Top 10 roadside emergencies breakdown insurance can cover
No one expects their car to break down, but when it happens, having breakdown insurance can be a lifesaver. Breakdown
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What is breakdown cover?
Breakdown cover, also known as roadside assistance or breakdown insurance, is a type of insurance service that provides assistance and support to motorists when their vehicle experiences a breakdown or becomes immobilised due to mechanical, electrical, or other issues. You can choose to cover yourself or a vehicle. Many providers will allow you to cover up to four vehicles, or people, on a single policy as long as they are registered or live at the same address.
Types of breakdown cover
Breakdown cover is available in various levels to suit different needs and preferences.
Roadside assistance
This is the most basic and often cheapest kind of roadside insurance, offering help if your vehicle breaks down while away from home. A technician will attempt to repair the issue on the spot, and if that’s not possible, towing to a nearby garage will be arranged.
National recovery
This cover offers more extensive coverage, transporting you, your passengers, and your vehicle to any UK destination of your choice. For those who only need basic services, local recovery limits towing to a nearby garage without additional transport for passengers.
Onward travel
Onward travel ensures that your journey continues smoothly by arranging alternative transportation, accommodation, or vehicle repairs.
Home start
Also known as home rescue, this cover provides assistance if your car fails to start at home or within a short distance from your address.
European cover
This will provide you with breakdown cover whilst travelling in Europe. It is not usually included with standard breakdown coverage.
Do I need breakdown cover?
While breakdown cover is not legally required in the UK, it is highly recommended for motorists. Having breakdown cover provides peace of mind, knowing that help is readily available in case of vehicle trouble. Breakdown cover can also save you money by reducing the financial burden of unexpected towing or repair costs. Most importantly, it prioritises your safety by providing immediate help in potentially hazardous situations. It is a practical investment that helps you avoid inconvenience, financial strain, and safety risks.
What affects the price of breakdown cover?
The cost of breakdown cover in the UK can vary based on several factors. The level of coverage plays a significant role; more comprehensive policies are naturally more expensive. The type of vehicle you drive may also influence the premium, as some vehicles require specialised assistance.
Your location can impact pricing, as service providers may adjust costs depending on how accessible your area is.
Optional extras can also increase the cost of a policy. If you decide to add tyre or key replacement, misfuelling for if you accidentally put the wrong fuel into your vehicle, battery replacement, European breakdown cover or special vehicle cover if you tow a caravan or trailer, then you will typically pay more.
Whether you choose to pay annually or monthly can also affect the overall price, with annual payments often being more cost-effective.
Despite these variables, breakdown cover remains a relatively small investment compared to the potential expenses and inconveniences of a breakdown.
What's covered with breakdown cover?
- Covered
Breakdown cover typically includes a range of services and assistance to help you when your vehicle breaks down or experiences an immobilising issue while you’re on the road. They often cover:
Roadside assistance
Towing and recovery
Home start (home rescue)
Local recovery
National recovery
Onward travel (continental cover)
At-home cover (home assistance)
Flat tyre assistance
Battery jump-start
Fuel delivery
Locked out services
Alternative transportation
Emergency message relay
Medical assistance
It’s important to carefully review the terms and conditions of your specific breakdown cover policy to understand what is and isn’t covered, as coverage can vary between service providers and levels of coverage.
How to get a great deal on your breakdown cover
To secure a cost-effective breakdown cover policy, start by determining the level of coverage you need. Compare multiple policies to ensure you’re getting the best value for your needs. If you have multiple vehicles or family members who drive, consider a family or multi-vehicle policy for added savings. Whilst it may seem like an easy option, don’t auto-renew as you may miss out on cheaper policies from other providers. Opting for vehicle cover as opposed to personal cover may also offer you more value for money as you’ll be covered for all the vehicles you drive. Opting for a higher excess can also lower your premium, but make sure you’re comfortable with the additional cost if you need to make a claim.
FAQ
Need more help?
Do I need breakdown cover if I have car insurance?
While car insurance may cover certain aspects of a breakdown, such as accidents, it typically does not provide the same level of assistance as breakdown cover. Breakdown cover is specifically designed to address non-accident-related issues, like engine failures or flat tyres.
Is breakdown cover only for cars?
No, breakdown cover is available for a wide range of vehicles, including cars, motorcycles, vans, and even motorhomes. Some providers also offer specialised coverage for electric or hybrid vehicles.
Are there any restrictions on the age of the vehicle for breakdown cover?
Some providers may have age restrictions on the vehicles they cover, particularly for older vehicles. It’s essential to check with the provider for any age-related limitations.
How do I contact my breakdown service provider in case of a breakdown?
Your breakdown service provider will have a dedicated helpline or emergency contact number. Keep this number readily available in your vehicle and contact them in the event of a breakdown.
Can I choose my preferred garage for repairs?
Some breakdown cover policies allow you to choose the repair facility, while others may provide a list of approved garages. It’s advisable to clarify this with your provider.
Can I cancel my breakdown cover policy at any time?
Most breakdown cover policies allow you to cancel at any time, but there may be specific terms and conditions related to cancellations, so it’s important to review the policy details.
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