Ooof, imagine discovering you’ve missed out on £400 just because you’ve not left £100 in a 6.5% interest account which can be opened in seconds…
Yeah, not having home start / rescue / whatever they call it is a big limitation.
Price comparison sites offer “excess” policies, with all the extras like home start and national relay, for (iirc) £20-40/year + a £40 excess per call out. I’m sure these policies would be much better value for money for most people than the standard products available direct from AA, RAC, Green Flag, etc.
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I don’t think the Chase breakdown cover covers European travel either, it’s just UK only. It’s too limited for our situation. Wife WFH but also occasionally has to travel some distances and would need in the unfortunate situation of a breakdown, the vehicle being delivered directly to a dealership for diagnosis/repair (car is only 10 months old and under warranty), so being dumped at the nearest garage is absolutely not an option. Chase hooking up with the AA but not offering National recovery to the home address, is lame, but I guess that’s why they can offer it cheaper in the package.
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I’m annoyed with Chase purely because I can’t find one person to open the account 
worth remembering that neither Chase nor Nationwide actually offer first party repairs on their mobile insurance btw and will ask you potentially to ship the phone to their partner based solely on postcode lottery.