MyMoneyComparison Breakdown Insurance Review

Affiliate disclosure: we may earn a commission if you take out a product through links on this page. It costs you nothing extra and does not influence how providers are listed.

MyMoneyComparison.com Ltd has been quoting insurance from Jubilee House on Church Street in Morley, at the southern edge of Leeds, since it was incorporated on 27 March 2013. It is a small, owner-run business — Companies House holds micro-entity accounts for it, most recently made up to 31 March 2025 — and it does one job: it takes a single set of answers about your vehicle and puts them in front of a panel it describes as 50-plus specialist UK brokers. On breakdown cover the headline is “You could pay from £15.49”, and the form itself costs nothing.

The part that makes it worth a shot is not really the Leeds end. The quote journey runs on the platform built by Seopa Ltd of Belfast, the firm that has been on the FCA register since 2003 and has run Quotezone since 2005. Seopa now puts through more than nine million quotes a year for over four million UK customers, across 60-plus products and a panel of more than 300 providers. MyMoneyComparison names Seopa on its own compliance page as the separate data controller for insurance quote data, and the small print under its breakdown price credits Seopa for the figure. On this product the platform reaches up to ten breakdown providers.

What the questionnaire gathers is the five things any breakdown policy is assembled from — roadside assistance, recovery, home start, onward travel, and European or worldwide cover — with prices you can take monthly or annually. Nobody asks you for a card to see them. The providers pay for the introduction, which is how every comparison service of this shape earns its keep.

One questionnaire, ten breakdown panels

Breakdown cover is sold in layers, and the questionnaire behind this site is built around them. Roadside assistance brings a patrol to you, usually with a minimum distance from your own front door before it applies. Vehicle recovery pays to move the car when it cannot be fixed at the kerb. Home start removes that distance rule. Onward travel buys you a hire car, a hotel or train fares while the vehicle is in a garage. European or worldwide cover extends the lot beyond the Channel. The platform also quotes the common bolt-ons — tyre replacement, key replacement, misfuelling and battery replacement — and returns both monthly and annual prices.

The number that matters here is ten. That is the maximum number of breakdown providers the underlying platform will put in front of you, and it is a much narrower field than the 130-plus the same engine advertises for car insurance. Breakdown is a small market with a handful of very large names and a long tail of white-label schemes, so ten is a reasonable spread — but it is not the whole market, and no version of this form claims that it is.

The distance rule is the trap on cheap policies, and Greg Wilson, who founded the platform, says so on the Quotezone version of the same product: “The cheapest breakdown policies only cover you a set distance from your home, typically a quarter of a mile or more, which means a breakdown on your own driveway isn't covered.” If you are shopping on price alone, that quarter of a mile is the first thing to check on whichever quote comes back cheapest.

The Belfast platform behind a Leeds brand

Seopa Ltd is registered in Northern Ireland as company NI46322, at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast BT2 7GS, and carries FCA reference 313860 as a non-investment insurance intermediary with permission for credit brokerage. It was started by an engineer, Greg Wilson, in 2003; Quotezone followed in 2005 and CompareNI.com serves the Northern Irish market. Alongside Belfast there is an engineering office in Timișoara, Romania, and the firm was named in Deloitte's Best Managed Companies programme for three consecutive years, 2018 to 2021.

Selling that platform to other websites is a deliberate line of business rather than an accident. Seopa's own pitch to partners is blunt about the split: “Your brand leads the experience, carrying your logo, your colours and your wording, in a journey styled as your own. The Seopa platform runs behind it.” Partners choose from 60-plus products across seven categories — vehicle, business motoring, property, leisure, lifestyle, business and financial — and earn commission on what is bought through their site. Seopa's material says partners typically join as Introducer Appointed Representatives under its authorisation, though it also says the division of responsibility is settled in each contract. MyMoneyComparison holds its own FCA reference and publishes no detail of its arrangement, so the exact shape of the tie is something only the two firms can confirm.

Two things follow for anyone using the breakdown form. Your answers are handled by a business with two decades of quote traffic behind it, which is a good deal more reassuring than a form of unknown parentage. And the second data controller in the chain is named for you on the site's own compliance page — Seopa's ICO registration is Z8733752, sitting alongside MyMoneyComparison's own ZA460665. Very few small comparison brands bother to spell that out.

Who you end up contracting with

The footer on every page reads: “MyMoneyComparison.com Ltd, which does not provide financial advice and does not sell insurance policies. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation and credit broking activity under FCA registration number 916241.” That number is the firm's own disclosure and can be checked against the FCA Register before you hand over anything.

The credit broking half is not decoration. Paying £15 a month for breakdown cover rather than a lump sum is a credit agreement, and a firm that introduces you to one needs permission to do it. It is the correct shape of authorisation for the job, and worth knowing about because monthly breakdown cover is usually more expensive over a year than paying once.

The terms of use, last updated in April 2026, say two useful things plainly. On money: “The use of our website is free. However, if you purchase a product or service from a third-party provider, MyMoneyComparison may receive a small commission.” On the contract: once you accept a quotation, “Their terms are not the same as ours, and they are the terms you agree to when you accept a quotation.” Whatever you buy is a contract with the provider. The Leeds company made an introduction and was paid for it; it is not a party to your cover, it does not handle your claim, and it cannot make the recovery truck arrive faster. The company's SIC code, 66220, describes it as an insurance agent and broker, and its micro-entity accounts mean no turnover figure is published — the site's own claim of 28,144 quotes requested in 2025 is the only measure of scale it offers.

