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Understanding the Types of Breakdown Covers

Having a vehicle breakdown cover provides some excellent levels of protection as well as assurance when you are driving. If your car breaks down while you are on the road, or even at home, you are assured there are professionals who will come to your aid when you need those most. The most important question to look at is to evaluate keenly on what you need and what you don’t need to avoid incurring unnecessary expenses.

Choosing the Right Cover

When you want to choose the right cover for your car, you need to think about the type of breakdown policy that is best suited for you. You can choose between personal cover which covers you in the car, and vehicle cover, which cover your car. Additionally, you will need to choose between different options such as roadside assistance, vehicle recovery, onward travel, optional policy extras, and home assistance among others.

Choosing between a person or a vehicle

There are two main types to choose from. These are person cover and vehicle cover. A person cover means you will be covered in your car while traveling, both the driver and the passenger. When it comes to vehicle cover, it means only your vehicle will be covered, and any person driving, whether alone or with a passenger won’t be covered.

Should You Get Roadside assistance?

Roadside assistance is very importance as it forms the most basic level of protection in case of breakdown while on the road. This type of policy comes with its pros and cons. If you are on a tight budget, you should look for roadside assistance that gives you cover at the cheapest price. It is included in any breakdown policy but in case you want more, you can ask for extras such as vehicle recovery, onward travel, optional policy, among others.

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