Do you need breakdown cover?

August 4th, 2011

Although basic breakdown cover starts from around £30, it can quickly rise once you include home start, national recovery and potentially European cover.

You have to make a decision what is best for your situation, baring in mind your type of vehicle and likelihood of it breaking down, the amount of driving you do, how far you travel from home and your own car knowledge and abilities.

In my instance, I drive an old but reliable Volvo which just keeps on going. Although I only drive locally in the week, I often drive to the coast of the hills which can be up to 6 hrs away. I also have basic car mechanics knowledge including what to check  in the engine if everything stops, how to change a tyre and a few other fundamental bits to ensure you know your car. That said, I still have full breakdown cover from the RAC which covers me with home start, roadside assistance and national breakdown recovery. This is because, I drive an older car which could pop at anytime and the cost of a tow truck from an independent company far out ways the cost of annual cover which gives me piece of mind.

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So when I had this blow out on the M54 a couple of weeks ago it was time to put what I knew into action. Sounds more dramatic than it was, but losing a wheel at 70mph is not fun although the weight of the Volvo meant it didn’t suddenly swerve off the road but gave me enough time to swiftly steer onto the hard shoulder.

All it meant was that I had to change the tyre which is relatively easy and everyone should know how to do if they drive a car, but when you’re doing it next to cars travelling at 70 / 80 mph it’s a little more daunting. We got the job done and were on our way in 15mins.

If you’re happy changing a car tyre, just remember; 1. ensure you have all the tools in the car 2. Make sure the car is very sturdy on the jack before you remove the wheel and ideally place some blocks underneath the chassis incase the jack fails 3. tighten nuts up on the new wheel diagonally across the ensure its evenly tightened 4. if the wheel is roadside, be very safe and if you don’t feel sure about changing the tyre close to the road, don’t… ring the breakdown service.

So from my perspective, even if you have good car knowledge, I would still purchase cover, even if it’s the most basic of car breakdown cover, for around £30 you can have piece of mind that if your breakdown at night, can’t fix it yourself or just don’t want to get your hands dirty, someone will be on hand to give you assistance.

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Breakdown Cover Cheaper For New Applicants

July 31st, 2011

Times Money recently ran a piece suggesting that car breakdown cover can be much cheaper for new applicants than it is for people who renew with the same breakdown provider.

Lots of folk simply renew their annual breakdown cover every year with the same provider without realising that it might actually be cheaper to move to a new breakdown cover provider.

The difference in price can be quite substantial according to Times Money; sometimes policies for existing customers can be over half as much more than for new breakdown cover applicants.

It does, however, look like contacting your existing breakdown cover provider might see a reduction in your annual premium. Commenting on the Times article, personal finance website Moneyhighstreet said: “Customers should be more ready to contact their providers. As demonstrated by the Times, some customers who have called and challenged their providers over their renewal premiums have managed to get them reduced.”

An AA spokesperson explained the logic behind their own breakdown cover system for new and exisiting customers: “We do offer first-year introductory discounts to encourage people to join the AA, but new members do not have access to loyalty services such as two additional call-outs per year, free access to our legal helpline, free 24-hour European cover plus additional discounts on a range of products and services.”

Another way to save money can be to buy your breakdown cover online. Savings of over 40 per cent are often offered by providers like the AA and RAC as an incentive to sign up.

This really does highlight the fact that it is always worth shopping around for annual breakdown cover if you want to save yourself a few quid every year. And that’s why we provide breakdown cover comparison charts so that you can see which are the cheapest options at any particular time. Save yourself some money the next time you are due to renew by comparing prices on our Breakdown Cover page.

GEM Motoring Assist hit the top spot in breakdown cover survey

June 22nd, 2011

GEM Motoring Assist have, for the third time in four years, hit the  top spot in the AUTO EXPRESS Driver Power Survey for breakdown cover, proving that their small and friendly service consistently impresses our customers over those of the major operators including the RAC, AA and Green Flag.

