I have had Britannia Rescue Personal cover for years. Covers self and wife whatever vehicle we are in (driver or passenger). Covers bike as well. Over more than 40 years have been brought home to Suffolk many times.
Carlton Estate and caravan from Sussex, electronic ignition failure.
Passat estate (twice), water pump and fan belt.
Another Passat estate, wife driving, fan belt again.
MkIV Cortina, blown engine
Skoda Yeti, battery.
R1100RT unrepairable puncture just outside Abergavenny. Garage couldn't find another tyre so they brought us home.
Like most of these companies they sub contract to local garages to recover/sort you out. I have never had a problem.
Was with friends in Holland many years ago. On the last night of the holiday their brand new Honda Blackbird was stolen from the hotel car park. Hire cars were sorted, Heerlen to Ostend and Dover to their home. Britannia Continental.
We were with Britannia Continental travel insurance in July 2002 when the wife slipped and broke her ankle nearly 2,000 metres up a French Alp. She was winched up off the mountain (got a photo somewhere of her hanging in mid air) and taken to Bourg St Maurice hospital. Once I phoned it through to the call centre they took over. Ankle operation, four nights in hospital, taxi to Geneva airport, three seats on a scheduled BA flight to Heathrow and a taxi home to Suffolk. Our kids took over till I came back on the bike a couple of days later. When I got the bill for the helicopter (1800 euros) I just sent it to them and never heard any more.
As you can gather I am more than just a satisfied customer.
tom