I have luckily not needed to use a breakdown cover with the van but have 4 times with my car. I have Britannia rescue and have always been very quick and helpful in France and Spain. They arranged for an English speaking European agent to ring me, I think they are Dutch. They then deal with a local garage where you are and so far it has worked.
The first time I got got to Calais when the water pump failed. Car was collected and I was put up in a hotel as they need to get a part. I have had 2 battery problems, one my own fault as left the cool box on overnight, we were met within 30mins and problem fixed quickly. I like the fact that they contact a local garage.
Thats the measure of insurance. It ONLY matters when you need it. I can remember travelling in S Spain and our Vito 108d ( a paltry 82bhp of real engine) lost its clutch about 15miles from where they were originally produced. Typical!!... cover at the time had us in a big people carrier in two hours and the van into the Merc repair shop for a week. We took full advantage of the new vehicle sleeping in it and travelling far and wide. The day we came to give it back and collect the van i copped a 700euro!
The guys at Aplan have our insurance on our VW van, a 2011 T5.1 and yesterday insured us for European and UK breakdown for a year for about £42. That will give us replacement vehicle, repatriation, hotels , and curbside help and assistance etc... Im already a AA Silver member but they wanted £100 for the two week trip.
In my experience the insurance is only as good as the kind, supportive help you need when you are up the creek without a paddle. Somewhere on here someone said wisely that a deep breath and the manner of your responses to actions outside your control is as much a help as an expensive policy.
A big shout out to the people on here who take the time and energy to provide useful information. We are SO looking forward to a few weeks away from the UK. Landes ere we come....