In my 40 years of experience no insurance policy has included breakdown cover but most (if not all) comprehensive policies include recovery for the car following an accident. Unfortunately a broken window would not have imobilised the car thus would not have been covered by that part of the policy. I had a very similar accident some years ago where a motorcycle hit my mirror and broke my side window but I still managed to drive home with no glass, cuts on my hand, arm and face and later discovered I had glass in my eye.

This to me looks like a simple misunderstanding, the Polioe officer who made the call to the insurance could not have known about your brakdown policy with Sure Rescue thus how could he have arranged it with them.

Greenflag have every right to charge for their services if you were not covered.

I don't quite 100% follow the story but what I can tell you is that Churchill, Green Flag (and some other big names) are all part of the Direct Line group. As seperate as they may be, they are all one big company.

As for breakdown cover policies, most of them primarily cover BREAKDOWNS not ACCIDENTS. If you look in the small print of a lot of the policies it will say that they reserve the right to charge you for any towing costs that are not due to a mechanical breakdown. Hence when it involves accident recovery, they can pass the cost on to you.

Basically what you need to do is - if you have made an insurance claim for the damage to your car, pass the cost of the recovery from Green Flag onto your insurer.