Explain More About Breakdown Cover

Most of us see breakdown cover as an insurance policy to at least guarantee a professional engineer will call out and visit our call should your vehicle stop working. Whether the car is fixed by the road, taken to the nearest garage, or recovered to a place of your choice, all depends on the insurance policy you have purchased for this time of need. Let us explain some more.

Definitive Breakdown Cover Guide

  • The polices available can vary but in essence fall into similar groups, it is by understanding these groups that will give you the best chance of comparing prices and the right level of protection for you. It is worth stating at this point that cover can be for your vehicle or yourself.
  • If you share a car or van with a partner, you can consider buying a policy that covers the vehicle. But if you drive many cars, it could be that a policy that covers you personally, no matter what car you drive is more appropriate. Lets look at the different options.
  • Different breakdown cover providers may have different names for these levels. And what's more you can buy all these policies online for immediate protection for the UK or Europe.

Repairs With Roadside Assistance

  • This is normally the cheapest option offered to motorists. It will guarantee that a rescue patrolman or a local network member will visit your car should you need help and attempt to get you and your vehicle on their way from repairs at the road.
  • It is believed that 80% of all call outs can be repaired at the roadside. If the repair is not possible locally, your car can then be towed to the nearest garage. There are some faults that just cannot be fixed in those conditions, faulty brakes is an example.

Transportation With Breakdown Recovery

  • This option would normally include the roadside assistance cover but the added extra convenience of recovering your car back home to anywhere in the UK mainland. (please check the details if you live off the mainland).
  • However some policies state, they will do only do this after they have had the option of repairing your car within a reasonable mount of time. Either the main vehicle patrol company may transport your vehicle or they may employ a third party to so do on their behalf.

Cold Wet Mornings: Home Start

  • The options stated above normally would not protect you should you need assistance at home or within a small radius of your home.
  • The radius can vary fro 1/4 mile to 1/2 mile depending which company you choose. Should you car not start one winters morning, this option type will ensure a visit from you friendly breakdown cover service provider.
  • You usually cannot but this policy on its own, only with roadside assistance or breakdown recovery combined.

Further Travel

  • There are different tiles for this advanced option, but in summary means that should you have an emergency, you may receive a hire car, accommodation and even onward travel arrangements.
  • The options available differ from policy to policy here, so it is important to fully understand what you are entitled to. This type or breakdown rescue policy would normally include roadside assistance, breakdown recovery and home start too.

Agreed Network: European Breakdown Cover

  • As the title states this option covers you for assistance within certain European countries. It relies on its agreed network to visit you, repair your car at the roadside and in the worst situation, get you and your vehicle home.
  • You should be aware that not all European countries may be included from your rescue service provider. This type of policy is often bought as an add on to an existing option.

Further Options

  • Most of the large resuce service providers are now set up to offer you breakdown cover for many other different situations such as business, fleet car and even equestrian options to get your horse back home.

As you can see there is more to this than the cheapest option, it pays to study what is on offer and try to compare prices against the level of protection you will receive for the chance of any mechanical failure. View our comparison chart to view an overview of the options available.



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