Monday, 20 January 2014

Why Breakdown Cover is Necessary in Crtical Circumstances?



I have never had an accident while driving, I mean never.  Not that I am an excellent driver just a very cautious one. So when my mother gave me a loan to use to apply for car breakdown cover I did not easily agreed. I know she was worried, but I know I am safe when I drive. I have basic if not a broad knowledge of my automobile and I can change a flat tyre when I get one and call a garage to tow my lorry when I also need one. But to ease my mother’s worries, I agreed to buy my insurance come New Years, then on Christmas day my sister slipped on a patch of ice on the road and she was rescued by the breakdown cover guys. After that my mother was relentless in pursuing me to get that bloody car breakdown cover. So finally I relented and applied online, which is good because they gave me a discount. I still do not believe that I need it because my car is in great shape and I have it checked up and serviced regularly.  The cover is expensive and totally useless.  The services they offer can be found in other businesses where they are offered individually and I only have to pay for them when I use them.  My preferred approach would probably be cheaper, but even if I explained it to my mom she does not want to listen. My dad kind of agrees with me, but he has no power of persuasion when it comes to my mom. One good thing though is that the car breakdown cover I chose is only the basic one which means that it is not that expensive and my loan is not that big.  I cannot believe the number of add-ons they include in their packages to make the prices of their covers higher. If you make a breakdown cover comparison of prices you will be shocked at how expensive they are but still a lot of people believe them and make themselves spend money on something that is totally not needed.

Lots of breakdown cover reviews are great which makes me question the reliability of the sites where I read these articles from.  Any self respecting man will not avail himself of this service.  It is absurd and people are very gullible if they believe that they need this cover more than maintaining their cars. It will be less expensive if they just have their cars maintained in perfect working condition. The economy nowadays is tanking and it is not a good idea to spend even a dime on unnecessary covers. The money they can save when they do not have the cover can be used for other necessities like food and improving your current car.  

I have been driving for almost 20 years now and never met an accident and had never used the car breakdown cover.  So to say the least I think it was a waste of money.  It is better to maintain my car than to pay someone to come rescue me when something goes wrong with my car.  But if you have lots of money to throw away, then go ahead and invest yourself with this cover.  

Currently I am very happy that after that first year of breakdown cover I have not renewed it ever again. The roads are safer, thanks to constant renovation and improvement and the cars are better. Every year a new model comes out which is getting better and better for the cold season. So even without the cover almost everyone is equipped to handle roads without the cover.

Tuesday, 26 March 2013

TIPS TO AVOID CAR BREAKDOWN



TIPS TO AVOID CAR BREAKDOWN
Every driver considers a car breaking down in the middle of a travel a nightmare, in fact, this situation makes motorist’s feel stressed and agitated. And everybody knows that breaking down causes so much headache and even heartache. This is why below, you will see a guide on how to manage your car after it has stop working. 

The first things you have to do is avoid getting a breakdown or avoid making your car tired. 

1.     AVOID WEARING YOUR BATTERY OUT.
A car needs a battery – a working battery. In order for you to avoid experiencing a breakdown in the middle of the road, be kind to your battery. Avoid draining it by cautiously turning off the lights and the radio when your car is not in use. 

The battery gets looked always when you are having a service for your car –this is a common misapprehension. The batteries are mostly the most overlooked part of a car, so it is advised to check your batteries yourself. There are indicators in your batteries that will tell you if your car is in good shape or not. These indicators vary, with that; the battery should have some sort of a guide. 

The most common cause of breakdowns during the winter season is having a flat battery. So if you do not have plans of using your car in these cold days, intermittently start your car up so that you are assured that your battery is alive and kicking. Otherwise, your battery will be frosted and will become flat. 

2.     ALWAYS CHECK YOUR TIRES TOO
 Kerb collision while you are parking will cause damages to the sidewalls of the tires. Thus, this results to a punctured tire. With this reason, it is always a must to check your tires if it has any damage after any abrade

Make sure that your tires are blown up with the correct pressure. Exaggeratedly blown up tire can cause a blow out, on the other hand, a car filled with lesser air can affect the management and reduce the fuel savings. Your tires could have a perforation if they continue to lose pressure.
 
Always make sure that you have a spare tire that is correctly inflated. Additionally, have the right tools if in case you need to replace a tire.
 
Take care of your car if it’s cold
 
 After a cold night, make sure that your will let your car windows thaw out before going out.
 
Make sure that the water supply of your engine is enough
 
Oil may thicken when it is cold, so check if your oil is of the right tackiness

 Fill your car up

Okay, this might seem to be the most obvious tip to avoid a breakdown, but do not go out on a trip without having enough gas in your car. It is a little bit embarrassing if you will explain to a mechanic that your car had stopped working because you did not fill it up with the gas or fuel.

If in case your car broke down in the middle of a trip and has left you stranded, do not panic.
·        If you feel that your car is about to stop working, get off the road and pull off to the side of the road as achievable.
·        Get out of the car but never leave your car and roam around
·        Get in touch with the AA breakdown cover office and ask for help
If you do not have a breakdown cover yet (like an AAbreakdown cover) it is time for you to get one, otherwise, if your car breaks down, you will be left high and dry in the middle of nowhere. With an AA breakdown cover, you are assured that there will be someone to help you in case your car stops cooperating and doing its function.

