Not everyone needs breakdown insurance. If you are retired, rarely travel by motor vehicle or perhaps even have your supplies delivered to your house, breakdown insurance is probably a non-essential expense. At the most, you might take out a trip specific policy if you decide to go on a motor vacation. Not very many people fit this description, however.
People Who Need Breakdown Insurance
If you travel to work, to school or for recreation, you might want to invest in breakdown insurance. Such coverage ensures that if your vehicle stops functioning, you are not stuck by the roadside – you have someone whom you can call. Furthermore, you know that the someone on the other end of the line will be reliable, will speak your language, and will be motivated to give you the help that you need.
What’s Included in Breakdown Insurance
Quick, reliable service from a certified mechanic is the primary benefit derived from breakdown insurance. If the solution is something simple, such as a jumpstart or retrieving your keys if they’ve been locked inside your vehicle, you are probably covered. If parts or supplies such as a can of gasoline, oil, a tire or some other replacement part are required, you will probably be expected to pay for them.
Are All Cars Covered?
Most cars and even motorbikes can be covered for roadside assistance but check your policy carefully. Some policies limit the age of the vehicle, while others might put a cap on the number of times you can receive assistance. Also, you might be called upon to prove that your vehicle is roadworthy at the time you take out the policy. Some types of breakdown insurance will also assist with high-dollar repairs. In order to get this last sort of breakdown insurance, however, you usually have to apply for it while your nearly new vehicle is still under warranty.
Coverage for Older Cars
You can sometimes get coverage for your older car, but you must be able to show that it is in good repair. Classic cars can easily be covered, again if they are in good repair. But you are unlikely to be able to get the sort of breakdown insurance that pays for parts; only the kind that covers get that certified mechanic to you. That can be worthwhile if you have a vehicle that you don’t want just anybody working on.
New Car Cover
A new is less likely to require roadside assistance, especially if you get the kind of vehicle that talks to you about things like being low on petrol, needing to inflate your tires and whether it is time to get your next oil change. But even the newest vehicles are mechanical, and mechanical things can develop glitches, often at the least convenient times. Breakdown insurance on your new car helps to protect your investment.
Before embarking on a vacation, be sure that your breakdown insurance includes options for the locations along your planned travel route, especially if you plan to drive through several countries in Europe. Your insurance agent will be able to help you plan your travel itinerary and ensure that you are in touch with the service personnel specific to the areas through which you will travel. Even if you don’t normally have breakdown insurance as part of your policy, you can purchase trip-specific coverage.
You Aren’t Required to Have Breakdown Insurance
Breakdown insurance is not required for any vehicle. But unless you are a reclusive retiree, it can give you peace of mind for your travels, whether it is across the UK, or just across town.