When it comes to getting breakdown cover, it is important that you get answers to all of your questions before making any sort of decision. The more information you get, the easier it will be to make the right choice. If you ever do need to use your cover, you will know exactly what to do without hesitation.
What Does a Standard Breakdown Cover Policy Offer?
You will find that each breakdown cover policy is different, which is why it’s so important to learn about all of your options. These policies offer roadside assistance if your vehicle breaks down while driving, but some of them can also help you out if your car won’t start before you even leave home.
What Happens in the Event of a Breakdown?
If you ever find yourself stranded on the side of the road due to a mechanical failure, you will call your roadside assistance number. A mechanic will be sent to wherever you are in an attempt to get your vehicle started. If the mechanic cannot do this for whatever reason, your car will be towed to the nearest garage.
Is There a Tow Limit?
When you need to get your car towed because the mechanic that is sent cannot start it, there will likely be a limit on how far you can have it towed. If you opt for a national recovery cover level on your policy, you can get your car towed to anywhere in the UK. Those who often drive long distances should think about getting this additional cover.
What if I Break Down Outside of the UK?
Those who have a basic breakdown cover policy will not be covered for roadside assistance services outside of the UK. If you plan on taking a trip abroad, you should consider getting European cover. This level of cover will ensure that you have access to these services anywhere in Europe.
What Level of Cover Should I get?
There are numerous levels of cover that you can get with breakdown cover, so it’s important to figure out what exactly you need.
The first thing you need to think about before getting a certain level of cover is how old your vehicle is. Those who have an older vehicle should think about getting roadside assistance as well as repair cover. Getting repair cover could help you save money on certain parts that your vehicle will need should it break down.
If you are a local driver, standard roadside assistance should be adequate. Those who tend to travel farther away from home on a regular basis might want to opt for national recovery. The last thing you want is to be stranded a long ways from your home with a tow limit of just a few kilometres.
People who commute a decent distance to work each day are more likely to experience breakdowns than those who work near their home. You will need to keep these things in mind before making any final decisions.
What Exclusions Do Breakdown Cover Policies Have?
Every breakdown cover policy has its own exclusions that you should know about. There is usually a certain number of callouts that you can have in a year before you are cut off. When you are shopping around for the right policy, this is definitely something to consider. If you have an older car that tends to break down sometimes, it’s better to get a policy with a larger number of annual callouts. There are also usually weight limits put on vehicles, and wheel changes aren’t always covered.
How Can I Save Money on Breakdown Cover?
There are numerous ways to save money on breakdown cover, including finding the right policy to match your needs. You don’t want to waste money on a policy with cover levels you aren’t even going to use, so you will need to think about what your requirements are. You should also spend some time shopping around to get the best overall deal. Not all breakdown cover providers charge the same amount for these policies, so it pays to do your research.
Is Breakdown Cover Really Worth Paying for?
The fact is that breakdown cover can definitely be worth the expense for almost every single driver, but you need get the right policy. If you ever find yourself stuck on the side of the road because your car has broken down, you need to know that you can get help right away. Those who have this type of cover can call a single phone number to get the assistance they require. You should spend as much time as necessary finding out what your breakdown cover options are before deciding what to get. In the end this research will help you out quite a bit with getting your needs met.