GETTING YOURSELF COVERED WITH RAC BREAKDOWN POLICY



Once the holidays are over, many people are now excited to go on a trip and bring their families and friends along. To make life easier and to make them escape riding buses and trains, people bring their trusted cars with them. Sometimes, if not all the time, cars breakdown in the middle of a happy travel, and that results to being stranded in the middle of the road or worse in the middle of nowhere.
And we all know that being in the middle of the road with your family, friends and kids, plus a vehicle that is not working is a scary thought to have especially when the place you are in is a place that you do not know. Now, wouldn’t be a great idea and a great thing to know that in case your car stops working while you are travelling, someone will respond to your help with just a call? Be covered with an RAC breakdown cover now.
BREAKDOWNS DO NOT ONLY HAPPEN WHILE HAVING A TRIP
Breakdowns don’t always happen when you are going to a far place; they may also happen while you are on your way to your favorite coffee shop or while you are bringing your kids to school. Regardless of what scenario you have, when a car covers and when you call RAC, they will be there for you in no time. Who does not like that kind of service, eh?
So now, think it over, why do you want to be stranded in the middle of the road or while you are on your way to attend an important meeting when you know that you can have a peace of mind thinking that someone will get you through if incidentally you car breaks down. The RAC breakdown policy will give you a no-sweat, no-stress driving and travelling experience.
WHY IS THERE A NEED TO BE COVERED BY RAC?
The RAC breakdown team has more watchers or patrols per member compared to other policy holders. Additionally, they also have strategically placed their road side assistance team anywhere in the United Kingdom, these roadside assistants are eager to give you the services that you deserve, 24 hours a day, 7 times a week and 365 a year.
Also, the RAC breakdown insurance has great deals and big, big discounts for their member. Moreover, you can also choose the membership and the insurance that best suit you. All you have to do is get in touch with them through their contact numbers.
The patrol of the RAC endeavors to be with you within 40 minutes or less, meaning, you do not have to wait for hours and hours just to have your car serviced by your breakdown policy providers.
The RAC breakdown insurance offers you nothing but the best services other breakdown providers do not. So what are the services that are offered by this RAC breakdown policy?
·        Towing of your car
·        In case your keys get locked inside your car, the RAC team will try its best to get the keys inside without destroying your car.
·        In case you ran out of gas, the gas will be delivered to your car in no time.
·        If in case you get caught and your car cannot move because of mud or any other factors, theRAC may winch your car to the nearest roadside possible.
·      If in case your tire gets flat or broken, a spare tire will be set up in place of your old and broken tire.
With RAC breakdown cover, you will have a peace of mind while you are driving, whether you are going to a place just around the corner of whether you are going to a distance place, you got yourself covered.

Wednesday, 28 November 2012

Start Rescue – Good value breakdown cover from £18.30 per year

Start Rescue provide affordable and flexible car breakdown products, with a wide range designed to meet the needs of any motorist and their budget. They competitively and conveniently rate and price their products on a star basis from 1 to 5 stars, providing some excellent benefits and no costly extras such as breakdown policy excesses. They pride themselves on having user friendly policy wording so that you understand.

No matter what level of policy you purchase, you can be confident that when Start Rescue need you, they are there and will meet or exceed your expectations every time.
Call Assist Ltd, which has been providing the service on behalf of many other insurance brands over the past 12 years, provides the assistance and administration on behalf of startrescue.co.uk
Call Assist Ltd provides the service through a network of over 1,100 approved Recovery Agents throughout the UK and an additional network in Europe, providing assistance in over 45 countries. The startrescue.co.uk insurance policy is underwritten by Groupama Insurances which is part of the European financial services giant, Groupama. Both Call Assist Ltd and Groupama Insurance Company Limited are authorised and regulated by the Financial Services Authority.
Visit a car breakdown comparison website to get the latest deals or read Start Rescue Reviews for the valued opinions of other customers.

Wednesday, 17 October 2012

How to choose car breakdown cover



Imagine a day full to brimming, you’ve got to get to work, important meetings or appointments,  get the kids to school and home again via no doubt a club or two and the car won’t start, or even worse you’ve been involved in an accident and your stuck on the hard shoulder somewhere too far from home….alone…
With car breakdown cover you have the reassurance that help is only a phone call away. You are never alone or truly stranded.  There are a variety of packages to choose from, with some companies like the AA and RAC you become a member of a club which then entitles you to certain services, the level of the services being dependent on your membership level. With Green Flag for example you just join on a “per claim” basis.

How to choose the best roadside recover service for you

The key to good car breakdown cover is buy a policy with features that you will get the most benefit from and no more.  There are many breakdown insurance companies, specialists like the AA, the RAC, Green Flag and those offering wider services Tesco, Sainsbury’s for example.  They key for all of them is to follow a few simple steps before joining.  These are as follows:

Step 1 – Decide if you want car breakdown cover for the car or for you

If you choose cover for the car then anyone who drives the named vehicle can use the policy if they breakdown.  With personal cover you are covered personally regardless of the vehicle you are in, so you can use your policy with any vehicle whether you are the driver or even the passenger.
Personal cover can usually be for you, you plus one or you plus up to four other people. You all need to live at the same address though which makes it a good option for families or flatmates.
Personal cover is usually more expensive but may be useful if you travel in many different vehicles. Also, if you want to take out European cover some companies like the RAC insist you have personal breakdown cover.

