Top tips for choosing a breakdown cover policy

Have you ever driven past a car broken down by the side of the road with the bonnet up and a rather flustered person looking into the engine?

The answer to this question is most likely to be yes.

Now think back to the last time you saw someone broken down and try to remember what your first thought was. If I had breakdown cover, I know mine would be ‘I wonder if they have breakdown cover’.

If I didn’t have breakdown cover, my first thought would probably be, ‘that’s going to be an expensive day for that driver’.

Breakdown cover can prove to be worth its weight in gold in the event of a breakdown and has the potential to save you a lot of money if you ever do break down.

Therefore, I thought I’d bring you some top tips to consider when you look for your next breakdown cover policy.

1. Think about where and when you are most likely to need your breakdown cover.

If you only drive your car around the town in which you live, you would probably look for basic to comprehensive cover. If you drive further afield on a regular basis, you might be better off with a comprehensive to premium policy.

2. Look for any discounts the provider is offering. Some offer online discounts of around 30-40% and this could prove useful in reducing the price of your policy.

3. Remember that even the most basic of breakdown cover policies will usually be better than having no policy at all.

According to the RAC, the average cost of a call-out charge for a private recovery levied by an independent recovery contractor is £50. You will then be charged around £1.50 per return mile (the independent recovery contractor will charge you per mile from when they leave the depot until they get back to the depot) to be towed. This would result in a cost of £188.13 for one call out and to be towed 10 miles (use a breakdown cover calculator to test this out). When you consider that basic breakdown cover policies start from as little as £25 a year, you can really see why having some breakdown cover will likely be better than having none at all.

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