Tips for buying breakdown cover

One of the most important things for breakdown cover is ensuring you purchase the right policy for you. Consider whether you are buying the policy for yourself and/or a partner/family or just your vehicle. Also think about what you use the car for. Do you just drive around your local town, all over the country’s motorway networks, or do you drive abroad?

When you have decided what type of breakdown cover policy you want then shop around. There are several benefits of doing this.

  • Firstly :

    You can decide on whether you will get the best deal/service if you buy breakdown cover along with your car insurance, or if you buy it from a sole provider.

  • Secondly :

    How you apply for your insurance and if you can get a special offer/discount if you say, apply online.

  • Thirdly :

    As with any type of insurance, check what deals are available to new customers. This doesn’t just apply to people buying Breakdown Cover for the first time either. Existing customers are within their rights not to renew every year, cancel their policy, and re-join as a new customer instead.

There are many different places you can buy Breakdown Cover from, with two of the biggest national organisations being the AA and RAC. These companies have had a reputation for providing breakdown cover for hundreds of years. Other providers include most of the main supermarkets, and insurance providers such as Green Flag.

If you want to shop around online, a comparison site may make the process a lot quicker and easier for you. Enter your details and requirements and they will search all registered providers to give you a quote. Sites such as Go Compare, Tesco Compare and Money Supermarket won’t feature all the main insurance providers, but they will give you a good indication of what’s around.

Last but by no means least before you hit the big BUY button, check all the terms and conditions carefully. If the policy includes any special offers, check the expiry date, and also check any promises or claims the insurer makes. This could include an estimated arrival time at the scene, with cash incentives if they fail to keep to it, and what they will do in each breakdown scenario. There can also be limits to the number of call-outs you are allowed with some services.

Be careful and consider all your options before signing on the proverbial dotted line. Only then will you find the right and most cost effective protection for you and your car.