Step 2 – Decide on the level of car breakdown cover you want

Decide on the level of cover, you will need to balance probability of use with the cost charged for each additional feature.  The three best known providers, AA, RAC and Green Flag all offer a basic package with add-ons so you can create the policy that best suits your needs.

Basic Roadside Rescue Package

The basic breakdown cover packages are each called different names by each of the providers, the idea being to make it as difficult as possible for you to make a comparison.  However, in general each of the packages are very similar and offer near identical cover.  The basic package  is called Roadside assistance by the RAC, Roadside by the AA, Rescue by Green Flag.  The basic cover provides:
  • Roadside assistance
  • Transfer to local garage if roadside assistance unsuccessful
To this basic package there are then three optional common add ons which are as follows:
(i)   Breakdown cover from your home
This is known as Homestart by the AA,  At Home by the RAC and Rescue Plus by Green Flag and provides assistance within one quarter of a mile of the registered address of the policy holder.
(ii)   UK wide transfer
Known as Relay by the AA, Recovery by the RAC and Recovery by Green Flag.  This add on will transfer a vehicle plus 7 passengers to anywhere in the UK in the event of a breakdown which cannot be fixed at the roadside.
(iii)   Support whilst your vehicle is repaired
Known as Stay Mobile by the AA, Onward Travel by the RAC and Recovery Plus by Green Flag this add on provide a few options, being either

The History of the RAC



The RAC (or Royal Automobile Club as it was known then) was founded in 1897 by car enthusiasts Charles Harrington Moore, and Richard Simms. When founded, the RAC were known as 'The Automobile Club of Great Britain". When setting out the clubs regulations, the pair followed the constitution laid out by the Automobile Club de France.
Within 4 years the RAC had started employing their first uniformed patrolmen in the UK. In 1907 they gain royal approval and adopted their current name - the RAC.
In 1926, the RAC began the British Grand Prix, which was held at Brooklands, and within 6 years they had sponsored their first ever Rally. Their first rally covered a geographic distance of more than 1,000 miles. In a unique race, unlike modern day rally's, all drivers started from different locations, and all headed to the same finish line in Torquay, on the south coast of England. 367 drivers from accross the world started the race, while 259 drivers completed the 1,000 miles, with an average speed of less than 25 mph.
In 1960, Blackpool became the starting point of the RAC Rally. The race ended at Brands Hatch and covered more than 2,000 miles. The following year the forestry stages were added to the RAC rally which allowed for greater speeds.
In 1978 the group was incorporated with the name RAC Motoring Services Ltd.
In 1999 the company was sold to Lex Services plc, who sold it on to Aviva in 2005. In 2006 the RAC joined West Surrey Racing to create Team RAC, which competed in the British Touring Car Championships.
Today the RAC has over 2,000 UK patrols, they respond to 2.8 million breakdowns, from a customer base of over 7 million, this is made up of approximately 4.5 million corporate clients and 2.5 million individuals. The RAC operates from several car breakdown call centres which operate 24 hours, 7 days per week. The RAC have won the distinguished  JD Power award for three consecutive years for offering the UK's best roadside patrols.
In an ever increasingly competitive market where the customers needs are complex, the RAC has branched out into various products and services not related to car breakdown cover, some of them don't even relate to cars. The main services which they offer are;
RAC Breakdown - This is the main service that we all know and love the RAC for, attending, then repairing or towing our broken down car from the roadside. Visit a car breakdown cover comparison site such as WhyBreakdown.co.uk to compare the latest deals.
RAC Europe - provides breakdown cover for RAC customers on the continent, which includes 47 countries. They are headquartered in Villeurbanne, France where English speaking staff are available to assist motorists who have broken down 24 hours per day.
RAC Direct Insurance - offers UK consumers a car, can, motorbike, travel, and home insurance service.
RAC Legal Services - provides advice and assistance to members who are involved in a personal injury claim.
RAC Vehicle Checks - checks vehicles to determine if the car has been either written off, stolen, has previous plates, or outstanding finance agreements. This service is primarily used by people looking to buy a car and check that the car is legal. The serice is ran by HBI who also authenticate the car's documents.
RAC Examinations - conduct physical checks on vehicles to ensure the car is sound.
The RAC also provide a variety of smaller services.

View the latest RAC breakdown reviews or read Start Rescue Reviews.

The History of GEM



The story has it that on his way to meet friends at the Warnes Hotel in Worthing in 1932, our founder was involved in a 'near miss' with a young man in a sports car. In response, that group of friends formed a club to encourage Care, Courtesy and Concentration on the roads to reduce the growing accident toll...and so the Company of Veteran Motorists was born.

