Levels of Cover

The insurance providers in the United Kingdom have several different levels of coverage, all of which tend to offer the same features with the opportunity to add extras to your package if you require them. Generally the five levels of coverage are as described below but each breakdown company may vary with exactly what they are offering and you should look further into the packages when comparing the level of cover you have chosen between the main cover suppliers.

Level 1 - Basic roadside assistance which includes roadside repairs or recovery to the nearest garage.

Level 2 - Roadside assistance with relay, if your car cannot be fixed at the roadside you have the option to be towed to a location or garage of your choice for you as well as any passengers you may be carrying.

Level 3 - Roadside assistance with relay and home cover which includes towing to a location of choice such as your home or the garage of your choice. This level will cover you if your car won?t start or breaks down within one mile of your home.

Level 4 - Roadside assistance with relay, home cover, parts and garage cover and onward travel options. So if you breakdown away from home you get travel expenses or the cost of a stay in a hotel paid for as well as cover for the cost of any parts that are required to get your car back on the road.

Level 5 - Roadside assistance with European cover. This supplies you with everything offered with the previous four levels of coverage and is necessary if you travel to European and would require cover if you broke down.

How to decide on the best level of cover for you

As you would expect from an insurance product the more you pay the better you are covered. It may be tempting to take up one of the offers which are often advertised with breakdown cover for £30, and this would definitely be an appropriate level of cover for some but if you commute, travel Europe or have small children and being left at the nearest garage to your breakdown would be highly inconvenient then you should strongly consider the other levels or paying for some parts to be added to the basic policy such as home cover.

Although you may not think you need it you should consider the effects of not having home cover on your policy, one of the most common reasons for a callout is a car not starting at home because of a battery issue. What would happen if your car didn't start one morning or started but broke down within a few miles of your home? Your basic breakdown cover wouldn't cover you and a simple case of a flat battery would mean an expensive local garage call out.

The recovery service aims to repair your car at the side of the road however this isn't always possible and if you are a long way from home being taken to the nearest garage with your car would leave you stranded. The onward travel level of breakdown cover will pay for public transportation in order for you to return home whilst your car is being towed to a garage local to you, or a one night hotel stay.

Don't forget breakdown cover for your holidays

If you frequently, or even occasionally travel onto the continent then breakdown cover for holidays should be considered an essential, especially in a foreign country and you do not know the language or have anyone to help you should you breakdown.

These five levels of breakdown cover are pretty standard across the board however most breakdown companies can offer flexibility thanks to additional extras and services which can be added on to the packages. An example of which would be having onward travel cover but omitting home cover and parts and garage fee cover from your package will reduce the cost of the package. You should carefully consider what you do and do not need and remove any extras that are just adding to the cost of a plan.

Helps to narrow down your search as some companies do not provide cover for older cars.
Vehicle

Cover for a named vehicle with anyone driving the vehicle covered.

Personal

Cover for a single person with every vehicle they are driving or a passenger in covered.

Joint

Cover for two people with every vehicle they are driving or a passenger in covered. Both people must live at the same address.

Family

Cover for up to four people with every vehicle they are driving or a passenger in covered. Everyone must live at the same address.

Extends cover to also include breakdowns at your home.
Provides a replacement vehicle, overnight accommodation or alternative transport costs to your final destination if your car has to go into a garage to be repaired.
Provides cover to tow your vehicle to anywhere in the UK if it cannot be fixed at the point of breakdown.
Extends your UK breakdown cover to other European countries.
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