Compare Emergency Breakdown Cover Quotes With The UK Market
Vehicle breakdowns can be a costly and time consuming problem; however having breakdown insurance in place can help you get going again in a quick and cost effective manner.
Car Breakdown Quotes
Compare 10 Breakdown Insurers
- Easy online form
- Choose level of cover: roadside assistance, vehicle recovery, home assistance, onward travel, plus extras
- Personal or Vehicle cover
- Instant quotes
- UK & European cover
Free Onward Travel for 12 months when you choose National Recovery
Free Onward Travel for 12 months when you choose National Recovery
Emergency Breakdown Cover
Getting stuck by the road in the cold due to a vehicle breakdown constitutes an emergency in many motorists’ view; therefore having a good level of emergency breakdown cover in place, to get you moving again could be a good idea.
Emergency breakdown cover
There are a number of providers of emergency breakdown cover, so it worth shopping around before you take out a policy to compare the market and find the best deal on the level of cover you desire, remember however that the cheapest option may not always be the best in addition to considering price you might also want to factor other things into your decision such as;
- Average response time
- Customer ratings
- Join up incentives
- Member benefits
- Number of free call-outs allowed a year
- Whether a provider offers their service nationwide
Personal or vehicle cover
A provider may offer you the choice of taking out either personal or vehicle cover, it’s important to understand what each means in order to make the best choice for your specific situation.
- Vehicle Cover: Essentially this covers a vehicle for breakdowns no matter who is driving it when one occurs, some providers will let you add additional vehicles onto the same policy for a discounted price.
- Personal Cover: This type of cover works on an individual basis, so the policy holder will be insured for vehicle breakdowns in any privately registered car. As such this level of cover is normally more expensive. Some providers allow joint or household policies which provides cover for multiple individuals who live at the same address.
Levels of cover
So you don’t need to pay extra on cover you do not want many providers let you purchase breakdown insurance at different levels of comprehensiveness so you can tailor your policy to your needs. The names and exact features of these levels of insurance will vary by provider but may include:
- Roadside cover: Usually the cheapest level offered by an insurer, providing you breakdown over a set distance from your home it will offer you set amount of time of free roadside labour from a mobile mechanic and if they cannot fix your vehicle there and then it will also include recovery to a nearby garage. The distance your vehicle has to be from your registered home address for your cover to be active varies by provider but is often either 0.25 of a mile or 1 mile.
- Home cover: This cover level usually includes all of the features of the roadside package, but means you will still be covered for breakdowns that happen near or at your home address.
- National Recovery: This type of cover means that if your car can’t be mended by the mechanic at the roadside then rather than just being towed to the nearest garage, you get the option of you, your vehicle and any passengers being taken to a single location of your choice anywhere in the UK.
- Onward Travel: This cover level can present you with more options to continue your journey if your vehicle cannot be readily repaired. This cover level can vary considerably between providers but it might mean your insurer offers you alternative transport costs, overnight accommodation somewhere near where your vehicle is being repaired or a hire car for a limited period of time.
- European Cover: provides breakdown cover if you are driving elsewhere in Europe than just the UK.
What does breakdown insurance for my car cover?
Although what each provider will cover you for varies in general they can help you with many other aspects than just a mechanical fault with your vehicle, for instance they could help if you lock your keys inside the car or if you run out of fuel on your journey.
Car breakdown cover plans come in different forms but generally provide a home option whereby if your car is within a certain mileage from your home the breakdown company will provide assistance.
- Roadside plans require normally that you are outside a certain distance from home and if the vehicle cannot be repaired then it will be towed to a garage within a certain distance.
- More comprehensive plans will provide additional services such as transporting you to your intended destination, putting you up for the night in accommodation if necessary, and car hire. It is important that you understand what your breakdown plan is covering you for so there are no unexpected surprises if your vehicle breaks down.
You will also find that to incite customers many breakdown insurance providers offer special discounts and incentives throughout the years, therefore you may want to view what offers are currently available from the different providers before you make your decision.
What are the different types of breakdown insurance?
Roadside plans require normally that you are outside a certain distance from home and if the vehicle cannot be repaired then it will be towed to a garage within a certain distance.
More comprehensive plans will provide additional services such as transporting you to your intended destination, putting you up for the night in accommodation if necessary, and car hire.
It is important that you understand what your breakdown plan is covering you for so there are no unexpected surprises if your vehicle breaks down.
What is roadside recovery insurance?
Car Breakdown Insurance Providers
Greenflag Offer
Save up to 40% off phone prices when you buy online breakdown cover
- From £25 pa (Rescue Level)*
- Add on Roadside & National Recovery
- European cover option also available