Pioneers of the Road

There have been many motoring changes in our 80 years and we have played our part. We have also moved with the times, but our aim is still the same: to give our members good service, sound advice and keep them safe on the road. In 1983 we reflected these ambitions by changing our name to the Guild of Experienced Motorists... or GEM, for short. We launched our breakdown recovery service in 1978 and have been a trusted provider ever since.

Keeping you Moving

We are a UK based organisation that holds true to our society-of-friends origins. We provide a friendly, reliable and responsive service just when you need us the most. One phone call to our 24 hour GEM Rescue Control Centre, and a trained operator quickly arranges assistance from one of our nationwide network of 6,000 recovery vehicles. We look after you.
We've been one of Auto Express's top three providers for the last three years.

Keeping you Safe

While most people know us for personal breakdown cover, we do so much more. GEM has championed a wide variety of Road Safety activities, including conferences, award schemes and research. We support national and local Road Safety campaigns; donate equipment for training, assessment and vision screening; and produce free motoring advice and road safety leaflets. Today, GEM Motoring Assist has around 75,000 members.
Our president is dedicated Road Safety campaigner, Viscount Simon. He's also a Trustee of the GEM Road Safety Charity.
GEM is a member of:
  • The Parliamentary Advisory Council for Transport Safety (PACTS)
  • The Royal Society for the Prevention of Accidents (RoSPA)

GEM Motoring Assist Annual Reports

A summary of the major activities and performance of GEM during recent years are provided in the Chairman’s Annual reports which are approved at the organisation’s Annual General Meeting held in May of each year.

GEM Membership

You're not just a Customer: you're a Member!

GEM started in 1932 as a motorists' safety association. Association membership is included when you take out our breakdown cover. Membership is also open to motorists who do not want breakdown cover, but want the member benefits.

So what are the benefits of membership?

All members enjoy the support and advice that comes from GEM's 80 years of experience.
  • You can access the exclusive My GEM area of our website, which has a wealth of useful motoring information and includes our Route Planner
  • You can claim discounts on other services such as insurance, vehicle inspections, airport parking... and lots more.
  • You'll receive our lively quarterly magazine 'Good Motoring' and regular e-mail newsletters
  • You also benefit from a free Accident Management Service, which helps you deal with any claims or legal process following a traffic accident. Even if you never have to use it, being covered by us means you can decline the expensive legal-cover options offered with your motor insurance policy. So it saves you money.
  • There are regular special-offers and promotions for members... keep an eye on the website!
 Read the latest GEM Breakdown Reviews or read Start Rescue Reviews.

What are the Important Considerations while Purchasing Cheap Breakdown Cover



Nobody wants to be left stranded in an unfamiliar secluded area or in the middle of a busy highway due to a broken down vehicle which is why getting a backup plan through cheap breakdown cover for your car comes extremely handy in such emergency situations. Apart from saving you from the hassles and extreme inconvenience of handling a breakdown by yourself, having a roadside assistance policy beforehand is also a cost efficient alternative in the long run.
With a large number of automobile clubs offering repair and support services, there are some good bargain deals that can be found in the market at highly competitive prices.   Therefore with a certain degree of research and patience one can find a cheap breakdown cover policy offering services that meet their personal travel needs.
Listed below are some important considerations that need to be kept in mind while purchasing cheap breakdown cover:
•    Understand your travel requirements – In order to select the most suitable and cheap breakdown cover available in the market have a clear idea about your travelling needs such as your frequency of travelling long distances and the number of drivers as well as vehicles present in your family.
•    Familiarize yourself with the coverage market – Getting to know about the various kinds of coverage available in the market such as basic repair services including tire, towing and lockout assistance as well as options for making a customized plan  is very crucial in identifying a suitable and cheap breakdown cover policy successfully.
•    Research the internet – Logging onto a search engine and visiting websites of nationalized auto clubs such as the RAC and AA is one of the most efficient mediums to search for some of the best bargain deals on roadside assistance plans.
•    Compare benefits and features – Narrowing down on suitable deals and comparing their various benefits along with their annual membership charges can be very helpful in zeroing in on the most cost efficient and cheap breakdown cover.
•    Select the most suitable plan – Apart from finding the best bargain deal in the coverage market looking for benefits that meet your personal requirements is also very important.
•    Ensure that your basic needs are covered – Before finalizing upon a cheap breakdown cover read all the terms and services closely in order to ensure that the plan covers all the basic needs and there are no hidden costs involved.
Purchasing a cheap breakdown cover is one of the wisest ways of saving additional repair costs in the long. So go ahead and choose the most suitable coverage plan and ensure a stress free drive for you and your family at an economical price.
Summary –Having a cheap breakdown cover for your vehicle is one of the most cost effective ways of ensuring a risk free driving experience. Some important considerations while choosing the most suitable and best bargain deal on roadside assistance services include understanding ones travel requirements, familiarizing with the coverage market, researching the internet, comparing various features and benefits, selecting the most suitable plan and ensuring that your basic needs are covered.

How to get the best value car breakdown insurance



Anyone who has been stranded at the side of the road because their car has broken down or they have had blow-out will appreciate the importance of breakdown cover.
And of course, there are the highly efficient who would never even take the risk and always ensure they have cover in place.
But what is the best way to buy breakdown insurance?
The most well-known providers are probably the AA and RAC. However, breakdown cover is a market that has developed and expanded significantly over recent years.
The number of standalone providers has increased but car insurers are getting in on the act too, either offering their own or a third party’s cover. 
Breakdown cover is also a common benefit that is provided as part of packaged current accounts – these are the bank accounts that charge a monthly fee.
Here we look at the best value way of getting the protection you need.

