Breakdown Cover Articles
Do You Get The Same Cover:
Comparing Breakdown Cover Supplied By Insurance
When it comes to breakdown cover, like any other form of service that you purchase, you only get what you pay for. There are major price savings to be earned when you add breakdown and recovery services when you go to renew your annual comprehensive insurance policy. Most of the UK.s major insurance companies have tied up with one or two of the leading national breakdown companies. However whilst there are advantages in this option, especially in the discounts to be taken advantage of, insurance brokers are in business to sell insurance, so you should make sure that you are getting the breakdown cover that you want.
Most of the leading roadside recovery companies openly publish their prices online, allowing a quick comparison of both their prices and services. Before rushing off to sign up for breakdown insurance through your broker, it might well be worth your while to compare prices, and discover if the generous discounts offer apply to the entire range of services that these companies offer, or just a selected few.
To provide a loose indication, here is a chart of the UKs leading breakdown recovery organisations with prices for their range of services.
| Breakdown Provider |
Standard |
Standard and Recovery |
Standard and Recovery plus Homestart |
Standard and Recovery plus Homestart and replacement vehicle |
| AA |
£38.00 |
£72.00 |
£108.00 |
£135.00 |
| Green Flag |
£36.00 |
£66.00 |
£69.00 |
£133.00 |
| Tesco |
£33.00 |
£59.00 |
£79.00 |
N/A |
| RAC |
£33.00 |
£71.00 |
£81.00 |
£106.00 |
| MORE TH>N |
£39.00 |
Quote |
Quote |
Quote |
| Insurance Choice (IC) |
£29.00 |
£49.00 |
£69.00 |
N/A |
| NCI Vehicle Recovery |
£40.00 |
£76.00 |
£100.00 |
£107.00 |
When comparing these prices you will be able to observe that there are no major differences in price at least for the more standard services. When deciding which company you want to work with, and whether you will be arranging your own breakdown insurance or through your broker, you should regard this chart as the roughest of indicators, which should help to present an overall picture of the many services available.
Spend the necessary time online to assess each of these companies, as well as the many others that offer roadside recovery services. The issue can be a very important one, and not to be taken lightly, you may never need a recovery service, if you get lucky or once every two or three years if you go by the law of averages. However when you do need assistance, you need to know that you are placing yourself in the hands of professionals, who care about the company that they work for as well as its customers.
The standard of service that you should be looking for must include maximum call out time, with the standard being no more than forty minutes. Another important issue that should be addressed is whether the roadside service provides a priority service for families travelling with young children, elderly or infirm. These are issues that need to be taken care of when you decide which breakdown cover will suit you best.
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