Breakdown Insurance vs. Roadside Assistance

Temperatures in London during Bank Holiday were colder than temperatures in Moscow. This amazing weather switcheroo is a reminder that it is always good to be prepared for the unexpected when you are on the road. There is no better way to be ready for the unexpected than by purchasing a breakdown insurance policy or roadside assistance insurance. With a good policy, you can feel confident of making it to your destination, even if you are negotiating your way through late spring snowstorm in Scotland.

Both breakdown insurance and roadside assistance will allow you to call for help in an emergency situation. Historically, you might have had to walk to a roadside call box to ask for a skilled mechanic to come to your location, but today’s prevalent use of cellphones and GPS devices installed in vehicles are beginning to render the call box less necessary. Whether you use your cell phone, your GPS emergency device activates or you trudge to the nearest call box, a mechanic with a van loaded with the items most commonly needed in an automotive emergency. The mechanic on board will repair the vehicle if it can be done in about thirty minutes. If more time is required, your vehicle will be towed to the nearest facility that can repair your automobile.

The big difference between a breakdown insurance policy and roadside assistance is payment for the repairs. If your vehicle is new enough to still be covered by a warranty, there is a good chance that the repair costs will be covered by your breakdown policy. However, if you have an older vehicle that doesn’t qualify for that sort of coverage, you might need to pay for parts and supplies, and perhaps even for a portion of the labor at the time of delivery.

Who Qualifies for a Full-Cover Breakdown Policy

Anyone who has a vehicle new enough to have full warranty probably has a breakdown policy built into their regular insurance, or can easily request one. A breakdown policy shouldn’t be confused with accident coverage. Instead of covering fender benders or full-scale collisions, it covers mechanical failures. These can stem from anything from a faulty part being installed to not being fully prepared for unseasonable weather.

If you request a breakdown policy before your vehicle’s warranty expires or when purchasing an extended warranty, there is a good probability that your car or truck can be covered for the first seven years of its life, or until you have driven it for 15,000 miles. When the odometer makes that fatal turn-over, then it will be time to down-scale your policy to roadside assistance.

Roadside Assistance Can Be a Good Deal

Even though you might have to pay for the replacement parts or gasoline delivered to you, roadside assistance can truly save your trip. Whether you are on a business trip or taking a vacation, a simple flat tire when you are traveling a lonely stretch of road can create a sufficiently lengthy delay to impair your journey. A friendly roadside assistance van with a spare tire in just the right size for your vehicle and a kind mechanic who understands pitstop urgency when it comes to speedy repairs, can have you quickly on your way. Even if you must render payment at the time of delivery, it can save your job or get you to that special show on time.

Value of Breakdown/Roadside Assistance Policies

Having a breakdown or roadside assistance policy is just that extra little bit of comfort when you are driving. Whether it is for pleasure or for business, it can save your trip.

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