Breakdown cover is a great addition to any car insurance policy. It gives you the extra protection that makes dealing with breakdowns and roadside emergencies easier. This type of insurance cover is getting more popular as more people opt for convenience as they drive more.
Getting one is easy too, especially since you now have more policies and providers to choose from. Before moving forward and searching for a good breakdown cover for yourself, there are some important things you need to know about this type of insurance.
One of the first things you need to know about breakdown cover policy is that there are different types and options to choose from. Not all breakdown cover policies are created equal. The most popular and affordable option is the basic breakdown cover.
Basic breakdown cover provides coverage against roadside emergencies in the form of on-site repairs at the roadside. If the car isn’t mendable at the roadside, it will be towed to the nearest garage for free. The basic cover does not include the cost of repairs beyond what can be done at the roadside.
You can go a step further and add a home start cover to your breakdown cover policy. This means you can still count on the roadside assistance if your car will not start at home, or if the problem happens within a quarter mile from your house.
The high-end premium policy does even more than that. This type of policy comes with wider coverage; some will even take care of your car if it breaks down in other European countries. There are also premium policies designed to cover onward travel, including the cost of hiring a replacement car and accommodation.
Nationwide and European
As mentioned before, you can choose the coverage range based on your specific needs. If you only travel in the UK, a basic breakdown cover or a nationwide plan is usually enough. The latter adds coverage for your onward travel within the UK.
If you are going on a road trip to Europe or if you regularly drive to destinations in Europe, however, you need to get the premium breakdown cover with extended range. Service providers usually have local recovery companies on standby just in case you need assistance while traveling.
Some service providers also offer on-demand add-ons. This gives you more flexibility when it comes to choosing the coverage types to get.
For example, you can add the European breakdown cover to your existing policy for a month or 90 days so you can stay protected while traveling or on a holiday. There is no need to pay for the full year if you don’t need the extra coverage all the time.
It’s Not Always About the Car
Here’s another interesting thing about breakdown cover: it isn’t always tied to a particular car. Sure, there are policies and plans designed to provide coverage for your car. If you only drive your car most of the time, this is the kind of policy to get. Breakdown cover for cars are usually more affordable too.
At the same time, you also have the option to buy breakdown cover for yourself. You can always count on the roadside assistance and added services regardless of the car you drive; yes, you can be driving a company car or a friend’s vehicle and still enjoy the same comprehensive coverage as you would when driving your own car.
The personal policy also works well when you have more than one car, since the cost of cover is much lower compared to buying breakdown cover for individual cars. Before you go this route, however, check if the company offering you breakdown cover has special discounts and offers for multiple cars.
You May Already Have It
Some insurance companies include breakdown cover in their insurance policies. Before going on a search for a good breakdown cover policy, be sure to check your existing car insurance for this type of coverage.
One thing to keep in mind about the breakdown cover included in insurance policies is that it is usually very basic. You get less coverage and fewer services even compared to a standalone breakdown cover policy.
Rather than sticking with the limited cover provided by your car insurance, you can negotiate a lower car insurance premium and buy the basic breakdown cover policy yourself to save money. Comparing the costs of these two options will give you a clear view of the best option you have.
Pay and Claim
One last thing to note about breakdown cover is the way the coverage is provided. There are policies that cover everything from the start, which means you don’t need to pay for the roadside assistance and added services. Other policies use a pay-and-claim model for convenience; this type of policies is more affordable too.
Now that you know more about breakdown cover and important facts about it, choosing the right one is not going to be difficult. Start your search, compare your options, and settle for the best breakdown cover your money can buy.