As we now know, most breakdown cover is provided by insurance companies, take RAC breakdown cover, this is owned by Aviva that own Norwich Union Insurance.

So if you buy a Norwich Union breakdown cover policy, who do you think comes to your rescue? You have got it, the RAC do. Equally they are not going to compete with each other on price either as effectivly they are the same company.

But there is another example of this and that is Green Flag breakdown cover.

Green Flag is owned by RBS limited that also owns Direct Line, Churchill, Privilege and other insurance companies. So of course when you buy breakdown cover from any of these suppliers, you are realy buying a Green Flag policy.

But today I was in my local Tesco and what did i see? You have got it Tesco breakdown cover provided by Green Flag.

So those comparison websites that state they have 100 breakdown cover policies to compare, just spend a bit of time looking at them to see how few service providers there really are in the UK and that many if not most are just the same policy rebranded.

Like all insurance polices make sure you buy what is rught for you, not the branding.

It seems that the TV is dominated my finance related services, such as debt mangament and of course these insurance, breakdown cover price comparison websites that promise much cheaper prices.

Ironically, we probably know the most competitive options anyway and if we went directly to their website would get the same deals.

So the message here is, don’t ket branding dictate your finacial decisions, you always should know as much as possible about the breakdown cover policy, insurance policy or whatever before commiting to part with your cash.

The adverts look good, but it is you who have to live with the policy for a year.