who do you bank with? some banks offer a "premium" type account where you can pay something every month and get interest free overdrafts etc, but also they tend to include breakdown cover, mobile phone insurance and some even travel insurance.
Halifax and co-op do one for sure, Halifax is called ultimate reward account and costs 12.50 a month for lots of things including all the above. Having had to use that when I had the bike smash I can say it was worth it for me!