[TW]Fox;16777198 said:Yes, the aa for example explain they won't recover you after an accident in the policy documents.
The AA offer accident cover but you have to pay extra for it. The RAC do it for free on all policies:
http://www.rac.co.uk/insurance/accident-legal/accident-care/
"Been in an accident?
Get instant help - with every RAC Breakdown policy.
We'll arrange recovery of your vehicle."