Is it cheaper to get breakdown cover for car or person?

Is it cheaper to get breakdown cover for car or person in Australia depends on how many cars and drivers you have in your household. There are two types of cover. Vehicle-based cover, which is the most common in Australia, covers a specific car regardless of who is driving it. So if you insure your Toyota Corolla with NRMA or RACV roadside, any licensed driver driving that Corolla is covered. This is cheaper if you have one car shared by multiple drivers, for example a family of 4 sharing 1 car, because you only need one vehicle policy at $95 to $135 per year basic. Personal cover, also called driver-based or personal membership, covers you as a person in any car you are driving or are a passenger in, even if it is a friend's car, rental car or hire car. Personal cover is more expensive, typically $180 to $320 per year for premium cover from NRMA Premium or RACV Complete Care, but it can be cheaper if you have multiple cars. For example, if you personally own 3 cars, vehicle-based cover for 3 cars at $115 each would be $345 per year, while one personal cover at $260 per year that covers you in any of those cars plus any other car is cheaper. Personal cover is also better for people who frequently drive different cars, such as using car sharing, rental cars or company cars. Most insurer add-on roadside assistance like Budget Direct or Allianz is vehicle-based and cheaper at $70 to $110 per year. If you have one car and one driver, vehicle cover is cheaper. If you have multiple cars or drive multiple vehicles, personal cover is cheaper and more flexible.