the biggest problem with the club insurance type people is when you need them most you are dealing with call handlers who have set questions to ask when dealing with your call no knowledge whats so ever of your situation or the vehicle they are being asked to deal with. My advise if you want to go it alone is to ring up a recovery operator who has knowledge of military vehicles and ask what its liable to cost to go home get pulled of motorway etc and set up a cash account. Bear in mind it don't have to be in their area they have the contacts. then in your moment of dire need give them a ring. One such type has been mentioned many others are available stay clear of those that waffle on. Little tip take note and see which private operators are actually towing currently serving Mod vehicles about or doing recoveries for the Mod very few are done by the Mod anymore