It is a crucial decision to choose car breakdown coverage. Good coverage can make all the difference if you or your family are caught in bad weather or in remote locations. Will you be treated professionally and efficiently? Are you sure the person attending your breakdown knows what they are doing?
There are many types of car breakdown coverage available. These can be provided by insurance companies, motoring heritage organizations, and major retail brands. How do you choose the right type of car breakdown cover for you?
These are some fundamental questions you should ask:
1. Is the driver or the vehicle covered by the scheme?
A breakdown plan that only covers one vehicle can prove to be misleading, as many households have more than one car.
Even if your car is a single car, you will appreciate the breakdown coverage that covers you if you hire or borrow a car. You don’t need to notify your breakdown service if your car is damaged or stolen.
2. Can I protect my spouse or my family?
You don’t need to have more than one policy for breakdown coverage when you can get one policy that covers you and your spouse. You can also cover your entire family. Many breakdown companies offer multiple driver and vehicle coverage. However, it is more likely that you will get better coverage for drivers than your vehicles.
3. What happens to my vehicle if it stops working?
In stressful situations, a professional, prompt and helpful call center can make all the differences. They should collect your information and send a qualified mechanic to you as soon as possible.
4. What happens if the problem can’t be fixed
This is the right time to review your recovery coverage. Your recovery policy may state that your vehicle cannot be town to a garage or your home, unless you have permission to do so. (The distance will be clearly stated in your coverage).
You can still request a recovery to any location with the more comprehensive plans, regardless of where it is.
5. Is it available at your house as well as on the roadside?
Many breakdowns occur outside of motorists’ homes, often in the middle of winter when it is cold and you have to get to work or pick up your children from school. Because this area is high-risk for breakdowns many low-cost services do not cover breakdowns beyond a certain distance.
6. What happens to me, my passengers and my car if it breaks down?
You have many options in various breakdown packages. You will usually have the choice of being taken home, or to a local hotel. You can also be taken to your destination with more comprehensive options.
7. Do you cover accommodation?
You may wish to make sure that your breakdown and/or recovery coverage covers you and your passengers for accommodation in case you are stranded.
8. How can I tell if your people are good at breakdown?
Let’s face the facts, not every advertiser or owner of a website can make the same claim. It is important to learn about real-life experiences.
Is the breakdown service provider a winner of any industry awards? The customer’s or reader’s awards are more valuable than reviews from journalists or industry awards.
9. Is it worth spending a little more?
It all depends on how valuable your time is. You will be able to get to your breakdown service faster and more quickly.
You can get your family’s car covered by your preferred provider by paying a little more for a highly-reviewed service.
10. What types of vehicles are you able to cover?
You can drive your car 100% of the day, so almost every breakdown policy will provide you with the basic coverage you need. What about your caravan, motorbike, or small van?
You don’t need to pay an extra for cover for other types of vehicles.