Usually have cover with my insurance my company changed to a new name recently same policy same cost they said no changes got into an accident bust my rad cracked exhaust 100 miles from home called ins company "thanks for your call nothing else we can do you do not have cover" the car was on the shoulder water piss in out police came nice guy said if you can't get it moved it's 200 just to get it off at the next slip faced with no cover no cash no way of getting home I drove it 60 miles until ir was sounding like ceize up was iminent and pulled it off the m6 at stoke 4 hr wait for my mate car abandoned and picked up later to be scrapped first thing I did when I got back? Joined the aa £100 odd national relay any car bargain