Adding breakdown cover to your car insurance

On the face of it, you might think extending your car insurance policy to include breakdown cover would be the best-value option.
However, research we carried out at MoneySupermarket revealed some startling results and we discovered this is not necessarily the case.
We ran some insurance quotes for a 40-year old male teacher, living in M20, with a 2006 Ford Focus 1.8, who drives 10,000 miles a year and has five years’ no claims discount.

Kwik Fit would charge him £95.99 to add Kwik Assist Recovery to his car insurance policy.
Yet, he could buy exactly the same breakdown cover as a separate, standalone product for £58.70 - £37.29 less.
With esure, the teacher could add Green Flag Roadside Assistance to his policy at a cost of £36 but the same breakdown cover bought separately from Green would cost him £25.44 a year.
The level of cover also varies and may be lower than you would ideally want.
Esure, Endsleigh , LV= and Tesco offer roadside assistance as a standard bolt on to their car insurance policies but as the name suggests, this type of breakdown protection only covers you if you breakdown away from home.
It includes taking your vehicle to a destination within a certain radius from where you have broken down but that may not be ideal if you are stranded miles from home.
Therefore a more comprehensive, standalone breakdown policy could be a better option.

Comprehensive cover won’t necessarily break the bank

The AA and RAC may be the most well-known providers of breakdown cover, but they also tend to be among the most expensive.
Using the same details as those for the car insurance quotes above, an annual breakdown policy from the RAC would cost £131, while the AA charges £130.
This is for the most comprehensive level of cover available (excluding European cover): it includes roadside assistance, nationwide recovery and home start.
As well as covering your vehicle it also offers you and your passengers protection covering your onward journey, accommodation in a hotel if needed, as well as car hire and caravan and trailer cover.
An equivalent policy from the lesser known Rescuemycar.com would cost £24.90. It can therefore really pay to shop around and compare prices from other providers.
An easy way to do this is to use a comparison service.

Don’t pay twice

An increasing number of people have packaged current accounts. These are the bank accounts for which you pay a monthly fee, but in return receive additional benefits such as breakdown cover and travel insurance.
Packaged accounts are often maligned for offering poor value but many of those who have them think they are great. It all depends on what benefits you get and whether you use them. Much of this is down to how suitable the product is for your needs.
Barclays has recently overhauled its current account offerings. It has withdrawn its packaged accounts from the market and replaced them with ‘packs’ that can be added to its standard or premier account. Customers can then tailor their benefits to their needs.
If breakdown cover is one of the things you would find useful, the basic Travel Pack, costs £8.50 a month (£102 a year) and includes RAC roadside and home assistance as well as European family travel insurance.
If you would prefer a more comprehensive breakdown policy, the Travel Plus Pack, which costs £13.50 a month (£162 a year) gives you comprehensive breakdown cover from the RAC as well as worldwide family travel insurance and access to airport lounges.
Other current accounts that offer additional benefits don’t give the same choice however. With Halifax’s Ultimate Reward Account, which has a monthly fee of £10, assuming you pay in £1,000 or more each month, includes AA Breakdown cover with Home Start.
This may not be as comprehensive as you would like though. That said, you do also get worldwide family travel insurance, mobile phone insurance and home emergency cover so you need to weigh up whether a less comprehensive level of breakdown cover is acceptable for you.
Compare the benefits offered by different packaged account providers.

Visit a car breakdown cover comparison site for all the latest deals or read Start Rescue Reviews.

Car Breakdown Cover



The reason for purchasing car breakdown cover is obvious: If you’re having problems with your car, wherever you are in the UK, car breakdown cover will guarantee that a qualified mechanic is just one call away to come and help you out. Your insurance company will either arrange a specialist team of mechanics to assist you, or the nearest approved garage.
As with most insurance policies, with car breakdown cover, there are various levels of cover available. The cheapest cover is basic roadside assistance. More comprehensive cover is more expensive and includes features such as emergency accommodation and car hire. The particular requirements of the individual customer determine which level of cover should be purchased.
Most car breakdown cover providers offer the choice to either cover the individual or the vehicle: Vehicle breakdown cover is the cheaper of the two options, and will cover a specified vehicle, regardless of who is driving. Personal breakdown insurance provides cover for the individual, irrespective of what vehicle they are driving. Personal membership also insures the individual if they are a passenger.
One thing to bear in mind when purchasing car breakdown cover is if there are any limitations of the policy. For example, some breakdown cover providers put restrictions on the number of callouts allowed, and also on the cost of parts and/or labour.
Be sure to shop around for the right policy for you. Compare different policies, and find one which you’re confident will be on call to help should you need assistance. Most insurance providers aim to have a mechanic with you to help in well under an hour. Again, this is something you can look at when comparing the particulars of various different policies.

