carol
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My breakdown cover is free with my Nationwide bank account. I had the chance to test it last year: there was a problem with the air suspension, which decided not to get up in the morning: they sent out a man to diagnose/fix it and he declared the problen to be a failed air pump - which you seemingly can't fix at the roadside.
So they recovered the motorhome to a garage near home, and sent us a free taxi to take us to the hire car depot, where they gave us a free car to drive home in (we were going home that day anyway).
Tuns out that the problem was just a broken linkage on the height sensor: cost less to repair than the diesel we saved by not having to drive home.
But the relevant part was that the breakdown sevice was brilliant (not their fault the mechanic was wrong) and they sorted everything, kept us informed, and it all went very smoothly.
I've got cover through the Nationwide too. Unfortunately I was put off using them again after calling them out to a breakdown. The guy arrived, got his hammer out and banged presumably the starter motor, declared the car irreparable and called a recovery truck. It didn't inspire confidence!