If you are the owner of a car then you need to be aware of the fact that there is a 10% chance of your car breaking down at least once a year if it is older than three. This statistic worsens in the winter and there is even more chance of your vehicle breaking down. There are measures that can be taken against breaking down such as regular servicing of your vehicle. It is also important to make sure that you have adequate breakdown cover.

Types of Breakdown Cover

1. Roadside rescue - If you break down and are further than two miles away from your home but no closer then this type of cover will pay for the cost of servicing the vehicle but not parts and repair. It also covers you to have the car towed back to your house or the nearest garage.

2. Home rescue – This is the same as roadside rescue apart from the fact that you are also covered if your car won’t work within two miles of your home.

3. Recovery plus – This will give cover for both the home and the roadside. You will also be given a hire car to get you back from where you have broken down, or to where you were headed. If you are a specified distance from home when you break down then the policy will cover you for staying in accommodation.

Continental Cover

If you drive on the continent a lot then it is best to have continent cover. It will cover a considerable amount towards getting your car repaired and if it cannot be then it will cover you for having your car repatriated.

Partners and Family

If you have a partner that also uses your vehicle then it is wise to have partner and family cover. Trusting parents let their offspring drive their cars and if they are unfortunate enough to cause an accident or break down then they can be rescued. The condition is though that they have to be living at your address.

If you have cover then dependent on the company you can expect to wait anywhere between 25-60 minutes. Certain policies will limit the amount of claims that you are allowed to make to five. This figure generally increases if you have family cover because of the extra usage of the vehicle.

There are a lot of Cheap Breakdown Insurance options available to you. Do take the time to fully understand what is being offered and which is the most suitable.