When it comes to driving, breakdowns can happen to anyone, at any time, and it’s never a pleasant experience. Being stranded on the side of the road with a car that won’t start or has a flat tyre can be frustrating and potentially dangerous. This is where breakdown cover comes in, providing you with assistance when your vehicle breaks down. In this article, we’ll explore what breakdown cover is, how it works, and why you might want to consider it.

What is Breakdown Cover?

Breakdown cover is a service provided by insurance companies, motoring organisations, and independent providers to help you if your vehicle breaks down. If your car fails to start or experiences a mechanical or electrical fault, breakdown cover can provide you with assistance to get you moving again. The service usually includes roadside assistance, vehicle recovery, and repair or transportation to a garage.

How Does Breakdown Cover Work?

If you have breakdown cover and your car breaks down, you’ll need to call your provider’s helpline. They’ll ask you for your membership or policy number, your location, and details of your vehicle and its problem. Depending on the level of cover you have, they’ll dispatch a recovery vehicle or a roadside technician to your location. If the issue can’t be fixed on the spot, they’ll transport your car to a nearby garage or to a destination of your choice.

Do I Need Breakdown Cover?

While breakdown cover isn’t a legal requirement, it’s highly recommended. Breakdowns can happen at any time, and if you’re not covered, you could be left stranded with a hefty bill for recovery and repairs. It’s especially important if you rely on your car for work or have a long commute. Even if you have a new or reliable car, breakdowns can happen due to various reasons, including flat tires, dead batteries, or mechanical failures.

What are the Benefits of Breakdown Cover?

The primary benefit of breakdown cover is peace of mind. Knowing that you’re covered in case of a breakdown can give you confidence and reassurance while on the road. Other benefits include:

• Roadside assistance: A technician will come to your location and try to fix your car on the spot, providing you with a quick solution.
• Vehicle recovery: If your car can’t be fixed at the roadside, the breakdown provider will transport it to a nearby garage or your chosen destination.
• Alternative transportation: If your car can’t be repaired on the same day, the breakdown provider may provide you with a rental car or other forms of transportation to get you to your destination.
• European cover: If you plan to drive in Europe, some breakdown providers offer European cover, which provides you with assistance while on the continent.

How Much Does Breakdown Cover Cost?

The cost of breakdown cover varies depending on several factors, including the level of cover you choose, the age of your vehicle, and your location. Basic cover can cost as little as £20 per year, while more comprehensive cover can cost over £100 per year. It’s essential to choose a level of cover that suits your needs and budget.

How Can I Get Cheap Breakdown Cover?

If you’re looking for cheap breakdown cover, there are several ways to save money:

• Compare providers: Use comparison websites to compare breakdown cover options from different providers. Comparoo is a great resource to compare prices and features from the UK’s leading brands.
• Choose basic cover: If you have a reliable car or only use it occasionally, basic cover may be sufficient and more affordable.
• Pay annually: Paying for breakdown cover annually instead of monthly can save you money.
• Combine cover: Some providers offer discounts if you combine breakdown cover with other types of insurance, such as car or home insurance.

Should I Get Breakdown Cover with my Car Insurance Policy?

Many car insurance policies offer breakdown cover as an add-on. While this can be convenient, it’s not always the best option. The level of cover provided by your car insurance may not be as comprehensive as standalone breakdown cover, and you may end up paying more in the long run. It’s important to compare the cost and features of standalone breakdown cover and car insurance add-ons to determine which option is best for you.

READ: Car insurance guides

10 Frequently Asked Questions about Breakdown Cover

What’s the difference between basic and comprehensive breakdown cover?

Basic breakdown cover typically includes roadside assistance, recovery to a nearby garage, and limited callouts per year. Comprehensive cover includes additional benefits such as home start, alternative transportation, and cover for drivers and passengers.

Can I get breakdown cover for my motorcycle?

Yes, many breakdown providers offer cover for motorcycles. However, the cost and level of cover may differ from that for cars.

Can I get breakdown cover for my caravan or trailer?

Yes, some providers offer breakdown cover for caravans and trailers. This type of cover includes assistance for breakdowns and towing services.

Does breakdown cover include cover for flat tyres?

Yes, breakdown cover includes assistance for flat tyres. However, if you don’t have a spare tire or your tire can’t be repaired on the spot, the breakdown provider will transport your car to a nearby garage for repairs.

Does breakdown cover include cover for running out of fuel?

Yes, breakdown cover includes assistance if you run out of fuel. The breakdown provider will bring you enough fuel to get to the nearest petrol station.

Is breakdown cover only available in the UK?

No, many breakdown providers offer European cover, which provides you with assistance while driving in Europe.

Can I get breakdown cover for a rental car?

Yes, some providers offer breakdown cover for rental cars. However, it’s important to check the terms and conditions of your rental agreement and ensure that breakdown cover is not already included.

Can I get breakdown cover for a classic car?

Yes, some providers offer breakdown cover specifically for classic cars. This type of cover may include specialist repairs and recovery services.

Does breakdown cover include cover for accidents?

No, breakdown cover only provides assistance for mechanical and electrical faults. If you’re involved in an accident, you’ll need to contact your car insurance provider.

Can I add additional drivers to my breakdown cover policy?

Yes, some providers allow you to add additional drivers to your policy. However, this may incur an additional cost, and the level of cover may differ depending on the driver’s age and driving history.

In conclusion, breakdown cover can provide you with peace of mind and assistance when your car breaks down. It’s not a legal requirement, but it’s highly recommended, especially if you rely on your car for work or have a long commute. When choosing breakdown cover, it’s important to compare providers and levels of cover to ensure that you get the best value for your money. Whether you opt for standalone breakdown cover or a car insurance add-on, knowing that you’re covered in case of a breakdown can make all the difference.