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Car Breakdown Cover Insurance

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Until quite recently the choices for breakdown cover where limited to two major companies, the AA and the RAC. Even today they are the two most popular choices of motorists. However there are others creeping in, for example Green Flag from the supermarket Tesco is just one of those bringing more competition to the market.



With the average cost of breakdown cover costing around £35 and the typical cost of recovery being around £70 then it could be worthwhile taking out motor breakdown cover.

When choosing cover there are a few things you should take into account before selecting which provider to go with. For example, the average response time to reach you should be around 20 to 40 minutes so it is worthwhile checking this out.

If you go beyond anything but the very basic cover then it can get quite complicated. However typical things you can watch out for include whether the policy includes home recovery. This means that your car will be repaired should it break down while at home or near your home.

Is the cost of alternative transport included in your policy? For example, if your car cannot be fixed immediately, do you get a hire car or will the company transport you to your destination?

Does the price include the breakdown service getting in touch with friends or family members to let them know you are stranded and will be late?

Also, look out for whether the policy is vehicle based or people based. Some of the larger providers offer this type of cover. If vehicle based, then it is the car that has the cover, no matter who the driver. If it is people based, then the person who is covered could be in any vehicle when they call out the breakdown cover.

And finally, does the cover include the cost of breakdown if you are on the continent?

Once you have checked out the cover and you can make an educated choice as to which of the options best suits your circumstances.
Car Breakdown Cover Insurance
The problem is, however, very few of us are qualified to check the condition of the car when we're looking for a replacement. We are more likely to use first impressions as a basis for our decision; how tidy the car looks, the colour, etc.

That's why dealers put effort into keeping the cars clean and polished.

Obviously, it's a good idea to take someone along with you, someone with a knowledge of cars and who is able to advise on things that you know nothing about. You may also be referred to a trustworthy dealer by a friend and some dealers will have vehicles pre-inspected by the RAC. Just ask to see the report.

By the way, having a good breakdown cover package, and being able to call on roadside assistance, is common sense, especially if you purchase a used car which could have problems that you know little about. This can be even more important if you buy privately, from someone you don't know.

There are things you can do to help yourself, such as validate the ownership of the vehicle - by checking the log book or registration details, accuracy of the mileage and age.

You could look for signs of poor colour matching or non-original welding. These could be tell-tale signs of the vehicles? involvement in an accident. Check under the bonnet and look for engine leaks, look on the ground for oil leaks and for blue smoke from the exhaust pipe.

Ask to see the service history - is it close to another service? Is the mileage correct? What's the condition of the seat upholstery? It's also a good idea to take the car for a spin - check the steering, brakes, gears, clutch, etc. How does it handle in general?

All these things can add up to help you make the right decision. If you're looking for real peace of mind, however, there is the option to get the experts to check it out for you. Considering the fact that you could be spending a few thousand pounds, the cost of an RAC Vehicle Inspection is well worthwhile. And you can get a good discount if you already have RAC breakdown cover (even if it's only roadside assistance).

For only a fiver, massively reduced from ?24.99, you can also get an RAC car data check. This will tell you whether or not the car is stolen, if it's an insurance write off, if there's any outstanding finance on it or even if it's had previous plates.

The last thing you want to do is to buy a vehicle, find out later that it's not roadworthy and end up paying a small fortune to get it through the MOT. More importantly though, your life and the lives of others may rest on the condition of the vehicle you purchase, so if in doubt, get a qualified second opinion before you buy.
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About Author
Both Louis Rix & Les Shaw are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Louis Rix has sinced written about articles on various topics from Used Car, Finances and Used Car. Louis Rix is Director of Netcars.co.uk, one of the UK's leading motoring websites. Established in 2000, its mission is to become the UK's number one site for used car searches and motoring information. Netcars also provide. Louis Rix's top article generates over 246000 views. to your Favourites.

Les Shaw has sinced written about articles on various topics from Insurance, Home Management and Computers and The Internet. Les Shaw operates in the UK as a ?Face to Face? agent representing RAC Motoring Services, providing to the UK public.. Les Shaw's top article generates over 12100 views. to your Favourites.
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