Breakdown Cover – How To Get Value For Money
Breakdown Cover How To Get Value For Money
Nothing brings home to us the necessity of taking proper precautions to look after not just ourselves and our family, but our belongings and home, than the onset of winter. For some reason, during the summer months our attention is taken up with other things like holidays for example. The thought of snow, freezing temperatures and traffic chaos are distant memories.
However, that is also the perfect time to sit down and evaluate your circumstances and consider how best to take the precautions that fit your situation and more importantly, your finances.
Let's take a look at breakdown cover. There is no argument these days, that this type of cover is necessary if your have a vehicle, but the level of protection you need is worthy of deeper consideration, as is the cost of the contemplated cover.
One of the first considerations should be the amount of travel you undertake and whereabouts that travel usually takes place. For example, do you just use your car to go to work every day, if so, how many miles per week are you travelling? Do you live in a rural area or in a town or built up area? These are relevant questions when it comes to working out the best cover for your money.
If you live in a town and only travel a few miles to and from work you may want to consider just the basic cover i.e. road side assistance to get you home or to the nearest garage. There are some excellent deals to be found for this basic type of cover and it will cover the majority of circumstances that could arise and cause you problems.
Some types of cover allow you to add the various types of additional cover like `home start`. This would add the component to the cover that would allow you to call out the relevant service should you find that your vehicle doesn't start one morning. This would be more relevant if you lived in a rural area where it is more difficult to find a local garage for example.
Taking a look at some of the more common add-ons, if you travel long distances away from home, you may want to add `National Recovery` to your cover. This will mean that should you break down you can be towed to your local garage rather than the nearest to where you break down.
If you really need to be in places at certain times, you may want to consider taking `onward travel` cover. This means that if you break down and the vehicle can not be repaired in a reasonable time, you'll be offered a replacement car for up to three days, or overnight accommodation or onward travel by taxi, train or plane, depending upon the policy you have.
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