Car insurance generally does not directly cover breakdowns unless you have specific coverage, such as roadside assistance, which is often an add-on to your policy. Roadside assistance provides services like towing, battery jump-starts, tire changes, fuel delivery, and lockout assistance. If your car breaks down due to an accident or a covered peril (like vandalism or a weather-related incident), your comprehensive or collision coverage may help pay for repairs or damage. However, routine mechanical breakdowns, such as engine failure due to age or wear, are typically not covered under standard car insurance policies. In such cases, it’s important to have a separate breakdown cover policy or subscribe to an auto club like Crossroads Helpline for ongoing support. Always review your policy to understand exactly what’s covered in the event of a breakdown, and consider additional coverage if needed.