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Why should I pay for breakdown cover?

If you regularly use your vehicle to travel long distances, it’s ideal that you are covered for any breakdowns to avoid travel delays and to get roadside assistance when required.

What are the different types of breakdown covers?

There are 2 different types of breakdown cover. We have listed them below -

  • Standard breakdown cover - as the name suggests, it’s one of the most convenient options for business travellers and regular commuters. Usually you are required to make an upfront annual payment and the cover includes all call out fees.
  • Pay and claim cover - is one of the cheaper breakdown cover options but you are required to make an upfront annual payment and you will have to pay the contracted breakdown company if you call them out. This cost will then be refunded back to you by your breakdown insurance company once you send the receipts.

What are the different types of breakdown cover levels

Breakdown cover levels may vary from one cover provider to the next. Some of the available options are -

  • Vehicle recovery cover
  • Home assistance cover
  • Roadside assistance cover
  • European breakdown cover
  • Onward travel cover

How can I find a cheaper breakdown cover?

Some of the ways in which you can get cheaper breakdown cover are -

  • Compare and shop around
  • Consider small breakdown cover providers
  • Avoid buying additional policies where applicable
  • Check if your back account provides you the cover you need
  • Buy it as an add-on service to your car insurance policy

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