Emergency Roadside Repair

We all rely on our vehicles to get us where we want to, and it can be extremely frustrating, not to mention inconvenient if they break down, causing us to miss a vital appointment, be late for work, or spoil our vacation. It's bad enough if the car breaks down in the middle of the city, but it can be far worse if it leaves us stranded and alone in the middle of nowhere.

Fortunately, help is available from a huge range of breakdown insurance companies, who can offer a number of breakdown services, often at very reasonable prices, including assistance for a flat tire, a dead battery, a lockout or a tow.

Policies are usually divided into two categories: vehicle and person. Vehicle cover means that a particular car is covered for breakdown, no matter who is driving it, while person cover means that you personally are covered as the driver or passenger of any car - a useful option if you drive a number of vehicles. You are often given the option to extend this coverage; for example, if you select person coverage you may extend this to joint membership (yourself and another named person living at your home address), family membership (you, and up to 3 other named persons living at your home address) or vehicle membership (anyone who drives the vehicle). These extended options will obviously increase the policy premium.

Once you have decided the type of cover you require, you will then need to select the level. This may range from the most basic entry level plans that simply include roadside assistance if you breakdown away from home, along with a tow to the nearest garage, to the most comprehensive plans, which will provide transport home for you, your car and your passengers, or if necessary, a replacement hire car and overnight accommodation expenses. It's important to work out which of the options offered are important to you, so you can build a breakdown package tailored to your needs.