How to Find the Best Car Breakdown Cover

Car breakdown insurance is often a cost-effective way to cover several drivers who share more than one car while living at the same address.
Finding cheap car breakdown cover is no harder than looking for standard breakdown cover.
The same rules apply to the levels of cover - like basic car breakdown cover roadside recovery covers the cost of repairs while you're mid-journey, and home start policies help start your car if it breaks down on the drive - but instead of covering just one driver or a single car, the policies can protect up to four drivers living at the same house who share a small pool of cars.
Many also include a free text or call to let someone know a driver has broken down and help is on the way, which gives peace of mind for families with teenagers out late.
Most car breakdown cover providers also offer a priority call out service to vulnerable drivers, like single women or mums travelling with children.
However, car breakdown car cover does not extend to anyone living away from the family home, so a student can have cover while staying with mum and dad, but not when they are living elsewhere.
Some insurers cap their cover, so cars listed as a car breakdown cover vehicle may have a limit of five or six call-outs a year, so this is something worth checking.
When making a car breakdown cover comparison, check out the details of the cover - points to watch are how close to home roadside assistance starts; what happens to your car if a technician can’t get it started while you are away from home, and how the insurer will help you get back to your house or continue your journey.
Once you have picked the packages that offer the cover you want, start comparing the prices.
The best family breakdown cover is not necessarily the cheapest, but the package that offers the cover you need at the most reasonable price.

Why not visit a breakdown cover comparison site for the lowest prices or read Start Rescue Reviews.

Breakdown Cover Guide



Imagine you are driving down the motorway and one of your tyres blows out. Or maybe you are about to take the children to school but the car won’t start. Or perhaps your car breaks down on holiday in France.

The AA, the UK’s biggest car breakdown service, attended 3.4 million call-outs in 2011 – rescuing about one in ten drivers in the UK. The number of call-outs is particularly high during cold weather. In freezing temperatures in February, for example, the AA responded to 16,000 breakdowns a day, up from the average of about 9,000.

So it could happen to you, which is why car breakdown cover is a wise buy. You can then call out an expert to either fix the car at the roadside or take it to the nearest garage. After all, you don’t want to be the motorist left stranded on the side of the road.

The AA and the RAC are the big names in car breakdown cover. But companies such as Green Flag and EuropAssistance also offer roadside assistance policies. MoneySupermarket compares deals through all of these providers and more in an attempt to find cheap car breakdown cover offers for our customers.

How does car breakdown cover work?

There are broadly two types of car breakdown cover. Most of the well-known firms operate a so-called automatic service. You usually pay an annual membership fee and can then call for assistance if you experience a problem, at no extra cost. However, there will almost certainly be a limit on the number of call outs allowed, typically five a year. So watch out if your car isn’t the most reliable!

Some of the smaller car breakdown cover providers don’t send out their own patrols. Instead, a local firm will respond and in some instances you may have to pay for the call-out and any recovery. You then claim back the cost from the breakdown company. So it’s more like a traditional insurance policy.

The automatic system is obviously more convenient, but if you are prepared to pay up front on call out, it can be cheaper in the long run.

Different levels of car breakdown cover

There are different levels of breakdown cover available. A basic policy costs can cost as little as £20 and covers roadside assistance and recovery. So, if you break down someone will come and either fix the car or tow it to the nearest garage or home. The breakdown must usually occur more than a quarter of a mile from your home – and the nearest garage must usually be within 10 miles. If the car needs towing more than 10 miles, you could be liable for the costs.
Remember that car breakdown cover does not include the cost of repairs to your car in the garage. And if your car can be fixed at the roadside, you might still have to pay for any spare parts.

National or nationwide recovery goes the extra mile – for an extra premium. It will take you, your car and up to a certain number of passengers (usually a maximum of seven) to your chosen destination anywhere in the UK.  In other words, it allows you to reach your destination or travel back home, however far away.

If you are worried that your car won’t start in the morning, or you would like cover in case you break down less than a quarter of a mile from home, most firms offer some sort of home start policy. You then know you are covered even if you break down on your own doorstep. 

You can also upgrade your car breakdown policy to include onward travel. If your car cannot be fixed at the roadside, the policy will then typically include car hire for up to three days, overnight accommodation, or the cost of public transport. The exact terms can vary significantly from one firm to another, so be sure to read the small print carefully.

Some car breakdown cover policies will also add on cover for parts and garage costs. There is, however, usually a limit to the amount you can claim.

There might also be restrictions on the type and age of the vehicle.

European breakdown cover

If you are taking your car abroad it is well worth taking out European car breakdown cover. You can either add European cover to your annual UK policy, which normally allows for up to 90 days cover in Europe, or you can buy single trip European breakdown cover if you are planning on just one journey. If you are a frequent traveler on the Continent, annual cover can work out cheaper, but it depends on your driving habits.

European cover differs from company to company, so you should always study the policy details. It is also important to check which countries that are classed as European to make sure your destination is on the list. This might sound stupid but it can vary – some policies will only cover countries in the European Union, for example.

Most policies should at least offer roadside help and emergency repairs, plus English-speaking assistance. You can also include vehicle recovery to the UK or to your destination, as well as cover for alternative transport and accommodation. But the more extensive the policy, the more it is likely to cost. You can find lots more information in our guide to European Car Breakdown cover.

