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

in the Auto Express Driver Power Survey 2017

Compare breakdown cover

Breakdown Comparison

It’s difficult to compare breakdown cover across different companies, because they all package their services slightly differently. A quick glance at a car breakdown cover comparison site won’t tell you everything. You look more closely to see what each policy covers... and what it excludes.  Very often, you aren’t comparing like with like at all.

Did you know…

Some breakdown cover companies won’t come out if you run out of fuel, fill up with the wrong fuel, get a flat battery or lose your car keys. They put limits on how many times a year you can call them out. They charge more for older vehicles.

With GEM there are no complicated exclusions or add-on fees. We offer just two simple options at up-front prices

Here’s a breakdown cover comparison table for policies that include roadside assistance, home assistance, nationwide recovery and onward travel options for a single person.

 GEM Products

GEM Price

Similar AA Product

Similar RAC Product

Recovery EXTRA

You want us to organise everything, including the callout and paying fees and labour charges.




Recovery RECLAIM

You're happy to pay callout and labour charges yourself, and reclaim these from us later. This is also a good option if you want to use your preferred garage or mechanic.


Exclusive to GEM!

NOTE: Prices correct as of 26th March 2018 for new personal cover customers joining directly via AA/RAC/GEM websites. Please check Terms & Conditions for full details.


Well, even more surprising... you’ll find GEM policies cover everything you'd expect from a top-price provider and more:

  • If you’re at home and your car won’t start (or grinds to a halt around the corner) call us for Home Assistance. We’ll either fix it there or take it to a garage that can.
  • If you break down on your journey, we provide Roadside Assistance. We can do most basic insurance repairs right there.
  • If we can’t repair it at the roadside, we provide breakdown Recovery. We’ll take you, your vehicle and up to seven passengers to your destination... anywhere in the country.
  • If you’re far from home, we can even help with Onward Travel and Overnight Accommodation.
  • We don’t just assist breakdowns but also accidents and driver illness.
  • Many car breakdown cover policies don’t cover motorbikes, caravans and trailers.  GEM’s polices include these types of vehicle at no extra cost.
  • We cover vehicles of any age for the same price and there’s no limit to how many times you can call us out in a year.
  • You’re also covered as a passenger, if the vehicle belongs to you. If you’re driving a hired or borrowed vehicle, we can help too.


Find out what makes GEM Breakdown cover award winning...