Holiday Breakdown Cover

Key takeaways

• Standard UK breakdown policies often don't cover Europe, so if you're traveling abroad, you’ll need a separate European breakdown cover policy.

• European breakdown cover comes in basic, comprehensive, and premium levels. Basic cover includes essential services like 24/7 helplines and roadside assistance, while comprehensive and premium options offer additional benefits.

• When selecting a policy, consider whether you need personal coverage or vehicle coverage. Ensure you understand the policy details and choose one that fits your travel needs to avoid unexpected costs.

A flat battery, a punctured tyre, or a mechanical failure can quickly turn a dream holiday into a stressful ordeal. That's where holiday breakdown cover comes into play. While it can't prevent these issues, it can certainly help resolve them quickly and affordably, offering that much-needed peace of mind when you're traveling abroad.

Countries in europe

Most UK breakdown policies do not cover Europe as a standard. So, if you plan to take your car abroad, you will normally have to buy a separate European breakdown cover policy. This will typically include cover in more than 40 countries across Europe. Always check with the provider before you travel to make sure that your destination is covered.

Types of holiday breakdown cover

When it comes to European breakdown cover, you have options. You can usually opt to cover a single trip, or you can choose annual European breakdown cover. A single trip European breakdown cover policy covers one journey for a period ranging from as little as five days to as many as 30. It's the perfect choice for those who only plan one holiday abroad per year. For the frequent traveller, a multi-trip or annual policy is more suitable as it covers any number of trips abroad, though each trip is usually limited to 90 days.

What should I consider when choosing a holiday breakdown policy

Choosing the right holiday breakdown policy requires careful consideration. It's important to look into the policy details to ensure you're getting adequate protection for both you and your vehicle. Providers offer varying levels of cover, so it's crucial to select one that suits your specific travel needs.

Basic European breakdown cover typically includes a 24/7 English-speaking helpline, which can be a lifesaver when you're in a foreign country and don't speak the language. Additionally, you'll have access to roadside assistance or towing to the nearest garage, which can help you get back on the road as quickly as possible.

For those seeking more security, comprehensive policies may offer emergency vehicle repairs up to a certain amount. They can also provide a replacement driver if necessary, ensuring that you can continue your journey even if you're unable to drive.

Premium packages might go a step further by covering emergency accommodation costs if you're stranded and alternative transport options to continue your journey or return to the UK. These features can be invaluable in a crisis, offering comfort and solutions during unexpected travel interruptions.

Cheapest is not always the best

While comprehensive packages are more expensive, they may be more suitable than basic policies, especially if you're concerned about covering onward travel after a breakdown. It's a classic case of "you get what you pay for," and skimping on coverage could end up costing you more in the long run if you encounter serious issues.

Types of holiday breakdown cover

There are two primary levels of coverage to consider when traveling abroad: personal coverage and vehicle coverage.

Personal coverage

Personal coverage insures the driver on multiple journeys and possibly in different vehicles. While premiums may be higher for this type of coverage, it offers flexibility and can be a wise investment for those who frequently travel and use different cars.

Vehicle coverage

On the other hand, vehicle coverage applies to a specific vehicle rather than the driver. This option is generally cheaper but limits the coverage to that one vehicle, whether for a single trip or multiple journeys.

What information will I need to provide to apply

To apply for holiday breakdown cover, insurance providers will typically require the following information: the type of coverage (personal or vehicle, single trip or annual), personal details, and vehicle information. If you're planning to tow caravans or require additional cover, make sure to mention this when applying.

Get tailored European breakdown cover quotes

MoneySupermarket’s free comparison service makes it easy to find cheap quotes for holiday breakdown cover, whether you want a premium policy or a basic plan, no matter the vehicle. We just need a few simple details to help you compare policies and save money. You can also arrange breakdown cover for motorbike and van breakdown cover policies too. Get cover for your next trip today.

Embarking on a journey abroad should be an exciting experience, not one marred by the worry of potential vehicle troubles. With the right holiday breakdown cover in place, you can drive through Europe's scenic routes with confidence, knowing that help is just a phone call away should you need it.