Mike breakdown may be included in your insurance but you are paying for it one way or another. Nowts for free.

Morgan recovery is only a minimal basic coverage. With a 3W you have better to choose a very good recovery insurance and be ready to pay for it. It's a good investment for you but certainly not for your insurer.

From the beginning, i have had three breakdowns. The first to bring it back to the factory (compensator repair), so they paid for the train 1st class to London and Eurostar first class to Belgium and the way back to collect it. The second time, they paid for one night of hotel + the cost of a new ferry ticket to Belgium. I had to wait for the supply of new shock absorbers to replace defective ones. The third time a tow truck for 80km to bring me back home (big short circuit).

As far as I know standard insurance cover. I was arranging normal recovery but was advised by the police at the scene of the accident to call my insurance company and let them pick the car up.

That's good information.