If you're a driver, you've probably asked yourself at some point: do I need breakdown cover? It's a valid question, considering that breakdown cover is an additional expense on top of annual car insurance and taxes. But is it worth it? In this article, we'll discuss what breakdown cover is, its benefits, and when it may be necessary.
Breakdown cover is a service provided by companies that will help you if your car breaks down or has a mechanical failure while you're driving. These services can range from a simple jump-start or tire change to towing your car to a garage for repairs. Prices for breakdown cover vary but usually start at around £30 per year for basic coverage. However, the cost increases with more comprehensive packages.
What are the benefits of breakdown cover?
One of the main benefits of breakdown cover is peace of mind. Knowing that help is just a phone call away in case of an emergency can alleviate stress and anxiety during a roadside breakdown. You won't have to worry about finding a reliable mechanic or being stranded in the middle of nowhere.
Another significant advantage of breakdown coverage is the cost of repairs. If your vehicle needs repair work due to a breakdown, the cost can be quite high. Without breakdown cover, you may be required to pay the full amount, which could run into hundreds or even thousands of pounds. With breakdown coverage, the cost of repairs may be covered up to a certain limit, depending on your chosen plan.
Breakdown cover can also offer added perks, such as accommodation and transportation costs. If your car breaks down while you're on a road trip or far from home, some providers will cover the cost of a hotel or rental car to get you to your destination. Additionally, many companies offer 24/7 assistance, so you can get help whenever you need it, day or night.
When do you need breakdown cover?
There is no definitive answer to this question as it depends on several factors, such as your vehicle's age, condition, and how much you use it. If you drive an older car or one that is prone to mechanical issues, breakdown coverage may be necessary. Alternatively, if you don't have access to a reliable mechanic or are unfamiliar with repairing vehicles, breakdown cover is an excellent investment.
Another factor to consider is your lifestyle. If you are often on the road, whether for work or leisure, breakdown coverage is advisable. Similarly, if you frequently travel long distances or in remote areas, where help may not be readily available, breakdown cover can provide peace of mind.
Finally, think about the financial implications of not having breakdown coverage. If your vehicle breaks down, and you don't have coverage, it could cost you hundreds or thousands of pounds to get the car repaired or towed to a garage. On the other hand, if you have coverage, you may only have to pay a small portion of the total repair cost (or nothing at all, depending on your plan).
Conclusion
In conclusion, the question of whether or not you need breakdown cover is subjective. Many factors need to be considered when making this decision, such as your vehicle's age, condition, and how much you use it. If you're someone who wants peace of mind while driving, or you don't have a reliable mechanic, breakdown coverage is a must.
However, if you're someone who rarely drives or has access to a mechanic, you may be able to forgo breakdown cover. Ultimately, it's up to you to decide whether the benefits of breakdown coverage outweigh the costs. But, when it comes to vehicle breakdowns, it's never a bad idea to be prepared.