Personal breakdown cover is an insurance policy that provides uk roadside assistance and recovery cover for the policyholders in any vehicle they are travelling in. If the driver does not have their own car insurance coverage, then your insurance will provide the coverage. If youre a driver, theres a high probability that at one time or another youve found. Policies sold on are based on vehicle cover rather than personal cover. This guide reveals the best ways to cut the cost of breakdown cover, including tips on how haggling can help. It sounds great, especially if you have a few family members that need to use the vehicle. Your green flag breakdown cover includes cover for any caravan and trailer youre towing up to a weight limit of 3. As well as giving you the protection you need out on the roads, youll find we have some of the most competitive prices in the market. Just select the lever of cover you want, give us a few of your details, and within minutes you can get behind the wheel knowing well be there to help if you break down. If you have auto insurance and you get into an accident while driving someone elses car, your own plan may act as secondary coverage. Vehicle cover one or more vehicles with any driver.
This covers you whether you are the driver or a passenger in your, or anyone elses car. Car breakdown cover comparison compare breakdown cover. Make sure your car keys are covered in case theyre lost, stolen or accidentally locked inside your vehicle. The policy holder is covered if the car they are driving breaks down but also if they are a passenger in another car, driven by someone else. You must understand whether personal breakdown cover is the correct policy for you and you are fully aware of the policy terms and conditions. Cover cannot be bought for a vehicle that is already broken down and a breakdown that happens in the first 24 hours after purchase or the first time will not be covered. Regular car insurance does not cover the cost of vehicle repairs or maintenance, such as oil changes or engine tuneups.
This can be useful for families or those with multiple cars. However cover will be extended anyone driving the covered car provided they have your permission and the appropriate. Its ultimate peace of mind, and you can add it to your vehicle breakdown cover from just. In addition to roadside assistance, autoaid breakdown also provides cover for caravans and small. However, if your auto insurance policy includes the benefits of collision. Although it still sells itself as a members organisation its full name is the guild of experienced motorists it is open to most drivers and operates like many other breakdown cover providers. As most drivers break down at some point during their motoring lives, many therefore feel that breakdown cover which provides roadside assistance at any time of the day or night. If you own a business with delivery vehicles, its more efficient to have an any driver policy than spend time sorting cover for every new employee. Well cover an individual in any vehicle or cover the vehicle, no matter whos driving it. Any driver car insurance basically means that anyone can drive your car.
Does breakdown cover protect my car or me as a driver. Caravans and small trailers are covered when attached to the vehicle. Personal breakdown cover be covered, whatever the vehicle. In theory, personal cover should cover the policy holder in any vehicle they are present in at the time, though you should always check the terms and conditions of your breakdown cover. Multicar breakdown cover is a type of breakdown cover that lets you add two or more cars to a single policy. Youre even covered as a passenger, not just a driver. Local cover will allow you to be recovered to a destination no more than 20 miles from the location where you break down national cover, if your vehicle cant be fixed at the roadside or at a local garage, your vehicle and passengers may be taken to any mainland uk destination european cover provides cover in europe up to a maximum of 31 days at a time or 90 days in a policy year.
However, if you, as a driver, are driving a different car and it breaks down, you are unable to avail yourself of your breakdown cover. European cover can provide those using their car abroad with the. The advantage of taking out cover in your name is that it protects you whatever vehicle you are in when you breakdown whether or not you are driving it. When taking out breakdown, you need to decide whether you want the policy to cover you as an individual, or if you want it to cover your car.
Compare cheap car breakdown cover compare the market. Cover cannot be bought for a vehicle that is already broken down and a breakdown that happens in the first 24 hours after. To find the best breakdown policy for your older car, think about the level of cover you want. Put simply, this means that youre buying breakdown cover for a vehicle, and that any valid driver behind the wheel of the car when it breaks down can call for assistance.
Compare breakdown cover from some of the uks biggest providers like axa, rescuemycar and. Vehicle cover is to a single vehicle when driven by any driver and the price is based on the vehicles age and how many miles the vehicle has done. With standard roadside assistance get access to our free online breakdown recovery tool erescue and help if you losedamage your keys giving you the protection you need. National recovery is another level of breakdown cover that will often include recovery to a garage anywhere in the country and may include recovery of the driver, the passengers and the car to any uk address. Prices tend to be higher than with vehiclebased policies because risk is more difficult to quantify. Vehicle breakdown cover provides cover for a vehicle rather than a person. At green flag we have a massive range of recovery vehicles available and you can be confident that if we cant repair your vehicles at the roadside, we can get you, your car and your caravan or trailer moving again in no time. Our vehicle breakdown insurance policy is designed to cover the vehicle, not the purchaser and as a result, you can only cover one car per policy.
