What is Includeed and How to Spot a Good Deal

We often taken for granted that modern vehicles will always perform as their manufacturers had intended.  Modern amenities such as GPS tracking and traction control have led us to falsely believe that accidents and breakdowns always happen to “someone else”.   It is unfortunate that we only realise that this is not the case when we find ourselves on the side of the motorway.  This is why breakdown coverage can represent an excellent addition to an existing insurance plan; especially if a long-distance journey is looming in the near future.  What do these plans entail and how can you go about finding the most appropriate package?

The Types of Breakdown Coverage at a Glance

There are a handful of varieties to choose from and each of these tends to revolve around your discrete driving needs.  Let us take a look at some of the most common as well as what each has to offer.

At-Home Assistance

This type of breakdown coverage will provide you with assistance if your vehicle encounters an issue while at home or very close to your current address.  This distance will normally not exceed one mile.  The most common issue is a battery failure, so this could be a good option if you only travel short distances.

Roadside Assistance

This is the most common type of coverage, as a mechanic will be dispatched to your location in the event that the vehicle encounters problems while out and about.  Assuming that the problem can not be immediately addressed (such as if the starter has failed), you will be provided with a tow to a nearby garage.

National Roadside Recovery

This is appropriate if you are required to take regular journeys throughout the United Kingdom.  Roadside recovery is frequently used by those who need to travel for business purposes.  It offers the same coverage as roadside assistance and yet, there are no domestic geographic limitations.  You might also be provided with transportation to the destination.

European Coverage

If you are planning to take a trip abroad, this is a must-have plan.  Although such an addendum may be included in your existing policy, it can also be purchased a a standalone item.  The coverage levels vary but these are much more agreeable when compared to paying out-of-pocket-funds in a foreign country that may charge exorbitant fees for even the most basic of services.

Choosing the Best Plan

How often to plan on driving and what are the associated distances?  From a general point of view, most consumers should be amply covered by standard roadside assistance.  In the same respect, longer domestic trips or European excursions can dramatically benefit from additional layers of protection.  It pays to be prepared for any eventuality and obtaining the proper breakdown coverage will provide you with a peace of mind that would not otherwise be possible.  As always, research each provider in detail so that you can discover the most appropriate programmes and rates.