Buy Breakdown Cover



FROM ONLY £91.00

Recovery Reclaim & Personal Breakdown Cover

With GEM Motoring Assist, our personal breakdown cover automatically includes home and roadside assistance, nationwide recovery and onward travel.

Getting covered is easy - simply choose from two options…


Recovery EXTRA – unlimited call-outs, just call our recovery control centre and we take care of everything for you.


Recovery RECLAIM - comprehensive cover and recovery service at the lowest possible cost, with our pay-and-reclaim option you can request our breakdown assistance, or you can make your own arrangements for assistance and claim the appropriate car breakdown recovery costs from GEM. So when you're looking at the cost of vehicle recovery, this is 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.


Recovery RECLAIM offers comprehensive, pay-as-you-go breakdown assist and recovery cover, with roadside assistance and vehicle recovery with onward travel breakdown cover across the UK.

With Recovery RECLAIM, you can pay for your repair or recovery yourself and reclaim the appropriate vehicle recovery costs from us afterwards.

You can call our Rescue Control Centre or use your own car recovery service if you use a specialist garage or want to use your usual friendly mechanic.


Recovery RECLAIM will suit you 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

  • You want to pay less up-front for your cover


Defaqto rating

Comprehensive personal cover at the lowest possible cost

  • Home assistance

  • Roadside assistance

  • Unlimited call-outs

  • Nationwide recovery

  • Onward travel

  • GEM membership

With our pay-and-reclaim option you can request assistance or make your own arrangements for assistance and claim the appropriate costs from GEM.

Important information and terms & conditions

Please note

All people must live at the same address

We do not cover vans with a GVW over 3500 kgs





Family 3


Family 4


What does GEM Motoring Assist Recovery RECLAIM include?

Recovery RECLAIM is a personal breakdown recovery service. You will be covered driving any car or motorcycle. You will also be covered if you drive a van within a gross vehicle weight up to 3500 kgs or if your car is towing a caravan or small trailer. This is what's included:


  • If you're at home or within a quarter of a mile of your home address and your vehicle won't start call us for Home Assistance. We'll either fix it there or take it to the nearest suitable garage which is able to undertake the repair.

  • If you break down on your journey, we provide Roadside Assistance. We can do most basic repairs right there.

  • If we can’t repair it at the roadside or we are unable to find a local garage to carry out the repair during that working day we will take you, your vehicle and the passengers to your destination. Nationwide Recovery anywhere in the UK.

  • If you're far from home, we can even help with Onward Travel and Overnight Accommodation.

  • We don't just assist car breakdowns but also accidents and driver illness.


You're also covered as a passenger and, if you're driving a hired or borrowed vehicle, we can help too.


Recovery RECLAIM and Recovery EXTRA both carry the same GEM Personal Cover benefits:


  • We’re just around the corner
    We use a nationwide network of approved local independent recovery operators, which means wherever you break down, help is not far away.

  • We cover vehicles of any age
    Many breakdown recovery providers will only cover vehicles of a certain age, but at GEM we appreciate heritage. As long as the vehicle is road worthy and meets our eligible vehicle criteria, it doesn’t matter how old it is… it’s covered.

  • We cover YOU
    Our cover is personal, which means we cover you as a driver or passenger. Handy if you use 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, trailer or an old classic.

  • We cover the unexpected
    As drivers we encounter all sorts of mishaps like flat batteries, punctured tyres and the unthinkable… running out of fuel. So, if something goes wrong, we'll help you put it right.

  • Simple one-off payment
    Getting covered is easy, it’s just one up front annual payment with no hidden fees or extra charges... and that’s it! You can pay with most debit and credit cards or you can set up an annual Direct Debit. You can even set your cover to automatically renew.

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