You’re on your way, your car or motorcycle breaks down. Irksome, right? Well, at that point, you won’t have the energy or the time to seek a mechanic nearby. Besides, what would you do if you are stuck in an isolated location? Now imagine, you have a personal breakdown cover and a number on your phone that you can dial whenever you are in such a situation. You can call up your insurance provider and request a mechanic as soon as possible.
Your insurance provider will send a mechanic to your location to rectify the issue. If the mechanic fails to do so, he will take your car or motorcycle to a garage and ensure that the issue is resolved at the earliest. Meanwhile, you can board a taxi/cab and reach your destination if you don’t want to wait.
Thinking about buying it? Well, read on and know what all it covers before you make the purchase.
What Is A Personal Breakdown Cover?
Personal breakdown cover is a policy that covers you as a registered driver, regardless of the vehicle you are driving. So, whenever your car or motorcycle breaks down, you will be able to call up your insurance provider and request recovery assistance.
Some personal breakdown cover policies also allow you to request recovery assistance if you are just a passenger in a car or on a motorcycle. In short, it’s a policy that covers you.
What Does A Personal Breakdown Cover Include?
you’ll get assistance from a skilled mechanic immediately when your motorcycle, car, or van breaks down.
So, if you live in a family where most of you own a vehicle each, you can choose the joint or group personal policy. It would help you get coverage for your entire family, no matter which car or bike they pick to drive.
You can build your own personal breakdown cover with different options such as National Recovery, At Home, Onward Travel, and Parts and Garage Cover.
When you sign up for the personal breakdown cover, you get:
- You can call up the insurance provider anytime and get your vehicle fixed by a trained mechanic. If the mechanic is unable to fix your car, he’ll take it to the garage and get it fixed for you.
- If the problem in your car or motorcycle is not a recurring one, you can call the insurance provider anytime. Be it day or night, your breakdown cover provider will make a mechanic available for fixing the issue.
- You get 24/7 roadside assistance if you are just ¼ miles away from your home.
If you are getting a personal breakdown cover, then you have to be prepared to fork out a little more than the vehicle breakdown cover. However, the flexibility that you get with a personal cover is unparalleled.
Explore below some of the packages, offered by White Recovery, and make an informed decision.
How Is Personal Breakdown Cover Different From Vehicle Breakdown Cover?
As mentioned earlier, personal breakdown cover ensures an individual driver while vehicle breakdown cover insures one or more vehicles.
Check the difference in detail below:
- With a personal breakdown cover, you can request roadside assistance from your insurance provider, when you come across a breakdown in any vehicle. With a vehicle breakdown cover, you can request assistance from your provider only when you are driving the particular vehicle that is covered in your policy.
- You can include more than one person in a multi-person personal breakdown cover. A vehicle breakdown cover would be more suitable for people who often share the same car or motorcycle.
- Suitable for people who drive hired cars, family/friends’ cars, work cars, or any other cars. Contrarily, vehicle breakdown cover is suitable for people who mostly drive only one car.
When To Choose The Personal Breakdown Cover?
When you are planning to go for a breakdown cover, you must ask yourself these questions before:
- Do you have more than 1 car or motorcycle in your home?
- Do different members of your family share the same car?
- Do I drive the same car or different cars on a day-to-day basis?
- Do I want to get my children and parents covered in personal insurance?
The bottom line is, if you have more than 1 car in your home, a personal breakdown cover will be best for you. It’s even better if your kids travel with other people such as van drivers or cab drivers. If you get a group cover, your kids will be covered too.
However, if you share your car or motorcycle with people outside of your family, then a vehicle breakdown cover will suit you better. Make sure you compare both these breakdown covers before buying one.
What’s The Right Personal Breakdown Cover?
If you have decided to buy a personal breakdown cover, then you’ll be given a choice of the level of breakdown cover. The level starts with a basic roadside assistance coverage package. You can modify the package as per your individual requirements. Following a breakdown, you’ll be eligible to call a roadside engineer to rectify the issues in your car or bike. For further repairs, your car or bike will be escorted to a garage. You can modify your personal breakdown cover in the following ways:
- You can add the Home-Start to your personal breakdown cover. It will make you eligible to call the engineer if your car or motorcycle doesn’t start at home.
- If you are a regular visitor to Europe, then adding a European single cover to your breakdown cover would work well for you.
- You can also add National Recovery to your breakdown cover if you drive a van and want the passengers to be covered in it.
Personal Breakdown Cover – FAQ’s
1. Will other people be covered if they drive my car?
No, not really. Personal cover is meant to cover you alone. And therefore, if somebody else is driving your car, he/she won’t be covered under the policy.
However, you can always add your partner, family members, or friends to your personal cover. It will become a joint cover or a family cover. After that, they will also be covered if they face a breakdown in your vehicle.
2. How many people can I add to my personal cover?
Most insurance companies provide you with the provision to add up to 3 people in a joint personal cover or family cover. However, this may differ from different companies.
3. What vehicles are covered in my personal cover?
A typical personal breakdown cover would include most classic cars, vans, motorcycles, etc.
4. Am I covered if I am driving someone else’s car?
Yes. With a personal breakdown cover, you will be covered if you are a driver or a passenger in any car.
5. How do I pay for my cover?
You can pay for your personal cover via debit/credit card annually or monthly.