What you need to know about comparing breakdown insurance
When it comes to breakdowns, they tend to happen at the most inconvenient times and often in the most inconvenient places. That’s when breakdown cover comes into its own. Not only will it give you peace of mind, but it could get you back on the road when disaster strikes. And it doesn’t matter what kind of vehicle you drive as there are policies that cover car, van, motorbikes and scooters. You can even add it to your existing motor insurance policy.
Frequently thought questions
Does breakdown insurance cover me or my vehicle?
You can get breakdown insurance that covers you or your family, or vehicle-based insurance that offers cover for up to four cars registered at the same address.
What is personal cover?
With personal breakdown insurance, you’ll be covered no matter what vehicle you’re in, whether you’re the driver or a passenger. You can extend this cover to include up to four people living at the same address and the vehicles you’ll be covered in can be cars, vans or bikes.
What is vehicle cover?
Vehicle-based insurance can be for a car, van or bike and provides breakdown cover for whoever is driving the vehicle. You can opt for multiple cover, which provides insurance for up to four vehicles registered at the same address, and these can be a mixture of cars, vans and bikes.
What level of breakdown cover is right for me?
There are five levels of breakdown cover, which can be bought separately but are typically bundled together. What’s right for you will depend on your individual circumstances and needs.
1. Roadside assistance The most basic form of breakdown cover. A recovery vehicle will try to fix your vehicle by the side of the road. If this isn’t possible, you’ll be taken to a nearby garage.
2. Nationwide recovery Offers the same as roadside assistance, but you get to pick the destination you’re taken to (anywhere in the UK).
3. Onward travel Includes a means of continuing your journey. Some policies provide a replacement car while yours is at the garage, some offer reimbursement of public transport costs, while others even cover a night’s accommodation and medical assistance.
4. Home start Covers you if your vehicle breaks down at home or within a quarter mile radius of your house.
5. EU cover Typically includes all of the above, but EU breakdown cover also applies when you’re in Europe. You can choose between:
• Single trip cover – provides cover for up to 31 days.
• Multi-trip (annual) cover – offers cover for multiple trips that you might make in a year, up to 90 days in total.
What happens if I have to use my breakdown cover?
Using your breakdown insurance is simple. Keep a copy of your policy details in your car or downloaded to your phone. If your car breaks down, all you need to do is call your breakdown provider. They’ll take details of where you are and what the problem is, then send out a mechanic.
Depending on the nature of the problem and your level of cover, the mechanic will either fix the issue at the roadside, or tow you and your vehicle to a nearby garage or your chosen destination.
Could I already have breakdown cover?
If you’ve just bought a new car, it’s a good idea to check whether the dealership included breakdown cover in the package. If cover was included, it’s worth checking the level to make sure it offers everything you need.
How can I find a good deal on breakdown cover?
Compare breakdown insurance with us and we’ll help you find suitable cover, at a price you can afford.
We just need an idea of how old your vehicle is and some basic details about you. We’ll then show you a list of the deals available, starting with the cheapest option, detailing what type of cover is included in each. You can filter your results by policy type and include optional add-ons, to find cover that suits your needs.