Breakdown Insurance
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What is Breakdown Cover?
Breakdown cover offers peace of mind by ensuring you receive assistance if your vehicle stops working unexpectedly. Whether you drive a car, van, or motorbike, breakdown cover provides professional roadside assistance or a tow to a nearby repair garage. Im Insured helps you find the best quotes, ensuring you're covered no matter what happens.
UK-based experts can help explain how it all works
How Does Breakdown Cover Work?
Breakdown cover typically lasts for 12 months and functions similarly to an insurance policy. When choosing your cover, you'll decide on the level of coverage you need and any optional extras. From basic roadside assistance to comprehensive home start, breakdown cover ensures you're never left stranded.
Types of Breakdown Cover
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Personal Cover:
Protects you as a driver, no matter which vehicle you're in, as long as it meets your policy conditions. -
Vehicle Cover:
Covers a specific car, van, or motorbike, ensuring any driver has access to breakdown services.
What is the Best Breakdown Cover?
The best breakdown cover varies based on individual needs and budgets. While it's tempting to choose the cheapest option, it’s crucial to balance cost with the level of coverage you require. By comparing multiple providers, Im Insured helps you find the best breakdown cover that suits your needs.
What Does Breakdown Cover Include?
Breakdown cover offers 24/7 assistance, 365 days a year, with different levels of service:
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Home Start:
Assistance if your vehicle won’t start at home. -
Roadside Assistance:
The most common and affordable option, providing help if you break down on the road. -
European Cover:
Extends your breakdown cover to include driving in Europe. -
Onward Travel:
Ensures you can continue your journey even if your vehicle can't be fixed immediately. -
National Recovery:
Includes roadside assistance and towing your vehicle to any location in the UK if it can’t be repaired on the spot.
How Much Does Breakdown Cover Cost?
The cost of breakdown cover depends on several factors:
Level of Coverage
Basic roadside assistance is typically the cheapest, while comprehensive plans like home start or onward travel will cost more.
Number of Vehicles
Adding multiple vehicles to a policy increases the cost.
Optional Extras
Add-ons like tyre or key replacement will raise your premiums.
Comparing breakdown cover is the easiest way to find the right policy at the best price. Im Insured simplifies this process by allowing you to compare quotes from multiple providers.
What Happens if I Break Down Without Breakdown Cover?
If you break down without existing cover, you can still get emergency assistance, but it will be more expensive due to immediate call-out fees. Having breakdown cover in place beforehand saves you money and hassle in such situations.
How to Get Cheap Breakdown Cover
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Compare Policies:
The easiest way to find cheap breakdown cover that meets your needs. -
Avoid Auto-Renewing:
You might miss out on better deals if you allow your policy to auto-renew. -
Opt for Vehicle Cover:
This often provides better value, covering all vehicles you drive.
Extras You Can Add to Breakdown Cover
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Tyre Replacement:
Covers the cost of a replacement if you get a flat. -
Key Replacement:
Protects against the cost of lost, stolen, or damaged keys. -
Misfuelling:
Covers the removal of incorrect fuel from your vehicle. -
Battery Replacement:
Provides coverage if your battery fails. -
European Breakdown Cover:
Essential if you plan to drive in Europe. -
Special Vehicle Cover:
For towing caravans or trailers.
Can I Get Breakdown Cover with My Car Insurance?
Breakdown cover is usually not included in standard car insurance policies but may be offered as an optional extra. Some comprehensive car insurance policies include it as standard. Check your policy details or consider adding breakdown cover separately through Im Insured.