Tag: Breakdown cover

Should You Buy Breakdown Cover with Your Car Insurance?

Posted on by Cheap Car Insurance

Introduction

Did you know that most car insurance policies won’t cover a breakdown caused by wear and tear?

This is where breakdown cover comes in.

You can either add it to your car insurance policy or buy it separately from a third-party provider.

But which option is better for you?

When it comes to staying on the road, car insurance is essential.

Now, let’s dive in.

What Car Insurance Covers vs. Breakdown Cover

Most people assume that comprehensive car insurance covers everything.

In reality, it doesn’t.

Car insurance is designed to protect you in accidents.

It covers costs like vehicle repairs, third-party damages, and personal injury.

But breakdowns are a different story.

If your car won’t start due to wear and tear, insurance won’t pay for roadside assistance or towing.

This is why breakdown cover exists—to help you when your vehicle lets you down.

Only 10 out of 76 car insurance policies analysed this year included breakdown cover as standard.

Providers like NFU Mutual and M&S Premier offer more comprehensive policies, but they come at a premium.

If your current insurance doesn’t include breakdown cover, you’ll need to decide whether to add it on or purchase a separate policy.

Insurer vs. Third-Party Breakdown Cover

Here’s a common dilemma for drivers:

Should you buy breakdown cover through your car insurance provider or go with a third-party service like the RAC or AA?

According to our survey, 8% of drivers chose to bundle breakdown cover with their car insurance.

There are advantages to bundling:

It’s convenient and can save you from paying extra admin fees.

However, convenience isn’t everything.

Policies from third-party providers are often more comprehensive, offering features like unlimited callouts.

This isn’t always the case with insurance add-ons. Some insurers limit you to just one callout per year.

So, if you value peace of mind, shopping around for a standalone policy could be the smarter move.

Number Of Callouts Per Policy

How many callouts does your breakdown policy allow each year?

This is a key question to ask before purchasing cover.

Some providers, like the AA, offer only one callout per year when breakdown cover is added to car insurance.

This might be fine if your car is brand new and rarely gives you trouble.

But for older vehicles, you could quickly find yourself without support after just one incident.

In contrast, most third-party providers—including the RAC and Green Flag—offer unlimited callouts, except for a few, such as Aviva.

If reliability is a priority, it’s worth looking into these options.

Where You Are Covered

Picture this: your car won’t start—right on your driveway.

Many drivers don’t realise that basic breakdown cover might not help in this situation.

Some policies only provide roadside assistance if you’re more than a quarter of a mile from your home.

This is where Nationwide Recovery and Home Assistance come into play.

These services cover you no matter where your car breaks down, including right outside your house.

Planning to drive in Europe?

You’ll need European breakdown cover for full peace of mind abroad.

Interestingly, one of our Which? Recommended Providers offers nationwide and home recovery for less than £40 per year—a worthwhile investment if you drive regularly.

Vehicle vs. Personal Breakdown Cover

When buying breakdown cover, another crucial decision is between Vehicle and Personal cover.

Vehicle cover applies only to the insured car. It’s suitable if multiple people in your household drive the same car.

This type of policy can cover up to five named drivers.

But what if you own more than one car or occasionally borrow a friend’s vehicle?

That’s where Personal cover comes in.

It covers you no matter which car you’re driving or riding in.

For families with multiple cars, this option can be more flexible and cost-effective.

Service Quality And Reliability

Breakdowns are stressful enough without poor service.

You need a provider you can trust to show up when things go wrong.

However, not all car insurers operate their own breakdown services.

For example, Aviva partners with RAC, creating bespoke policies for their customers.

In a recent survey of 9,000+ drivers, we rated 15 third-party providers on response times, reliability, and overall customer satisfaction.

Providers like Green Flag and RAC scored highly for delivering quick, efficient service.

Before committing to a policy, it’s wise to check reviews to ensure you’ll get the help you need when you need it most.

Do You Already Have Breakdown Cover?

Here’s something many drivers overlook: you might already have breakdown cover.