Personal or car cover

As well as the type of policy, you will also have to decide whether to cover your car or yourself. If you buy personal breakdown cover, you can then call for assistance whether you are the driver or passenger in your own car, or any other vehicle.

Alternatively, you can arrange cover for any driver in a named vehicle. The policy will then cover the car, whoever is in the driving seat. You can also typically cover up to three named vehicles on one policy.

If you regularly drive more than one vehicle, you might be better off with a personal policy. But it makes sense to compare both types of cover to make sure you get the best deal.

However, some car breakdown cover packages may impose age limits on vehicles; meaning that vehicles which are over 10 years old might not be covered. This is something to look out for when you are comparing car breakdown cover deals.

Van and motorcycle breakdown cover

MoneySupermarket doesn’t just aim to find cheap car breakdown cover packages for our customers, as we realise that there are other types of vehicle on the road.

It could be that you are a bike owner in search of an appropriate policy. If this is the case, the MoneySupermarket motorcycle breakdown cover comparison could come in handy.

There are also a number of van owners who might quite possibly rely on their vehicle to undertake their business operations for instance. In this situation, not having your van on the road would be hugely inconvenient and a van breakdown cover would prove invaluable in getting your vehicle back on the road faster.

Car maintenance

Don’t neglect your car just because you have breakdown cover in place. The breakdown service can legitimately refuse to assist if your car is not legal and roadworthy, so make sure your MOT is up to date and there is a spare tyre in the boot.

Car maintenance can also help to prevent a breakdown. Battery related problems are the most common cause of call-outs. So always remember to turn off any lights when the engine is not running.  Try too to take your car for a good run out every now and again. If you use the vehicle only for short local journeys, the battery does not get the opportunity to fully charge. Punctures or torn tyres are another common problem, so check the tyre pressure regularly and avoid hitting the kerb! There are lots more driving tips on our summer and winter car maintenance pages.

Which is the best policy?

It’s tempting to choose the cheapest car breakdown cover, but remember that a low-cost policy might not necessarily be the best. For example, if the thought of trying to jump start your car in the morning fills you with horror, then a home start policy will be a priority. But if you have a brand new car, then you might decide to take the risk. Motorists who regularly travel abroad would be wise to pay an extra premium for European breakdown cover. But if you never take your car onto the Continent, there is no point in paying for cover you will never need. There are more ways to cut the cost of breakdown cover on our breakdown cover money saving tips page.

It’s a good idea also to find out the typical waiting times for roadside rescue – and whether the company gives any priority to vulnerable motorists.

Don’t forget that you can compare the cost of car breakdown cover for cars, vans and motorbikes using our free independent comparison service. We search the details of more than 10 breakdown companies to find you the best deal at the lowest price.


Visit a breakdown cover comparison wesbite for all the latest deal or read Start Rescue Reviews.

The History of the AA



The History of the AA
29th June 1905. A group of car enthusiasts met in a restaurant called Trocadero which was located in the West End of London. The meeting created the Automobile Association (or AA for short), boasting a meager 100 members. The original intent for the group was to provide support and guidance to car drivers throughout the UK. Bigger, faster, and nosier cars were rapidly appearing on the UK roads which would often upset other drivers.

The motoring act 1903 introduced speeding fines to UK car drivers for the first time. When caught speeding motorists would receive (as well as a fine) an endorsement which would appear on their driving license. One of the first priorities for the AA was to help motorists to avoid police speed traps and the subsequent sine and endorsement that would follow.

In 1906 the AA members created thousands of road signs, warning motorists of any dangers that existed. These were the UK's first roadside signs. The AA took responsibility for producing and erecting roadside signs un the UK until the 1930's when legislation made local council authorities responsible for roadside signs in their area. The AA continued erecting their own roadside signs which can still be seen today and are easily recognisable as they are yellow and often direct car drivers to major events and tourist attractions.

In 1907 AA members on bicycles became their first ever car breakdown patrols - it would have been too expensive for them to use cars so they had to make do with bikes. They were aptly named "cycle scouts", patrolling town and city streets, and would often warn motorists about approaching speed traps. They would assist drivers who's car had broken down by completing minor roadside repairs or cycling for further assistance if they could not repair the car themselves. Within two years there were over 1,000 'cycle scouts' on the UK streets, all wearing a standard AA uniform.

1908 saw the first publication of the AA Members Handbook. Traveling by car was becoming increasingly popular (although nothing compared to today's standards). The AA appoint 'recommended' local vehicle repairers throughout the UK, and publish their details within the handbook.

In 1909 the AA launched it's free legal assistance which would offer legal support to car drivers who were being prosecuted for incidents that had occurred while they were behind the wheel of their car.
In 1910 an AA patrolman was prosecuted for obstruction a policeman after he flagged down an approaching motorist and warned him of a police speed trap further down the road. The historic 'Betts v Stevens' case was quite famous and the police hoped the outcome would deter the AA from warning drivers about speed traps, but it didn't. Instead the AA introduced a signaling system where by AA patrols would wave at any approaching vehicle which displayed the prominent yellow AA badge. If there was a speed trap ahead the AA patrol man would not acknowledge the driver, which would act as notification of the impending speed trap. Because the AA were technically not warning the driver of the speed trap, they could then not be prosecuted for it. This system continued until the late 60's.

