It is never any fun to have your car or truck stall along the road. If you are in an accident, there are well-known policies available to help take care of expenses and repairs. But those policies do not cover simple mechanical failure.
Like an Extended Warranty
Breakdown cover works like a hands-on, personalized extended warranty by getting someone who is mechanically knowledgeable to your location, calling a van with a mechanic and parts if needed, or simply bringing needed supplies such as gasoline or a tire. It can save your day, especially if you are on your way to work or to an important appointment.
The best way to make sure that you can get a breakdown roadside assistance policy is to apply for one before your first warranty runs out. Next, be sure to renew it at the same time that you purchase an extended warranty. The two often work together, right along with gap insurance, to help you to be prepared for any sort of transportation contingency.
Coverage for Your Location
Insurance policies requirements vary from location to location, especially if you will be crossing national borders during your drive. If you travel regularly or even if you are just going on vacation, be sure to check with your agency to make sure that your cover will work in all pertinent locations.
If you use your personal vehicle to make money, you will need a business policy. Even if your only business application is commuting, your ordinary domestic policy will not be enough. If you are using it to make deliveries or to transport people or goods, then you will need a different policy. Such activities add wear to your vehicle that would not otherwise occur.
Cover for Your Vacation
Breakdown cover roadside assistance can be the difference between a pleasant vacation and one spent sitting in the waiting room of an automotive repair shop while your vehicle is being repaired, even a bike can get the cover. The right roadside assistance policy can even help provide alternative transportation as well as get your vehicle back home if you must leave before it is repaired.
What is Covered
Not all policies are the same, so check with your agency to see what they provide.
Generally what you will get is:
- Someone to respond to your emergency
- Delivery of gasoline, oil, a new tire or other small parts
- A licensed mechanic who can take care of small, basic repairs
- Towing, as needed to a repair location, your home or where you are staying
- In some cases, assistance with expensive repairs
- Alternative transportation
- Recovery of your vehicle if you must leave it while it is repaired
Not All Breakdown Policies Are the Same
Ask your insurance agent to help you select the roadside assistance/breakdown policy that is right for you. If you do not travel often, an at home policy might be best. If you work, you will want commuter coverage. You can get temporary or specific term insurance for vacationing, and business policies if you use your vehicle or vehicles to earn money.
Selecting the right policy for your situation will help to avoid disappointment when you need coverage. Let your agent know exactly how you will be using your vehicle. If there are changes, be sure to update your policy accordingly. Failure to keep your agent informed could result in denial of benefits at a time when you most need help. No one, least of all your insurance agent, wishes for this to happen. Good communication can help keep your policy up to date and viable.