Some packaged bank accounts include breakdown services along with other perks like travel insurance.

However, these accounts can be expensive.

The annual fees often exceed the cost of a standalone breakdown policy.

If you’re not using the additional benefits, paying for one of these accounts may not make financial sense.

Always check your existing policies before buying additional cover—you could save hundreds of pounds by avoiding duplicate services.

Conclusion

Breakdown cover is a critical part of protecting yourself on the road.

Since car insurance doesn’t cover breakdowns caused by wear and tear, you’ll need to weigh your options.

Should you add breakdown cover to your car insurance or buy a separate policy from a third party?

Bundling can save on admin fees but may limit your callouts and coverage options.

Standalone policies often provide unlimited callouts, better service, and more comprehensive coverage.

Make sure to compare features like callout limits, home assistance, and personal vs. vehicle cover.

And don’t forget to check if you already have cover through a packaged bank account or other service.

Ultimately, understanding your needs and options will help you avoid being stranded—and stuck with a hefty bill.

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Can You Get Multi Car Breakdown Cover?

Posted on by Cheap Car Insurance

Introduction

Multi-Car breakdown cover…

Are you juggling multiple car insurance policies?

Well, there’s a smarter way!

Today, let’s delve into and explore the realm of Multi Car Breakdown Cover.

It’s not just convenient.

It’s also a wallet-friendly choice for UK drivers.

Why should you consider it?

Let’s break it down:

Firstly, it simplifies insurance by covering up to 3 vehicles under a single policy.

Secondly, this approach offers significant cost savings.

Additionally, it ensures consistent coverage across all your vehicles.

Lastly, the policy provides flexible coverage options to suit various needs.

So, buckle up!

We’re about to explore how multi-car breakdown cover can transform your insurance experience.

What is Multi-Car Breakdown Cover?

Multi-car breakdown cover is a policy where you can insure multiple vehicles under a single plan.

It’s perfect for households with more than one car.

Picture this scenario:

With just one policy, you have a single renewal date, and all your cars are comprehensively covered.

Simple, right?

Learn more about car insurance options.

Cost Savings With Multi-Car Breakdown Cover

When it comes to insurance, saving money is always a priority.

With multi-car breakdown cover, you’re in for some serious savings.

It’s often cheaper than insuring cars separately.

Plus, it’s a convenient choice for families or shared households.

Discover very cheap car insurance.

Consistent Coverage Across Vehicles

One of the biggest perks?

Emphasising consistency, each vehicle added to the policy receives the same level of coverage.

Consequently, this uniformity eliminates any confusion regarding the insurance specifics for each car, providing a sense of relief, doesn’t it?

Whether it’s your daily commute car or the family SUV, they’re all equally protected.

Multi-Car Breakdown Coverage Options: Tailored to Your Needs

Multi-car policies come in different shapes and sizes.

Basic, Extra, and Complete – each level offers unique benefits.

Basic might cover roadside assistance, while Complete could include nationwide recovery and at-home services.

It’s all about what suits your lifestyle.

Understand comprehensive vs third-party insurance.

The Add-Ons: Extra Peace of Mind

Want more from your policy?

In response to additional coverage needs, add-ons present a suitable solution.

Particularly, options such as Onward Travel and Battery Replace can prove to be invaluable in urgent situations.

Therefore, consider these add-ons as a reliable safety net within your insurance plan.

Explore additional car insurance services.

Real-Life Benefits: Stories from the Road

Have you ever pondered how multi-car breakdown cover functions in everyday situations?

To gain a clearer perspective, let’s listen to the experiences of those who have benefited from it firsthand.

Importantly, these stories are more than mere anecdotes.

In fact, they serve as tangible evidence of the policy’s value.

Read more about multi-car insurance benefits.

Multi-Car vs. Individual Policies: The Smart Choice

What’s better – multiple individual policies or a single multi-car cover?

The answer lies in understanding your unique needs.

But generally, the multi-car option emerges as the more streamlined and cost-effective choice.

