If you have decided to get a breakdown cover policy because you don’t want to be without roadside assistance, it is important to find the right provider. With all of the different providers you will have to choose from, it is important to look into your options. There are a few key things that you must consider before settling on a certain company to get one of these policies from.
The overall reputation of the provider you choose is definitely something to keep in mind. You only want to get a policy from a company that is highly reputable. Take some time to go online and look up reviews for different breakdown cover providers so you can find out what their customers have to say about them. This research should help you to make the best possible choice.
Types of Breakdown Cover Offered
There are generally two types of breakdown cover that a provider offers—Standard cover and Pay-Per-Claim cover. It is important to understand the differences between these two types before making a decision.
Standard breakdown cover involves paying a monthly or annual upfront fee for all callouts you make in a given year. You won’t be charged for individual callouts, so it is definitely the most convenient option.
Pay-per-claim cover is another option you will want to consider. This involves a smaller upfront fee, and the cover contracts the recovery services out to local businesses. You will have to pay for each individual claim out-of-pocket, but you will be reimbursed after filing a claim with the provider. This option isn’t quite so convenient, but it is a good one for those who don’t drive a lot.
You should keep in mind that each breakdown cover provider will charge something different for their policies. The overall amount you pay will also depend on the amount of cover you require. Some people opt for the most basic roadside assistance, while others choose to get some extra cover for one reason or another.
The best way for you to save money on a breakdown cover policy is to spend some time shopping around and getting quotes. Once you have gotten quotes from some of these businesses, you can compare them to get the best deal. Just make certain that you are comparing the exact same cover policies so you can make the right choice.
If you need to get breakdown cover for your entire family, you should find a provider that can help you save money with a family plan. You also have the option of getting personal cover, which will provide you with roadside assistance services no matter which vehicle you drive.
Levels of Cover
When you are comparing the different breakdown cover providers, you need to know which levels of cover each one offers.
Roadside assistance is a fairly standard feature of any breakdown cover policy, and it can be of great help if you are ever stranded with your vehicle on the side of the road. Make sure that you find out what kind of limit each provider has when it comes to how far you can get your vehicle towed. Most of these businesses won’t cover tows over 10 miles from the breakdown site on a basic policy.
National recovery is another option that you should take the time to look into. This level of cover will allow you to get your vehicle taken to wherever you want in the whole of the UK. You will also get transportation for you and any passengers in the car. This option definitely costs more, but it could be well worth the additional expense.
Find out if each provider offers onward travel as well. This option will provide you with either a car hire or overnight stay in a hotel if your vehicle breaks down.
Every breakdown cover provider will have certain limitations on their policies that you should know about. For example, there is usually a weight limit for vehicles. Make sure that you know what all of these limitations and exceptions are before you decide to go with a certain provider.
Commercial Breakdown Cover
If you happen to need breakdown cover/roadside assistance for your business, you should look for a provider that specializes in this type of cover. Any business that has a fleet of vehicles can certainly benefit from having access to these services 24/7. It is important that you make an effort to select the right provider though. You need to know that the money you spend on your policy isn’t simply going to waste. A reliable provider can help you out when one of your vehicles breaks down on the road. These days lots of businesses in the UK are taking advantage of these policies.