The survey of over 20,000 readers compares responses to criteria including service, friendliness, value-for-money and general presentation, with GEM coming out top in all but one category. Its overall satisfaction rating of 89.97% in the survey is the highest ever recorded, making them officially the best breakdown firm on the market, according to Auto Express.

GEM offer 3 types of breakdown cover car rescue at some of the best prices:

Recovery Extra - £86.80

Recovery Reclaim - £67.45

Roadside - £51.25

Until 31st July 2011, you can add an additional driver for FREE. So Joint Cover (two people living at the same address) is the same price as single cover and Family Cover (up to four people living at the same address) is the same price as standard Joint Cover.

GEM Motoring Assist Packages

A Classic Mistake – Driving Without Breakdown Cover

May 25th, 2011

Owners of classic cars have been warned not to risk taking the motor out for a spin without buying some breakdown cover first.

A recent survey of over 5,000 people by Footman James, a classic car and motorcycle insurance specialist, has revealed that just 1 in 14 classic car owners consider breakdown cover to be a top priority.

Compare that to almost one in three classic car drivers who said they wouldn’t go out in the motor without their mobile phone. At least some of the drivers canvassed took safety into mind though since 18 per cent of them said they would always pack a tool kit.

1 in 6 classic car owners admitted that they had no breakdown cover for their vehicle and 3 per cent couldn’t remember if they were covered or not.

Managing director of Footman James, Paul Matthews, said: “As many classic vehicles will have been in hibernation prior to the touring season, it becomes increasingly important that owners have the right levels of breakdown cover in place should the unthinkable happen. While it might be tempting for owners to fix minor problems themselves, breakdowns often require expert assistance to get the vehicle safely back on the road.”

“Every year between May and September, we see a high increase in calls from touring customers who find themselves relying on breakdown cover to get them back on track,” said Mr Matthews.

No matter which sort of car you own and drive, don’t take the risk of driving without suitable annual breakdown cover. It could be much cheaper than you think and will give you peace of mind. Shop around for the best deals on breakdown cover from a range of breakdown providers on our Breakdown Cover homepage.

Switch To Halifax And Get Free Breakdown Cover

April 30th, 2011

There are always deals knocking about which can entitle you to cheap, or sometimes even free, car breakdown cover.

One area that is always worth looking into is current account deals with UK banks. Sometimes the banks will offer you some sweeteners, such as free car breakdown cover, if you are willing to switch to their current account from a rival provider.

Once upon a time it was a real pain to try to switch your current account to a new bank. The original bank would often drag their feet on passing over information like direct debits and regular payments such as standing orders.

The paperwork and time lag involved often made it not worth the effort to switch to a new current account provider even if they offered you a real incentive such as free car rescue cover.

Thankfully, over the last three years or so since the European Banking Committee got tougher on the banks – and it can now be completely hassle-free to transfer your current account to a new bank.

That now means that deals with free annual breakdown cover are really attractive. Often, you will also get some other bonuses such as free travel insurance in addition to the breakdown cover.

One of these current account transfer deals that we’ve seen recently is the Halifax Reward Current Account. Switch to that account from another bank and pay in £1,000 a month or more and you’ll get car breakdown cover, travel insurance and mobile phone cover thrown in.

Do make sure that you read the small print details of the Halifax Reward Current Account before you commit to switching over though.

If you are happy with your existing bank but would still like great deals on annual breakdown cover then don’t despair – we can help you find the best breakdown offers around. Check out our selection of Annual Breakdown Cover deals now with our Breakdown Cover Finder.

Annual Breakdown Cover Could Become Compulsory

January 24th, 2011

Proposals have been put forward by the coalition government which could see Annual Breakdown Cover become compulsory in the UK.

As you well know, it is already compulsory for all motorists to have car insurance on a vehicle and, if the new proposals are accepted, then the same sort of rules will apply to breakdown cover also.

