How We Make Recommendations
Transparency matters. Here's exactly how CoverKit scores and recommends breakdown cover.
When you take our Cover Finder quiz, we analyse your answers to understand your specific situation. We don't just show you the cheapest option or the most popular provider - we calculate what cover level you actually need, and then match you with providers that fit.
What We Consider
Vehicle Profile
Your vehicle type (petrol, diesel, hybrid, EV, van) and age affect which features you need and which providers are best equipped to help.
Driving Pattern
How often you drive and what kind of trips you make helps determine whether you need features like national recovery or onward travel.
Home Start Needs
Your likelihood of breaking down at home - affected by vehicle age, parking situation, and driving frequency.
Recovery Requirements
Whether you need your car recovered anywhere in the UK, or if local garage recovery would suffice.
Budget Priority
We balance your preference for lowest price vs. best value vs. comprehensive cover when making recommendations.
Provider Scoring
Each provider in our database has scores across multiple categories. These aren't arbitrary - they're based on feature availability, pricing, customer feedback, and specialist capabilities.
Value Score
Overall value for money, balancing features against price
Family Score
Suitability for families - response times, onward travel, service quality
EV Score
Electric vehicle support - mobile charging, trained technicians, specialist recovery
Older Car Score
Suitability for vehicles 8+ years old - no age penalties, comprehensive cover
Budget Score
Best for those prioritising lowest price
Premium Score
Best for those wanting top-tier service and comprehensive features
We take data accuracy seriously. Here's our process:
- We research each provider's published policies, prices, and features
- We verify key information directly from provider websites
- We track customer reviews and industry ratings
- We update our data monthly, with more frequent updates for price changes
- All 'last verified' dates are shown on provider pages
CoverKit may earn a commission when you click through to a provider and purchase cover. This helps us keep the service free. However, our recommendations are based entirely on our scoring methodology - we don't promote providers based on commission rates. If a provider pays us more but scores lower for your needs, we'll still recommend the better-scoring option.
CoverKit is editorially independent. Providers cannot pay for better recommendations or higher scores. Our methodology is applied consistently across all providers. We believe this independence is what makes our recommendations trustworthy and useful.
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Our scoring methodology in action - personalised just for you
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