1910 also saw the AA produce it's first car road map. It was initially handwritten, with routes and points of interest often added. By the late 1920's there were over 7,000 maps in circulation including maps of European countries.

In 1912 the AA started to inspect hotels and restaurants, and giving them a start rating based on the quality. These were later added the AA Members Handbook.

By 1914 the AA had over 83,000 members. In addition to the traditional bicycle patrols the AA introduced motorbike patrols, allowing it to respond to breakdowns more quickly and in areas that were previously not accessible. Addition of motorbike sidecars, the AA were able to equip their patrols with more tools, allowing them to repair more cars at the roadside.

1920 saw the AA begin the introduction of the roadside phone. This would allow car drivers to call for help in the event of a breakdown.

The road traffic act of 1930 abolished the 20mph speed limit which had been in force in the UK since 1896. The road traffic act 1934 then introduced a 30mph speed limit for urban areas, although speedometers were not a legal requirement in vehicles until 1937. The AA continued it's fight to help motorists avoid police speed traps, and assisted those who had been caught in them.

By 1938 the AA had almost fully replaced the bicycle patrols with the motorbike side car patrols, with up to 1,500 of them on patrol at any one time. The AA's breakdown recovery patrolmen would start their day in a central location, and then set out on a pre determined route looking for broken down and stranded motorists.
By the end of 1939 the AA had 725,000 members, which equated to approximately 35% of the cars on the UK roads. After world war 2 had ended, petrol rationing continued, and as the AA had done previously, they led the protests against this. Eventually they proved successful when in 1950 the rationing was lifted. As soon as the war ended the number of cars on the UK roads continued to increase, and so did the number of AA members.

1949 saw the introduction of four wheel patrols following the purchase of a fleet of Land Rover cars. These 4x4 cars were perfect for the job, as they offered the AA patrolmen the ability to carry significantly more equipment than the motorbikes could, they could also attend breakdowns in hard to reach places (including off-road), in all weathers. The next 20 years saw the AA gradually replace their fleet of patrol motorbikes with 4 x 4 cars and vans.

The AA also introduced their fleet to a revolutionary technology which was very new at the time; the two way radio. This revolutionised the service that the AA could offer. Thanks to this technology, the AA were able to offer their first night time patrols throughout London from 1949, a service that quickly expanded to the rest of the UK.

In the 1970's commercial radio stations were really taking off, so in 1973 the AA launched "AA Roadwatch" which is a traffic update broadcast via radio stations. AA Roadwatch is now Europe's biggest broadcaster of traffic updates. In this same year the AA launched a new car breakdown product known as 'AA relay', where they would transport a members broken down car, and contents to any UK mainland destination, innovation which competitors soon followed.

In 1967 the AA launched it's insurance brokerage arm which has expanded steadily ever since, selling not only car insurance, but home, and travel insurance too. Services are offered to the whole market and not just to AA members.

In 1973 the AA moved home, from it's historic former head office location in London's Leicester Square which had been home since 1908, to Basingstoke in Hampshire. The AA continued it's tradition of campaigning about motoring issues, when in 1983 legislation was passed making it mandatory to wear a seatbelt while in a moving car. They also campaigned heavily for the introduction of lead free petrol.
In 1992 the AA launched it's driving school franchise, which has expanded to have around 1,800 instructors today. The AA also rapidly expanded it's list of publications of maps and travel guides covering locations across the UK and through out the world. The AA are now a world leader in the field of travel publications, with titles in 29 languages.

By 1994 AA membership was just over 8 million and in 1999 their members voted the de-mutualise, so the company was sold to Centrica for £1.1 billion. Following this deal the AA moved it's home once more, relocating it's head office to Farnborough, Hampshire.

In 2002 the AA Motoring Trust was founded in order to continue the non commercial activities of the group. 2003 saw the introduction of the AA mobility service, which won the insurance times innovation of the year award. Any customer with comprehensive cover now receives a free courtesy car after a breakdown that cannot be repaired at the roadside.

2004 saw the introduction of the AA online route planner, one of the UK's most popular free online route planning services. By entering your start location and your destination, the service will provide you with step by step instructions, map, distances and approximate timescales for each leg of the journey.
Also in 2004, the AA launched the AA buyers guide, a guide to help car drivers when they are purchasing either a new or used car. The travel books under the brand "Key Guide" were released, as well as the AA Telephone Savings Account.

In 2005 the AA was sold once more in a deal worth £1.75 billion in a joint deal with European private equity firms CVC and Permira. This deal represented a significant profit on the sum paid by Centrica a short 6 years earlier. This deal resulted in the AA moving it's head office back to Basingstoke once more.
2006 saw the AA continue it's fight against speed traps, by including the locations of speed cameras on it's maps and road atlases.

In 2007 CVC and Permira merged with Saga. During the deal the AA was valued at £3.35 billion. In 2008 the AA had over 15 million members, and attended 3.6 million breakdowns.

See the latest AA breakdown cover reviews or read Start Rescue Reviews.