But when you are buying cover like that you might be best to stop and think. If you get up in the morning and the car won’t start, that would be a great time to have a home start cover package.

And if you break down in Scotland and the car is a write off, do you get a hotel and your fare home?

The key with this type of cover is the same as any insurance, check the cover they offer you and ask yourself how much are you prepared to spend?

Watch out for the free deals too. There aren’t many services in this life that are truly free, and garage mechanics don’t usually even get a mention, so someone somewhere is paying and the only way to make sure it isn’t you is to compare prices with a quote that doesn’t have free breakdown cover (and a few more, preferably).