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Breakdown cover is essential – the last thing you want on a weekend getaway is to be stuck at the roadside with a car full of kids. If you’re not careful it can be super expensive to break down without insurance, and you could be left with a hefty bill if you get caught out. We’ve found some really cheap offers and some well-priced policies with good cover, so now there’s no excuse to not get covered!
There are lots of reasons why your vehicle might break down and some of the most common – like a flat battery, an electrical fault, a punctured tyre or even engine trouble – can usually be easily solved at the roadside by breakdown service providers.
If you travel by car, van or motorbike regularly, it’s worthwhile having a policy with a reputable breakdown recovery service. Just make sure you shop around to get the best value for money.
The Home Office statutory charge to recover any vehicle from the public highway in the event of breakdown or accident is from £150 in England, Wales and Scotland (plus £20 per day storage) for a vehicle weighing less than 3.5 tonnes. This could cost even more if you arrange for your own recovery.
The first important decision to make is how keen you are to save money and how much of a risk you are prepared to take. Breakdown insurance is a way of reducing the risk of being stranded whilst facing large recovery bills. The extensive range of breakdown cover available can be separated into two categories.
Your own personal circumstances will also help determine the type of cover that best suits your needs. This can include the age of you and your car, your annual mileage and whether you wish to include extras such as repair cover, nationwide recovery or European breakdown cover.
As with all insurance policies it is vital to read and understand the full terms of any agreement, before you pay the premium.
Traditional motoring clubs such as the AA and the RAC provide automatic comprehensive breakdown cover but you need to decide whether you need personal or vehicle cover. Do several people in your family drive the same car? Do you drive or ride as a passenger in several different cars? Basic roadside assistance packages are usually based on one of the following types of cover:
Cost options increase your level of cover over a basic package, providing peace of mind and allowing you to tailor your required policy. The number and type of options you choose will determine the cost of your premium.
Most breakdown recovery websites provide helpline telephone numbers. Call and tell them if the information on screen is too confusing.
Dig out your car insurance policy and check for any breakdown cover included in your insurance premium, there is no need to pay for breakdown cover twice! Favourable prices can also be found when you buy breakdown cover through your insurers.
Also check your bank account. We found Lloyds TSB provide AA breakdown cover on Silver, Gold, Platinum and Premium accounts. Also, Natwest customers with Select Platinum accounts receive breakdown cover.