For many drivers, breakdown cover is one of those expenses that is easy to overlook. You may pay for it year after year without ever needing to use it, but when your car breaks down on the side of the road, having someone to call can quickly feel like money well spent.

Often referred to as the ‘fourth emergency service’, providers such as the AA, RAC and other breakdown recovery companies offer different levels of cover, so deciding whether it is worthwhile can depend on your vehicle, how often you drive and the journeys you regularly take.

Consider the age of your vehicle

The age and condition of your car can be an important factor when deciding whether breakdown cover is right for you. Newer vehicles may be less likely to experience certain mechanical problems, particularly if they are regularly serviced and maintained, although no vehicle is completely immune to a breakdown.

Older cars, meanwhile, can be more susceptible to issues with components such as batteries, cooling systems and electrical systems. If you own a classic or older vehicle, having access to roadside assistance can provide additional reassurance, particularly when travelling further from home.

Think about how and where you drive

Your driving habits should also play a part in your decision. If you only use your car occasionally for short local journeys, you may feel that comprehensive breakdown cover is less important. However, regular motorway driving, long-distance trips or travelling to events could make having assistance a worthwhile decision.

It is also worth considering where you would be if something went wrong. Breaking down on a familiar local road may feel manageable, whereas being stranded in an unfamiliar place, particularly at night or in poor weather, can be considerably more stressful.

Look at the level of cover

Not all breakdown policies provide the same level of protection. Some may offer roadside assistance, while others include options such as national recovery, onward travel or assistance at home. Taking the time to understand what is included can help you choose cover that suits your circumstances, rather than simply opting for the cheapest policy. For classic car owners, it is particularly important to check whether your vehicle is covered and whether any age, mileage or specialist vehicle restrictions apply.

Don’t rely on breakdown cover alone

While breakdown cover can provide valuable peace of mind, regular maintenance remains essential. Keeping your vehicle serviced, checking fluid levels and looking after the battery and tyres can all help reduce the likelihood of problems occurring in the first place.

Ultimately, whether breakdown cover is worth the investment comes down to your vehicle, your circumstances and how much reassurance you value. For an older or cherished car that regularly travels long distances, having a reliable recovery service on hand could be a particularly worthwhile expense.