I'm in my second year with 'Rescue My Car'. They were the cheapest on a comparison site. It works out £50 a year for nationwide repair or recovery. If you do use them, you pay a forty quid excess each time.
I used them once and they were very quick to arrange a truck when my fanbelt went. Funny thing was, I had driven into a garden centre's carpark and instead of trying to park in a bay, I went for the overflow area; a large expanse of grass. The truck turned up and loaded my car onto its bed then it couldn't leave as it was too heavy and its wheels just spun.
He offloaded my car again but the truck couldn't get out of the ruts it had made so he had to phone his own company for another truck to resuce him!
It was a nice sunny, Sunday afternoon so the wife and I were not bothered, found it all quite amusing, but didn't feel cruel enough to film it all and post on Youtube/Bluemoon etc.