Why settle for less when you can have more?

Compare different car insurance types.

Picking the Right Cover: Tips and Tricks

Choosing the right level of multi-car breakdown cover can seem daunting.

But it doesn’t have to be.

Here’s a quick guide to making an informed decision.

Remember, the right cover is the one that aligns with your vehicles’ needs and your lifestyle.

Ready to make a choice?

Learn how insurance companies calculate insurance.

Understanding Policy Exclusions

It’s not just about what’s included.

Knowing what’s not covered is equally important.

Starting with issues like wear and tear and extending to intentional damage, it’s critical to be mindful of the policy exclusions.

Moreover, possessing this knowledge is a fundamental step in preventing unexpected surprises in the future.

Informed decisions make for better coverage.

Discover more about policy exclusions.

Regular Reviews: Keeping Your Policy Updated

Life changes, and so should your insurance.

Periodically reassessing your multi-car breakdown cover is essential to maintain its relevance to your changing needs.

Notably, significant changes such as acquiring a new car or alterations in your driving habits can substantially influence your coverage necessities.

Is it time for a policy review?

Explore the importance of regular insurance reviews.

The Claims Process: What to Expect

In case of a breakdown, being acquainted with the claims process can significantly alleviate stress.

Importantly, your focus should be on finding a process that is quick, efficient, and user-friendly.

Familiarising yourself with each step, from the initial contact to the completion of the service, is crucial.

Ultimately, being prepared is vital in effectively handling such situations.

Get insights into the claims process.

Conclusion

Selecting the appropriate multi-car breakdown cover can significantly transform the experience of managing multiple vehicles.

Furthermore, it’s not merely a policy; it represents a dedication to ensuring peace of mind and demonstrating financial savvy.

Whether it’s the convenience, the savings, or the comprehensive coverage, this option ticks all the right boxes.

Why not explore it for your fleet?

For further insights and guidance, check out our blogs on classic car insurance and [over 50 car insurance](https://www.cheapcarinsurance.co.uk/over-

50-car-insurance/). Stay informed and make the best choice for your vehicles.

Remember, insurance isn’t just a necessity; it’s a smart move towards protecting what matters to you.

Take the next step towards smarter, more efficient car insurance management today.

Unlock the secrets of car insurance in the UK.

 

Is Breakdown Cover Worth It?

Posted on by Cheap Car Insurance

Introduction

Is Breakdown Cover Worth It?

Driving on the UK’s bustling roads?

Ever found yourself pondering the value of car breakdown cover?

Now, imagine this: Stranded on the side of a busy motorway, rain pouring, cars zooming past.

  • Firstly, the financial implications of not having breakdown cover.
  • Secondly, the peace of mind with protection.
  • Additionally, benefits for specific groups, like frequent travelers.
  • Lastly, pros and cons of European breakdown cover.

The Importance Of Being Prepared: Highways England’s Data

Seen Highways England’s recent report?

It painted a startling picture.

With over 224,000 car breakdowns, incidents aren’t rare.

Now, picture being one of them on a chilly winter night.

Moreover, it’s not just about having a spare tyre.

Furthermore, it’s ensuring you’re not stranded without help.

A Costly Necessity Or A Wise Investment?

Think owning a car in the UK is pricey?

On top of that, add tax, MOT, fuel, and those repair bills.

Considering another cost, like breakdown cover, seems excessive, right?

But, on the other hand, consider this:

Compare a potential £250 mechanic call-out to a £50-£100 annual breakdown cover fee.

So, the maths is simple, isn’t it?

In contrast, one incident without cover can cost thrice the yearly breakdown cover subscription.

Therefore, it looks less like a luxury and more like a financial decision.

Where To Look

However, wait a second.

You might already be covered.

Many car insurance policies offer some breakdown cover.

And, surprisingly, that’s not the only source.

Possibly, got a premium bank account?

It might come with breakdown services.

Some car manufacturers even throw in a year or two of breakdown cover with a new purchase.

Thus, it’s always worth a look.

