GEM breakdown cover was voted ‘Best Breakdown Cover – Gold Winner’

in the Auto Express Driver Power Survey 2017

Get 2 Months Breakdown Cover FREE

’12 months for the price of 10’ on all new policies (ends 24/06/18)*

Why choose Breakdown Cover from GEM?

Deciding what level of breakdown cover you require is not always easy. At GEM we have done this for you. We only offer fully comprehensive UK cover, so whether you breakdown at home or at the roadside you can rest assured we will come to your rescue. 

Our Personal Cover allows you and up to 3 other drivers in your household to be covered in any vehicle they are driving**, so all you need to decide is who you want to cover. 

We are there for you, 24 hours a day, 365 days a year.

Unlimited callouts, punctures, flat batteries and running out of fuel are all covered.     

Summary of our 24/7 UK breakdown cover:

Breakdown Cover Benefit Tick Roadside Assistance

If you break down more than a quarter of a mile from home we will carry out emergency repairs to get you going. If we are unable to do this nor find a local garage to repair the vehicle the same working day, we will recover you to any one UK destination of your choice

Breakdown Cover Benefit Tick Nationwide Recovery

If we are unable to arrange for a repair of your vehicle at or close to the breakdown scene we will recover you, the vehicle and up to 7 passengers to any one UK destination of your choice.

Breakdown Cover Benefit Tick Home Assistance

If your vehicle will not start or breaks down at or within a quarter of a mile of your home we will either repair it there or if that is not possible take it to the nearest suitable garage. (For members with our RECLAIM scheme you can reclaim up to a maximum of £70 for this service).

Breakdown Cover Benefit Tick Onward Travel

If you break down more than 25 miles from home and repairs can’t be carried out that day we can assist with onward travel or overnight accommodation up to the value of £200.

Breakdown Cover Benefit Tick Club Membership

With Club membership of GEM you will receive our quarterly magazine Good Motoring, have access to free road safety and technical advice, specially negotiated discounts on car insurance, airport parking, hotels, travel insurance, car hire and much more. 

  • GEM credits

We cover:

  • Unlimited Callouts
  • Running out of fuel
  • Flat battery
  • Punctured tyre
  • Driver illness
  • **Any vehicle - (excludes vans with a GVW over 2500 kgs, HGVs, LCVs, minibuses, vehicles used for private/public hire or to carry livestock. If in doubt, check the terms and conditions to check your vehicle is covered).

Driving in Europe?

To arrange European breakdown Cover, GEM have teamed up with travel insurance specialists P J Hayman to bring you Euro Plus: a discounted European Breakdown Cover and Personal Travel insurance.


"Great service. Excellent friendly knowledgeable mechanic. Very quick to arrive".

GEM member, November 2017

Getting covered is easy. Simply choose the option that's right for you...

Our most popular cover

Option 1

Recovery EXTRA

Fully comprehensive cover...

Just one call to our Rescue Control Centre, and we will take care of everything, just like you'd expect...'s that simple!

Breakdown Cover Terms & Conditions

NOTE: All people must live at the same address

Option 2

Recovery RECLAIM

The same quality breakdown service at a lower yearly price.

With RECLAIM, you pay for your repair or recovery yourself and reclaim the appropriate costs from us afterwards.
You can call our Rescue Control Centre, or make your own arrangements if you use a specialist garage or want to use your preferred mechanic.

Breakdown Cover Terms & Conditions

NOTE: All people must live at the same address

We offer the following payment methods:

We do not charge extra for paying by credit card.

Please note: We are unable to offer payment by instalments.


FREE mobile app for iPhone and Android

Our mobile AppGEM Motoring Assist's free mobile app has been developed to give our members extra peace of mind. This has been developed for you, the member, to ensure that if you break down you can tell us exactly where you are.

available at the App store available in Android Market

open quote Having broken down on the M25 (Bit scary!) the recovery agent battled through heavy traffic and then performed miracles on a burst hose that allowed me to reach my destination.
He was courteous, friendly and efficient. close quote

Mr Fearne