Importance of car breakdown insurance – find out whether you really need it and what can be included in your cover.
Related Automotive Insurance Articles
Tow to the nearest garage If the recovery service can't repair your car at the roadside within a reasonable time (some providers have limits, i.e. 1 hour), they will take you and your car to the nearest garage or often to an alternative local destination (provided it is no further).
The above two options are usually offered as a very basic package. It is possible to find a cover like this for as little as L25-L30 per annum.
Breakdown assistance at home The recovery service will help you when you have broken down at home. If a prompt repair cannot be arranged, you and your car will be taken to a garage.
Tow to any destination in the UK If the recovery service can't repair your car at the roadside within a reasonable time, they will transport you, any passengers and your car to any mainland UK destination of your choice.
Onward travel The type of service depends on the provider, but generally the recovery service offers a replacement car for a few days whilst your vehicle is being repaired. They may provide overnight accommodation or onward travel by train, plane, taxi etc..
European Cover If you are unlucky enough to break down abroad, the breakdown service will arrange for your car to be fixed at the roadside or towed to the nearest garage and for vehicle recovery to the UK. Additionally, your cover may include emergency car hire and accommodation.
European cover is absolutely necessary when travelling abroad. Unexpected breakdown event damages your holiday plans, causes delays and can be very expensive – cost of car repatriation from the French Alps to the UK could cost up to L2,000. European cover can be purchased separately and for the period of your trip only.
The best breakdown policies include obviously all options. It is worthwhile to shop around as you may get good cover for a reasonable price. You can visit for example www.SimpleBreakdownCover.co.uk to get a quick quote. This is a price-check website and they compare both UK and European breakdown covers.
More articles from this pro: http://www.ArticlePros.com/author.php?Seath T. Beagan
More on Automotive
and
Automotive Insurance can be found here.
| 