Breakdown cover is an additional that sometimes comes with your insurance (check add-ons), sometimes comes complimentary with your bank account but more likely you purchase it as well as insurance as an additional cover.
Picture this, you’re on a very quiet back road in the middle of nowhere and you break down, what you do not what to do is be stuck there for days because you haven’t bought breakdown cover, ideally you want to be able to call up someone in a hi-vis jacket to fix your car at the roadside (if it’s not too badly broken). Breakdown cover gives you peace of mind that if this does happen, you have some back up.
Typically there are five features that breakdown cover can have:
Roadside recovery – typically provides help in getting your car restarted at the roadside and transporting you and your car to the nearest garage if necessary.
Vehicle recovery – includes all the benefits of the first feature, plus extras to ensure you and your car are returned to your home or your intended destination.
Home assistance/home start – a popular though more expensive breakdown option restarts your car within a quarter of a mile of your home.
Onward travel – this option ensures you’re not inconvenienced by providing a replacement car or covering public transport costs and accommodation while your car is being fixed.
European breakdown cover – if you break down abroad then towing, repair, accommodation and repatriation could be covered.
Make sure you have a safety breakdown kit in your car for emergencies, and always find a safe spot to stop before calling for back up. For the ultimate check list, click here.