When you are trying to select the right breakdown cover policy, you have to consider your own needs. Not all of these policies are the same, so it is crucial that you pick an option that provides you with adequate cover. The policies offered by Rescue My Car are good examples of this. This way you won’t have to worry about not being able to get the help you need if something happens to your car on the road. With all of the different problems you could encounter with your vehicle, it is very important to have the proper breakdown cover policy.
Consider Vehicle vs. Personal Cover
A personal breakdown policy will provide you with cover for any vehicle that you are driving. Whether it is your own vehicle or one that you have hired, you can get help if something goes wrong while on the road. This is a good choice if you tend to drive more than just one vehicle.
A vehicle breakdown policy will provide you with cover for a specific vehicle. If you breakdown in any other vehicle than the one listed in your policy, you won’t be able to utilize these services. If you typically only drive one vehicle, this is probably your best option.
Those who travel around Europe on a regular or semi-regular basis should consider getting European cover with their breakdown policy. This will ensure that you have access to assistance anywhere on this continent. Whether you break down in the UK or some other place in Europe, you can call to get help immediately. This is definitely something to consider if your job has you travel outside of the country within Europe at least once in a while.
Traditional vs. Insurance Breakdown Cover
Traditional breakdown cover requires you to pay an annual fee in exchange for constant access to a variety of services. This type of policy typically covers calls for flat tyres, jumpstarts, and towing. You pay a lump sum for the entire year as opposed to instalments.
There is also insurance-style breakdown cover, which is when you pay out of your own pocket for the services you need and get reimbursed later on by your provider. If you don’t want to make a big lump sum payment, this is most likely the best option to choose. Those who are on a tight budget often select this option because it is more manageable for them.
At Home Breakdown Cover
At-home breakdown cover services are usually not available as a standard option with most policies, but they can be incredibly convenient. If you ever lock your keys in your car or can’t start it and need a tow, you can get the help you need quickly. You might have to pay a little extra, but it could be well worth it.
Another option that you should consider looking for in a breakdown cover policy is onward travel. This will allow you to get a car hire if your vehicle needs to be towed to a garage for repair work. Some policies will also give you overnight accommodations if you break down far from home. This can help you out tremendously, especially if you experience car trouble far from wherever you live. Those who travel long distances for work a lot should definitely consider getting a policy that offers this.
If you have a motorcycle, recreational vehicle or caravan, you might have to get a breakdown cover policy that is specifically meant for specialty vehicles. Make sure that you understand which vehicles each policy covers so that you don’t end up making a mistake you will later regret.
One of the best things that you can do to save money on your breakdown cover policy is to shop around. Take some time to find out what different providers have to offer before making a decision. There is a good chance that your current car insurance provider can offer you this type of cover as an add-on, but you need to find out the details. Sometimes it is a good idea to go through an independent provider, as they could offer you a better overall deal.
You also need to think about the kind of vehicle you drive and how old it is before getting a certain breakdown cover policy. The more prone your car is to breaking down, the more comprehensive your cover should be. Older cars tend to have more problems than newer ones. There are also certain types of cars that are known for having specific issues on the road. Make sure that you consider these things before deciding on a specific policy. The more research you do, the easier it will be to select the right option to match all of your needs.