Funny you should mention the breakdown insurance…
Three years ago I my friend was on holiday with the family in Cornwall when on the first day my 4 year old lad jumped into my lap. As I was reading a paper at the time I didn’t see him coming or have time to brace for impact. As a result he landed knees first where you wouldn’t want it. The day after I was still in some discomfort but was able to carry on, until that is I got to a petrol station in Bodmin to fill up the car and promptly passed out, hitting my head on the boot as I went down. Managed to get the car to the local minor injuries unit and dropped again before I could get to the door.
Car stuck in Bodmin. Holiday house in Looe. Me in an ambulance on the way to Truro with an internal bleed. Wife and kids stranded.
I called the RAC about moving the car but it turns out that I wasn’t covered as I was broken, not the car.
It cost me £95 in taxis and a stay in Truro hospital.
Had to pick the car up the day after where it was still abandoned diagonally across 4 parking bays near the hospital doors.
T’riffic.