Breakdown Cover

Your Step-by-Step Guide to Buying a Breakdown Cover Policy

Breakdown cover is something that no driver should be without. If you don’t have one of these policies yet, you will need to learn about the entire process that is needed to get one. The sooner you get started with doing this, the sooner you can get peace of mind when you are on the open road. Once you have breakdown cover, help will only be a phone call away.

Find Out if You Already Have Breakdown Cover

Some people already have breakdown cover with their car insurance provider and they don’t even know it. If you aren’t completely sure about this, it’s important that you check. If you do not have it through your current insurance policy, ask your provider how much it would cost to add it. A lot of car manufacturers offer breakdown cover, so that’s something you should look into as well. Even those who own a used car can get this type of cover.

Select Your Cover Level

There are different levels of breakdown cover that you will have to choose from, and it’s crucial that you understand all of your options.

Roadside assistance is included with all breakdown cover policies. This will allow you to get a mechanic out to your car to start it back up if it breaks down. If your car cannot be started on the roadside, it will be towed to a local garage. There is typically a limit on the distance that you can get your car towed.

Vehicle recover is another level of cover that you can get, and it will let you get you, your car and any passengers transported to whichever garage you want. This is a great option because you won’t be limited to whatever garage is closest to where you break down.

Home assistance cover will allow you to get help with breakdowns that occur before you leave your house. If you get in your vehicle only to find that it won’t start, this level of cover can certainly be very helpful.

European cover will allow you to take advantage of roadside assistance services wherever you are in Europe. If you travel outside of the UK sometimes, this is a good option to consider.

After You Purchase the Policy

Once you have purchased a breakdown cover policy, you should make a copy of your policy details and keep it in your car at all times. You will also need to make sure that you keep your mobile phone with you as well as a charger. If you break down you might need to wait a little while before help arrives, so it’s a good idea to keep an extra jacket and/or blanket in the boot of your car. The more prepared you are for a breakdown, the smoother everything will go if it ever actually happens.

Common Types of Callouts

There are a number of different types of callouts that most breakdown cover providers can help you with. When you are looking for the right provider, make sure that the one you choose offers all of these.

Battery Jumpstart

If you are ever in your car and the battery suddenly dies, you’ll want to know that you can depend on your breakdown cover policy to help you. A mechanic will be sent out to your car to restart it so you can get back on the road as quickly as possible. If your battery needs to be replaced altogether, you can still get your car towed to a local garage.

Tyre Changing

Lots of people get flat tyres while driving on the road, but a good breakdown cover policy can help you get someone out to change yours with a spare. Everyone should keep a spare tyre in their vehicle at all times for these specific situations.

Car Keys

You can get a breakdown recovery policy that will help you if you ever lose your keys or have them stolen. It might be worth getting this additional cover when you consider the sheer convenience. You can get new keys for your car and all of the locks replaced.

Know the Terms and Conditions

It is crucial that you are fully aware of the terms and conditions of your breakdown cover policy. There will most likely be certain limits, such as the distance you can have your vehicle towed if it breaks down and cannot be fixed onsite. Each provider has their own rules about these things, and you will need to find out what they are before getting a certain policy.

You will likely only be able to do a certain number of callouts within a 12 month period. Those who think they might break down more often than others should look for a policy with a higher maximum callout limit.

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