Everything You Need To Know re Car Breakdown Cover
Many of us depend on our cars to get us where we want to be, and it can be very frustrating, as well as inconvenient when they break down, causing us to miss a vital meeting, end up being late for work, or spoil our holiday. It is bad enough if the car breaks down in the middle of town, but it could be much worse if it leaves us stranded and by yourself in the middle of nowhere.
Thankfully, help can be obtained from the large range of breakdown insurance companies, who may provide a number of breakdown services, often at inexpensive prices. A few, such as the AA and RAC offer roadside assistance using their own dedicated patrols, whilst others (including Green Flag) instead make use of a countrywide network of independent garages and recovery agents.
Policies are usually divided into two categories: vehicle and person. Vehicle cover implies that a particular vehicle is insured for breakdown, no matter who is driving it, whilst person cover ensures that you personally are covered as the driver or passenger of any car – a beneficial option should you drive numerous vehicles. You are often given the option to extend this coverage; for example, if you select person coverage you could extend this to joint membership (yourself as well as another named person living at your home address), family membership (you, and up to three additional named individuals living at your household address) or vehicle membership (anyone who drives the vehicle). These extended options will obviously increase the policy premium.
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