Compare Car Breakdown Insurance

What is car breakdown insurance?

Breakdown insurance is a type of coverage that assists in the event of a vehicle breakdown. This can include car breakdown insurance but can also cover other vehicles. Issues such as a flat tire, engine failure, or running out of fuel often result in breakdowns. It typically includes services like towing, jump-starting, and tire changes. Breakdown Insurance can be purchased as an add-on to an auto insurance policy or as a standalone product. Breakdown insurance aims to help drivers get back on the road as quickly as possible and minimize the inconvenience and expenses associated with a breakdown.

Is car breakdown insurance covered within general car insurance in the UK?

It depends on the specific car insurance policy. Some car insurance policies include breakdown cover as a standard or optional benefit, while others do not. If you are still determining whether your car insurance policy includes breakdown coverage, it’s best to check with your insurance provider or read the policy documents carefully. Sometimes, you can add breakdown coverage to your car insurance policy for an additional premium. Alternatively, you can purchase a separate breakdown insurance policy from a different provider.

Why buy car breakdown insurance in the UK?

Car breakdown insurance covers functions to give support to stranded drivers when their vehicles fail.

Breakdown Insurance can be helpful if you want to avoid paying any expensive fees to tow companies should anything go wrong.

What should be considered with breakdown insurance?

When considering breakdown insurance, there are several factors to keep in mind:

1. Coverage: Ensure you understand what is covered under the policy, including the types of breakdowns, locations, and circumstances.
2. Exclusions: Familiarize yourself with the exclusions in the policy, such as pre-existing mechanical issues or wear and tear.
3. Roadside Assistance: Find out what roadside assistance is provided, such as towing, jump-starting, or fuel delivery.
4. Response time: Check the estimated response time for assistance in case of a breakdown.
5. Cost: Compare the policy’s price with other breakdown insurance providers and consider the potential savings against the cost of not having coverage.
6. Reputation: Consider the importance of the provider and read customer reviews to see what others have experienced with the service.
7. Claims process: Make sure you understand the claims process and what is required of you in case of a breakdown.

It is essential to carefully consider these factors and weigh the benefits against the cost to decide whether breakdown insurance is right for you, alongside your car insurance.

What are the most common reasons for car breakdowns in the UK?

Battery Issues

Batteries can fail due to age, poor maintenance, or leaving lights on, leading to insufficient charge to start the engine.

Tyre Damage or Punctures

Tyres can become damaged or punctured from road debris, poor road conditions, or wear and tear, causing flat tyres or blowouts.

Alternator Faults

The alternator charges the battery while the car is running. Faults can lead to battery drain and electrical component failures.

Starter Motor Problems

The starter motor initiates engine ignition. Faults in this component can prevent the engine from starting.

Clutch Issues

The clutch engages and disengages the gearbox to the engine. Wear or damage can lead to gear engagement problems.

Engine Overheating

Overheating can occur from coolant leaks, radiator problems, or water pump failures, risking severe engine damage.

Fuel Problems

Incorrect fuel, clogged filters, or fuel pump issues can impede engine performance and prevent starting.

Lost Keys

Misplaced or damaged keys can prevent vehicle access or ignition system access.

Gearbox Issues

Problems with the gearbox can lead to difficulty changing gears or complete transmission failure.

Electrical Faults

Wiring issues, faulty sensors, or electronic control unit (ECU) problems can affect various vehicle functions.

Understanding Policy Interaction

Assess how car breakdown insurance interacts with existing coverages, including warranties and manufacturer services, to avoid overlap or gaps in coverage.

International Coverage

Examine if the policy extends to international travel, providing breakdown support outside the UK, which is crucial for those who travel frequently.

Response Times and Service Availability

Investigate the provider’s average response time and the availability of services to ensure quick and efficient assistance during a breakdown.

Please note: SEOPA provide quotes on insuro.co.uk for breakdown insurance. The information contained within this page is for editorial purposes. Any content included on this website is not intended to be financial advice.