An older car park is what keeps this market growing

The strongest argument for buying breakdown cover at all has nothing to do with any comparison site. The Society of Motor Manufacturers and Traders published its vehicles-in-use count on 24 April 2026: the British fleet reached a record 42,549,649 vehicles in 2025, up 1.4%, of which 36,676,185 are cars, 5,175,598 are vans and 626,566 are heavy goods vehicles.

The age figures inside that release are the ones worth carrying to a quote form. The average car on a British road is now 9.7 years old, up from 9.5 the year before, and a record 45.7% of all cars have been in service for more than a decade. Nearly half the national fleet is past the point where a manufacturer warranty or a dealer assistance package is still running. That, rather than any advertised saving, is what a breakdown policy is for.

Official counts of breakdowns themselves are thinner than you would expect. The most recent national figure that could be found is from a Highways England release of 24 June 2019, which recorded more than 48,500 breakdowns on its network over the summer holiday period of 2018, around 5,000 a week at the peak, with roughly a quarter caused by punctures or tyre problems. That is seven years old and covers only the strategic road network, so treat it as scale rather than as anything current — no newer equivalent appears to be published.

Where the £15.49 on the page came from

This is the part of the site that needs fixing, and it is easy to see because both halves are published. The MyMoneyComparison breakdown page reads: “You could pay from £15.49 per month*”, and its own footnote explains the source: “*Based on quote data provided by Seopa Ltd during September 2023. This quote was provided to the majority of customers.”

The same platform's own site carries the same number in different clothes: “You could pay from £15.49 per year*”, footnoted “*Based on quote data provided by Seopa Ltd during April 2026.” One figure, one source, two units, and two and a half years between the datestamps. Read as monthly, £15.49 is £185.88 a year, which is the price of a premium motoring club membership rather than the cheapest policy on a ten-provider panel. Read as annual, it is the entry-level roadside product the platform actually returns. Neither page is hiding anything — both cite their source and their date — but a shopper landing on the Leeds version will form the wrong idea of what breakdown cover costs, and the figure they are being shown was gathered in the autumn of 2023.

The same drift shows up on the other products the site advertises. Its car panel is given as “110+ providers” with a saving of “up to £518.14”, where the platform behind it currently publishes 130+ providers and “51% of consumers could save £535.17” on May 2026 data. The van figure of £685.51 matches exactly — but the platform's own footnote dates it to May 2025 and frames it as something half of customers could achieve rather than a maximum. That distinction matters: the Chartered Trading Standards Institute's pricing guidance, which the advertising regulator applies, expects a significant proportion of buyers to reach the advertised saving, and the regulator's published view is that less than 10% is unlikely to count as significant. No proportion is published alongside the “up to” figures here.

What you cannot find out before filling in the form

Not one breakdown provider is named. The page describes the cover types and the add-ons, and never says whose policies come back — not a single insurer, motoring club or scheme. For a product where the name on the van is most of what people are buying, that is a real gap, and it cannot be closed without handing over your registration and your details first.

There are also two breakdown landing pages rather than one. /breakdown-insurance/ and /breakdown-insurance-comparison carry the same five cover types, the same £15.49 headline and the same September 2023 footnote, with different headings above them. Duplicate pages of that kind tend to be a search-engine tactic rather than anything a reader benefits from, and they double the number of places a stale figure has to be corrected.

There is no independent rating to fall back on either. Defaqto rates insurance products, not comparison services, so its absence here is a fact about the ratings market rather than about this firm — but there is also no entry on Smart Money People, which does cover comparison brands. The site displays a 4.8 out of 5 Google Reviews score without publishing how many reviews sit behind it. A score with no sample size attached is not much use for deciding anything.

The number missing from the contact page

There is no telephone number anywhere on the site. Contact is by web form or by one of three departmental email addresses, the stated office hours are Monday to Friday, 9am to 5:30pm, and the firm aims to reply “to all enquiries within 24 hours”. For a service that only makes introductions that is defensible. For a motorist stuck on a hard shoulder it is worth knowing in advance, because the number you will need is the provider's, not this one's.

No complaints procedure and no reference to the Financial Ombudsman Service could be found anywhere on the site — not in the terms, not on the contact page, not in the compliance section. Any FCA-authorised firm has to have a complaints process and to tell eligible customers about their Ombudsman rights, so this is almost certainly a publishing omission rather than a missing process, but it is the sort of thing a shopper is entitled to read before they start. In practice complaints split in two: anything about the policy, the price or a callout goes to the provider whose name is on the certificate, and only a complaint about the introduction itself belongs with the comparison service. Either way the Ombudsman takes over eight weeks after a complaint is made, or sooner if a final response arrives.

The Ombudsman's 2025/26 annual data, published 21 May 2026, is a useful piece of background: roadside assistance produced 950 new complaints at a 44% uphold rate, well above the 30% average across every product it handles. The volume is far too small to say anything about any individual firm on a ten-provider panel, and breakdown cover does not appear in the FCA's general insurance value measures at all, so no published claims-acceptance rate exists for this product from anybody. What the uphold gap suggests is that assistance disputes are usually about whether the sales promise matched the callout — which is an argument for reading the policy summary on whichever quote you pick, rather than an argument against the panel.

Figures were taken from each provider's own published terms on 2 September 2026. Variable rates can change at any time — confirm the current rate with the provider before applying.