If you are interested in getting breakdown cover for you vehicle, it is important that you know exactly what to get. Everyone’s needs are different when it comes to this type of cover, and you need to know what your options are. Breakdown cover can be extremely helpful in a number of situations, but there are different levels to choose from.
Levels of Breakdown Cover
The following is a list of the most common levels of breakdown cover that you’ll have to choose from. Each level has something different to offer, so you’ll need to weigh your options carefully.
This level of breakdown cover is the most basic and affordable. It will allow you to get your vehicle towed if it ever breaks down. Your vehicle will be taken to a local garage so you can get whatever is wrong with it fixed. Those who ever find themselves in this type of situation will definitely be glad they have this level of cover.
Breakdown recovery will allow you to get your vehicle towed anywhere in the UK if it stops working while you are driving. You and your passengers will also be given a ride to a location of your choosing. This particular level of cover is a good idea because you won’t be limited to the nearest garage.
This option can provide you with care hire or reimbursement for public transport expenses if your car stops working before you leave home. Plenty of people know the feeling of going to their car in the morning only to find that it won’t start. If you ever encounter this problem, having home start cover will minimize your frustration and inconvenience.
You will have the option to add additional levels of cover to your insurance policy, and they are worth taking a look at before making a decision.
European cover will provide you with access to recovery services even when you are outside of the UK. If your car were to break down while you are travelling in another country in Europe, this cover can be of great use. You can choose to get European cover for a single trip for a nominal onetime fee. It is crucial that you take a close look at the fine print so you understand all of the terms and conditions before agreeing to anything.
Key cover is another add-on option that can be of great use if you ever lose your keys or they are stolen. You can utilize this cover to get new car keys and replacement locks. If you have an alarm on the car, it will be reset. There is a yearly limit to these claims, but it can definitely be useful.
You can also opt to get cover for repairs that are needed after your vehicle breaks down. This option is significantly cheaper than an aftermarket warranty, and it can save you a lot of money over time. It is important to keep in mind that this cover only applies to repair work that is required following a breakdown.
Sometimes it is a lot cheaper to get a policy that includes you and your family members instead of just yourself. While you always have the option of adding someone else later on, you will have to pay a fee for each person. It doesn’t cost that much more to cover a family, and it is well worth the additional expense.
You will find that there are certain things that even breakdown cover will not help you with, and you’ll need to know what they are. Most policies will not cover breakdowns that are the result of putting the wrong type of fuel in your car. There are policies that can provide you with cover for this, but you will almost certainly end up paying more.
Some providers place a limit on the number of times that you can request a callout within a year, so you will need to check with yours ahead of time. You might be rewarded in some way if you don’t make any callouts at all. It’s always a good idea to ask your provider if you are entitled to any discounts when renewal time comes around. Most of these companies are willing to go out of their way to help good customers in the spirit of keeping their business away from the competition.
When you are looking for the right breakdown cover to match your needs, it is important that you know about the levels of cover that are offered. Those who take the time to get this information will be able to select the best overall policy. This cover can be of great help in many situations, but you’ll need to make an informed decision.