If you are on a tight budget and want to save as much money as possible on your breakdown cover, there are a few key tips you will need to follow. This type of cover can be extremely useful if you ever find yourself stranded on the side of the road, but it can cost a lot if you aren’t careful. The total amount that you pay for breakdown cover will depend on your specific needs, where you get it from, and many other things.
Get a Cover Level to Match Your Needs
You will want to look for a breakdown cover level that will satisfy your particular needs. There is no point in getting more cover than you absolutely need, as you will just be wasting money. Each level of cover has something different to offer, so you need to review your options.
Some of the different cover levels include:
• Home assistance: This level of cover will provide you with assistance if your car is still in your driveway at home. Whether you have locked your keys in the car or the battery needs a jump, this can certainly be very useful.
• National recovery: Those who opt for national recovery breakdown cover will be able to get their car towed anywhere in the UK if the problem can’t be resolved on the roadside. This way you can ensure that your car goes to a garage that you trust completely.
• Onward travel: When you have this level of core, you will be able to get a car hire or even overnight accommodations if and when your car breaks down.
• European cover: If you tend to travel all over Europe in your car, you should consider this option. It will help you save money on getting your car towed and even repaired while you are outside of the UK.
Buy Your Breakdown Cover Separately
It can often be much cheaper to get your breakdown cover separate from your insurance policy. There are lots of different third-party providers that can help you get the cover you need. If you are looking for a new car, you should try to find one that comes with free roadside assistance. Before you sign any paperwork, make sure that you are getting this particular feature.
Choose a Smaller Firm
When you are looking for breakdown cover, you should think about going with a smaller breakdown firm. The small businesses are usually the cheaper ones, especially if you’re looking for cover for vans and you can still get exactly what you need. A lot of people instantly go for the big firms, but this can be a huge mistake. Take the time to look and see what each one offers before making a choice.
Compare Your Options Online
The internet is by far the best resource that you can utilize when it comes to getting the best possible deal on breakdown cover for your car. You should see how much you will pay with different firms so you don’t end up spending more than you have to. It is fairly easy to get quotes through these businesses on the internet, so keep that in mind when weighing your options.
Consider a Pay and Claim Policy
You will find that pay and claim breakdown policies can be among the most cost-effective options available. Those who have one of these policies will have to pay the standard annual fee, but the company uses contracted businesses for their recovery services. You will also be required to pay for any local services rendered, but the company will reimburse you for them. The upfront costs may be more, but you can save money overall.
Check to See if You Already Have Cover
Some people already have breakdown cover and don’t even know, so this is something you will need to look into. A lot of banks give their customers this type of cover if they open a premium account. You may also have it through your car insurance policy. Don’t start looking for this type of cover until you have already checked this out.
Do You Need Breakdown Cover?
It is a good idea for a vast majority of drivers to maintain breakdown cover because of how helpful it can be in a variety of situations. Even those with newer cars that are less prone to breaking down should still have at least a minimal amount of cover. The more time you spend looking through your options, the easier it will be to choose the right ones. There are lots of ways to save money on this sort of cover, but you don’t want to rush into a decision. Those who take their time with this will end up getting what they need while staying within their budget.