Breakdown cover is essential for all drivers. Even if you don’t end up using your cover, it’s really important to have the protection of proper cover in place just in case something was to go wrong. That said, just because it’s essential doesn’t mean you shouldn’t shop around for the best price; so here’s a guide to help you save on breakdown cover.
Suit Your Needs
The first step to getting the best deal on breakdown cover is to properly assess exactly what level of cover will suit your needs. If you’re overcompensating and getting too much cover you’ll end up paying over the odds, but if you don’t have enough cover you could be left in the lurch in a breakdown situation. Breakdown cover providers offer various different packages and levels of cover, with differing prices to match – so once you’ve figured out what your needs are you can explore the options, and tailor your cover to suit them. Be wary of getting click happy and adding too many extras though, as they can really add to the overall cost of your cover. And remember, you can always add to your cover at a later date during the policy term if your needs change – for example if you decide to go on a European road trip, you can add European breakdown cover then, rather than paying for it throughout the policy with no guarantee of using it.
Don’t Sleepwalk Into Renewal
If you already have breakdown cover, you might be tempted to just let it roll over to renewal and avoid having to think about it for another year; but while insurance companies used to reward loyalty, these days the opposite is often true. You’ll find there’s almost always a discount code or offer available for one or two breakdown cover companies and the easiest place to find them is on the Internet. Allowing your breakdown cover to renew automatically is often far more expensive than shopping around – or even starting anew with the same provider, as once you’ve checked around you’re in a far stronger position to negotiate to stay with them at a discounted rate. You should also double check whether you have any breakdown cover included in your insurance policies or with your bank account. Many of us have this cover and end up paying twice for it without realising! Make sure to check exactly what’s covered though, as the breakdown cover included in these types of deals is often less comprehensive than individually bought cover.