In reply to BigBrother:
Britannia - they've been good for us when we've had some breakdowns. I did phone them when we were at my parents', 100 miles from home, and child 2 managed to lock the car keys in the car. They were apologetic but that wasn't covered because it wasn't a breakdown, so fair enough I guess.
A few years ago now my parents had cover with them and were going to Southern Sweden to meet my family (we lived in Finland at the time). My mum and dad needed them in Belgium and Germany just on the way! Each time had great service from local contractors, including a local Landrover dealer in Flemsburg who couldn't fix my dad's discovery on a Sunday so said they should put their caravan in their secure yard and camp there and left the showroom door open so my folks could use a "proper toilet" and make coffee! After a week or so in Sweden, my wife went back to Finland as she had work, and I went with my two kids with my parents in their car back to England for a week there before flying home - or at least that was the plan. In Northern Germany the car broke down again and this time wasn't particularly fixable - Britannia sorted out: recovery of the car and caravan, a night in a nice hotel in Bremmen (suite for me and my kids, room for my parents) including a meal. Because my parents had their stupid dog with them, we couldn't be flown to the UK, so the next day they arranged taxi to Bremmen airport, pick up a one way hire care to Calais, a night in a hotel in Calais, ferry to Dover, a hire car from Dover back to the Worcestershire which my Dad was told to hang onto until his car and caravan was transported back to his local garage from Bremmen! I think my dad paid 100 quid for a year "Euro cover" - we reckon it must of cost going towards 10 grand to sort us out! So you can definitely get your money's worth.