Simple & Straightforward Breakdown Cover from GEM
Comprehensive breakdown cover - 24/7 home and roadside breakdown assistance, nationwide recovery and onward travel
Value for money - we're up to 45% cheaper than similar breakdown policies and you can cover up to four drivers in one policy
Personal breakdown cover - you're covered in any eligible vehicle* you're travelling in with personal cover
Recommended breakdown cover - highly recommended by experts and members, Defaqto 5 Star Rated
Unlimited callouts - plus we cover driver illness, punctures, flat batteries and running out of fuel or charge
Easy assistance - share your location through the GEM app and log your request in seconds or request recovery by phone
GEM UK breakdown cover includes:
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.
If you breakdown more than a quarter of a mile from home we will carry out emergency repairs to get you going, otherwise we will recover the vehicle to the nearest suitable garage which is able to undertake the repair the same working day. If neither are possible we will recover you to a UK destination of your choice.
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 passengers to any one UK destination of your choice.
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.
Electric Vehicle Recovery
Do you drive an electric vehicle? GEM provides electric vehicle breakdown insurance to EV drivers across the UK, using our vast network of well-trained, experienced recovery operatives.
GEM Club Membership
- - exclusive quarterly magazine packed with motoring and lifestyle articles, competitions, vehicle road tests and more.
- - free motoring, road safety and technical advice
- - specially selected member benefits and discounts such as insurance, travel services, medical plans and more.
*Eligible vehicles: Private cars or motorcycles, Vans with a gross vehicle weight (GVW) up to 3500 kgs, Motorhomes/campervans with a GVW up to 3500 kgs which do not exceed 7 metres/23 feet in length or 2.3 metres/7 feet 7 inches in width (including any extra fitments). All other vehicles are not covered. If in doubt, check the terms and conditions.
"GEM is excellent at keeping you informed, staff are very friendly and the firm offers strong value for money"
How long has GEM Motoring Assist been in existence?
Established in 1932, we’ve been looking after our members for 90 years.
We have a long-standing heritage, and our founding road safety mission remains at the heart of everything we do and we still pride ourselves on going the extra mile to look after our members and keep them safe on the roads. Find out more about The GEM Story.
Do you cover the member or the vehicle?
Our cover is personal, which means we cover you as a driver or passenger in any eligible vehicle you're travelling in.
Handy if you're looking for the best car breakdown cover that also includes more than one vehicle, whether that’s a car or small van, or perhaps something you enjoy less often like a motorbike, motorhome, towed caravan or trailer or an old classic.
So if you're researching the best breakdown cover UK wide, for multiple vehicles, GEM's personal breakdown cover is a great option for you.
Am I covered as a passenger?
Yes! We cover you as a passenger in any eligible vehicle* you are travelling in that is covered under our terms and conditions. Please also see eligible vehicle information below.
What are eligible vehicles?
Eligible vehicles include private cars or motorcycles. Van breakdown cover applies to vans with a gross vehicle weight (GVW) up to 3500kgs. We cover motorhomes/campervans with a GVW up to 3500 kgs that do not exceed 7 metres/23 feet in length or 2.3 metres/7 feet 7 inches in width (including any extra fitments). All other vehicles are not covered.
If in doubt, check the terms and conditions. If you're looking for van breakdown cover, please note we DO NOT cover vans with a GVW over 3500kgs.
Will my caravan or trailer be covered?
Any caravan (up to 7 metres/23 feet long, not including the length of the a-frame or hitch) or trailer (up to 3.05 metres/10 feet long including any load, not including the length of the a-frame or hitch) attached to the broken down vehicle will be recovered with the vehicle.
In the event of a breakdown to the caravan or trailer being towed by the vehicle, we will recover it to any one place chosen within the territorial limits, which means nationwide recovery. Any caravan or trailer must be attached using a standard 50 millimetre (2 inch) towing coupling.
What is the difference between Recovery EXTRA and Recovery RECLAIM?
Getting the best breakdown cover is easy with GEM. Simply choose from two options…
Recovery EXTRA – unlimited call-outs included in your car breakdown cover. Just call our recovery control centre and we take care of everything for you.
Recovery RECLAIM - comprehensive cover at the lowest possible cost, with our pay-and-reclaim option you can contact us for assistance or you can make your own arrangements for assistance and claim the appropriate costs from GEM.
A great option if you prefer to go to a specialist garage, you'd like your vehicle to be seen by a favourite mechanic who knows the service history, or if you want to pay less up-front for your cover.
When is the earliest I can be covered?
The earliest we can cover you from is 24 hours after purchase.
You can buy your breakdown cover up to three months in advance. So, if you're not going to be driving for a while, or you’re getting organised for an upcoming adventure, you can pay now and rest assured that your cover will start when you need it.
How quickly will I get assistance?
We pride ourselves on providing a speedy and efficient service throughout the whole of the UK. Response times can vary depending on the time of the incident, the day, the time of year and of course the weather.
We use a nationwide network of approved local independent recovery operators, which means wherever you break down, help is not far away.
Do you have any testimonials or awards?
GEM breakdown cover is award-winning and highly recommended by the experts…
Top Three in the Auto Express Driver Power Survey for ten years, coming first nine times
Which? Recommended Provider in 2010, 2012, 2015 and 2018
Defaqto 5 Star Rating, one of the most comprehensive policies in the market
And most importantly, by our members… we have an average of 4.5 out of 5 stars for our online reviews on Trust Pilot, Reviews.io, Review Centre and Google.