I have not used breakdown insurance for years but I always have it as recovery is mega expensive. This year I have gone back to Start Rescue, last two years the RAC gave me good rates but they were silly money this year. I opted for personal cover as my car is over 20 years old. Also most companies require dealer service records or they can refuse service, Start Rescue just require the vehicle to be roadworthy and are fine with people like me who home service.
Who else has breakdown insurance and who do you use?