When you compare this to an average call out fee from a breakdown truck of at least double that for one call out and in some areas in the UK could be many times that, you wonder why it isn’t an automatic purchase. The truth is many of us don’t see the need until we actually breakdown, suffered the costs, the inconvenience and possible the safety risk of being stranded somewhere.
If you have ever been burgled it is probably very unlikely you would not risk not having home contents insurance ever again, the same rules apply to breakdown cover. Another argument is that modern cars are more reliable these days. That is true but when you consider that most call outs are due to flat tyres and flat batteries, which are pretty much the same on every car, that argument becomes weaker.
Also modern cars are harder to work on with electronics replacing mechanical parts, needing specialist equipment. This year I do not expect to have an accident with my modern car but I would not risk driving without motor insurance, I also do not expect to breakdown either, but I will be covered just in case. My final comment is safety. If you are going to breakdown, it could be at anyplace at anytime of day or night. Being stranded on a lonely road by yourself at night is not the most enjoyable experience, knowing you will be attended within the hour can be worth more than money.