For people who drive regularly, they require a breakdown cover for their vehicle. Not only will a breakdown policy give them roadside assistance and vehicular recovery, but it will also provide them with peace of mind.
A breakdown cover is an insurance policy that provides 1) roadside assistance if your vehicle breaks down on the road, and 2) vehicle recovery where your vehicle can be towed to. This insurance policy covers and includes onward travel (during travel), home start (breakdown at home), European cover (Europe trip), and even other optional cover extras.
When choosing a breakdown cover, take note of the following factors:
1. Coverage type
There is a wide range of breakdown cover types available in the market. Providers take into consideration several factors, such as the weight, length, and height of your vehicle. Some covers are specific to different vehicle types such as cars, light vans, motorhomes, minibuses, and motorbikes. That given, not all of these cover types may be suitable for your fleet. Look for a breakdown cover that can provide you with the right resources in case of an incident.
2. Vehicle use
The particular use of your vehicle should be taken into utmost consideration. There are cover types specially developed to meet certain requirements. For instance, you may opt for a particular breakdown policy if you’re running a fleet of specialist vehicles, such as courier vehicles, ambulances, ice cream vans, or taxis.
3. Basic or comprehensive policy
When choosing, you can either opt for a basic or comprehensive policy. Basic coverage may include roadside assistance and vehicle recovery, but comprehensive ones may consist of European cover and other optional cover extras. Consider a handful of factors, such as the length of travel, travel destination (if it’s outside the UK), and the location for the garage. Know exactly what you, your vehicles, and your drivers need.
4. Special deals
It’s worth knowing that some providers have arrangements with trade organizations and business associations. They can offer preferential rates on breakdown cover for their members. It’s best to check for a certain scheme if your company is a member of a trade association or if you’re considering to become a member as well.
5. Whole fleet offer
As mentioned, some breakdown cover policies allow optional extras. You might want to consider adding a European cover or parts and labour cover to your whole fleet at the most affordable cost. Doing so can be a cost-effective way of managing additional covers for your entire fleet. You may not know when you might need these particular services in the future.
6. Small print
As a rule of thumb, always read the small print and keep it in a safe place for any future queries. Remember, you should be acquainted with the full terms and conditions of your cover. Know that the Financial Conduct Authority regulates the breakdown of cover policies and their providers. You should also know your basic rights when it comes to dealing with insurance policy and getting covered.
Breakdown cover can give you peace of mind, no matter the circumstance. When choosing, however, you must seriously consider the handful of factors outlined above. In doing so, you can find and invest in the best policy or insurance coverage for your vehicle in case of a breakdown incident.
If you are looking for an accident management company in the UK, get in touch with us to see how we can help.