How To Find The Cheapest Breakdown Cover Services

Cheap Breakdown CoverWith the right breakdown cover, you’ll have the reassurance that if your car breaks down on the road at any time of the day or night, you won’t be stranded even if you’re far from home. However, you need to get cover that meets your needs. Essentially, there are two basic options: either become a member of a club or enrol for a per-claim plan.

There are numerous ways you can get breakdown cover. For example, you can get it as an add-on to your regular car insurance. Some insurance companies add a discounted breakdown cover as a perk. You can also get it as an extra when you open a bank account. For example, packaged bank accounts with Royal Bank of Scotland, Yorkshire Bank, and Barclays Bank come with breakdown cover. Additionally, you can get it when buying a new car, often as a free or discounted benefit for one or two years. However, if you need a wider range of breakdown services than offered by these packages, then you may want to look at getting cover from another provider.

Membership Plans

AA and RAC offer the membership option.

Here are five tips on how to get cheap breakdown cover:

  • Only pay for services that you need and will use.
  • Don’t just look at price but also what you get for your money.
  • Choose the level of service that is right for your budget and circumstances. Most packages graduate from basic to premium.
    Choose a basic package if all you need is emergency roadside assistance for mechanical repair, towing to the nearest garage, and onward transportation to your destination.

Alternatively, you may need something more advanced, like home start and protection for more than one vehicle. Although it may cost a little more a more, this advanced plan will be right for you if your car does not start in the mornings, may breakdown within a quarter mile from home, or your family uses several cars.

Pay And Claim Plans

Green Flag offers the per-claim option.

These are also known as pay-per-incident insurance. You basically pay for all the repair costs then present the receipts to the breakdown provider for reimbursement. This plan will generally save more money than the membership plan but it is not as convenient because you must have the money on hand when you have a breakdown and you must be organized enough to forward your claim. This plan will work if you have no fluctuations in your cash flow and can easily access a few hundred pounds in an emergency and if you are methodical about asking for a reimbursement.

However, this plan will only save you money if you have a relatively new car which seldom breaks down or if you drive in a small town or rural area and just need occasional roadside assistance or towing to a local garage. If you have an old car that frequently breaks down or live in a big, busy city, then you might be better off with the membership plan offered by providers like AA and RAC.

Personal or Vehicle Cover

There are two ways of getting cover: one is to insure yourself and the other is to insure your car. The first choice is called personal cover and the second is called vehicle cover. Again, there is no right choice, as it depends on your circumstances. If you often drive or travel in multiple vehicles, the personal cover will work for you. Alternatively, if you only drive in one vehicle, it makes sense to just cover it. This is the cheaper option.

European Breakdown Cover

If you plan on making numerous trips abroad a year, then this is an excellent choice. Alternatively, if you only plan on one vacation trip a year, it’s wiser to simply get single trip insurance.

Online Discounts Available

If you shop online for breakdown cover, you can get numerous quotes and make multiple comparisons between providers in a short period of time, allowing you to find a good deal quickly. For example, you can get breakdown cover from specialist providers like AA, RAC, and Green Flag; from traditional insurance companies like Aviva, Churchill, and Saga; or from supermarkets like Tesco.