What you need to know about annual breakdown cover
There are few things more irritating – or worrying – than breaking down far from home. That’s why thousands of drivers choose to buy annual breakdown cover. You can buy it separately, or add it to your car insurance in many cases.
Want to know what kind of cover works for you? Read on…
Comparing breakdown quotes is easy with our comparison service. It’s simply a matter of choosing the right options for you.
Where do you want to be covered?
• In Europe
What do you want to cover?
• Your family
• A vehicle
• Multiple vehicles
Which type of cover do you want?
• Roadside Assistance
• Nationwide Recovery
• Onward Travel
• Home Start
• European cover
Levels of cover can vary, so choosing the right breakdown cover for you brings peace of mind, whatever you drive, whenever you want, 365 days a year. Compare today at comparethemarket.com
What are the different types of breakdown cover?
Vehicle and personal cover are the two main types of breakdown cover. Vehicle policies cover a vehicle(s) which is specified on a policy and this can include up to four vehicles at the same address (as long as they’re properly registered).
Meanwhile, personal policies cover the named passenger(s) and the driver(s) of any vehicle that meets your policy’s specifications. And just like with vehicle cover, up to four people who live at the same address can be covered for vehicles and this can include a mixture of cars, vans or bikes.
What levels of cover are there?
Roadside assistance, nationwide recovery, home start and onward journey. Whether you need local, national or European cover will depend on how far you plan to travel.
1. Roadside Assistance: If your vehicle can’t be fixed at the side of the road by a mechanic, then you’ll be towed to the nearest garage. This is typically the most basic level of cover
2. Nationwide Recovery: Nearly the same as roadside assistance, but you get to choose the destination you’re taken to (as long as it’s in the UK)
3. Home Start: This covers you if a breakdown happens within a quarter mile radius of your home. This distance varies by provider, so read your policy terms carefully!
4. Onward Journey: The hire of a replacement vehicle, temporary accommodation and medical assistance can all be covered by annual breakdown insurance.
If you select cover for Europe, remember to check with care the details of your policy. Each country could have different situations which might or might not be included in the cover.
Should I include breakdown cover as part of my vehicle insurance?
Some insurance providers may have breakdown cover included in their policy, while others allow you to buy it as an optional extra. It’s a good idea to check the level of cover you are getting to make sure it meets your needs.
If you decide that buying through your insurance provider isn’t for you, it’s easy to buy a separate annual policy with the provider of your choice.
What happens if I don’t have cover and I break down?
If the worst happens and you don’t have the right cover, you may need to find a family member, friend or local garage to help you out.
If you need to be rescued by a garage then you may have to pay a fee, and it could be costly if you’ve got to find last-minute transport to carry on your journey.
If you’re caught short abroad, such as in Europe, then things could get really complicated! Why not spare yourself the hassle and start comparing breakdown insurance instead?
Where can I compare annual breakdown cover?
Not all breakdown cover is the same. It’s important to think about all the policy features and exclusions, and to really understand all of your options before deciding the level of cover which works for you.