In this article, we will explore what breakdown cover entails, how it works, the different policies available, and how comparing breakdown cover quotes can help you save money while ensuring a safe journey.

What is Breakdown Cover?

Breakdown cover is an insurance policy that provides assistance to drivers when their vehicles suffer a mechanical or electrical failure, leaving them stranded on the road. The policy typically offers services such as roadside assistance, towing to a garage, emergency repairs, and sometimes even accommodation or alternative transportation if needed.

How Does Breakdown Cover Work?

When you purchase breakdown cover, you gain access to a helpline or emergency contact number. In the event of a breakdown, you can call the provided number, and a breakdown service provider will be dispatched to your location. The service provider will attempt to fix the issue on-site, but if they can’t, they will tow your vehicle to a nearby garage for further repairs.

READ: Breakdown cover guides

Do I Need Breakdown Cover?

While breakdown cover is not legally required like car insurance, it is highly recommended for all drivers. A vehicle breakdown can happen unexpectedly, and having breakdown cover ensures that you receive quick assistance, avoiding potential safety hazards and costly towing fees.

How Much Does Breakdown Cover Cost?

The cost of breakdown cover varies depending on several factors, including the level of cover you choose, the type of vehicle you drive, your location, and any additional services you opt for. Basic breakdown cover can be affordable, but more comprehensive options with added benefits may cost more.

What Different Breakdown Cover Policies Are There?

Breakdown cover policies come in different levels of coverage, including:

• Roadside Assistance: Covers breakdowns that occur a certain distance away from your home, and the service provider attempts to fix your vehicle on-site.
• Vehicle Recovery: If your car cannot be fixed at the roadside, it covers transportation of your vehicle and passengers to a nearby garage.
• Home Start: Provides assistance if your vehicle breaks down at or near your home.
• Onward Travel: Offers alternative transportation or accommodation if your vehicle cannot be immediately repaired.

How Can Comparing Breakdown Cover Quotes Help Me Save Money?

Comparing breakdown cover quotes allows you to explore various offers from different providers, enabling you to find the best deals that suit your needs and budget. Utilising services like Comparoo, which compares the UK’s most trusted breakdown cover providers, can help you save time and money by presenting the most suitable options in one place.

Breakdown Cover FAQ’s

Is breakdown cover only for my car, or does it cover me as a driver?

Breakdown cover typically applies to the vehicle, regardless of who is driving it. Some policies may offer personal cover, which protects the driver regardless of the vehicle they are in.

Can I get breakdown cover for my motorcycle?

Yes, breakdown cover is available for motorcycles, and some providers offer specialised policies tailored to two-wheelers.

Will breakdown cover provide a replacement vehicle if mine can’t be fixed?

Replacement vehicle service is usually available as part of more comprehensive policies, such as “Onward Travel” cover.

Does breakdown cover apply if I am not the vehicle owner?

Yes, breakdown cover can be purchased for a specific vehicle, regardless of whether you are the owner or not.

Can I get breakdown cover for European travel?

Yes, European breakdown cover policies cover European travel. Be sure to check the policy details and any additional costs associated with this feature.

Does breakdown cover include battery replacement?

Yes, most breakdown cover policies include battery replacement as part of their roadside assistance services.

Will breakdown cover apply if I run out of fuel?

Yes, running out of fuel is considered a breakdown, and most policies provide assistance for this situation.

Can I get breakdown cover for commercial vehicles?

Yes, breakdown cover is available for commercial vehicles, including vans and trucks.

Is breakdown cover available for older vehicles?

Breakdown cover is generally available for vehicles of various ages. However, some providers may have age restrictions, so it’s essential to check with them.

Does breakdown cover offer assistance for accidents?

No, breakdown cover specifically covers mechanical and electrical failures. For accidents, you will need separate car insurance coverage.

Can I Add Breakdown Cover to My Car Insurance Policy?

Yes, it is possible to add breakdown cover to your car insurance policy. Some insurance providers offer this as an additional option to enhance your coverage. However, it’s essential to review the details of the breakdown cover being offered as an add-on and compare it to standalone breakdown cover policies to ensure you’re getting the most suitable and cost-effective option for your needs.

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