What is breakdown cover?

As you’d expect, breakdown cover is a type of insurance policy that covers you if your vehicle breaks down. There are two types of cover – one that covers you personally in any car, van or bike, or one that just covers your vehicle.
If you’ve just bought a car and paid out for insurance, you're probably loathed to spend additional money on breakdown cover – but the good news is that breakdown cover can be relatively cheap to buy.
If you compare policies with Protect Your Family, you'll see that there isn’t just one type of breakdown cover – there are different levels of cover available to suit your requirements. For example:
  • Roadside assistance – generally the most basic level of cover, this will cover you for a call out if you breakdown away from your home.
  • Homestart – this type of cover means that you can get assistance from your driveway.
  • Onward travel – this covers you if you need to get a hire car or alternative transport if you need to continue your journey.
  • European Cover – you can often add cover which means that you will have assistance if you break down in anywhere in Europe.
Some policies also include cover for misfuelling or lack of fuel – so depending on the age of your vehicle and your annual mileage, some aspects of a breakdown policy will be more important to you than others – which is why it's so important to shop around.
Why should you use Protect Your Family to compare breakdown cover?
We compare 16 companies who provide breakdown cover – from Green Flag to Breakdown Assist, we have a wide range of policies with varying levels of cover to suit your requirements.
The process is simple – there are less than ten questions so the average time it takes to complete a quote is less than two minutes.
Once you have a quote, you can tweak your results by adding or removing cover options. This way, you can weigh up the price of a policy against the cover you may need.
We compare car, van and bike breakdown cover.
We also provide quotes for European cover, so if you’re making a few road trips abroad this year, you might want to consider these policies.
Do you need breakdown cover?
Vehicles are so reliable today but even the newest, most expensive car, van or bike can break down. So unless you’re driving around in the Bat mobile, it's something for you to consider.
Some bank accounts will include breakdown cover as part of their packaged accounts, so if you have an added value bank account, it's worth checking if you have breakdown cover and the cover included in this policy.
It's difficult to imagine a scenario where someone wouldn’t need breakdown cover, and with policies starting from under £25, it doesn't have to be a burden on your outgoings.
What are the main breakdown callouts in the UK?
According to Auto Express, the top five reasons for breakdown callouts in the UK are:
  • Mechanical fault
  • Flat battery
  • Tyre puncture
  • Misfuelling
  • Lack of fuel
If you've managed to avoid any of these in your driving career, then you are extremely lucky. But most people will experience at least one of these at some point – in which case, it's better to have peace of mind that you can call someone if something does go wrong!
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