When I was looking it worked out best to upgrade my bank account as it includes comprehensive travel insurance, phone insurance and breakdown cover (including home start and relay) for £20 a month. I put it on my wife and I's joint account therefore we both get cover for the same monthly fee which works out at very good value. There is also not the standard price hike at renewal so need to waste time changing breakdown providers each year.
The breakdown cover is provided by the AA and they were very good the one time needed to use them.