Depends on the policy as they all differ in they will offer in breakdown assistance. Sometimes feel like your paying for something you'll never need...until you do...then it happened, after 8 years of having this I finally needed it...with an Alfa =)
Was coming home last week after being out for the day enjoying the drive as I had just bought the car, wasn't accelerating much as was coming down hill and BANG! thought i'd hot a pot hole or burst a tyre because the car started jumping up and down, tried turn the steering and car was all over the place felt like I'd lost all control, pulled over to the side of the road and put my hands on my head knowing this wasn't good. Got out and took a look under the car both tie rod ends had snapped off from the column.
BUT I remember I had breakdown assistance and thank god because I was in the middle of nowhere, very easy have to say called up,gave reg no waiting 30 minutes. Driver came, had a look, confirmed it was the tie rods, put the car on tow and brought me to a garage then gave me a lift home!No charge!
My advice, better safe than ****ed!