Do I Need Breakdown Cover?

It’s illegal to drive without car insurance. However, there are no legal requirements to get breakdown cover.

So do you need breakdown cover? Or is it something you can do without?

What Do You Do If Your Car Breaks Down?

What would you do if your car broke down? You’d have two options. You could either try to fix the issue yourself – which might not be possible. Or you could call a breakdown company, such as the RAC.

What Does a Breakdown Company Do?

The breakdown company would then send a mechanic to you. They’ll try and fix the problem at the roadside. But if they can’t, they’ll tow your car to the nearest garage. If it’s a serious issue, they might give you a lift home, or else provide you with a taxi or alternative transport while they work on your car. If you’re far from home, they might even provide free accommodation.

What Is Breakdown Cover?

Add breakdown cover to your insurance policy and you’ll get priority access to support from a breakdown company. That way, your car insurance can provide total protection. No matter what happens to you or your car – whether it’s an accident, a breakdown, a fire, or theft – you’ll be fully covered. This can be very reassuring for all drivers, particularly if you are a new driver.

Home Start Breakdown Cover

Some insurers offer home start breakdown cover – or home assistance breakdown cover – as an optional extra. This basically means that you’ll be covered for repairs at every stage of your journey. So if your car won’t start on a cold winter’s morning, for example, your insurance could cover the costs of a mechanic callout.

Most breakdown policies only cover roadside assistance. They often specify that you must breakdown a certain distance away from your home to qualify for support. So if you breakdown close to home, or if your car won’t start in the morning, your breakdown cover won’t apply, which is why home start cover can be so beneficial.

Do I Need Breakdown Cover?

Any driver can call a breakdown company in an emergency. But this sort of support doesn’t come cheap. The problem is that you’ll have no choice but to pay for their services. Because if you don’t, you’ll be stranded!

Plus, breakdown companies tend to prioritise their existing customers. So if you’re not already a member of a breakdown company, expect to wait a while for assistance.

But add breakdown cover to your comprehensive car insurance policy and you won’t have to worry about paying for assistance after a breakdown. It will all be covered by your premium payments.

Plus, as you’ll be a member of a breakdown company, you won’t have to wait so long for roadside assistance. So even if you breakdown in the middle of nowhere, you can rest assured that help will be on the way before too long.

What Breakdown Cover Do I Need?

All drivers should consider breakdown cover. Ideally, you’ll never have to use it. But if you ever breakdown, you’ll be very glad you paid for cover! However, there are some drivers who should especially consider breakdown cover.

If you drive an older car, for example, you might be more likely to suffer a breakdown than other drivers. New drivers might also be more likely to breakdown. If you’re inexperienced behind the wheel, you might be a bit too rough with the clutch. Or you might struggle to read a road surface, and suffer a tyre blowout after driving too fast over a pothole.

In any case, breakdown cover can provide extra peace of mind while you build up your confidence as a driver.

Affordable and Reliable Breakdown Cover from Go Girl

We’ve teamed up with the RAC so you can get good breakdown cover as an added extra to your existing car insurance policy.

You can choose from a number of levels of breakdown cover, including roadside assistance, recovery, home start, onward travel, and European breakdown cover. Head here to learn more about how our breakdown cover works.

If you get breakdown cover as part of your existing policy, you won’t have to compare different quotes from different companies. But you can still be sure that you’re getting exactly the cover that suits your specific needs.

We specialise in driving down the cost of cover. Get in touch to get a quote with added breakdown cover for your car insurance in a matter of minutes.


Get your instant online quote today!


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