We all rely on our cars to transport us safely to our destinations on a daily basis, but what would you do if you broke down en route or if your car didn’t start in the morning?
There were around 3.4 million call outs to the AA last year. The majority of these happened in cold weather when cars are more vulnerable to break downs. Freezing temperatures can affect the running ability of your car.
Imagine being stranded in a rural location in icy conditions. We always think it won’t happen to us. Without breakdown cover, the cost of having your car recovered and back on the road again can be very substantial.
The top reasons for cars breaking down are:
- A flat battery, generally caused by leaving the lights on overnight.
- A flat tyre or a blow-out. Tyres should be systematically checked to make sure their pressure is correct. You should also check that your tyre tread is legal.
- Locking yourself out of your vehicle, which is very frustrating if you cannot retrieve your spare keys easily or have lost your keys altogether.
- Running on empty. You should regularly check your fuel gauge to avoid this happening. Avoid the petrol warning light coming on.
- A faulty starter motor. This can be checked when your car goes in for a service at the garage, as a precaution. Spark plugs failing. These should also be systematically checked when you car goes in for a service.
Investing in breakdown cover means that you have the peace of mind, knowing that if your car lets you down, help is available.
Breakdown cover is available as an ‘automatic’ service, meaning that you pay an annual fee for membership and simply call for assistance when you need to. There is a limit on the amount of calls you can make each year.
There are different types of cover available, to suit your needs. Entry level roadside assistance will cover you if you are over a quarter of a mile away from your home, whilst European insurance will cover your for roadside assistance and car repairs when driving in Europe.
Things to consider when investing in breakdown insurance cover
Think about how regularly you drive your car, how old the car is and how many miles it has done, to how you maintain it. For new cars that have regular services and do not cover many miles, entry level insurance may be most suitable. For older cars that do quite a bit of mileage, comprehensive breakdown cover will be the best option, as it includes roadside assistance, recovery of the car, a courtesy car and also accommodation.
You have the option of adding breakdown cover to your car insurance policy or you can invest in this cover separately.
It is a good idea to invest in breakdown cover before the winter comes, so that you can be confident that help is on hand if you need it.