What does breakdown cover exclude?

Q: How does breakdown cover work?

How does breakdown cover work?Breakdown cover is designed to get you back on the road if your car breaks down or stops working correctly. A technician will come out to you at the roadside and try to repair the vehicle or tow you to a local garage for repair.This type of cover is optional to drivers and not usually included with standard car insurance options, although some insurance providers may offer breakdown cover as an additional option.

Q: Types of breakdown cover

Types of breakdown coverDepending on the type of cover you have will depend on the options you will have available to you when you break down. It is important to understand these options so you can choose the best cover for you.The first type of cover to decide between is personal or vehicle breakdown cover. Personal is linked to you as a driver or passenger of any vehicle whereas vehicle cover is connected only to the specified vehicle on the policy. If you are someone that only uses one vehicle and doesn't feel the need to be covered when passengering then vehicle cover may be the best option for you. However, if you share a vehicle or drive multiple vehicles then having personal cover would be the more suitable option.There are then 4 different assistance types depending on your motoring needs as follows: Roadside assistance - This type of cover is your standard level of cover and will provide assistance and repair at the roadside or a tow to a local garage. Home cover - If your car breaks down at home or within a quarter mile of your home this cover will provide you with assistance to repair the vehicle or get the vehicle to a local garage National recovery - Provides recovery of the vehicle, including taking you and your passengers to a garage or chosen destination across the country. Onward Travel - This cover will provide you with a loan car and/or cover the cost of transport or overnight accommodation while your vehicle is off the road. Some providers will also have additional options you can add to your policy such as key replacement, misfuelling cover, and battery replacement cover. These will usually be at an additional cost unless otherwise stated. Depending on the provider these may be included in a packaged deal.

Q: What does breakdown cover exclude?

What does breakdown cover exclude?Breakdown cover is not car insurance, it is important to remember that if you are involved in an accident you need to call your car insurance provider, not your breakdown provider. Your breakdown provider can only assist when your vehicle stops working correctly and you cannot safely drive the vehicle home or to a garage yourself.Breakdown also will not cover the cost of parts or labour if your vehicle needs to go to a garage to be fixed. So it is worth considering this cost and potentially budgeting for repairs in case this is required.Ongoing issues with vehicles are also excluded. Your provider may refuse to come out if your vehicle breaks down because of a pre-existing or ongoing issue. It is therefore important to make sure your car is in good working order to avoid the risk of avoidable breakdowns.Be aware of the number of callouts provided in your cover as not all policies allow for unlimited callouts. The last thing you want to find out when you're broken down on the side of the road is that you have reached your claim limit and will have to foot the bill of recovery and repair.

What does breakdown cover exclude?

Breakdown cover is not car insurance, it is important to remember that if you are involved in an accident you need to call your car insurance provider, not your breakdown provider. Your breakdown provider can only assist when your vehicle stops working correctly and you cannot safely drive the vehicle home or to a garage yourself.

Breakdown also will not cover the cost of parts or labour if your vehicle needs to go to a garage to be fixed. So it is worth considering this cost and potentially budgeting for repairs in case this is required.

Ongoing issues with vehicles are also excluded. Your provider may refuse to come out if your vehicle breaks down because of a pre-existing or ongoing issue. It is therefore important to make sure your car is in good working order to avoid the risk of avoidable breakdowns.

Be aware of the number of callouts provided in your cover as not all policies allow for unlimited callouts. The last thing you want to find out when you're broken down on the side of the road is that you have reached your claim limit and will have to foot the bill of recovery and repair.

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How does breakdown cover work?

Types of breakdown cover