Does your car insurance cover you if you breakdown? Do you even know what breakdown cover is? Below, we’ve compiled a short guide to breakdown cover that will tell you everything you need to know about it:
What is breakdown cover?
Essentially, it’s a type of insurance that covers you if your vehicle breaks down. So, if you’re stranded on the side of a road because of a punctured tyre or dead battery, then your breakdown cover sends out personal assistance to help you get home.
Why is breakdown cover important?
Car breakdown cover is essential as it means you get help when you need it the most. Without it, you may be stranded for hours on end before someone helps you out. If your car breaks down, you know you can call your insurance provider, and they’ll send an expert out to help you as soon as possible. Most of the time, you don’t actually pay for the roadside assistance as well.
How much does it cost?
This depends on the type of breakdown cover; vehicle or personal. Vehicle is cheaper and averages around £37.60 a year, but this only covers one specific vehicle. Personal costs around £54.33 but covers you. As such, you can still make a claim when you’re a passenger or driving a different car.
Can you get breakdown cover for a week?
Most people add breakdown cover to their annual insurance policy, but you can get temporary cover as well. Short-term options are available, meaning you can be covered for a week or a day. This is useful if you’re renting a car and want to temporarily get breakdown cover on it.
Hopefully, this explains things in more detail for you to understand. Car breakdown cover is handy, and it’s relatively cheap as well. It’s well worth considering, and you may well regret not having it if you ever breakdown.