Breakdown Cover: Is Car Breakdown Cover Worth It?

car breakdown

Nobody wants to be caught out when their car breaks down – breakdown cover is vital for every driver. This guide will help you navigate the world of car breakdown cover to keep you going on the road. 

Read on to find out what to do if your car does break down, what breakdown cover will look after, and how to get the best prices. 

What To Do In Case Of Car Breakdown

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Before we begin, it’s important you know what to do in the event your car does breakdown. 

Make sure you’re in a safe place – move your vehicle out the way of any traffic if possible. Furthermore, put your hazard lights on. You need to let other drivers know to avoid you. If there is bad weather, make sure to keep your sidelights on too.

Now that your car is out the way as much as it can be, you need to keep yourself safe too. Get behind a barrier if you can – try your best to stay off the road. Additionally, wear something reflective. If you have a high visibility jacket in your car, this is the time to use it. This will help drivers see you and avoid you. 

You may be surprised, but it isn’t safe to use a warning triangle on a motorway. However, if you’re on a normal road the triangle needs to be 45m behind your vehicle. Lastly, whether you’re on a motorway or not, call your breakdown cover company for roadside assistance. 

Take a look at our Emergency Car Kit Checklist to find out what other essentials you should be keeping in your car.

Does Car Insurance Cover Breakdowns?

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Your normal car insurance might cover comprehensive and collision breakdowns, but there are others that probably won’t. 

Mechanical breakdowns are from normal wear and tear on your car. Things like regular services, suspension alignments, tyre rotations, and other maintenance can help to prevent mechanical breakdowns. Because of this, car insurance companies usually won’t cover these standard repairs. 

Some car insurance might cover roadside assistance or vehicle recovery, which is useful, but it’s always useful to check. Car recovery prices on their own can be expensive if you’re not prepared. 

At-home breakdown means you can call someone out to conduct repairs if your car breaks down at your home or nearby.

Onwards travel cover is where your provider will offer you alternative options for reaching your destination. This could be a courtesy car or public transport. They might also pay for any overnight accommodation depending on your policy. 

You should always make sure your insurance suits your needs and is sensible for how much you can pay if your car does breakdown. 

What Is The Best Car Breakdown Cover?

breakdown cover

There are lots of car breakdown cover policies and companies out there, so you should always look to compare breakdown cover prices. 

There isn’t one ‘best’ car breakdown cover – it totally depends on what you can afford and what you think you’ll need. 

Some of the most well-known car breakdown covers are:

  • AA 
  • RAC 
  • Green Flag 

Using price comparison websites to look at how much car breakdown costs and which one will suit you better is a good idea. 

This way, you’ll be able to know what each company offers and can compare this to what your car insurance policy might already cover. 

Does Breakdown Cover Fix Your Car?

Depending on why your car breaks down, your cover should fix your car.

If it’s a reason like a flat battery or a flat tyre, it’s simple enough for a mechanic to fix your car then and there. This means you’ll be back on the road in no time.

If the mechanic can’t fix your car on the side of the road because the problem is too complicated, they’ll get it to a garage for any necessary repairs.

So, How Much Does Car Breakdown Cover Cost?

car breakdown

Basic cover can be as little as £30 a year, but full breakdown cover for a year will cost you more. 

If a company is more reputable, they might charge you more. Rather than be tempted to go for the cheapest possible policy, sometimes it might be a good idea to go with a company you know you can trust. 

Just like car insurance, it’s always worth it to shop around and ask for a cheaper rate. Additionally, you can use a multi-car breakdown policy to save headaches and save money. 

You can look for traditional breakdown cover where you pay annually for your cover, and the money for a call-out will usually be covered by those payments. 

Or, you can look for insurance style car breakdown cover. Insurance style cover is where you pay for the services upfront before claiming any cost back afterward from your provider. 

Is Car Breakdown Cover Worth It?

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If you’ve ever broken down, you’ll know that it can be an incredibly scary and stressful situation. This can be heightened if you breakdown somewhere dangerous like a motorway or in bad weather like the rain or the snow.

Even if you haven’t broken down before, nobody wants to be stuck on the side of the road. Having car breakdown cover can put you at peace of mind. You know you won’t be left stranded on the side of the road and that somebody will be there when you need it. 

Your car insurance will cover you if you get into an accident, but car recovery and repairs usually won’t be covered. Your provider might give you extra help if you get into an accident though. This could help with repairs, vehicle hire, or personal injury assistance. 

Car breakdown cover gives you some extra protection and can save you money. The average cost of a call out from a nearby garage is £80 and a breakdown on the motorway could cost over £150. 

It’s much cheaper to buy a year’s policy in preparation than to be forced to call someone out, it also helps to reduce stress in a breakdown. 

How FairSquare Can Help

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To summarise, car breakdown cover is an important thing to have. It will give you peace of mind if you do breakdown and it can save you money in the long run. Most importantly though, it helps to keep you and your car safe.  

Buying breakdown cover should be one of the first things you do after buying a new car. For a selection of the best used and new cars in the UK, take a look at FairSquare.

FairSquare has a huge selection of cars to choose from. Therefore, you will be able to buy the right breakdown cover that is tailored to your needs.

Lastly, we make sure that all of our cars have been quality checked before they are sent to you. With the choice of thousands of cars, you’ll be able to feel confident that your car will keep on going!

To help keep your car in good health, check out some of our maintenance guides such as How To Keep Car Battery Charged When Not In Use or How Often Should You Service Your Car? Our Guide. 

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