What breakdown cover do I need?

A breakdown policy gives you peace of mind that you can get help if something goes wrong while you’re on the road. This type of insurance policy can give you roadside assistance or tow you to a garage if your vehicle breaks down and can’t be repaired there and then. The right policy for you will depend on your budget, vehicle and how often and how far you drive.

Most vehicles can be covered under a breakdown policy, including cars, vans, motorbikes, motorhomes, and minibusses. Though your vehicle may have to meet certain specifications to be eligible, such as height or weight restrictions.

There are two ways breakdown cover can protect you - person or personal cover, which covers you as a driver or a passenger whenever you are traveling in any vehicle, or vehicle cover which covers only one specific vehicle. The type to choose really depends on your circumstances. If you tend to only travel in one particular car, it may be cheaper to purchase a vehicle cover policy. However, if you are more likely to travel in different cars, a personal cover policy will give you better protection.

There are also several levels of breakdown cover, which all offer different benefits at different costs. 

If you use your vehicle for professional purpose then you can get commercial breakdown cover to protect it.

Why would I need breakdown cover?

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What vehicles can be covered under a breakdown policy?

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If I break down, what will I need to tell my breakdown cover provider?

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What type of breakdowns are covered?

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What is unlikely to be covered by a breakdown policy?

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How many times can I claim on my breakdown cover?

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Can I get help if I break down at home?

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What is roadside assistance?

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What is vehicle recovery?

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What is onward travel cover?

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What is home start cover?

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