Breakdown Insurance

Breakdown Insurance

Breakdown Insurance
Who knows,​ you​ are going out for a​ long drive,​ and your car breaks down midway .​
Experts say that there is​ more than 10% chance of​ breaking down each year if​ your car is​ more than 3 years old .​
It is​ worse in​ the​ winter .​
You can avoid breakdowns by taking precautionary measures like re-servicing your vehicle each month .​
However,​ getting your breakdown insurance is​ a​ good option to​ protect you​ financially if​ your car vehicle breaks down when it​ is​ least expected to.
Types of​ Breakdown Cover
Roadside Rescue: If your vehicle breaks down outside a​ specific distance radius from your home,​ breakdown insurance would pay for the​ servicing amount except the​ charge for new parts .​
The company will provide you​ with other helps .​
However,​ the​ incident is​ at​ your home or​ within specified radius of​ your home,​ and then it​ won’t be covered .​
Home Rescue: It covers the​ same as​ the​ roadside rescue; it​ extends the​ coverage to​ your house .​
It includes getting your vehicle checked at​ the​ local garage .​
Recovery Plus: It covers both home and roadside breakdowns .​
It provides a​ hire car to​ either return home or​ continue your journey .​
And also it​ covers the​ cost of​ alternative transport to​ enable your journey or​ return home to​ be completed .​
If the​ breakdown happens a​ set of​ miles away (specified in​ the​ policy),​ accommodation in​ a​ local hotel while awaiting completion of​ repairs will also be provided.
Continental Cover

In UK,​ European Rescue Breakdown covers roadside breakdown in​ continental driving .​
It covers the​ charge of​ repairing or​ bringing your car back to​ UK in​ case your car can’t be repaired .​
However,​ it​ doesn’t cover the​ charge of​ new parts .​
So,​ it​ is​ always wise to​ have this insurance,​ if​ you​ are driving across Europe as​ you​ can face fees for roadside assistance charge for every kilometer your car is​ being towed .​

Partners and Family
Some policies also cover spouse or​ partner; however check it​ with the​ insurance company .​
Some companies look whether your spouse or​ partner is​ living with you​ at​ the​ same address .​
Family cover includes you,​ a​ partner and usually two children under 21 living at​ the​ same address as​ you​ .​
Check whether your policy covers all the​ persons traveling in​ the​ car .​
You need to​ wait nearly 25 minutes to​ an​ hour for a​ roadside assistance .​
Some policies fix the​ number of​ calls to​ five or​ six each year .​
You may get more if​ you​ have a​ joint cover or​ family cover .​
If you​ exceed the​ limit you​ must pay for the​ assistance .​
Policies do not cover the​ cost of​ new parts .​
Some policies do not cover trailers and caravans .​
Animals are usually not covered.

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