How To Get The Best Breakdown Deal | moneyfacts.co.uk

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Derin Clark

Derin Clark

Online Reporter
Published: 26/05/2021

With the half term holidays coming up many families will be looking to take advantage of the easing of lockdown restrictions with a UK-based trip. Holidaying in the UK takes a lot of the hassle out of travelling and, instead of arranging flights and airport transfers, all holidaymakers simply need to pack up their car and drive to their destination.

To make holidaying in the UK even more stress-free, holidaymakers may want to consider getting breakdown cover, just in case the worse happens and they end up stranded by the side of the road. For those who are not yet covered, or who did not renew their cover during the pandemic, here are some tips on getting the best breakdown cover deal.

Choose the right type of breakdown cover

Normally, drivers have two different types of breakdown cover to choose from – personal cover and vehicle cover.

Personal cover will cover the insurance policy holder no matter what vehicle they are driving, and often when they are a passenger as well, as long as the type of vehicle is included in the policy. This can be a good option for those who often drive a vehicle that is not their own, for example their partner’s.

Vehicle cover just applies to a specific vehicle and is usually the cheaper option. This type of insurance is often a good choice for those who mainly drive their own vehicle.

Do you already have breakdown cover?

Before taking out breakdown cover, drivers should ensure that they do not already have cover. For example, some bank accounts offer breakdown cover as part of account’s incentive package. As well as this, new cars often come with breakdown cover for a limited time period such as two years.

For those that do not have breakdown cover already, the most common types of cover is third-part cover. Well-known companies such as the AA, RAC and Green Flag offer this type of cover which, for an annual fee, will attempt to fix the vehicle or, if it cannot be fixed, will tow it to a nearby garage.

Another type of breakdown cover is pay-and-claim, which also charges an annual fee but is often cheaper than third-party cover. Unlike third-party cover, drivers have to pay for the roadside repair or tow to a garage themselves and then claim the money back from the policy provider.

Choosing the right level cover

Just having breakdown cover does not mean that all breakdown scenarios are covered. Instead, the level of cover taken out will usually determine what type of assistance is available. Normally, the most basic type of cover is roadside assistance. Under this cover, a breakdown van will come and assist if a vehicle breaks down more than a quarter of a mile away from the cover holder’s home, although for some cover this is even further. If the vehicle cannot be repaired, it will be towed to a nearby garage.

The next level up is often home cover, which along with roadside assistance, will send a breakdown van if the vehicle breaks down, or cannot start, at the owner’s home. Often this type of cover is significantly more expensive than basic cover, and can be costly to upgrade, but research has shown that the majority of breakdowns happen at the vehicle owner’s home, so may be worthwhile taking out.

Some breakdown cover policies also have the option of national recovery, in which the driver and passengers of the broken-down vehicle will be towed to their destination of choice, or the closest garage to the destination.

Compare breakdown cover deals

Once a driver has decided what type of cover to get and the level of cover they need, they should compare the market to ensure that they get the best possible deal. Our breakdown cover page not only highlights the best deals currently available on the market but also allows drivers to easily compare options to help ensure that they get the best possible deal.

Disclaimer

Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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