What is Breakdown Cover and Why Do You Need it?

Most people who drive experience a mechanical failure at some point, and not having the proper cover can mean a lot of additional stress and expense. It is important that you have a full and complete understanding of breakdown cover when buying a car insurance policy. This type of cover could help you in emergency situations when you are on the road.

What is Breakdown Cover?

A vast majority of car insurance companies offer what is known as roadside recovery, which is designed to help those whose cars break down while on the road. If you find yourself stranded in your car because of a mechanical failure of any kind, you can get the help you need.
Some of the common services that breakdown cover offers include:

  • Changing flat tires.
  • Helping you get into your car if you locked yourself out or lost your keys.
  • Getting gas to you if you run out of gas while on the road.
  • Charging up a dead battery.

Why Pay for Breakdown Cover?

There are many different benefits associated with breakdown cover, and it’s important that you know what they are.


If your car happens to break down while you are driving, all it takes is one phone call to utilize your cover. A technician will be sent to your vehicle no matter where you are. This will save you a lot of time and energy. Those who have type of cover usually don’t need to wait very long for a technician to arrive.

You Save Money

Your breakdown cover can also help you save money if you need your vehicle towed to a repair shop. Getting a tow without this type of cover can be quite costly. You can have your vehicle towed to the closest repair shop or a place of your choosing (within a reasonable distance).

Peace of Mind

One of the best reasons to pay for breakdown cover is peace of mind. You will know that you will be taken care of if you lock your keys in your car, run out of gas or just break down while driving. These things happen to people every single day, and there is a good chance that they will happen to you as well at some point.

Cover Wherever You Go

European breakdown cover makes it so that you are covered no matter where you are driving in Europe. You will have a full set of services at your disposal if the need for any of them should arise.

24/7 Cover

Another great thing about breakdown cover is that you can take advantage of the services it offers at any time, day or night. This can be particularly helpful if your vehicle happens to break down late at night.

Breakdown Cover Features

It is also essential that you learn about the basic features of breakdown cover before making a decision either way.

  • Roadside assistance: This will help you get your car started back up and back on the road as soon as possible.
  • Local recovery: You can get your car towed to a repair shop in the area if the technician cannot fix it on the roadside.
  • National recovery: If you require a tow, you can have your car taken anywhere in the UK to be fixed.
  • Home start: Perfect for if your car ever breaks down when you are close where you live.
  • European cover: You will be covered no matter where you are travelling in all of Europe.

What Should I do if my Car Breaks Down?

There is a good chance that your car will break down when you are on the road at some point in your life, so you should be prepared. The first thing you should do is to get your car to a safe area if possible. You will also need to activate your hazard lights so other drivers on the road will see your vehicle.

Exit the vehicle through the passenger door so as to avoid being struck by cars that are driving by. Call the number for your roadside assistance service and wait for help to arrive. You will most likely be asked a few questions before a technician can be sent to your car. The amount of time it will take for someone to show up will depend on where you are and what time of day it is.

Final Thoughts

Breakdown cover is something that all drivers should have. There is a very good chance that you will eventually need these services, and you’ll be happy that you opted for them. While you might have to pay a bit extra, it is well worth the expense. You will have the peace of mind that comes with knowing that you’ll be taken care of.

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