cover poor value unless included free. Older high-mileage vehicles have much higher breakdown rates and make standalone cover genuinely worthwhile.

Standard car insurance does not include breakdown cover — they are separate products. Some premium insurance policies include basic roadside assistance. Multi-car breakdown policies (covering all vehicles at one address) from providers like RAC, AA, Green Flag or Direct Line are typically better value for households with 2+ cars. Many credit cards also include breakdown cover as a benefit — check before buying separately.