As rocketing fuel and insurance prices continue to make the headlines in the news, it is not surprising that the last thing you may be considered as a driver is breakdown cover. However, as the average cost of a single car breakdown can cost as much as a year’s worth of insurance, it is important to make sure you have an appropriate level of coverage and if not, make sure that you get some.
If you break down by the side of the road and do not have any breakdown cover from AA, you will be expected to pay around £150 to have your car recovered and towed from the side of the road. This, remember is just the price of towing the vehicle away and does not include the price of any repairs your car may need.
Different Types of Breakdown Cover Available
It is important to give due consideration to the appropriate level of breakdown cover that is right for you. At the moment, the standard levels offered by most include:
Roadside – The basic and standard level of breakdown cover. This enables you to have assistance from a qualified professional at the side of the road if you break down within a pre-determined distance from your home. Generally, this is absolutely free, though any charge you may receive will depend on the amount of labor required to help you out.
National Cover – This is the next level up from roadside cover and is different in that it not only covers transport for the driver/policyholder but anyone else who was in the car at the time of the breakdown.
Home-Start – This is a more extensive and comprehensive level of cover that includes breakdown assistance even when it occurs at your home.
Onward Travel – This is the most extensive and comprehensive form of national breakdown cover available and differs in that it includes all of the above as well as the cost of accommodation and any car hire associated with an unexpected breakdown.
It Can Save You Lots of Money In The Long Run
Obviously, the price of the policy depends on the level of coverage you require with onward travel and home start policies being more expensive than just a simple roadside policy. This is why it is essential that you shop around and compare the prices of covers to find the best one.
The overall cost of yearly breakdown cover not only gives you the peace of mind that takes some of the stress out of driving but will also help you to save money in the long run. Remember, the average cost nowadays for having your car towed and recovered from the side of the road can be as much as £150, which is a price something you would obviously like to avoid paying if possible. With an appropriate level of car breakdown cover, you can ensure you do.
Although you may feel overwhelmed when you look at the sheer choice and variety on offer with regard to breakdown cover, it is very important that you take the time to sort it out. After all, having the best breakdown cover can be a godsend when you are stuck on the layby or the side of the road late at night.