Why pay twice for the same service?

The Ideal Candidates 

Is breakdown cover for everyone?

While it has its merits, assess its value based on your situation.

For instance, living in a city and driving short distances?

Or, conversely, reliant on your car in the countryside?

Also, think about your car’s age.

Older cars break down more often, right?

Especially if you’re a frequent long-distance traveler.

The more road time, the higher the risk.

Breakdown cover isn’t one-size-fits-all.

It’s about your needs, risks, and potential costs.

Hence, informed decisions offer peace of mind, safety, and wise financial choices.

European Breakdown Cover: Crossing Borders?

Planning a scenic drive through the French Riviera or a tour of the German autobahn?

But firstly, there’s something you might’ve overlooked: European breakdown cover.

It’s distinct from the standard UK cover, you see.

Importantly, when abroad, unfamiliar roads and rules can prove challenging.

Plus, consider the language barriers. Speaking fluent car jargon in English is one thing, but in French or German? That’s another ball game.

So, while the UK cover could help locally, it’s not universally valid.

Thus, if your travels often lead you to continental Europe, it’s certainly worth considering an additional European cover.

If you’re considering longer trips, perhaps also consider multi-car insurance. Is it cheaper in the UK?

Do You Really Need It? Weighing The Odds

Here’s a curveball: Not everyone might need breakdown cover.

Surprised?

Let me elucidate.

If you’ve got a brand-new car, the odds of a sudden malfunction are pretty slim. Similarly, for those who hardly venture beyond their local supermarket, the perceived need drops further.

Furthermore, certain occupations provide added assistance. Heard of teachers getting school assistance for on-site breakdowns?

Then there’s the geographical element.

If you’re in a bustling city like London, the likelihood of nearby assistance is high.

However, traverse the remote Scottish Highlands, and the narrative changes.

Hence, while having a cover is universally beneficial, its degree of necessity varies.

Peace Of Mind: The Intangible Benefit

Above all, the psychological comfort breakdown cover provides is unparalleled.

Ever been on a long journey, kids in the back, and thought, “What if?”

That niggling worry? It dissipates with breakdown cover.

Sure, finances matter.

But the assurance that you’re not alone, even in the dead of night, on a desolate road? That’s priceless.

Especially if safety is a top priority.

Breakdown cover, in essence, is about marrying practicality with peace of mind.

While cost-saving is a tangible benefit, the intangible ease it brings to every drive? It’s arguably its most significant selling point.

So, is breakdown cover worth it?

Given the facts and potential scenarios, it seems like a resounding yes for most.

However, it’s pivotal to weigh personal circumstances, car condition, and driving habits before making the final call.

Conclusion

Making the Smart Choice for Your Needs

Breakdown cover isn’t a legal requirement, but its value shouldn’t be underestimated.

Whether it’s avoiding costly call-out charges, getting support in remote areas, or ensuring help is at hand for that European road trip, the benefits are tangible.

Check if you already have cover, consider your vehicle’s age and your travel habits, and weigh the pros and cons.

And remember, peace of mind comes with knowing you’re covered, no matter what the road throws your way.

Remember, every driver’s situation is unique. Your need for breakdown cover might differ from another’s, but the essence of being prepared and secure on the road remains universally beneficial.

Safe travels!

Discover more about car insurance options on our blog, and don’t forget to check out our tips for young drivers and information on electric vehicle insurance.

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Over 50 Car Insurance

Posted on by Cheap Car Insurance

Introduction

Over 50’s Car insurance…

If you’re over 50 and hunting for car insurance…

There’s good news on the horizon.

Your golden years might be your golden ticket to the best car insurance rates in the UK.

Perks of being 50+: They’re more than just senior discounts.

Experience on the road: It translates to £££ saved.

Comparing quotes: It’s your secret weapon.

Advantages Of Over 50’s Car Insurance

Age has its benefits. Especially when it comes to car insurance. Wondering how?

Experience

You’ve been on the road for years, maybe decades. Insurers notice that. They see you as seasoned, not prone to rookie blunders.

