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Breakdown Cover

By: Mark Bartley

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Breakdown cover is now standard with practically every car insurance policy. This can add a considerable amount to your overall premiums, but forgoing this option could prove to be much more expensive in the event of a breakdown. Most breakdown cover costs between £30 and £50 a year. But when you compare that to the cost of getting towed off the motorway, it's a small price to pay not only for roadside assistance, but also for peace of mind too.

The AA charges £192 plus £1 per mile over 50 miles to recover a vehicle. Being towed off the motorway can cost you even more. When you add in the cost of overnight stays, garage bills and the possible expense of a cancelled trip, that £30 breakdown cover suddenly seems like a much more attractive option. Some people try to save money by buying independent breakdown cover from one of the major providers such as the AA or the RAC. But by using a comparison website, you may find that an additional premium on your car insurance may work out cheaper than a standalone breakdown policy.

The most important cover you need on your breakdown policy are recovery and roadside repair options. This means that in the event of a breakdown, your car will be transported back to your home address or any destination you ask the carrier to take you to. It can also ensure that your car is delivered to a garage for repairs and that you are given accommodation or a courtesy car to continue your journey. Other things to look for are options such as windscreen cover. A single stone thrown up from another vehicle's tyres can shatter a windscreen. Replacing a windscreen, particularly if your car has the latest panoramic windscreens, can be extremely expensive. Although you will probably have to pay a certain amount of the cost as excess, windscreen cover can save you hundreds of pounds in the event of an incident.

According to insurance company Esure, a third of drivers in the UK do not have breakdown cover. Of this figure, they also reported that more than half would call a friend or relative in the event of a breakdown on a motorway. 13% would attempt a DIY repair at the side of the motorway. Considering the extreme risk of roadside repairs on the side of a motorway where traffic is travelling at such high speeds, this is obviously not a situation that any organisation condones. Without the benefit of specialist lighting, high visibility clothing or the correct equipment, roadside repairs on the side of a motorway put lives at extreme risk. The motorway is not the place to try fixing it yourself, which is why breakdown cover is so important if you do a lot of motorway driving.

On-board computers are now far more important to the running of modern cars than older vehicles. So even experienced mechanics will not have the right equipment in the boot of their car to fix even some minor problems. Roadside recovery services do have the correct equipment, and if they don't then they will be able to transport you to a garage that does. Unless it's a simple job such as a flat tyre, it is always best to call for assistance.

Taking all aspects and possible scenarios into consideration, breakdown cover is not an unnecessary expense. Should the worst happen, having breakdown cover gives you the peace of mind that help is on the way. By using a comparison website to compare the options presented by providers, you can make an informed decision as to which policy suits your motoring requirements and gives you the best coverage. Clicking on the yes button for breakdown cover should be standard practice for anyone who wants to enjoy driving without the worry of what might happen if things go wrong.

Article Source: http://depositarticles.com/

Similar reviews by Mark Bartley are aimed at helping consumers understand products like breakdown insurance and other consumer insurances. They can help people make the right choices and track down good value.

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