For breakdown cover, just join the AA. It's dirt cheap (something like $75 a year for basic or $115 for comprehensive cover) and it's pretty much the only nationwide service - even if it is all done via contractors! AMI are good insurers too, they were pretty much the cheapest but had the lowest excess by far.
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Taffy
The greatest mistake you can make in life is to be continually fearing you will make one.
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