While it’s true that breakdown cover policies usually aren’t very expensive, there are always ways to save a little extra. This type of policy can really help you out if your car breaks down while on you are on the road. Whether you need a jump start or help changing a flat tyre, these services can be a real life saver in a number of situations.
Choosing the Right Breakdown Cover
The most effective way to save money on breakdown cover is to compare breakdown cover options and then choose a policy that matches your needs. The last thing you want to do is to pay more than you have to for an unnecessarily comprehensive policy. Take the time to think about what your personal requirements are for this type of cover.
If your car is older and more likely to break down, you should choose a policy that allows for quite a few callouts per year. Those who have a newer car can save some money by choosing a provider with a lower maximum number of annual callouts. If you only drive locally, you can get a policy that only allows for towing to local garages. It is significantly more expensive to get breakdown cover for towing to anywhere in the UK.
Number of Drivers
Breakdown cover can apply to an individual, a certain car, or multiple drivers. You will find that personal breakdown cover can be quite pricey because you can take advantage of it with any vehicle you drive. If there is just one particular car you drive, you should opt for a policy that is vehicle-specific. A multi-vehicle policy can sometimes be cheaper than personal breakdown cover, so you will need to keep that in mind as well. Those who have an entire family to cover should try to get a family policy.
Consider a Pay and Claim Policy
Sometimes a pay and claim policy is a better option than just regular breakdown cover. You will be required to pay the provider a fee each year. These providers subcontract the work out to local businesses for handling breakdowns. You will need to pay for the service upfront, but your provider will reimburse you after you file a claim. This is a bit more complicated, but it can be cheaper for some people. This is an option that you should at least look into before making a decision.
One of the best ways to get the breakdown cover you need while keeping extra money in your wallet is by shopping around. Take the time to get quotes from numerous providers before choosing one in particular. The more time you spend doing this research, the better your chances will be of getting what you need at the right price. You should compare at least a few different providers before deciding which one to go with. When you are comparing these companies, make sure each one offers the same cover options.
Go with a Smaller Provider
Some of the smaller breakdown cover providers offer better deals than the bigger companies. A lot of people feel more comfortable with the more well-known companies, but they don’t always provide the best service or offer the lowest prices. There is of course some risk involved in doing this, but it could be worth it if you save enough money. Just make sure that you take the time to research the smaller providers so you can find the right one to match your needs.
Does Your Car Insurance Policy Offer Breakdown Cover?
If you have a comprehensive car insurance policy, there is a good chance that you will also have breakdown cover. Take a close look at your current policy to see what exactly it covers before doing any more research. Insurance policies that include breakdown cover usually cost more, so you should check prices for it with and without it.
Get Your Breakdown Cover Through a Bank
There are quite a few banks that offer breakdown cover when you sign up for a certain type of account. Take some time to look into these deals so you can find out how much money you will be able to save. It might even be worth closing out your current bank account and moving to another bank if you find a good enough deal.
Don’t Opt for Any of the Extras
When you are looking into breakdown cover, you’ll find that there are lots of extras you can pay for. Some of these things include key cover or repair cover. While it’s true that these can be good things to have on your policy, they will cost you. These aren’t essential components of a breakdown cover policy, so you really don’t need them at all. Don’t let anyone try to sell you the extras, especially if you are on a tight budget.