GEM Motoring Assist Breakdown Cover

GEM was created to decrease the number of road accidents and they moved towards offering breakdown cover and value roadside assistance in 1978. GEM now have 60,000 members so are one of the smaller recovery firms however they have been voted the Top Roadside Assistance company in 2008 by Auto Express magazine readers.

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Type of Cover

Cover for a named vehicle with anyone driving the vehicle covered.


Cover for a single person with every vehicle they are driving or a passenger in covered.


Cover for two people with every vehicle they are driving or a passenger in covered. Both people must live at the same address.


Cover for up to four people with every vehicle they are driving or a passenger in covered. Everyone must live at the same address.

Roadside Assistance
Provides cover if you breakdown at least a 1/4 mile from your home. Cover provider will repair your vehicle at the roadside or tow you to a local garage if the vehicle can't be fixed within a reasonable time frame.
Nationwide Recovery
Provides cover to tow your vehicle to anywhere in the UK if it cannot be fixed at the point of breakdown.
Home Start
Extends cover to also include breakdowns at your home.
Onward Journey
Provides a replacement vehicle, overnight accommodation or alternative transport costs to your final destination if your car has to go into a garage to be repaired.
European Cover
Extends your UK breakdown cover to other European countries.
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Recovery ReclaimPersonal


With RECLAIM, you pay for your repair or recovery yourself and reclaim the costs from GEM Motoring Assist afterwards.Special Deal - 2nd Driver can be added for free

Recovery ExtraPersonal


Special Deal - 2nd Driver can be added for free

Gem Motoring Assist Roadside Assistance Options

There are three levels of cover which start at £46 and they can cover vans, trailers, caravans and motorbikes. GEM are most known for being a pay and callout based service which offers cheap cover for those who pay for their repairs and recovery upfront.

Roadside - Assistance if you are more than 1 mile away from your home which also includes recovery to a local garage. Starts at £46.35

Recovery RECLAIM - Their Pay and Claim policy which offers an in depth coverage level include roadside assistance, home assistance, recovery to a location of your choice in the UK for you, your car and passengers and overnight accommodation or onward travel option. You will need to pay for any of this up front and then claim from the firm. Starts from £62.55

Recovery EXTRA - This is similar to Recovery RECLAIM but on a subscription basis. Starts from £81.90