Updated September 28, 2026 · AssureCue Editorial Team
INSHUR vs National Breakdown
INSHUR
Higher score in this comparison
National Breakdown
Where INSHUR and National Breakdown differ
| Compare | INSHURReviewSee alternativesSee alternatives | National BreakdownReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Van | Auto, Motorcycle, Van, BreakdownCovers more |
| Provider type | Broker | Insurer |
| Monthly payments | YesHas it | No |
| Claims channels | Online, Phone | Phone, Online assistance request form, Email |
| Premium from | Not confirmed | £10 |
| Excess from | £0 | Not confirmed |
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Key differences
- Founded is lower at National Breakdown: 1999 vs 2016.
- INSHUR is available in 2 more countries.
- Monthly payments: only INSHUR.
- Insurance types: only National Breakdown offers Motorcycle, Breakdown.
- Claims channels: only INSHUR offers Online.
- Claims channels: only National Breakdown offers Online assistance request form, Email.
- Support channels: only INSHUR offers Chat, Help centre.
Our verdict on each
INSHUR
INSHUR is a narrow broker for a specific market: monthly motor cover for tradespeople who use a van for work. It is authorised by the Financial Conduct Authority, reference 916800, and has traded since 2016 from GB, so a careful buyer starts with a register lookup rather than a price table.
National Breakdown
National Breakdown suits drivers in the UK who want breakdown assistance from an insurer rather than a broker, with premiums starting at £10 and monthly payments unavailable. It ranks 149 of 252 brands on premium, so the entry price sits higher than most rivals, and the cost score is 3.9.
Score breakdown
| Area | INSHUR | National Breakdown |
|---|---|---|
| Cost | 9.4HigherCost reading: the excess starts at £0 and payments are monthly, monthly, so the real comparison is the annual total, not the quoted premium. | 8.4 |
| Offer | 9.0Higher | 8.9 |
| Trust | 8.5 | 9.3Higher |
Where they rank in our lists
| Ranking | INSHUR | National Breakdown |
|---|---|---|
| Car insurance | 212 of 375 | 219 of 375 |
| Van insurance | 25 of 38 | 26 of 38 |
Where these facts come from
INSHUR
- inshur.com: 10 facts, checked September 26, 2026
National Breakdown
- nationalbreakdown.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | INSHUR | National Breakdown |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Inshur UK Limited | International Breakdown Ltd T/A National Breakdown |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2016 | 1999Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email |
Business insurance
| Fact | INSHUR | National Breakdown |
|---|---|---|
| Cover types | Public liability | Not confirmed |
| Industries | tradespeople using van for work | Not confirmed |
Where each stands against the rest
| Fact | INSHUR | National Breakdown | Median |
|---|---|---|---|
| Premium from | Not confirmed | £10above the median | £8.98 |
| Excess from | £0below the median | Not confirmed | £25 |
Median across 56 listed insurance providers.
Pros and cons
INSHUR
Pros
- The excess starts at £0, so a small claim is less likely to be swallowed by the part a policyholder pays.
- Monthly payments are available, and monthly is the payment model, which suits income that arrives job by job.
- Cover runs to auto and van, so a tradesperson insuring a work van and a car can keep both under one arrangement.
Cons
- The only business line listed is public liability, so a trade that also needs professional indemnity or employer's liability has to look further.
- Cover is limited to auto and van, a narrower set than the auto, home and renters at Good Sam Insurance Agency.
- Buying through a broker, broker, puts a step between the policyholder and the insurer, so the policy wording rather than the brand decides a claim.
National Breakdown
Pros
- Cover starts at £10 with no contract length stated, and pay as you go pricing suits occasional drivers
- It is an insurer rather than a broker, so auto, motorcycle and van run through one legal entity
- Assistance requests run on phone, online assistance request form and email, so a call, a form or email all work
Cons
- Support runs on phone and email only, with no chat or help centre listed
- Entry price of £10 sits well above the site median of €8.37
Who each suits
INSHUR
Who it suits
- Tradespeople who drive a van for work, the market tradespeople using van for work names.
- Drivers who want the premium spread monthly rather than settled in a single payment, since monthly payments are available.
- Small trades whose business cover needs stop at public liability and go no further.
Who should look elsewhere
- Home, renters or landlord policyholders, since INSHUR covers auto and van while Hiscox UK lists home, renters and landlord.
- Anyone wanting gadget, travel or pet cover alongside the motor policy, where Euroasia Insurance lists auto, home and travel.
- Buyers who want personal and motor lines in one place, since Good Sam Insurance Agency lists auto, home and renters against INSHUR's auto and van.
National Breakdown
Who it suits
- Drivers on a pay as you go membership who break down rarely and only want help when it happens
- Motorcycle and van riders looking for a single insurer across auto, motorcycle and van
- UK buyers who want cover from an insurer rather than a broker
Who should look elsewhere
- Anyone who wants to spread the cost, since monthly payments are not available
- Drivers wanting a live chat or a self service help centre, as support runs on phone and email
- Motorhome travellers, since home and travel are not among auto, motorcycle and van
Current offers
National Breakdown
Current offer
Discount code
PAYG Membership gives 10% off regular non-member prices: 10% off non-member prices
Requires PAYG Membership, from £10 per vehicle per year; discount applies to regular non-member assistance prices
Source, checked September 26, 2026
Country by country
| Country | INSHUR | National Breakdown |
|---|---|---|
| Netherlands | Yes | No |
| United States | Yes | No |
| United Kingdom | Yes | Yes |
Questions about each
INSHUR
What is the excess on an INSHUR policy?+
The excess starts at £0. The excess is the part of any claim the customer pays, and broker policies often load it high. A starting point that low means a minor claim does not send you straight to the bank. Check the quote carefully, since the level can still rise with the vehicle, the driver and the cover you pick.
Can I pay for INSHUR cover monthly?+
Yes. Monthly payments are available, and monthly is the payment model on offer, so the premium is spread across the months of cover rather than settled in a single payment. For a tradesperson whose income arrives job by job, that can matter more than the annual figure. The catch is that a monthly price is a standing commitment that keeps running until the policy is cancelled.
National Breakdown
How much does National Breakdown cost?+
Premiums start at £10 for the pay as you go membership. That entry price is above the site median of €8.37 and the upper quartile of €29.72, so expect the final figure for your vehicle to be higher than the starting rate.
Can I pay monthly?+
Monthly payments are listed as no, so the membership is paid rather than spread across the year. That suits drivers who would rather pay only in the months they use, but it rules the product out for anyone budgeting the premium monthly.
Other options to compare
Related by the facts
INSHUR
National Breakdown