Breakdown CoverBreakdown Services » Breakdown Cover Breakdown Cover Blog Thu, 30 Jun 2011 11:53:59 +0000 en hourly 1 Home Call Out Breakdown Assistance Mon, 19 Jul 2010 14:31:26 +0000 admin

Home Start Breakdown CoverSince you need to have a car to go to work, pick up your children from school, and go shopping, among many other things, you have to make sure that you have breakdown insurance. Moreover, you also have to ensure that you have the right breakdown insurance, one that is affordable, reliable, and covers all possible problems.

How Standard Breakdown Services Work

If you get a basic breakdown service, the provider will stipulate assistance only within a certain distance away from your house and if the breakdown happens either at your home or near your home, you will be charged an additional fee.

The Home Start Option

It may cost you a substantial amount if you need a car mechanic to come to your home to get on the road. This is why it is always a good idea to have a policy that includes an option for home start. The extent of coverage will vary from one provider to the next and you must understand exactly what is and what is not covered in your policy. Sometimes, for example, even if you do have coverage for a breakdown at or near your home, you may be limited in the number of call outs you can make from your home each year.

How To Find The Best Breakdown Service

The best way to decide on the best breakdown coverage is to compare various solutions, including solutions that offer home start coverage.

On your behalf, we have researched the leading breakdown service providers, and our website can help you quickly compare various providers. Moreover, you can do all of this research online from the comfort and privacy of your home. The best way to find a policy that suits your budget and fits in with your unique circumstances is to compare the difference between providers.

How The Home Start Option Works

Getting a policy that assists you with vehicle breakdowns at home comes with all the features associated with regular roadside assistance. You can get help at any time of the day or night for every day of the year. If your car, for instance, fails to start in the morning, you can get breakdown assistance to come out to your home. While the patrol works on fixing the problem, you can enjoy drinking a cup of tea

Usually, unless there is a serious problem with your car, these skilled mechanics are able to get you on the road. In about 85 percent of the time, they are able to get a car fixed and running again.

If the problem is too severe for quick repair—if, perhaps, the transmission has collapsed—then the patrol will not abandon your car on your driveway but will offer to tow it to the closest approved garage. In some cases, a provider will tow the car to a garage you choose provided it is near your home. As an added service, the breakdown mechanic will explain the car problems to the people at the garage.

Overall, the home start option will provide recovery if something goes wrong with your car at home or if you are still close to home. A car problem can be resolved simply by picking up the telephone and dialling for breakdown service.

How To Purchase Home Start Coverage

Usually this type of coverage does not come separate from standard breakdown coverage. This leaves you with two options: you can either buy a standard package that includes home start assistance or you can upgrade your existing policy to include home start.

The main benefit of adding the home start option to an emergency roadside plan is that it will give you comprehensive coverage. Since a breakdown is usually unpredictable, you will have covered all possibilities and will not be inconvenienced by additional fees should your car need to be fixed when you are at home or near your home.

Regardless of where you are in the UK, close or far from home, emergency 24/7 roadside assistance will be available to help you resolve car problems.

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How To Find The Cheapest Breakdown Cover Services Fri, 02 Jul 2010 13:35:41 +0000 admin

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.

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A Guide To Personal Breakdown Cover Sat, 19 Jun 2010 18:12:13 +0000 admin

Personal Breakdown CoverWhile most people think of protection from breakdowns as getting cover for a vehicle, there is an alternative called personal breakdown cover.

This type of policy covers you rather than the vehicle. Although it costs more, it offers more advantages than policies that cover only a single vehicle. Since this policy covers you, rather than the vehicle, this means that any vehicle you drive is covered.

Since you may drive more than one car, this can be highly advantageous. However, personal cover is more expensive compared to vehicle cover, but it may be well worth the money you spend. You will get what you pay for.

This vehicle is right for you if you drive more than one vehicle. For example you may drive a personal vehicle and a company-owned vehicle; your family may own several vehicles; or your company may provide you with a choice of several vehicles. So, regardless of what vehicle you drive, you will be covered since you, rather than your vehicle, are insured.

Another Personal Cover Option

Some policies cover you even if you are not driving the vehicle. If the vehicle is driven by a colleague, friend, or family member and you are travelling in it as a passenger, the vehicle is covered if a breakdown occurs. This is a great option for those who frequently travel in a variety of different vehicles.

Finding The Best Personal Breakdown Deal

Since this plan is more expensive than vehicle cover, you have to make sure you find a provider who offers the
best deal. The way to research the best deal is to compare the offers made by different companies. In the long run, it’s definitely worth taking the time to make these comparisons.

On this website, most of the research has been done for you on finding the best providers for personal cover.

Here you can compare quotes from different leading companies and choose the one you consider has the best deal for personal breakdown cover.

Some policies will cover you if you are the driver while others will cover you whether you are a driver or a passenger.

Deciding On Whether You Need Personal Breakdown Cover

This policy is advantageous and worth the higher cost over vehicle cover if you frequently drive or are a passenger in several vehicles. It is also advantageous if your car is more than 10 years old, as personal cover will then be cheaper than vehicle cover. However, if other people regularly drive your car, than it is much better to cover the car against the possibility of a breakdown.

Choosing the Right Package
There is a range of prices and services. A basic package will give you roadside assistance and towing to your home or a garage of your choice, but you will have to pay for the labour and parts of the repair. Alternatively, other packages will give you comprehensive service, covering repairs, call outs from or near your home, and even breakdowns if you go abroad.

Different policies will give you different services. You have to decide which ones give you the most value for your money and before signing up, read the small print.

Payment Options
There are also many options when it comes to payment. The traditional choice is to pay a monthly premium. You can also pay per claim. This may be a better choice if the cars you drive are new and reliable, but you will need to have the money available to pay for this right away.

Deciding On The Best Provider And Cover
Ultimately the best plan is one that meets your needs, and you can only decide on the right plan by figuring out
your needs and matching these with a reputable provider. The main thing to conserve expenses is to avoid paying for additional services that you may never use.

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