More Than breakdown cover
While More Thank breakdown cover is not currently available as a standalone product, there are still many options when it comes to breakdown cover. When looking for a policy something you may wish to consider include:
- Average response time
- How many call outs a year you are permitted
- Customer reviews
- Available 365 days of the 24 hours a day
- Provision of alternative transport
- Inclusion of home start cover
- Benefits for members such as discounts in various shops and other businesses
Personal or vehicle cover
You will find that many providers of breakdown insurance give you the choice of a personal or vehicle policy:
- Vehicle cover – With a vehicle breakdown insurance policy, you take out cover for a nominated vehicle. This means no matter who is driving the vehicle at the time of its breakdown (as long as they are legally permitted to do so) it will be covered by the breakdown policy. Some providers will let you take out cover for additional vehicles at a discounted cost.
- Personal cover – Personal cover works by insuring the actual driver, so whatever privately registered vehicle they are driving, or are a passenger in with some policies, they will be covered if it breaks down (some insurers may put restrictions on how old a vehicle can be to be covered or on certain types of vehicle). Some providers offer household policies which allow a policy to cover up to 4 named individuals who live at the same address break down cover.
Types of cover
Although each provider of breakdown insurance varies, many providers offer cover in different price bands, so that you can tailor your policy to fit your needs, which may include:
Often the most basic and cheapest level of cover offered by an insurer, usually offers you with free roadside labour for a set period of time, if your vehicle cannot be repaired at the roadside you will be recovered to a nearby garage.
The standard roadside package often states that you won’t be covered for breakdowns within a close distance, usually between a quarter or a mile and a mile, of your registered home address. A home assistance package will normally give you all the features of a roadside package as well as cover for breakdowns that happen close to your address or if your vehicle won’t start when leaving your registered address.
If your vehicle cannot be fixed at the roadside or within a certain time period at a nearby garage an onward policy travel means that your cover provider may be able to help you continue your journey, this could include the provision of; a hire car, alternative transport costs or a hotel room for the night.
If you’re planning on driving on the continent you may wish to consider a European breakdown cover policy which will cover you for locations outside of the UK within Europe.