Personal vs vehicle cover
Personal cover suits people who use more than one car, while vehicle cover is often the cleaner value choice for one regular vehicle and one regular driving pattern.
Reasons to choose Personal cover
Personal cover wins on flexibility. It is the better answer when the rescue entitlement needs to follow the driver rather than a single registration.
It becomes especially useful in households with shared vehicles or for drivers who regularly move between cars and do not want coverage logic to change with the keys in hand.
Reasons to choose Vehicle cover
Vehicle cover wins when the setup is simple. One main car, one clear use case, and one preference for straightforward value usually points here.
It is often the cleaner-value route for buyers who do not want to pay for flexibility they rarely or never use.
What could change your decision
The wrong choice usually happens because buyers answer the flexibility question lazily. Be honest about how fixed or changeable your driving pattern really is.