There are many ways to look for breakdown cover insurance. You can look for the least expensive, the one with the most coverage, the complete package, one for your vehicle (covering anyone driving it) or one that covers you no matter what vehicle you drive. The best breakdown cover for you is the one that fits your needs. Cost is important, of course. You will want to stay within your budget. But you want to make sure that you are paying for the coverage that you really need.
Key Questions to Ask Yourself
Before you even begin looking for breakdown insurance, ask yourself these key questions:
- How often do you drive your vehicle?
- Do you commute to work?
- Do you use your vehicle primarily as “Parental Taxi” taking kids to various functions, picking up groceries, and getting family members to various appointments?
- Are you planning to take a motor vacation?
- Will your vacation take you outside your home country, or, in some cases, outside your county or province?
- Do you sometimes lose your keys or lock them inside your vehicle?
- Do you transport an infant or pet?
- Is your vehicle part of your home business or used for company business?
- How old is your vehicle?
- Is your vehicle still under the original warranty or an extended warranty?
There is a good chance that your vehicle is used for more than one of these functions. When you begin looking for breakdown insurance, your answers will affect the kind of coverage that will be needed to make sure that you have the assistance you need when you need it.
Different roadside assistance or breakdown insurance companies might bundle their policies together differently, but in many cases, they will follow this pattern:
- Basic Coverage: A van or similar vehicle from your insurance company will come to you if you have a mechanical failure that is not associated with a collision or similar incident. The vehicle is driven by a qualified mechanic who can quickly take care of replacing parts, giving a jump start, delivering a can of gasoline, or similar functions. If your vehicle is still under warranty, or it is less than seven years old and you purchased your breakdown policy while it was still covered, then you probably won’t have to pay for anything.
- Coverage for Older Vehicles: You can still get roadside assistance for older vehicles. The only difference is that you are likely to be asked to pay for parts, especially if your car or truck is long past even the mechanical warranties.
- Towing: While there might be a limit on the number of tows per year, on the mileage, or even on the location to which your vehicle might be towed, this can be a very nice perk if you are stranded in the middle of busy traffic or on a lonely road.
- Out of Area Travel: You can purchase a temporary policy for vacationing in an area that is outside your home coverage location. If you will be traveling across several borders, it is a good idea to get your agent’s help in planning your travel itinerary to make sure that you have the right insurance for each place you pass through.
- Insurance on the Vehicle: The insurance stays with the vehicle so that it is covered no matter who is driving it. If your car or truck is stolen and left somewhere, your insurance can help with recovery.
- Personal Insurance: Good for any vehicle you are driving. This is especially nice if your company has a fleet of vehicles or if you frequently drive for others.
These are only a few of the various types of breakdown insurance. Your breakdown insurance worker is like a good friend who will always be there when needed.