We don't realise how much we depend on our trusty motors until the unthinkable happens. It breaks down at home causing you to miss that all important meeting, or you find yourself stranded, alone and vulnerable, in the middle or nowhere or on some hard shoulder or another. Either way, help is available from a whole host of breakdown insurance companies, at very reasonable prices with a good range of policies.

Choosing the best policy for your needs is important, and there are several aspects you will need to take into consideration.

Firstly, decide whether you want to cover the vehicle or the person. Covering the vehicle means anyone driving it will be covered, regardless of whether they are the policyholder or not.

Covering the person means you're insured as the driver or passenger of any vehicle, and although it is typically more expensive than vehicle cover, it is handy if you drive several vehicles.