Breakdown cover is an essential for motorists who don’t want to be caught out when their car gives up the ghost. This type of car insurance is usually available as two types:
Basic cover – most insurers offer basic breakdown cover that provides ongoing assistance if your car breaks down. Options usually include, vehicle based cover (the vehicle is recovered) and personal cover (vehicle and passengers are recovered).
Pay and claim cover – the main difference with this type of policy is that you have to pay a third party recovery service up front and then reclaim from the insurer, as opposed to the insurer sending out its own team.
Breakdown cover options
In addition to the two basic types of breakdown cover there are a number of options you can factor into a policy to create the right one for you.
Roadside assistance – when you break down more than a quarter of a mile from home you’ll get help to get the car restarted again. If the car can’t be fixed it’s towed to the nearest garage.
Vehicle recovery – if the car can’t be fixed then it, and its passengers, are recovered to either the home or destination points.
Onward travel – the level of cover offered will vary widely so you should choose one that will give you options based on the types of journeys likely to be involved.
Home assistance – as most breakdown cover only operates outside of a quarter of a mile from the home, this add-on provides cover within that area too.
European – essential assistance in Europe if you’re driving your car overseas.
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