Swinton Breakdown Insurance

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Swinton Breakdown Insurance

Don’t get stranded on the side of the road – With Swinton breakdown insurance you can choose a package to suit your requirements. Depending on which level of cover you choose, benefits of choosing Swinton breakdown insurance include:

• Emergency helpline – 24 hours a day, 365 days a year
• Under 45 minutes average response time
• Five different levels of cover to suit your requirements and your budget
• Priority for vulnerable drivers
• No minimum contract
• Cover yourself or your vehicle only
• National network of 3500 mechanics and 350 garages
• Cover for cars over 11 years old for an additional fee
• Up to 4 callouts each 12 month period

Before you take out breakdown cover

You will find there are a variety of different providers of breakdown insurance, and each will have its own options. The packages offered by different providers often share some common features however, so before you take out a policy it’s worth shopping around and deciding exactly how comprehensive of a policy you want.

Common package level features might include:

• Roadside assistance: often the most minimal and cheapest level of package available from a provider. It essentially offers you a certain amount of time worth of free labour at the roadside and if the vehicle cannot be fixed there a tow to a nearby garage.
• Home Assistance: With many basic roadside assistance policies if your car won’t start when you’re leaving home in the morning or if you breakdown within a certain proximity to your registered home address (usually between a quarter of a mile and a mile radius) you do not have cover. For these instances you would need a package that featured home assistance.
• Onward Travel: If your car cannot be repaired at the roadside but you want to continue driving then an onward travel package might be able to help. Some packages offer you with payment for a hire car or to put you up in accommodation overnight while your vehicle is being repaired.
• European Cover: Most UK breakdown insurance policies to not offer you cover for driving elsewhere in Europe. For this you would need a European cover policy. European cover will typically grant you access to English speaking representatives who can help arrange for a mobile repair mechanic to come to your aide. Some policies even offer cover for things such as repatriation of your vehicle.

Personal or vehicle cover

Many providers will give you the choice of covering a named vehicle for breakdowns or for an additional fee will cover an individual (or with some policies a household of up to 4) against breakdowns. This usually means if they are the driver or a passenger of any privately registered vehicle they will be covered for a breakdown in it. Restrictions will vary by policy for personal cover.