The changing face of UK auto insurance has seen consumers reap a number of cost-effective benefits in recent years and the numbers of add-ons available are increasing all the time. Amongst the most popular of these is breakdown insurance, with consumers making huge savings on the traditional fees charged when taking direct membership from organisations such as the AA or the RAC.
Breakdown insurance is offered as part of most comprehensive insurance deals and provides the policyholder with varying levels of cover. Roadside assistance is one of the most common add-ons available and supporting organisations that work in unison with the insurance industry are able to provide locally-based patrols to support stricken motorists. In many cases, a patrol can have vehicles back on the road in less than an hour.
If a car can’t be repaired at the scene, breakdown insurance also offers relay services. While the vehicle itself is recovered, a driver and their passengers can be transported via a sequence of patrol vehicles to reach their destination although most breakdown insurance policies will also cover the cost of emergency hotel accommodation if required.
Depending on the terms of the policy, breakdown insurance will also cover the vehicle and the driver for European travel and, in some cases, will even offer recovery for the policyholder if they are involved in a breakdown as a passenger in a non-registered vehicle.
Although consumers have the option to decline breakdown insurance when taking out their policy, the benefits afforded by this valuable inclusion should be seriously considered especially if drivers have large annual mileage expectations.