Breakdown Guides

What’s covered: Me or my car?

If you’re looking for breakdown cover, you’re probably a bit confused about what your policy actually means in practical terms.

Most breakdown policies are very similar in structure, features and benefits - and even price - but one of the major differences you’ll find is that some cover the car and some cover the driver, So which one is right for you?

• What’s the difference?
• What’s covered
• Benefits
• How do I choose

What’s the difference?

If you take out a breakdown policy that covers you as the driver, you’ll be covered even if you drive a different vehicle.

If you take out cover on your car then it will still be covered even if someone else is driving it when it breaks down.

How do I find out what’s covered?

If you haven’t signed up for your policy yet, look through the details the breakdown provider websites or give them a call. Most won’t offer to change what’s covered in their policy and will expect you to be happy with what you’re given, but some will allow you to choose whatever’s convenient for you.

If you already have a policy, read your terms and conditions for details of what’s covered.

What are the benefits of covering my car?

If friends or family share or borrow your car regularly then it makes sense to have the actual vehicle covered. In practical terms, this means that a mechanic will be sent out to tend to your car no matter who’s behind the wheel at the time.

What are the benefits of covering myself?

Covering yourself is a good idea if you regularly drive other people’s cars. Some motoring organisations will even offer help if you’re someone else’s passenger when they have a breakdown. So, if other people don’t use your car, you’ll be better off with this type of cover.

This might also be the best option if your car is more than 10 years old, as this could otherwise push your premium up.

How do I choose a suitable breakdown policy?

If you’re looking for a specific type of breakdown policy, you should be able to find exactly what you’re looking for if you shop around. Don’t just consider the main players in the breakdown services market - The AA, RAC and Green Flag, for instance.

The secret to getting a really good deal - one that caters for your needs and saves you money - is to take a proper look at policies from less well-known breakdown providers, insurance companies, high street banks and internet-based financial services. Many of them use exactly the same network of mechanics, so the quality of service won’t change. The only differences you’ll notice are the level of cover, the type of cover and the size of the bill.

See how much you can save by comparing the latest breakdown deals.
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