Breakdown Cover Money Saving Tips

With vehicles becoming increasing difficult to work on in this technological advanced age and the dangers involved in attending to your vehicle at the side of a motorway or dual carriage way; more and more motorists are realising that breakdown cover is a fundamental requirement.

With this in mind, we take a look at five key things that you can do to obtain cheap breakdown cover quotes. Whether you are a car, van or motorcycle owner, MoneySupermarket.com aims to help you obtain the cheapest breakdown cover quotes available.

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Vehicle or personal breakdown cover?

When you are on the look out for a breakdown cover deal you will be asked whether you would like vehicle or personal breakdown cover.

Vehicle breakdown cover is a package where the provider is agreeing to recover or repair a particular vehicle regardless of who is driving/riding it. Meanwhile, personal packages are where the breakdown cover provider is guaranteeing that they will come and recover any vehicle containing a particular person. It doesn’t matter if they are the one driving, or if they are a passenger. It is also now possible to purchase personal breakdown cover policies which feature more than one individual through certain providers.

Vehicle breakdown cover is the cheaper option as less protection is afforded to the policy holder. However, it is entirely up to you whether or not you think it is worth paying a little bit extra for the additional protection.

What level of cover do you need?

There are four levels of policy on offer, with Roadside being the cheapest breakdown cover option available. This is because the level of protection afforded on this level is obviously much reduced in comparison to the Onward Travel option, which is the most complete package on offer.

The difference between these is that policy holders with a roadside level of cover will only be entitled to repairs at the side of the road and recovery to the nearest garage when they are a certain distance away from their home.

In comparison, Onward Travel level customers will be entitled to the recovery of their vehicle to a garage or destination of their choice, the recovery of the policy holder and the other inhabitants of the vehicle and will also be eligible to have repairmen sent to their home. Additionally, Onward Travel members will also be able to claim for the cost of any hire cars and accommodation which is the result of their vehicle failure.

You obviously get far more with an Onward Travel package, but the pricing will reflect this. Those looking for the bare minimum level of cover provided in order to spend as little as possible may therefore feel it is best to opt for the Roadside level of cover

No claims discount

Some insurance providers will offer cheaper renewal deals to existing customers who have not made a call out during the previous 12 months that they purchased breakdown cover from the provider.

This is not true of all breakdown cover companies, but it is something which is worth investigating with your existing provider.

Haggle

However, do not simply sit back and believe that the renewal offer you are given by your current provider is the cheapest breakdown cover quote available when your existing deal expires. Some providers even automatically take money out of your account to pay for the renewal at the end of your existing deal unless you inform them otherwise. This all adds to the impression that it is a far easier option to simply sit back and accept the quote.

While this may be an accurate statement, it could actually be costing you money as there may well be cheaper deals out there. Phone up your breakdown cover provider and challenge them on the pricing; informing them of the cheaper deals you could be receiving from other breakdown cover providers. Chances are that they could offer you a cheaper deal.

Compare deals online

Of course, you should not go into this confrontation unarmed. Shopping around and comparing deals available through the MoneySupermarket.com breakdown cover comparison site could help you find one of the cheapest deals on the market which turns out to be a far more attractive option than anything that your current provider can offer.