I must also add, I have never had breakdown cover, I think it's a massive con'. I am 50 and I have only ever needed recovery one time; I was travelling back to Poole from Durham in 2001 in a 1967 Morris Mini 850cc when the crankshaft pulley gave up and the outer half of it decided it would rather remain somewhere near Oxford than stay with us for the rest of the journey back to Poole. I called a local recovery service, a really nice bloke was with us after just under 2 hours, he loaded the Mini on the back of his truck and took us home. It was a bit stressful because this had never happened to me before but it was actually fine. The bill for a recovery from Oxford to Poole was 160 pounds and, having never had recovery insurance or AA or RAC membership I would say that I am financially hugely better of than if I had paid every year for 32 years for any of those things. They say they are selling you peace of mind but its a big lie; it doesn't give you peace of mind (you will still worry about breakdowns and if you have one it is just as stressful) and, if you do have a breakdown, they are no better than an independant recovery service. In fact, if you get recovery insurance and then have a breakdown, it will undoubtably be one of the local independant services that carry out your recovery anyway.