Car breakdown cover is a type of insurance policy that helps you get back on the road if your car breaks down. No matter how well-maintained your vehicle is, there is always a possibility of it breaking down unexpectedly. Whether it’s a flat tire, a dead battery, or a malfunctioning engine, these situations can leave you stranded on the side of the road, causing inconvenience and potentially putting you in danger.
The level of coverage you get from your car breakdown insurance policy depends on what you take out. When comparing policies, look out for key features like:
We often receive a lot of questions about car breakdown cover, so let’s answer some of the most common:
If your car breaks down and you don’t have a breakdown policy, you can purchase instant breakdown cover at the side of the road, and your new provider will send someone to fix it.
It depends. When you own only one vehicle, it may make more sense to purchase vehicle-based cover. If you drive more than one vehicle frequently or are a passenger in more than one, personal-based coverage may be more appropriate.
A breakdown provider must offer a 14-day “cooling off period” within which you may cancel your policy. In the event that you haven’t claimed on your cover, you won’t face any penalties and will receive a full refund.
You may not be able to cancel after this period or after you’ve made a claim. In addition, claim, or you may be required to pay a fee to receive a partial refund after you’ve canceled. Terms will vary between providers.