Many drivers are likely to be unable to work at some point. having breakdown cover can help make this less stress-inducing. Your breakdown provider can send someone to help fix your car or tow it for repairs, so you aren’t stranded on the roadside should your vehicle cease to function.
Drivers aren’t legally required to have breakdown cover, but it can be useful to have in the event that an incident occurs. What is breakdown insurance and what protection does an insurance policy provide?
What is breakdown cover?
Breakdown cover is a form of insurance that will help you out if your car is damaged at home or on the highway. With breakdown coverage should your car stop working and requires repair, you can call your breakdown service provider to assist you fix the problem.
While breakdown insurance isn’t legally mandated, having this coverage will help motorists feel secure, particularly ahead of a long journey. They can drive safe in the knowledge that should their car break down it won’t leave them stranded and won’t be required to shell out a fortune to get an emergency call-out from garages in their area.
The help you will receive from breakdown insurance will depend on the service you select and the coverage level you select.
What is the breakdown cover process?
You may choose to purchase breakdown coverage as a separate policy or buy it in conjunction with other services like your car insurance, or the bank account you have. Most of the time you’ll pay for your breakdown coverage every month or year, though there are certain “pay and demand” policies in which you pay for the cost of recovery upfront and then reclaim them later.
If you’re covered and you break down, as soon as you’ve stopped in an area where you are safe, you can call your breakdown provider to get help. They’ll send out an engineer who will try to fix your car, or if they can’t repair it on the spot, they will tow you to an nearby garage at minimum. What happens next is contingent on what’s wrong with your vehicle and the breakdown cover that you’ve got.
In the majority of breakdown policies will not require you to pay an excess for assistance.
What are the different types of breakdown coverage?
There’s a variety of different breakdown protection packages to choose from based on your driving habits as well as the level of protection you want.
First, you have the option of choosing between a single breakdown insurance that covers you or your vehicle as well as a policy that covers more than one vehicle or person.
There are two main types of breakdown coverage:
Personal breakdown cover which will cover the person regardless of the vehicle they are driving or are passengers in.
A breakdown protection policy for vehicles that will cover only the specified vehicle, or vehicles, on a policy.
No matter which breakdown membership you choose, you will get the choice of various levels of coverage that range from basic roadside assistance up to comprehensive, onward travel cover.
Roadside Assistance Breakdown Coverage
This is the standard and basic breakdown membership cover plan available. It guarantees that your provider will come to your broken down car and fix it and the next day, or arrange for it to be towed by a garage nearby, for more complicated repairs if needed.
National Recovery Breakdown Cover
Most of the time, these providers offer you a reimbursement and up to seven other passengers traveling along with you, who will be tow anywhere in the nation, be it to your chosen destination or to a garage near your location.
Home Start Breakdown Cover
Home Start breakdown cover will not only provide basic roadside assistance, but should your car breaks down near your home or within half a mile from it, then you’ll be covered through your breakdown membership plan.
Onward Travel Breakdown Cover
When you have Onward Travel breakdown cover, the provider will provide you with a rental car or pay for any other transportation costs, and/or cover the costs of any night-time accommodation so that you are able to drive while your car is being repaired.
Additionally several breakdown providers provide an optional addition to their coverage, such as:
parts and labor
Does your insurance policy cover breakdown repairs?
No, your car insurance will not provide breakdown cover on a regular basis, even though you have a comprehensive plan. However, many car insurers work with breakdown providers to offer drivers the option of buying breakdown insurance at the same with purchasing their automobile insurance.
Insurance on cars can cover costs in the event of an accident. However, not if your car breaks down.
All claims you make to your breakdown cover will not be counted as a claim for your car insurance , nor will they affect the no-claims bonus since they are two completely separate policies, even if you buy them together.
What is breakdown cover?
Though the specifics will vary between providers and the levels of coverage, as a rule breakdown coverage will provide you with 24/7 roadside assistance in your UK (and Europe, if you have European insurance).
Breakdown cover typically covers the cost of a mechanic who will help you on the roadside so you can continue your journey or, in the event of a need it will tow one to the garage for additional repairs.
Breakdown covers can assist for a variety of faults including punctures, flat batteries, or any other mechanical issues that hinder the driver from operating.
The breakdown cover you have may include protection for caravans or trailers that are towed by your vehicle, but it’s worth checking the terms of your policy to find out exactly what cover applies.
Does breakdown cover include parts and repairs?
Costs of component, such as a new tyre, or the repair costs of your vehicle at a garage, will not usually be covered by breakdown coverage unless you have signed the policy specifically to cover these components.
In the majority of cases, it will only pay for repairs performed at the time of breakdown by the repair mechanic who is at the location.
If you opt to add protection to cover the cost of garage repairs or parts There is usually an amount at which the breakdown provider will permit which means you’ll have to pay for any additional costs that go beyond this amount.
What are the exclusions of breakdown insurance?
The exclusions that apply will differ between breakdown insurance providers and policies. However, your breakdown cover might not be able assist if you:
Get breakdown assistance within 24 hours after taking out cover.
Repeat calls-outs to fix the same problem.
You must reach the maximum number of call-outs that are allowed by your service provider.
Break down at home or near your home (unless your insurance covers Home Start cover). Also, if you crash on private property rather than an open road.
Are involved in a road crash.
For assistance with routine maintenance or non-emergency repairs. For example, breakdown cover will not typically cover windscreen repairs.
Did you not take care of your car correctly. For example, this might be due to filling it up with the incorrect fuel, or not topping up your engine oil, or continuing to drive with a problem that then resulted in a breakdown.
Pets or animals are allowed accompany you when you break down. The presence of a pet in your car might not be concern, however it’s something you need to consider in your insurance terms.
Use the vehicle to race or for any other excluded activity.
Who offers breakdown cover?
There are a variety of providers of breakdown insurance to choose from such as traditional, pay-and-claim or directly from the car manufacturer when you purchase a new car.
The majority of car makers offer free breakdown coverage as part of their car warranty when you purchase an automobile. Depending on the manufacturer the coverage level and the length of the breakdown insurance plan may differ, but the average length is up to three years. This is particularly when you have your vehicle serviced by the dealership that you purchased it from.
How soon can you use breakdown cover?
Usually, your complete breakdown insurance will start 24 hours after purchase or on the chosen start date. Some providers may offer some sort of limited recovery services in the meantime, but this might be subject to some terms.
If you’ve been a victim of breaking down, but do not have any insurance but still need aid from a breakdown company.
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