Less Risk

Remember the days of risky driving? If you’re over 50, probably not. No more hasty overtakes or pressing the pedal to the metal. Just safe, cautious driving.

Stable Living

Older drivers often have a settled life. One job, one home, fewer claims. Insurers appreciate that.

Curious about other benefits?
Find out more here.

Cost Efficiency & Statistics – How Much Is Car Insurance For The Over 50’s?

Experience isn’t just about wisdom…

It’s also about potential savings.

Did you know?

A whopping 51% of those over 50 could bag car insurance premiums of less than £387 annually.

Meanwhile, the average Joe? They’re looking at a premium of around £743 per year.

Being in the over-50s group, you’re not only wise but also poised for some serious savings.

Want a deep dive into the numbers?

Check these stats out.

Importance Of Quote Comparisons For Over 50’s Car insurance

You’ve got age on your side.

You’ve got stats backing you up.

What else?

The power of quote comparisons.

Variety: Each insurance provider plays the game differently. Algorithms, calculations, offers… By shopping around, you unlock the best deals crafted just for you.

Discounts? They’re there: Some insurers roll out the red carpet for older drivers. Compare, and you’ll spot these golden offers.

Ease of Comparison: Platforms like Cheap Car Insurance are game-changers. Type in your details, and voila! Quotes galore.

And remember…

Loyalty is precious. But in insurance? Exploring your options is priceless.

Alright, let’s delve deeper into the topic and expand on our existing content.

Delving Deeper: Over 50s Coverage Options

As we venture further into the world of Over 50s car insurance…

It’s essential to understand your coverage options. Why? Not all policies are created equal.

Third-Party vs. Comprehensive

Third-party insurance is the bare minimum. It covers injuries to others and damage to other vehicles. But, it won’t pay out for damages to your car.

Comprehensive insurance, on the other hand, is the full package. Accidental damage, theft, and even windscreen cover. It offers peace of mind.

So, which is right for you?

Remember:

The cheapest isn’t always the best. Go for value, not just cost.

Read more on this topic here.

Bundled Extras Worth Considering:

No Claims Bonus Protection: Built up a hefty no-claims discount? Protecting it might be a wise choice.

Breakdown Cover: Car trouble in the middle of nowhere? It’s a peace-of-mind add-on.

Legal Expense Cover: This covers legal costs if you end up in a court case after an accident.

By 50, you’ve likely had some adventures on the road. Using that experience to tailor your coverage? That’s just smart shopping.

The Over 50s Discounts: What’s In Store?

By now, you know age has its car insurance perks. But did you ever stop to ponder…

Just how many discounts are at your fingertips?

Limited Mileage Discounts: Retired? Working from home? If you’re driving less, there might be savings in store.

Advanced Driver Discounts: Undertaken an advanced driving course? Some insurers give you a nod for that extra effort.

Club Memberships: A part of an official car club or association? Some insurance companies offer special discounts.

Multi-Car Policies: More than one car in the family? Consider bundling them. You could save a penny or two.

Find out more about this here.

Expert Advice: Avoid The Renewal Trap!

Automatic renewal sounds easy, right?

But here’s a little insider tip.

Avoiding auto-renewal can be your pocket’s best friend.

Why?

Insurers often reserve their best deals for new customers. Sticking with the same company year after year? You might be missing out.

The Solution?

Simple.

Shop around.

Use platforms like Cheap Car Insurance.

Compare. Analyse. And make an informed decision.

Yearly rituals can be comforting. But when it comes to insurance, shaking things up can be beneficial.

In Conclusion

Navigating the car insurance world post-50 isn’t about settling. It’s about using your age, experience, and wisdom to your advantage.

From tailored coverage options to an array of enticing discounts…

You’re in a prime position to secure not just cheap, but valuable car insurance. All it takes is a little research and a lot of smart decision-making.

Considering car insurance for other demographics or vehicle types? Check out these insightful articles:

Safe driving and happy savings!

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