A day will come when you are going out for a long drive and your car breaks down midway. Experts say that there is more than 10% chance of breaking down each year if your car is more than 3 years old. So what can you do? Note that it is even worse in the winter. Getting your breakdown insurance is a good option to protect you financially if your car breaks down when it is least expected to.
Types of Breakdown Cover
Roadside Rescue: This type of cover is useful if your vehicle breaks down outside a specific distance radius from your home. In this case, breakdown insurance would pay for the servicing amount except the charge for new parts. The insurance company will provide you with other options. Be careful, if the incident is at your own home or within the specified radius of your home, you car will not be covered.
Home Rescue: It is basically the same as the roadside rescue. However, it extends the coverage to your house. It also includes getting your vehicle checked at the local garage.
Recovery Plus: This cover covers both home and roadside breakdowns. It provides a hire car to either return you home or continue your journey. And it also covers the cost of alternative transport to enable you to continue your journey or return home. If the breakdown happens in a set of miles away, as specified in the policy, accommodation in a local hotel while awaiting completion of repairs will also be provided.
Continental Cover: In the UK, European Rescue Breakdown covers roadside breakdown in continental driving. It covers the charge of repairing or bringing your car back to UK in case it can’t be repaired. However, it doesn’t cover the price of new parts. It is always wise to have this insurance if you are driving across Europe. Note that without it you might pay fees for roadside assistance for every kilometer your car is being towed.
Partners and Family
Some policies also cover your spouse or partner. You must make sure of this by checking it with the insurance company. Some companies even look if your spouse or partner is living with you at the same address. Family cover includes you, a partner and, usually, two children under 21 living at the same address as you. Don’t forget to check if your policy covers all the persons traveling in the car.
