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Personal breakdown cover is an insurance policy that provides roadside assistance cover for the policy holder in any car they are traveling in.

Roadside assistance and breakdown coverage are services that assist motorists, or bicyclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.

The main policy types to consider are third party, third party, fire and theft and comprehensive. Consider the pros and cons of each and choose the appropriate cover for your needs.

Mechanical breakdown insurance usually costs around $100 per year, with an average deductible of around $250. The cost can vary based on the vehicle you own and the insurance company you have your policy with, though.

Most standard breakdown insurance policies will offer roadside recovery and roadside rescue as an entry-level standard of service. Such cover will provide assistance to motorists who have broken down and are unable to continue their journey.