Breakdown cover is a service provided by insurers which you can buy so that you can call for assistance should your vehicle break down.
The most basic of policies, which should at least provide you with assistance at the roadside to try to fix your vehicle, start from around £25 and will cover you for a period of 12 months.
Like any insurance product, you pay a breakdown cover provider an annual premium so that they take the risks associated with the cost of breaking down away from you. This means that if you buy breakdown cover but don’t use it during the year, you won’t get your money back.
However, the question you will need to ask yourself when trying to decide whether or not to buy car breakdown cover is how much would it cost you if you broke down and didn’t have it?
You can now get the answer to this question by using the new compareandsave.com Breakdown Calculator.
To put things in perspective, if you broke down you are likely to have to pay at least a £50 callout charge. This £50 could buy you a basic breakdown cover policy for two years or a more comprehensive policy for one year.
This £50 callout charge is purely the cost you would pay for an independent recovery contractor to come out to help you. You would then have to pay to be towed at a return mileage rate, at an average cost of £1.50 per mile, which means you pay for the recovery contractor from when he leaves his depot until he returns.
As you can already see, the cost of one breakdown without breakdown assistance could buy you several years’ worth of basic cover. If you break down more than once in a year, you would be set to save even more by having car breakdown cover, because a basic policy will usually allow you to call for help anywhere between 3-7 times in a 12 month period (if the maximum number of callouts is reached in one year the provider may restrict the number of callouts allowed the following year).
Click the link to compare breakdown cover
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