Breakdown Cover
We don't realise how much we depend on our trusty motors until the unthinkable happens. It breaks down at home causing you to miss that all important meeting, or you find yourself stranded, alone and vulnerable, in the middle or nowhere or on some hard shoulder or another. Either way, help is available from a whole host of breakdown insurance companies, at very reasonable prices with a good range of policies. Choosing the best policy for your needs is important, and there are several aspects you will need to take into consideration.
Firstly, decide whether you want to cover the vehicle or the person.
Covering the vehicle means anyone driving it will be covered, regardless
of whether they are the policyholder or not. Covering the person means
you're insured as the driver or passenger of any vehicle, and although
it is typically more expensive than vehicle cover, it is handy if you
drive several vehicles.
Secondly, decide which cover level is most suitable for your needs. Companies have their own terminology for the levels of cover but most are along these lines just choose from:
|
Platinum
|
Gold
|
Silver
|
Bronze
|
| Fix at roadside | Fix at roadside | Fix at roadside | Fix at roadside |
| Recovery to garage | Recovery to garage | Recovery to garage | Recovery to nearest garage onaly |
| Recovery of up to 7 passengers | Recovery of up to 7 passengers | Recovery of up to 7 passengers | |
| Recovery to any UK destination | Recovery to any UK destination | Recovery to any UK destination | |
| Fix at home | Fix at home | ||
| Onward travel (train ticket, hire car or accommodation) |
This range of cover levels offers you the choice of very basic cover through to a very comprehensive service offering alternative transport or hotel accommodation.
Finally, depending on which cover you have specified, you can add another
vehicle or person on to your policy, providing they are registered at
the same address as yourself. In some cases partners can be added to your
policy free of charge.
The information and websites listed on this page are for your information and convenience of searching and do not include all the possible sites. Savings Advice does not endorse any particular website and is not responsible for the content of the sites listed. Savings Advice will not mediate or get involved in any disputes or problems regarding the quality of advice or financial loss thorough any of the websites listed on this page. If you are unsure about the service offered by any of the sites listed, please check them with the Financial Services Authority. Savings Advice does not offer financial advice and is not tied to any particular financial institution.