Get easytobuy, lowcost breakdown cover that gets you properly protected and back on the road quickly, with our insurance partner axas breakdown cover. Whenever and wherever it happens, breaking down in the car is stressful and inconvenient. Multicar policies allow you to add a specified number of different cars at the same address to the same policy. European breakdown cover should your car break down when youre driving in mainland europe. Breakdown cover can be paid for monthly or annually. If the named car breaks down, anyone driving that car is able to call out for roadside assistance and recovery. Best breakdown cover 2019 our latest driver power survey reveals the best car breakdown cover providers for coming to the rescue in a roadside emergency. Too many people autorenew breakdown cover and pay over the odds. And breaking down without cover can be an expensive business, particularly if youre far from home so buying cover normally works out.
Personal breakdown cover provides cover for a named driver rather than a vehicle. Age co motor breakdown insurance is provided by call assist ltd. Top 10 breakdown cover for older cars 10 years or older. Its often available as one of the cheapest options. At green flag we have a massive range of recovery vehicles available and you. Does auto liability insurance follow the car or the driver.
If the driver of your vehicle has their own auto insurance coverage, then that insurance will be required to pay first. Rac personal breakdown membership covers you as a driver or a passenger in any vehicle, and you can add up to four other members to the policy. Put simply, this means that youre buying breakdown cover for a vehicle, and that any valid driver behind the wheel of the car when it breaks down can call for. So, if youre in a vehicle that breaks down, youre covered for roadside assistance and recovery services. You should be aware of any possible exclusions that are part of your policy, as these can void your claim for breakdown cover.
It could be the perfect type of breakdown cover for you if you drive more than one car regularly. Family and multicar breakdown cover family breakdown covers multiple drivers sharing the same address as you. With this option, youll be covered in any vehicle that meets the policy specifications and you can claim whether youre the driver or a passenger. With personal cover, if you break down in any vehicle well come to the rescue. Compare breakdown cover for older cars know your money. Here are some more great reasons to choose green flag. However this can be a headache for insurers as to them, youre basically letting complete strangers drive your. Car breakdown cover roadside assistance asda money. Personal breakdown cover is a form of breakdown insurance that covers a named person instead of a specific car. Always selling full cover not only means that we know our clients are always going to be assisted, it also helps us keep our administration and underwriting costs down, this along with our high ranking presence on the internet means we can give full cover at an affordable price without compromising quality of service. Compare vehicle breakdown cover vehicle breakdown cover. Does auto insurance cover any driver that drives your car. With autoaid breakdown, youll be covered in any eligible vehicle youre driving at the time of the breakdown.
Some breakdown companies will not cover vehicles over 16 years old, but others can protect cars of any age. You can also find family breakdown policies that cover all members of your family in any vehicle theyre travelling in, whether they were driving. Award winning uk car breakdown and recovery cover from. Its useful for households and families with multiple cars registered to their address, as it can often work out cheaper and less complicated than taking out. This can be anyone that has your permission, like family and friends. Personal breakdown cover can be valuable if you regularly travel in different cars. Personal breakdown cover tends to be more expensive than vehicle cover. Gem motoring assist launched in 1932 as a club to reduce the growing number of accidents on britains roads. If you break down on private land, your provider may refuse to tend to your vehicle. So, if youre driving your partners motor or just getting a lift from a friend, youre covered if anything goes wrong. Gem motoring assist breakdown cover bought by many.
A green flag policy covers the vehicle, no matter whos driving. Personal breakdown cover is attached to you as the driver and, subject to the terms and conditions, could protect you no matter what vehicle youre behind the wheel of. This is a title may suggest is aa breakdown cover but for your vehicle this means you get to choose a vehicle and its covered for anyone who drives it this does mean if you choose vehiclebased cover and youre in your friends car and it breaks down you will not be covered. This can provide breakdown cover if youre the driver or passenger in either your own car or another vehicle. Any driver car insurance is sometimes worth the expense usually for business purposes, such as fleet vehicles or driving schools. Vehicle breakdown cover is often cheaper than personal breakdown cover. Get breakdown cover for your car, van or motorbike that suits your needs and budget by comparing policies from multiple providers at.
And as we cover any legally recognised spouse free of charge, our policy is perfect for couples with access to more than one vehicle. When you take out a breakdown policy with us, you can choose to cover. Available to add to any of our uk breakdown policies on cars less than 16 years old. However, vehicle cover can be cheaper for drivers with only one car or anyone sharing a car and will generally cover the car regardless of who is driving it so long as they meet the policys general. With personal cover, if you break down in any vehicle under 16 years old, well come to your rescue. In this respect it differs from vehicle breakdown cover, which is tied to a particular vehicle. Cover for vehicles of any age as long as they are in a roadworthy condition. Check the policy carefully to make sure your classic car is covered. Families may want to consider multicar policies as an alternative. Personal breakdown cover is attached to you rather than to a particular car. With our range of cover options, youre sure to find the right breakdown cover at a great price. Driver guardian break down cover driven by our members. Car breakdown cover from road rescue ireland offers a reliable and excellent value roadside assistance and recovery service for cars and motorcycles in ireland our customers have access to car breakdown cover through a rescue and recovery network comprising of over 500 specialist operators and over 4,500 service and recovery vehicles, throughout the uk and the republic of ireland, each one.