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A Guide for Choosing Breakdown Insurance
Looking for breakdown coverage?
We make comparisons of breakdown insurance providers to help you get access to online quotes. Whether it is a car, motorcycle or van, we’d be more than happy to help provide you affordable recovery and breakdown coverage quotes.
Breakdown coverage can be quite handy when you want some peace of mind about your vehicle potentially breaking down and needing repairs. This is especially true if you use your car on your day to day commute, making it a crucial part of your everyday business. By using our comparison system, we will search a wide range of well-known insurers that offer breakdown coverage so you can easily pick out the coverage level that is most ideal for you.
Securing an insurance quote is simple enough to do and the results are quick. All you have to do is fill out the short form we provide and we can get you quotes from a variety of providers in the UK. How old your vehicle is can play a huge role in how much it would cost you to sign up for breakdown insurance. The same is true for the type of coverage you want.
Aside from offering you price comparisons, we will also include details of every policy that is being compared and the overall cover level that it provides. We will include Roadside Assistance, Home Start, car hire, European cover and whether it is possible to provide a relief driver. This allows you to successfully select the breakdown cover that works best for you.
A guide to breakdown insurance
It can be stressful to deal with vehicle breakdowns. This is especially true if you rely heavily on your vehicle for your daily commute needs. A breakdown coverage ensures that you can get the vehicle fixed in no time and get it roadworthy again no matter the time of the night or day.
Different types of coverage
Generally, there are two types of breakdown cover you can sign up for in the UK.
Standard breakdown coverage
This is considered the most convenient option and offers the most basic protection as far as coverage insurance goes. This type of insurance will allow the driver to choose the type of coverage that is most suitable for their needs. The breakdown services will be paid upfront. The fee is annually paid and will offer the driver assistance for vehicle breakdown on the next year without any additional charges. For this kind of breakdown insurance, it is common for the provider to have their own assistance services in the event of a breakdown.
In addition, this coverage also offers the driver a choice between a vehicle-based or personal insurance. If a policyholder will choose the personal option, he gets covered in whatever vehicle he will be travelling in. The vehicle-based coverage, on the other hand, means that a policyholder will choose the vehicle that is nominated for coverage and that vehicle is then covered.
Understand that it is common for these policies to only offer up to 60 minutes of labour for those instances when a driver requires roadside help. Most of the policies are not going to offer any coverage involved for costs of parts that may be needed to get replaced in order to get the vehicle patched up.
For drivers that would prefer to get covered for all potential repair costs, with parts included, then they are expected to pay a much higher premium. They may even likely get subjected to excess payments for every claim.
Pay and claim coverage
This is similar to the way the standard insurance is set up where a policyholder will need to pay for an annual fee upfront for the breakdown coverage he is getting. However, there are certain differences that set this apart from the standard coverage. For one, the company offering the breakdown insurance will usually contract the breakdown service to local providers. They do not own the service. Also, when a driver will call for assistance, they will have to pay the local provider to get the job done. The receipts for the service will then be sent over to the insurance provider in order to get them reimbursed.
A pay and claim coverage can also come cheaper than standard breakdown coverage. This allows the policyholder to pay for a much cheaper price. However, he does miss the many conveniences that come with standard cover. It is also important to remember that neither of these policies should be used as a substitute for vehicle maintenance. It is common among providers to reject a driver’s request for help if he calls in needing assistance over the same problem multiple times without even taking the necessary steps to get the vehicle fixed and maintained the first time it happened.
Features of breakdown coverage
It is common for breakdown policies to offer the following features:
- Roadside assistance: Considered as breakdown insurance’s defining feature, it offers drivers the help he needs whenever his vehicle breaks down, especially when he’s away from home. When a policyholder will call for assistance the insurance provider will then send somebody to extend help. Do understand that there may be a minimum distance that a driver is required to be away from his residence in order to qualify for help. In most cases, a driver is required to be at least 400 metres or a quarter of a mile away from home.
- Vehicle recovery insurance: In the event that a driver will require road assistance but the issue could not be fixed right away, the vehicle will get towed either to the driver’s home or to the nearest garage— whichever destination is closer. Depending on what is stipulated by the policy, there may be instances when it is the policyholder that will specify where to take the vehicle.
- Home assistance: This isn’t a feature that all policies will have. But when it is present, it will allow the policyholder to get assistance in the event that the car breaks down near or at their residence.
- Onward travel cover: in the event that your travel plans ever get disrupted due to a vehicle breakdown, this feature in the policy will be able to cover the costs you need to pay when making alternative travel plans and arrangements. There are policies that will even cover accommodation in the event that your car breaks down away from home.
- European coverage: it is common for breakdown insurance providers to offer breakdown coverage to other European countries.
A good way of comparing breakdown insurance is by narrowing your choices to policies that offer the specific features they need. Choosing the right coverage should be based on your specific driving circumstances as well as the manner in which you use your vehicle. You may also sign up for extra coverage depending on what you need. For instance, features including European cover and onward travel are convenient and useful for somebody that travels frequently whether for business or personal purposes. However, it is pointless for drivers that only ever use their vehicles for local travels.
When making comparisons, it is important to look at exclusions to the policy as well. Neglecting this aspect of the coverage can only lead to unnecessary surprises, especially for things that you might
assume you are covered for but in reality, you aren’t. Most policies will usually have the following stipulations or exclusions:
- Policy or annual limit on the number of times you can call out
- Weight limit to the vehicle
- Incidents that involve human error such as fuel running out, lost keys, as depleted battery as a
result of leaving the lights on.
There are policies that will not offer coverage for instances when wheels needed to be changed. This means that it is the responsibility of the driver to ensure that the vehicle has a roadworthy spare at all times. The same is true for any accessories required in getting the wheel changed.
Minimising costs on premiums
Drivers hoping to take advantage of cheaper breakdown coverage should look into making comparisons between calculated premiums and price premiums. This is a crucial consideration to make especially since calculated premiums are generally based on the vehicle’s age as well as its calculated mileage. This means that the more miles the car travels or the older it gets, the higher the premium costs are going to be. In this case, you might find it cheaper to go for a policy with a fixed price. Just bear in mind that there may be considerable differences between the two policies.
In addition, households with multiple cars can potentially get discounted premiums if they will choose to get all these vehicles insured under the same provider. You can also reduce your breakdown insurance costs by choosing a pay and claim option over the typical standard breakdown coverage. However, this can lead to lower service levels. So, always consider the potential trade-offs before making a choice.