What are you going to buy your loved one for a gift? Do they drive and distance? Do they have a reliable car? Something that you may not have considered is buying online breakdown insurance as a gift. It may not seem much, but in times of trouble it could be the best present ever.
The most common reason for a breakdown is a flat battery which is more common during the wet winter months. To prevent a callout from the online breakdown insurance patrolman, why not have your battery checked normally free of charge from certain car accessory shops.
Do you often tow a trailer or caravan? Then it may be worth finding out if your current policy or the online breakdown insurance you are considering will cover the recovery of this also. Caravans are not cheap and being forced to leave it on the side of the road somewhere can be extremely inconvenient, not to mention the cost should you need to transport it home.