There is a lot of assumed knowledge around breakdown cover and like any financial product for the ordinary man it can often seem like an overly complex task. It shouldn’t.
That is our motto here at Rescue My Car and we do all we can to ensure our customers are fully briefed on any product before they purchase.
It’s all part of making sure they buy the right breakdown cover and as part of that ongoing commitment to provide clear and concise information to support a breakdown purchase and here we share our latest guide to what we do – a Breakdown Cover for Beginners guide.
What are you covered for?
Most providers offer a range of policies providing different levels of cover. The most basic policy will cover you for fixing your car at the roadside, as long as you are at least a certain distance from your home, or a tow to the nearest garage if repairs cannot be carried out at the roadside.
There are more comprehensive policies that will provide cover if you break down at home, recovery of the vehicle and any passengers, and even onward travel to destinations within the UK.
Obviously the more comprehensive the cover, the higher the price, so give some thought to exactly what you want out of your policy. You will also need to consider what excess you will be happy with as some providers may charge an excess fee whereas others will not and this can affect premiums.
You can also get cover for European journeys and you should enquire about this if you wish to drive abroad at any time in the following 12 months. Any good breakdown cover provider will be able to advise as to what sort of cover is best based on your personal need for such cover as if you plan to spend a week abroad your needs will be very different to if you will be spending multiple holidays spread over weeks of driving time abroad.
The one thing you must do before buying any breakdown cover, however, is to make sure you get some expert advice before deciding on any cover from a team like the one waiting on the end of the phone now on 0800 0199519.
European cover
If you are planning to drive abroad then be aware that European travel may not be included in a standard breakdown policy. Most providers either sell this as an add-on to your cover or as a separate policy completely.
Remember that breakdowns abroad are not normally covered under your travel insurance or car insurance, so without the right cover, you could face a hefty bill – repatriation costs for your vehicle could run into the thousands.
