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Travel insurance for extended trips?

In the past when we have taken car + caravan to Europe for our holidays, we have taken out the CC's Red Pennant insurance. Now that we are retired and have the opportunity to make longer trips, I'm wondering what the alternatives are. For example, at the end of April we set off on an exploration of Germany, returning early August and the Red Pennant single trip policy has cost us £244. We will (probably) set-off again in Sept for France + Spain for circa two months. Our five year (!) plan has similar length trips, twice per year. We could take out Red Pennant 'long-stay' with max total days abroad of 185 days in any 12 month period (£491) or annual multi-trip for £319 (but max of 66 days for any one trip).

Do people take out (a) stand-alone health insurance and ditto car-breakdown insurance or (b) rely on the EU health insurance card and trust to luck with the car etc? I'm really interested in how other people handle travel, breakdown and health insurance , so don't be shy - reveal all 🙂
 

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