How to Buy a Car Breakdown Cover
When traveling, a broken down vehicle is never fun, regardless of the destination, a business meeting or a fun ride. There are so many insurance packages offered by different companies. Choosing the right one may be difficult to analyze. Here is a short description about car breakdown covers which may help you to buy the appropriate one:
Types of Car Breakdown Cover
The majority of insurance providers provide ‘vehicle’ or ‘Personal’ cover, but not all. This may narrow down your search by choosing a provider. Vehicle based cover is generally cheaper than Personal cover. This would be the best choice if you always use your own car to travel and will cover the vehicle no matter who is driving when the breakdown occurs. Personal based cover will cover you while driving whether it is yours or another car.
After deciding which type of the cover you are opting for, it’s time to start looking at the different levels of cover available.
Level of cover
There are number of different levels of cover that differ in price as well as services, offered by most car breakdown providers.
There are basically 4 different types of cover level:
- Roadside assistance- This type of policy cover entitles you to have your car fixed at the roadside or towed to nearest garage for repair. The roadside assistance policies tend only to be valid if your car breaks down a certain distance from your home.
- Vehicle recovery – Recovery packages will include roadside mechanical services but if your car can’t be fixed by the road side, you, your car and any additional passengers will be transported to a destination of your choice.
- Home start – This level of protection extends the assistance a roadside policy provides and will cover you whether your car breaks down at home or on the road. Vehicle recovery may also be included by some providers.
- Onward travel – Onward travel policies provides you benefits to cover the cost of accommodation or a car hire while your vehicle is being repaired.
Choosing a provider
Once you have decided what type of cover you need, you need to start looking at providers. Cost is likely to be an important factor in your decision. It is important to check the small print and compare the exact level of cover provided so that you have the reassurance that when you do break down you’ll be protected with insurance that will get you back on the road.
Author Bio: The author is an online marketer and presently he is writing on Car Breakdown Cover.
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