With the cost of running a car an expensive outgoing, do we really need breakdown cover on top? It really depends on how much you use your car and how far you travel. Many insurance companies now offer 12 months free breakdown cover as part of the package and even some bank accounts come with car breakdown. Always read the small print and check what you are covered for as there is a few options and many do not include home start. If you find that you come to start your car on the drive and it won’t go, you may not have sufficient breakdown cover to allow the company to assist you. This is of course normally an added extra which carries a cost but if this is something that is vital to you getting to work then it may be worth while having. Being towed to a garage can cost hundreds of pounds alone which most breakdown covers will include so a one off payment of £150 for 12 months car breakdown could pay for itself in one incident.