Many drivers see breakdown coverage for their cars as a must-have rather than just a luxury. This service ensures help is available whenever they have a car trouble, whether they’re on the road or close to home. Without this coverage, they might have to pay a recovery firm out of pocket to tow their vehicle, potentially costing around £100 per hour plus £1 per mile, not including repair fees at local workshops. Plus, depending on where and when it happens, getting your car fixed might be difficult.
Fixing your car on your own can be quite tough. While some people are good with car repairs, most of us aren’t. Modern cars often need special tools and diagnostic equipment. Trying to work on your car without safety measures like flashing lights, safety signs, and high-visibility clothing can be risky, especially on busy motorways or roads with poor visibility, where accidents can easily occur.
That’s why having breakdown coverage is so important. It ensures professional help is available to fix your car and get you back on the road if it breaks down. Here are a few things drivers should think about when getting breakdown coverage.
Just like other financial products, paying annually instead of monthly usually saves money. Monthly payments often include extra charges since they are more like buying on credit. Paying for coverage annually not only saves money but also gives peace of mind that help will be there if you need it.
One breakdown can cost more than a year’s worth of coverage, but you can still save money. The best way is to research and compare not just prices but also the services and coverage they offer. You can buy breakdown coverage separately, or it might be cheaper to add it to your car insurance.
Make sure you get the right level of coverage. Some policies offer roadside assistance only, while others include both roadside assistance and recovery. Check if your coverage is tied to a specific vehicle or if it covers the driver. Some policies also include overseas coverage, usually through a partner company in the destination country.