Although driving a car allows for complete freedom, there can be times when things go wrong. Many drivers will be familiar with breaking down at unexpected times at the frustration it can bring.
Cars can break down for many reasons, and it can be an expensive ordeal if no safeguards exist.
Breakdown cover ensures that if a vehicle cannot be repaired on the side of the road, it can be towed to the nearest garage so the car can be fixed. However, there are several breakdown cover types to consider, each with pros and cons.
Many people assume that all breakdown cover is the same, but there are some considerations to make before choosing a provider. The following is an overview of the factors that should be considered when searching for breakdown cover.
Although insurance and breakdown cover are not the same, there can be instances when coverage is included with a policy.
Before purchasing breakdown cover, you should check with your current insurance provider to see if it is already included in your policy. If breakdown cover is included, you should clarify your level of cover.
This ensures that you’re not paying twice for the same level of coverage and allows you to make an informed decision regarding the available options. For example, although breakdown cover may exist alongside an insurance policy, it may not offer the level of protection vehicles owners are searching for.
Given that some assume that all breakdown cover is the same, they may choose the cheapest option. Unfortunately, choosing the cheapest breakdown cover could mean not getting full value for money.
Although there is nothing wrong with searching for affordable breakdown cover, paying the additional fee can be worthwhile to ensure the correct type of coverage is in place.
As there are different iterations of breakdown cover, the price you pay will depend on your requirements. Although nobody wants to pay more than they need for breakdown cover, it could cost more if you aren’t aware of your requirements.
The following is an example of some considerations that need to be made when searching for breakdown cover.
Reviewing the available options can be worthwhile if you are unsure what level of protection you need.
When searching for breakdown cover, several options will be available. The following is an overview of the standard membership types.
Roadside Assistance
Roadside assistance and breakdown cover are terms that can be used interchangeably. This is because roadside assistance is the most common type of breakdown cover, as it allows for the vehicle to be repaired at the side of the road in most instances.
National Recovery
National recovery allows several passengers to be towed to a nearby garage or chosen destination anywhere in the country in conjunction with repairing vehicles at the side of the road.
Home Start
Home start breakdown cover offers the same benefits as roadside assistance but provides additional cover if the vehicle breaks down at your home or within a quarter of a mile.
Onward Travel
If your car cannot be repaired at the side of the road, onward travel breakdown cover will provide you with a courtesy car and cover accommodation costs. This ensures travel plans are not hindered when a vehicle is being repaired.
The way breakdown cover works can vary between providers, so you must read the small print to be sure of the terms and conditions of the agreement. Some coverage may be suitable for anyone who drives the vehicle, whereas others can be restricted to one driver.
Being well versed in what the policy includes ensures you are not paying additional costs when using breakdown cover.
When exploring the available options regarding breakdown cover, some are surprised to learn there are different types available. Personal breakdown cover typically covers an individual, whereas a vehicle breakdown cover is for a dedicated vehicle.
There can also be several levels of membership to consider. For example, some coverage will offer essential roadside assistance, whereas others can provide courtesy cars if a vehicle breaks down.
In most instances, breakdown cover will not allow for callouts for the same problem. However, some providers may limit callouts overall, so this should be checked before committing to breakdown cover.
Unlimited callouts can mean breakdown cover could cost more but could be worthwhile depending on the type of vehicle being driven.
Although the exclusions associated with breakdown cover can be limited, you should still be aware of them before going ahead with breakdown cover. The exclusions can vary between different providers but often consist of the following.
The exclusions listed are examples and will vary among different providers.
Although the optional extras regarding breakdown cover will cost more, they can be worthwhile for some drivers. Those searching for additional peace of mind can choose from a wide range of optional extras, including but not limited to the following.
Although optional extras won’t be for everyone, they can be worth considering if you want to obtain the most value from your breakdown cover.
Those exploring options regarding breakdown cover for the first time may feel there is a lot to consider. However, becoming familiar with the options available ensures that you always receive the best value for money regarding breakdown cover and have complete peace of mind when travelling.