Standard breakdown cover is offered by most companies due to its convenience. You are allowed to choose the breakdown cover that suits you and pay an upfront annual fee. If you make any breakdown calls within the covered period, the services are offered free of charge. The drawback associated with this cover is that you are required to choose between vehicle-based and personal breakdown cover. The latter covers you as a passenger in any car you are travelling in while the former covers a selected vehicle only. Pay and Claim Breakdown Cover Pay and claim is among the cheapest breakdown covers in the market. Just like the standard breakdown cover, you are required to pay the annual fee upfront. However, it differs in that the breakdown company sub-contracts the recovery services and you are required to pay the sub-contracted company and then reclaim the money by sending the receipts to the breakdown company. This cover is designed for disciplined and organized people who always have funds on hand to cater for emergencies. Commercial Breakdown Cover Commercial vans, cars, trucks or HGVs are the life of some businesses that rely on mass transportation of materials and finished goods over vast distances. This cover is quite expensive because trucks and large commercial vehicles are offered specialized services due to their weight and size. However, some breakdown cover providers do not cover HGVs. Therefore, you should confirm that your service provider covers all your commercial vehicles before signing any agreement or contract. Multi-Car Breakdown Cover If you own several cars or are used to borrowing a friend's car, it would be advisable to look into a multi-car breakdown cover. This option covers you as a passenger in any vehicle which means you can take the roads with any car knowing that you can make a rescue call in the event the vehicle you are travelling with breaks down. Family Breakdown Cover Family breakdown cover is the most popular and user-friendly option. In this modern economy, almost every family member owns a car or drives the family car and a breakdown policy that covers all family members is crucial as it ensures that no one gets stuck because they do not have a personal breakdown cover.