I'm with
Auto Aid. I've never had to claim using them so I cannot personally comment but they have hundred and hundreds of great reviews knocking about.
It is a pay and claim scheme which means you find your own breakdown company and pay up front and claim the expenses back from Auto Aid. If you do not know of any suitable breakdown companies you can phone Auto Aid who will find one for you, on your behalf. So long as you deal with the pain of paying in advance (Though you are paid within 14 days IIRC therefore pay on a credit card and you'll never notice the difference) and feel comfortable with the limited paperwork you have to supply (A claim form is on their website if you fancy having a look first) then it seems ideal.
Many of the previously mentioned reviews confirm that claiming is simple (I was originally concerned that Auto Aid would try and worm out of payment on occasion but this does not seem to be the case at all!).
And your reward for this extra effort? A policy with all of the bells and whistles for £37.00 - And your legal spouse is covered in this too. Includes the likes of caravan cover which many charge for additionally.
It's a policy for you rather than the vehicle so also useful if you use various cars.
Worth checking out in my opinion
.