Standard breakdown cover gets you home. But van lifers need more than that. The right add-ons can save you hundreds when things go wrong on a campsite in Cornwall or a layby in the Highlands.
The Core Problem
Most breakdown policies assume you drive to work and back. Van lifers live in their vehicles. A breakdown isn't just an inconvenience — it's your home breaking down. That changes what you need.
Add-Ons That Matter
European Cover
If you plan to take the van to France, Spain, or anywhere in Europe, this is essential. Basic European cover starts at £30-50/year on top of your UK policy. It covers you for breakdowns abroad, including repatriation if the van can't be fixed. Worth it if: You travel to Europe even once a year. Skip it if: You stay in the UK exclusively.
Onward Travel
This pays for a replacement vehicle or train tickets if your van can't be fixed quickly. Typically covers up to £500 in travel costs. Worth it if: You rely on the van for work or have tight deadlines. Skip it if: You're flexible with time and can wait for repairs.
Home Start
Covers breakdowns at your home address. Seems pointless — until your van won't start on the driveway and you need to get to a campsite. Worth it if: You store the van at home and don't drive it daily. Skip it if: You drive the van most days.
Overnight Accommodation
Pays for a hotel or campsite if your van breaks down far from home and can't be fixed same-day. Typically £50-100 per night for up to 3 nights. Worth it if: You travel far from home regularly. Skip it if: You mostly stay local or have friends/family nearby.
Add-Ons That Are Usually a Waste
Key Replacement
Covers lost or stolen keys. But most van keys cost £50-150 to replace. The add-on costs £20-30/year and has a £50 excess. Not worth it.
Battery Replacement
Some policies offer battery replacement as an add-on. But batteries are £60-100 and last 3-5 years. The add-on costs nearly as much as just buying a new battery.
Tyre Replacement
Covers punctures and blowouts. But tyres are £80-150 each and you can usually drive on a spare. The add-on rarely pays for itself.
What to Look For
- Call-out limits: Some policies limit the number of call-outs per year. Aim for unlimited.
- Coverage area: Check if your van type is covered (some policies exclude long-wheelbase or modified vehicles).
- Response time: Most guarantee 60-90 minutes. Check the small print.
- Repatriation: If the van can't be fixed abroad, will they bring it home? This is the most important feature of European cover.
Typical Costs
| Add-On | Annual Cost | Worth It? |
|---|---|---|
| European cover | £30-50 | Yes for Europe travellers |
| Onward travel | £20-40 | Yes for time-sensitive users |
| Home start | £15-25 | Sometimes |
| Overnight accommodation | £20-30 | Yes for long-distance travellers |
| Key replacement | £20-30 | No |
| Battery replacement | £15-25 | No |
| Tyre replacement | £20-30 | No |
Conclusion
European cover and onward travel are the add-ons that matter most for van lifers. Skip the key and battery replacements — they're cheap enough to pay for out of pocket. Spend your money on the cover that actually protects your lifestyle.
