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GEM IS A WHICH? RECOMMENDED PROVIDER FOR BREAKDOWN SERVICES 2024

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Classic Car Breakdown Cover

GEM Motoring Assist - Which? Recommended Provider for Breakdown Cover 2024

Classic cars are a bit different from the run-of-the-mill vehicles you use to get you from A to B aren’t they? And GEM’s breakdown cover is a little different from that offered by other breakdown cover companies…

You might be asking "what is the best breakdown cover for older cars?", our breakdown cover policy includes breakdown cover for older vehicles, and any other eligible vehicle* you drive, at no extra cost.

As a classic car owner, we know your classic vehicle is your pride and joy and that keeping these magnificent machines on the road and in fantastic condition is important to you. This is why our main 24 hour breakdown cover includes cover for classic cars and a host of attractive policy features that are not always offered by our competitors.

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Our classic car breakdown cover offers reassurance to many of our members

Simplicity – as GEM's breakdown cover for classic cars is personal cover rather than vehicle-based, owners of classic vehicles do not need to take out a separate recovery policy.

This means that our scheme will cover you in whichever eligible vehicle* you are driving; whether this is your classic car or motorbike or your normal ‘week-day’ mode of transport.

Flexibility - if you choose our Recovery RECLAIM policy - our policyholders are always welcome to use our 24-hour breakdown control centre. However, we fully understand that many classic vehicle owners often prefer to use a specialist garage which knows their car inside-out.

If you do wish to use a garage of your choice for roadside assistance or recovery, then under our special Recovery RECLAIM policy, you can arrange this, paying the recovery operator for your repair or recovery and then reclaiming the appropriate costs from GEM afterwards.

Of course, you can contact our 24-hour control centre at any time if you prefer to pay-and-claim with us, for example, if your favoured garage is closed.

Freedom – our breakdown cover for classic cars imposes no limit on the distance involved in recovering the vehicle if you break down more than a quarter of a mile from your home and we can't get you going.

Practicality – we know that classic vehicles sometimes need a little friendly push or help with starting so we include Home Assistance with our cover.

Finally, bear in mind that we cover vehicles of all ages. If you’re a classic vehicle enthusiast be sure to team up with GEM!

Our Classic Car Breakdown Cover includes:

Vehicles of any age
Unlimited callouts
Running out of fuel
Flat battery
Punctured tyre
Driver illness

Read Full cover details >

A policy and service for YOU

GEM breakdown cover is personal. This means you are covered as a driver or passenger in any eligible vehicle* you are travelling in.

We're also on call if you're driving a hired or borrowed vehicle. We can even help if you fall ill at the wheel. We look after you.

We can cover up to four drivers in your household so you can all be covered, whatever you drive. We provide the best breakdown cover available on a budget. When you compare our policies with similar ones, you'll find we're cheaper.

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Fully Comprehensive Cover from just £91.00

Roadside Assistance

Nationwide Recovery

Home Assistance

Onward Travel

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*Eligible vehicle: 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). If in doubt, check the terms and conditions.

FAQs

GEM is a Which? Recommended Provider for breakdown services 2024... find out more about our breakdown cover below.

How much is breakdown cover?

The cost of breakdown varies between providers and levels of cover. Not all breakdown cover policies are like-for-like so it’s important to bear this in mind when comparing prices. At GEM, we only offer all-inclusive policies that automatically include home and roadside assistance, nationwide recovery and onward travel.

Find GEM breakdown cover prices here

Take a look at our breakdown cover price comparison - you might find we are cheaper than other breakdown cover providers.

How can I get a breakdown cover quote?

With some breakdown cover providers, you have to pick and choose the cover you want.

Getting covered with GEM is easy in a few simple steps, since we only provide all-inclusive cover that automatically includes everything.

See our prices here

Can I combine car insurance with breakdown cover?

GEM breakdown cover is a standalone policy that covers you for breakdown recovery only. Some car insurance policies will provide breakdown cover as an added benefit, however it’s important to check the level of cover this includes.

Is roadside assistance the same as breakdown cover?

Roadside assistance is the basic level of breakdown cover. Having this kind of cover in place means your breakdown company will send out someone to help you if you break down on the side of the road. A full breakdown cover policy, like those provided by GEM, will also cover you if your car won’t start or has a flat tyre at home.

Can you transfer breakdown cover?

Breakdown cover is either personal or vehicle cover. If you have personal cover, in other words YOU are covered and not the car itself, you won’t need to transfer your cover if you get a new vehicle. In fact, at GEM you won’t even need to tell us about the change of vehicle and you are also covered if you are a passenger in a vehicle that breaks down, so there is no need to transfer your cover.

Does using breakdown cover affect no claims?

No. Your breakdown cover and your car insurance are completely separate, even if they are provided through the same company.

Is breakdown covered by insurance?

Breakdown cover is different to a motor insurance policy. Breakdown cover isn’t usually included with standard car insurance, but it’s worth checking with your provider. Sometimes breakdown cover is offered as a bundle for a discounted price.

How long has GEM Motoring Assist been in existence?

Established in 1932, we’ve been looking after our members for over 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.

We introduced our own independent and comprehensive breakdown recovery service over 40 years ago. GEM has been named a Which? Recommended Provider for Breakdown Services, September 2024.

Read more about our car breakdown cover and 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 multi-car breakdown cover option for you.

If you are looking for a car breakdown policy for a specific vehicle, then vehicle cover could be another 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.

Will personal breakdown cover also cover my family?

If you're looking for family breakdown cover, you can cover up to three other members of your household by your personal breakdown cover policy. Please note, this only means family members who are driving age, you don't need to let us know about other family members in your household, such as young children. We cover up to four drivers in one household at GEM.

Personal vehicle coverage does not automatically cover your family members, only those in the same household as the policyholder who are named on the policy. However, if you are driving your vehicle, your passengers will be covered under your policy.

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.

Do you cover classic cars?

Yes! We cover vehicles of any age, including classics. Looking for classic car breakdown cover?

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.

Looking for caravan or motorhome breakdown cover?

Does personal breakdown cover include rental vehicles?

Yes! If you break down while driving a rental vehicle then your GEM personal car cover will cover you because you are covered as a member, your cover is personal and you can take it with you in any car you are driving or travelling in.

Does breakdown cover include running out of fuel?

Some breakdown cover companies simply won’t come out if you run out of fuel or charge, fill up with the wrong fuel, get a flat battery or lose your car keys. GEM Motoring Assist have limits in these scenarios but we know that these things happen, and we will help.

Are punctures and flat tyres included in breakdown cover?

Yes, a puncture or flat tyre can happen to anyone. We provide unlimited callouts so you can drive with peace of mind knowing you are covered for many eventualities, including flat tyres and punctures, flat batteries, misfuelling and running out of fuel or charge.

Do you provide breakdown recovery if I have a pet in the car?

The transportation of domestic animals will be at the discretion of the recovery operator. We will endeavour to help arrange alternative transport however you will need to pay for this service immediately by credit or debit card.

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 or if you want to pay less up-front for your cover.

When is the earliest I can be covered?

At GEM we don't offer instant breakdown cover, 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. Our fast response times are one of the reasons why we were named a Which? Recommended Provider for our breakdown cover in September 2024.

Bear in mind that 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.

Am I covered in the UK And overseas?

With GEM breakdown cover you have peace of mind in the UK. GEM members can access European breakdown cover at discounted rates through our provider.

Do you have any testimonials or awards?

GEM breakdown cover is award-winning and highly recommended by the experts…

Which? Recommended Provider for Breakdown Services 2024

Highly Commended in the Personal Finance Awards 2023

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.