How do you know when you´ve found the best breakdown insurance company for you? Truth is you don´t until you´ve been to them all. That´s where a breakdown insurance comparison tool comes in handy. It allows you to compare breakdown and car rescue cover in seconds by matching your profile to the leading breakdown insurance companies in the UK. Start your breakdown insurance comparison today.
When it comes to breakdown cover, it can be difficult to know what to go for. Breakdown insurance cover comes in two basic forms: standard breakdown cover and pay on call out.
Standard breakdown cover provides a service based on an annual subscription, whilst pay on call out breakdown cover requires you to pay a local garage to recover your vehicle before claiming the money back from your breakdown cover provider. This is usually the cheapest form of breakdown cover but the benefits are much lower.
The level of breakdown cover you decide upon will have a direct impact on your premium. You can choose varying degrees of breakdown cover from roadside assistance, vehicle recovery or home call out. Here´s a quick run down:
Roadside assistance: This level of breakdown insurance cover is the basic minimum. Your breakdown cover company will either fix your car at the side of the road or they´ll tow it to the nearest garage where it can be repaired.
Vehicle recovery: The vehicle recovery element of breakdown cover is designed to allow you to complete your journey if your car cannot be fixed on the roadside, rather than simply being towed to the nearest garage.
Home breakdown call out: If your car is at your home address (or close to it), home call out breakdown cover will provide assistance. This is normally excluded from basic breakdown cover policies.
Onward travel and other cover benefits: Breakdown cover policies are never identical. Breakdown cover is not an off-the-shelf product! It is important to check the small print so you know what you´re paying for e.g. is your breakdown cover providing you with car hire or will simply need to be reimbursed for transport to get you home. Some breakdown insurance cover will also pay for accommodation whilst your vehicle is being repaired.