Why do you need vehicle breakdown cover?
Owning a car can provide you with benefits but any sudden faults in them could give you a great headache. Standing in the middle of the road and searching for car recovery services would be really stressful. That’s where breakdown recovery can save you from all of these hassles.
With car breakdown cover, you can get your car fixed and drive them back on roads quickly anytime. Based on your needs, you can choose between two main types of breakdown insurance.
Standard breakdown insurance
The most common form of coverage would be standard breakdown insurance and it lets you choose between personal or vehicle-based insurance. With personal cover, you could get coverage for any vehicle as the policy will be based on you. With vehicle cover, you get coverage for the vehicle you choose.
Most policies cover only the first 60 minutes of labour and the cost of changing parts will not be covered. If you require complete coverage of all costs, a higher premium should be paid for them.
You could get roadside recovery and assistance for your vehicle over the period of car breakdown insurance. The premium for this insurance should be paid annually and you can get covered for the following year.
Pay and claim cover
With this form of insurance, most companies have contracts with local providers. Once you make the call for assistance, you are required to pay out the cost of local providers and claim from the insurance company using the receipts. Pay and claim cover would be cheaper than standard policy but leaving out some of the convenience in trade.
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