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Breakdown Cover

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What is Breakdown Cover?

Most standard Breakdown Cover policies will offer roadside recovery and roadside rescue as an entry-level standard of service.
Such cover will provide assistance to motorists who have broken down and are unable to continue their journey.

Who is Breakdown Cover suitable for?

Breakdown Cover could be a sound investment for anyone who regularly travels by a motorised vehicle. It may prove particularly suitable for people who own older vehicles, for those who regularly drive at night or in remote areas, for families, and for business travelers or commuters.

What can Breakdown Cover include?

Breakdown companies often have their own definitions for the different cover levels and services they provide, some of the main options can include:

Roadside Assistance

If you break down away from home, then your breakdown company should send somebody to try to fix the problem at the roadside.
If your vehicle can’t be fixed it will be towed (or recovered) to the nearest garage or your home, normally whichever is closer.

Vehicle Recovery

If the vehicle can’t be repaired at the roadside it will be recovered along with its passengers.
Some policies will transport the car to a local garage, others will arrange for its transportation to a garage of your choice or your home.

Home Assistance

Home assistance provides cover in the event of your vehicle breaking down at your home address or within a set distance of it.

Onward Travel

Depending on the policy, Onward Travel Cover may include car hire or alternative transportation to your chosen destination or home address, or accommodation while your vehicle is being repaired.

European Cover

This can be as a stand-alone policy or as an add-on to a standard policy. If you plan on taking your car to the continent then European Breakdown Cover could be a sound investment.
With European breakdown cover you should expect to deal with English-speaking representatives and the recovery process should be quicker and less stressful.
Need help or have any questions? Our local & expert Insurance Advisors are on hand to help! Contact us here.