Tailor-Made Car Insurance and Breakdown Cover
You can dramatically reduce the risk of breakdown by having your car regularly serviced and well maintained. But there are no sure ways to prevent it from happening. Also, road traffic accidents are unfortunately extremely common. For that reason it is good to know that you are covered in case the worst happens no matter if being in the UK or abroad. But are you really covered? And does your existing car insurance policy meet your specific needs?
Understanding Your Car Insurance Policy and Breakdown Cover
In the article ‘Car Insurance - Read the Terms and Conditions’ we discussed the Brits’ lack of understanding what their car insurance policies cover when they are abroad. About one half of the UK drivers don’t know whether their insurance policy covers the exact same things as at home when they are outside the UK. In some cases it does. But in many cases, the rules change the minute you leave Britain. So don’t assume that you are covered in Europe just because you have fully comprehensive insurance policy. Instead, read you insurance policy very carefully or check with your insurance agent/company a few days before the departure. That way you will have enough time to upgrade your policy if necessary.
Car Insurance and Breakdown Cover Tailored to Meet Your Specific Needs
Most drivers choose one of several car insurance and breakdown cover packages which range from fully comprehensive policies to the very basic covers. Likewise, there are packages for a few days only and those that keep you covered 365 days a year. However, even if you take a fully comprehensive policy and annual breakdown cover that doesn’t necessary mean you are getting what you think you are getting. For example, there may be an upper limit you are being covered for which means that you will have to pay any additional expenses yourself. Also, there may be a limit for the duration of a single trip.
The good news is that you don’t have to take the package if it doesn’t meet your needs perfectly. Instead, you can ask for a tailor-made car insurance and breakdown cover. It will probably cost you more but it is money well spent. A policy adjusted to meet your specific needs will also give you the peace of mind that you are covered for the worst case scenario.