Breakdown Cover: Everything You Need To Know 

What is Breakdown Cover?

Breakdown cover is a type of insurance policy that provides assistance and support to drivers when their vehicle breaks down on the road. This coverage can help ensure that drivers don’t get stranded, as it provides them with access to emergency services and repairs.

How Does Breakdown Cover Work?

When you purchase breakdown cover, you will typically receive a phone number to call in case of a breakdown. You can call this number for assistance, and a technician will be sent to your location to help you get back on the road. Depending on your coverage, this technician may be able to fix your car on the spot, or they may need to tow it to a nearby garage for repairs.

Do I Need Breakdown Cover?

While breakdown cover is not legally required, it can be a wise investment for drivers. If you rely on your car to get to work or other important appointments, breakdown cover can help ensure that you don’t get stranded in the event of a breakdown. It can also provide peace of mind knowing that help is just a phone call away.

How Much Does Breakdown Cover Cost?

The cost of breakdown cover can vary depending on several factors, such as your location, the age and condition of your vehicle, and the level of coverage you choose. Basic policies can start at around £20 per year, while more comprehensive policies can cost upwards of £100 per year.

Should I Get Breakdown Cover with My Car Insurance Policy?

While some car insurance policies may include breakdown cover, it’s important to carefully consider whether this coverage meets your needs. In some cases, standalone breakdown cover may offer more comprehensive coverage and better value for money.

READ: Car insurance guides

How Can I Get Cheaper Breakdown Cover?

There are several ways to potentially get cheap breakdown cover. One option is to compare quotes from multiple providers with Comparoo to find the best deal. You may also be able to save by choosing a policy with a higher excess, or by opting for a basic policy rather than a more comprehensive one.

FAQs

Is breakdown cover the same as roadside assistance?

Breakdown cover typically includes roadside assistance as well as other types of assistance, such as towing and transportation to a nearby garage.

Will breakdown cover cover me if I break down outside of the UK?

Many breakdown cover policies offer coverage in other European countries, but it’s important to check the details of your policy to ensure that you’re covered.

Can I purchase breakdown cover for a motorcycle?

Yes, many breakdown cover providers offer coverage for motorcycles as well as cars.

Will breakdown cover cover me if I break down at home?

Some policies include home start coverage, which means that you can receive assistance if your car won’t start at home.

How quickly will a technician arrive to help me?

Response times can vary depending on your location and the level of coverage you have. Some policies offer priority response times for more serious breakdowns.

Can I purchase breakdown cover for a rental car?

Yes, many breakdown cover providers offer coverage for rental cars.

Do I need to have my car serviced regularly to be eligible for breakdown cover?

While some policies may have specific requirements regarding vehicle maintenance, many breakdown cover providers do not require regular servicing.

Will my breakdown cover me if I run out of petrol?

Many policies will provide assistance if you run out of fuel, but you may be responsible for the cost of any petrol or diesel that is required.

Can I purchase breakdown cover for a specific trip or period of time?

Yes, some providers offer short-term breakdown cover that can be purchased for a specific trip or period of time.

Will my breakdown cover me if I break down due to an accident?

Breakdown cover typically does not cover accidents, as this is typically covered under car insurance. However, breakdown cover can provide assistance if your vehicle breaks down or experiences a mechanical fault while you’re driving.