Do you know your breakdown cover?

Do you know your vehicle breakdown cover?

Breakdown cover is an essential cost of owning a car as there’s always a chance your vehicle will have mechanical issues while you’re on the road.

Frequently, breakdown cover is included in your car insurance as a benefit of using the insurance company. But do you know what level of breakdown cover you have?

We recently helped a long standing customer out of a tricky spot when they discovered their insurance breakdown cover didn’t include recovery.

They broke down on the motorway around 100 miles from Leicester and were in a bit of spot.

Their recovery company gave them two options:

  1. £400 for recovery to a place of safety or repair garage, or
  2. £700 to fix a simple mechanical fault at the side of the road.

They thought this was a bit expensive so they gave us a call to see if we could help. We arranged for our regular recovery company, Leicester Car Recovery, to recover their vehicle to the VFR Motors workshop for half the price of their AA recovery quote.

The mechanical issue was a broken diesel injector. We fixed this in the workshop very quickly. The complete repair came to less that £300.

Our minimum recommended breakdown cover

We’d always recommend roadside and recovery breakdown cover at a minimum. All the VFR Motors staff have this level of breakdown cover for our personal vehicles.

If your car can’t be fixed, then at least you can get you and your vehicle somewhere you want to be.

Some may even cover onward travel such as taxis, and really high level cover could include a replacement vehicle while yours is being repaired.

Types of breakdown cover

Roadside

Roadside cover means the recovery company will come to you at the side of the road if you break down. If the issue is a simple or easy repair, then your breakdown cover will repair it. This might include a puncture or battery failure.

If it can’t be repaired, they will tow you to a place of safety or their nearest listed garage. The car will be repaired at your expense.

If neither of these is possible, they will arrange for your vehicle to be towed to your house at your expense.

Roadside and recovery / relay

This is usually the next level up. Roadside and recovery is similar to roadside, except they will recover or relay your vehicle to your home at no extra expense.

Again, you are responsible for the cost of any repair to the vehicle.

Roadside, recovery / relay, and at home

This is the most comprehensive level of cover. As with the roadside and recovery level, you will be attended at the roadside and towed home if required.

Plus, if your car fails to start at home, then your breakdown cover also includes attendance at your place of residence.

The distance from home that the lower levels of breakdown cover will attend is usually a mile or so.

Don’t get stuck by the side of the road

If you think this will never happen to you, take a note of how many roadside recovery vehicles you see on a long journey. We regularly drive down to Bournemouth from Leicester and will see around 10 breakdown vehicles along the way.

Don’t let this be you. Check your breakdown cover today.

If your vehicle has recently been recovered after a breakdown and you’re looking for a local car repair workshop, get in touch using our contact form or give us a call on either of these numbers:  0116 3190 118 or mobile  07850 881 911.

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