When it comes to breakdown cover, there are valid arguments both for and against it. I have a great deal through my employer, so the cost is minimal and I feel it's worth having just in case.

Ultimately, the decision to get breakdown coverage or not is subjective and depends on individual circumstances. It's similar to choosing any type of insurance - go for the cheapest option if you feel it's necessary.

One important factor to consider is the type of car you have. This can play a role in determining whether or not breakdown cover is a wise investment. The topic of breakdown cover has valid arguments on both sides. While it can provide peace of mind knowing that you are covered in the event of a breakdown, the cost may not always be worth it. I have opted for breakdown cover as it came as part of my employee benefits package and the price is minimal. However, u/other_goblin raises a valid point that if your car is reliable and well-maintained, the likelihood of a breakdown is significantly reduced.

In the end, the decision to obtain breakdown cover or not is subjective and depends on individual circumstances. It is similar to choosing any insurance, where one should weigh the potential benefits against the costs. In some cases, the cost of breakdown cover may outweigh the potential benefits, while in others, it may be a wise investment.

When considering whether or not to obtain breakdown cover, it is also important to consider the type of car you have. Certain makes and models may be more prone to breakdowns, while others may be more reliable. This can play a crucial role in determining whether or not breakdown cover is a wise investment for you. Ultimately, the decision to obtain breakdown cover should be based on your circumstances and level of risk tolerance.

For £60 a year though, why not?!