I guess with breakdown cover it is such an extremely rare event to ever need to use it, that frankly a small amount of convolution should you ever need it isnt that big of a deal (as long as the product ultimately covers you as nationwide does).
I must have covered over half a million miles over the last 14 years, and i can remember the only two times i had to call a breakdown service it is that unusual and infrequent. Thats driving some faily high mileage cars at times, too.