Understanding Breakdown Insurance

Breakdown insurance is a type of insurance that provides coverage for unexpected car breakdowns, including mechanical faults, flat tires, or dead batteries. In case of a breakdown, the insurance company will send a mechanic to your location or tow your car to a repair shop, depending on the severity of the issue. The purpose of breakdown insurance is to provide drivers with peace of mind and financial protection against the high costs of unexpected car repairs.

How Does Breakdown Insurance Work?

Breakdown insurance works by paying a monthly or annual premium to an insurance provider, who will then provide coverage in case of a car breakdown. Once you purchase a policy, you need to keep it current by making timely payments to the insurer. In case of a breakdown, you should contact the insurance company’s helpline to report the issue and request assistance. The insurance company will then send a mechanic to your location or arrange for a tow truck to take your car to the nearest repair shop.

Some insurance providers offer different levels of coverage for breakdowns, ranging from basic to comprehensive. A basic policy may only cover roadside assistance, while a comprehensive policy may include towing, on-site repair, and replacement car rental. The cost of coverage will depend on the level of protection you choose and your driving history, among other factors.

Do I Need Breakdown Insurance?

Whether or not you need breakdown insurance depends on your individual circumstances and budget. If you own an older car that is more likely to experience breakdowns, or if you frequently drive long distances, breakdown insurance may be a good idea to protect yourself against unexpected expenses. However, if you have a new car with a manufacturer’s warranty, or if you rarely travel far from home, breakdown insurance may not be necessary.

Additionally, some car insurance policies may include breakdown coverage as an option. If you already have comprehensive car insurance, check your policy to see if it includes breakdown coverage before purchasing a separate policy.

What Does Breakdown Insurance Cover?

Breakdown insurance typically covers the cost of roadside assistance, towing, and repairs in case of a car breakdown. Depending on the level of coverage you choose, breakdown insurance may also include replacement car rental, accommodation costs, or onward travel expenses if your car cannot be repaired immediately. The specific coverage and limits of your policy will depend on the insurance provider and the level of protection you select.

Some breakdown insurance policies may also offer coverage for breakdowns that occur while driving in other countries. If you frequently travel abroad with your car, make sure to choose a policy that includes international coverage.

How Much Does Breakdown Insurance Cost?

The cost of breakdown insurance varies depending on the level of coverage you choose and your individual circumstances. Generally, the more comprehensive the coverage, the higher the premium. Other factors that may affect the cost of coverage include your driving history, age, and the type of car you drive. On average, breakdown insurance can cost anywhere from $50 to $200 per year, depending on the level of protection and the insurance provider.

FAQs

Question
Answer
What is roadside assistance?
Roadside assistance is a service offered by breakdown insurance providers that provides help for drivers whose car has broken down while driving, typically due to mechanical or electrical issues. The assistance may include jump starting a battery, changing a flat tire, or delivering fuel.
What is the difference between breakdown cover and car insurance?
Car insurance covers damages to your vehicle and others involved in an accident, while breakdown cover provides protection against unexpected failures of your vehicle while driving.
Can I purchase breakdown insurance for a rental car?
Yes, some insurance providers offer breakdown coverage for rental cars. If you frequently rent cars, it may be a good idea to purchase a separate breakdown insurance policy to protect yourself against unexpected expenses.
What should I do if my car breaks down?
If your car breaks down, you should find a safe place to pull over and turn on your hazard lights. Call your breakdown insurance provider’s helpline and describe the issue and your location. The provider will then arrange for assistance, which may include sending a mechanic to your location or arranging for a tow truck.
What if I have more than one car?
Most breakdown insurance providers offer policies that cover multiple vehicles. If you have more than one car, consider purchasing a policy that provides coverage for all your vehicles to save money and simplify your coverage.
Is breakdown insurance worth the cost?
Whether or not breakdown insurance is worth the cost depends on your individual circumstances and budget. If you own an older car that is more likely to experience breakdowns or frequently drive long distances, breakdown insurance can provide peace of mind and financial protection. However, if you have a new car with a manufacturer’s warranty or rarely travel far from home, breakdown insurance may not be necessary.