By definition, breakdown cover is a form of car insurance policy that provides assistance to motorists whose vehicles have suffered a mechanical failure that is serious enough to leave them stranded at the spot of the accident. Like any other technical terms in insurance, this definition also needs some explanation. Anybody who is going to buy an insurance policy should know all that is meant by the technical terms; otherwise he may come face to face with nasty surprises.



One can claim for breakdown cover compensation only if the accident leaves him stranded at the place of accident – this is what is indicated by the definition. Unless one knows this fact, he may rest assured that breakdown cover will compensate for any kind of accident his car meets with. With this understanding in mind, he may remain satisfied. So, when he will make a claim in future, he is sure to be disappointed.

This and several other facts are related to car insurance that one should know before he purchases a policy. Particularly, if he is going to buy a breakdown cover, he should ensure that he understands all the terms and conditions of the policy fully. For this, he should read the small prints minutely and ask questions to the agencies if he is not sure of any clause and term.

Breakdown cover can be purchased from the agency from which one buys the car. Either they will sell it directly or make arrangement for it. Generally, car selling agencies have association with other firms that sell insurance policies. So, when you buy a car, they will certainly ask you whether you want to go for breakdown cover or not. It is good if they come up with some nice offers. But unfortunately, they sometimes become pushy and try to thrust a policy. It is better to avoid such agencies.