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Do You Really Need Separate Breakdown Cover?
Author : Mark Bartley
Breakdown cover can be invaluable when you most need it, and a small outlay to pay for peace of mind. The great thing about breakdown cover is that the cost of one year's subscription to the service could pay for itself after just one use. Usually depending on how much you pay, the types of breakdown cover can vary from the basic to the more comprehensive, with extra features and support included.
Basic roadside assistance can be cheap, and most drivers will have at least this kind of breakdown cover as a minimum. But often people feel more secure paying for a more functional form of roadside assistance. Although this can cost more, it can work out as more cost effective if you break down in circumstances where you would need those extra services. This can include taking you and your passengers onwards to any destination of your choice, free accommodation in a hotel while your car is being repaired, windscreen replacement and priority assistance.
Whatever type of breakdown cover you choose, it is best to combine value for money with the services you are most likely to find of benefit. You don't want to be paying for features that will not be of any use to you. But one of the most important things to consider when buying breakdown cover is when you have a household of two or more drivers and cars. Sometimes it can be a better use of your money to buy breakdown cover that can serve more than one driver and car.
Getting breakdown cover doesn't always mean buying one policy per person. Vehicle based membership is ideal for covering a specific car or number of cars, usually up to three per policy. This involves providing the registration numbers of each car you would like to cover in the event of a breakdown. The great thing about this type of roadside assistance policy is that it means any driver will be covered for that particular car. It is important to remember though that vehicle based breakdown cover could be more restricted than a standard roadside assistance policy, with certain features available on other policies excluded from this type of cover.
There could also be restrictions and conditions on the type of car and its age. Another popular way of saving money on buying an individual breakdown policy for each person in a household is to get a joint personal roadside assistance policy. This works much in the same way as a standard breakdown cover policy, but the features will apply to both listed drivers. So this means that they are covered in the event of a problem on the road, regardless of what car they are driving. Either of the two listed drivers on the joint breakdown cover will be covered even if they are passengers in a vehicle, and regardless of who owns or is driving the vehicle.
Prices can vary on a range of different joint and vehicle based breakdown cover policies, so it is always a good idea to shop around online and compare prices between providers. There is a fantastic range of price comparison sites available to use for free, and they will often give you detailed information into the specific features of each policy. It saves time telephoning around the different breakdown cover companies if you compare online, and there could be special offers and discounts only available on the comparison sites.
Author's Resource Box
Discover the facts about breakdown cover with Mark Bartleys insight. Mark explains several consumer product areas in detail with his helpful consumer articles.
Article Source:
Articlebliss
Tags: breakdown cover, cars, breakdown insurance
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Submitted : 2010-04-30 Word Count : 657 Popularity: 109