Motor breakdown cover

breakdown cover and insurance

Breakdown cover is another form of insurance. Choosing the right policy for your needs is important, and there are several aspects you will need to take into consideration.

Firstly, decide whether you want to cover the vehicle or the person. Covering the vehicle means anyone driving it will be covered. Covering the person means you’re insured as the driver or passenger of any vehicle, and although it is typically more expensive than vehicle cover, it might be just the breakdown cover you need if you drive several vehicles.

Then decide which cover level is most suitable for your needs. These are usually shown like this:

Platinum

  • Fix at roadside
  • Recovery to garage
  • Recovery for passengers
  • Recovery to any UK destination
  • Fix at home
  • Onward travel (train ticket, hire car or accommodation)

Gold

  • As Platinum but without onward travel

Silver

  • Fix at roadside
  • Recovery to garage
  • Recovery for passengers
  • Recovery to any UK destination

Bronze

  • Try and fix problem at the roadside
  • Recovery to nearest garage only

This range of cover levels offers you the choice of very basic cover through to a very comprehensive service offering alternative transport or hotel accommodation. As ever think hard about what you actually need. It might sound great to be taken to your destination, but how often do you take a journey that needs such a service.

Think about your needs as the wouldn’t that be nice extras cost money, and probably twice the money.