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?
Breakdown cover is worth having for any driver, but it is particularly important if you drive an old or unreliable car, regularly drive a lot of miles or you often drive late at night, where it may be harder to get help.
What vehicles can be covered under a breakdown policy?
Most vehicles can be covered under a breakdown policy, including cars, vans, motorbikes, motorhomes, and minibusses.
If I break down, what will I need to tell my breakdown cover provider?
When you call for assistance you’ll need to provide your full name and breakdown membership number, your location, contact number and the cause of the breakdown, if you know it.
What type of breakdowns are covered?
Most situations are covered with the most common being: flat or faulty batteries, damaged tyres or wheels, motor failure, broken clutch cables or adding the wrong fuel.
What is unlikely to be covered by a breakdown policy?
Common exclusions to breakdown policies include:Any failure that does not cause a breakdown Cost of a replacement wheel
Cost of parts or labour if you have not added this as extra cover to your policy
Any vehicle that is deemed unroadworthy by your provider
Any breakdown on private property
How many times can I claim on my breakdown cover?
The number of times you can claim depends on your provider and the level of cover.
Can I get help if I break down at home?
Yes, but only if you include home start cover in your policy.
What is roadside assistance?
Roadside assistance is included in every policy. It gives you help on the side of the road or will tow you to a garage if your vehicle breaks down and can’t be repaired there and then.
What is vehicle recovery?
This allows your vehicle to be towed to any location in the UK if it cannot be fixed on the road.
What is onward travel cover?
Onward travel cover allows you to continue your journey if your car cannot immediately be repaired. It includes a hire car or hotel accommodation.
What is home start cover?
This covers any breakdowns that happen at your home or within a certain distance of your home.