BREAKDOWN INSURANCE
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Coverage Types
There are two types of breakdown insurance available.
Standard breakdown cover
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Coverage Options:
a) Personal Cover: With personal breakdown cover, the policy holder is covered in any vehicle they are traveling in, whether they are the driver or a passenger.
b) Vehicle-Based Cover: Vehicle-based breakdown cover is specific to a nominated vehicle. This means that the chosen vehicle is covered, regardless of who is driving it.
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Annual Fee:
Policy holders pay an annual fee for standard breakdown cover, and this fee covers breakdown assistance for the duration of the policy year. This fee can vary based on the level of coverage and the provider.
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Exclusions:
Most standard breakdown cover policies have limitations and exclusions. For example, they may cover the cost of roadside assistance for the first 60 minutes of labor, but additional labor time and the cost of replacement parts may not be included.
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Parts Coverage:
If you want coverage for the cost of replacement parts needed to fix your vehicle during a breakdown, you may need to opt for a more comprehensive policy, which often comes with a higher premium. Additionally, some policies may require an excess payment for each claim.
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Claims Process:
In the event of a breakdown, policy holders can contact their breakdown provider's hotline for assistance. The provider will dispatch a mechanic or recovery vehicle to the breakdown location to assess and, if possible, repair the vehicle.
Pay and claim coverage
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Service Provision:
Unlike standard breakdown insurance, where many providers operate their assistance services, pay and claim cover often involves contracting services to local breakdown providers. These local providers may include independent mechanics or recovery services.
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Upfront Payment:
When a driver experiences a breakdown and requires assistance under pay and claim cover, they must typically pay for the service upfront to the local provider. This payment is made directly to the service provider at the time of the breakdown.
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Reimbursement:
After paying for the breakdown service, the policy holder is responsible for collecting all relevant receipts and documentation related to the service provided. These documents are then submitted to the insurance company for reimbursement.
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Cost Savings:
Pay and claim breakdown cover is often considered a cost-effective option, as the annual premium is typically lower than that of standard breakdown insurance. Policy holders may find that they save money by choosing this type of coverage.
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Claims Process:
In the event of a breakdown, policy holders under pay and claim cover typically contact the breakdown assistance service directly. They receive the necessary assistance but must pay for it upfront. The policy holder must then file a claim with their insurance company for reimbursement.
Components of Breakdown Insurance Policy
Roadside Assistance: This is a fundamental component of a breakdown insurance policy. It provides assistance to drivers when their vehicle breaks down away from their home. When the driver contacts the breakdown company, a service provider is dispatched to the location to provide assistance. Typically, there's a minimum distance requirement for qualifying for roadside assistance, often around a quarter of a mile (400 meters) from the driver's home.
Vehicle Recovery: If the issue with the vehicle cannot be fixed at the roadside, vehicle recovery comes into play. In such cases, the vehicle is towed to either the driver's home or the nearest garage. The specific destination depends on factors such as proximity and the policy's terms. Some policies allow the policy holder to designate the preferred location.
Home Assistance: Home assistance is an optional feature offered by some breakdown insurance policies. It provides coverage for breakdowns that occur at or near the driver's home. This means that assistance will be provided even if the vehicle doesn't break down far from the driver's residence.
Here are some key factors that influence the price of breakdown cover:
Level of Cover: The extent of coverage you choose plays a significant role in determining the cost. Basic roadside assistance is typically the most affordable option, while more comprehensive policies that include features like home start, onward travel, and European coverage will be more expensive.
Vehicle Type: The type of vehicle you have can affect the price. Different types of vehicles, such as cars, motorcycles, or vans, may have different premium rates.
Vehicle Age: The age of your vehicle can also impact the cost. Older vehicles may be more prone to breakdowns and may result in higher premiums.
Location: Your geographical location matters. Living in a rural area with limited service providers or in an area with a high breakdown rate can lead to higher premiums.
Personal or Vehicle-Based Cover: Some policies offer personal cover, which protects you no matter which vehicle you're in, while others are vehicle-based, covering a specific vehicle. Personal cover is generally more expensive.