Up until September last year I had a 04 plate Astra G and overall it was pretty reliable. it was old but well maintained by myself and only had 75k on the clock. it did seem to suffer from coil packs failing and I replaced this three times in the 9 years I had the car. At least it was driveable as it just went into limp home mode. I did have one serious breakdown though and with no breakdown cover had to fork out for recovery. We were in Elgin which is 17 miles away and I lost drive altogether. I managed to free wheel into Lidl's car park and had a look underneath to find a failed drive shaft. After phoning around trying to find someone who could recover us back home so I could fix the car we got lucky and found a recovery company who charged us £120 which wasn't too bad. I got a replacement drive shaft ordered which turned up two days later. That cost me £83 and a hour of my time to remove the old and fit the new. I would have paid more in breakdown premiums over the years than the £120 it cost me to get recovered but being able to call the breakdown company and get sorted would have been a hell of a lot less hassle.
I don't disagree with what you're saying in principle, but out of interest what would you do if one of your cars crapped itself 50 miles from home at 10pm on a dark winter's evening? At least with breakdown cover, which is quite a trivial yearly cost in most cases, you can get a lift home with your car and worry about it in the morning.
My car's 18 years old, so last year I thought it may be prudent to take out breakdown cover (for the first time).
Pleased I did, as the clutch went last month. Not sure how much it would have cost to call out a recovery vehicle, but no doubt it would have been more than Green Flag has cost me for the year.
But not more than paying for breakdown cover for the 11 years before that? (let's assume best case scenario and it's a Kia with 7 year warranty).
Isn’t it the case that the instant cover is only for the basic service? E.g. 10 miles tow to a nearby garage and no home service or onward travel?
Most modern cars done even have spare tyres these days.