I just checked my cover with Admiral platinum & recovery is included viz:-
European assistance
If you have broken down on a European motorway or public road, we are sometimes unable
to assist you and you may need to obtain assistance via the SOS phones.
The local services will tow you to a place of safety and you will be required to pay for the
service immediately. You can then contact us for further assistance. We will pay a maximum
of £200 towards reimbursement of the costs, but we will only reimburse you when we
receive a valid invoice/receipt. Payment will be made in accordance with the exchange rate
on the date of the breakdown.
If, in the opinion of the patrol, they are unable to repair the vehicle at the roadside we will
assist in the following way:
y arrange and pay for you, the vehicle and your passengers to be recovered to the
nearest garage which is able to undertake the repair
y if the vehicle cannot be repaired within 48 hours or by your intended departure date,
whichever is the latter, we will arrange for you, the vehicle and your passengers to
be transported either to your home address or if you prefer and it is closer; your
original destination