Hi Hugh, depends on who you are insured with, like with Safeguard breakdown is in the whole cost and up to last year I had been with them for 17yrs.
This year I have the motorhomefacts ins. but my breakdown is with the RAC covering Barbs car for both of us and the motorhome for me and my son, full european recovery and green card for mainland Europe including Morocco (no breakdown in Morocco) unlimited car hire and hotel accommodation plus repatriation but it's £217