At the present moment there is no legal requirement to take out annual breakdown cover or joint breakdown cover on a motor vehicle so the British Insurance Brokers Association have come out in favour of the proposals.

The British Insurance Brokers Association says that compulsory breakdown cover on cars will level the playing field for all motorists and create a fairer system.

The same legislation will also hope to tighten up on the existing laws on car insurance too. At present, drivers can only be penalised for being without insurance if they are caught behind the wheel. Ministers hope to extend the laws so that car insurance will be compulsory even if the car is never taken out of the drive.

Ministers say that the new legislation on car insurance and breakdown cover will lead to lower premiums for motorists who stay within the law.

Don’t wait for breakdown cover to become a legal requirement as it makes sense to be covered anyway. Compare prices from various breakdown cover providers now on our UK Breakdown Cover Comparison page.

Green Flag Breakdown Cover With Santander Current Account

November 22nd, 2010

We’ve spotted a great deal if you are on the hunt for annual breakdown cover at the moment. Santander are currently trying to entice people to switch over to their current accounts from other banks and are offering a few benefits – such as breakdown cover – to sweeten the deal.

Until the 12 December you can switch to a Santander current account and could receive up to £100 in the process. There are a few current accounts to choose from, and not all of them entitle you to free UK breakdown cover, so pick out the one that’s good for you and there’s money to be saved.

Two of the Santander current accounts have no fees attached to them. First there’s the Santander ZERO and Preferred In Credit Rate current accounts. To qualify for the £100 cashback on these two accounts you have to switch your existing main current account to Santander and pay in £1000 a month. Both of these accounts offer 5% APR – but, unfortunately not the free breakdown cover.

So, if it’s the breakdown cover that’s the dealbreaker for you then you should look at the Santander Reward or Premium current accounts. Again, both of these accounts offer the £100 cashback providing you switch from another current account and pay in £1000 a month. The difference with these two accounts though is that they come with Green Flag breakdown cover and a bunch of other benefits. The Reward account costs £10 a month and the Premium costs £20 a month and other benefits include travel insurance and card loss assistance.

Head of Santander Current Accounts, Gillian Almond, said: “At Santander we offer a range of current accounts with some of the best rates on the market - and we’re rewarding every customer who switches their main current account to us with £100 cash. We want to encourage consumers not to settle for less and to shop around for the best current account deal. By joining Santander they’ll get £100 cash, a great in-credit interest rate as well as access to our preferential savings and mortgage products for our loyal customers.”

If these Santander current accounts don’t float your boat but you still need to find cheap car rescue cover then you will find great deals from Green Flag and other breakdown providers on our UK Breakdown Cover page.

Over £100 Million Wasted By Not Having Breakdown Cover

September 4th, 2010

The AA has revealed that over £100 million was wasted last year by people who did not have adequate annual breakdown cover when they needed it the most.

During the economic downturn it would seem that one area where people have tightened their belts is on the cost of motoring. One way to do that is to risk a breakdown without taking out car rescue cover. But, is it wise to do so?

The AA figures show that it is very important not to scrimp and save on your annual breakdown cover because the actual costs involved should you need to call someone out and pay for it yourself could be far, far higher and come at a time when you just don’t have the cash to pay.

Over 2 million people suffered the agony of breakdowns without cover last year and had to shell out an average of £100 to call out a garage to assist them. In many cases the individual costs where much higher than that if the vehicle could not be fixed on the spot and had to be recovered. And, since some annual breakdown cover starts out at less than £20 a month, it would seem to be a completely false economy to try save money and put your car at risk by not having some form of breakdown cover.

So, don’t leave yourself stuck at the side of the road when there is so much cheap car rescue assistance available. On our website you can compare the best value deals from a range of breakdown providers selling annual breakdown cover or even joint breakdown cover.

Take out some annual breakdown cover today and put your mind at rest!

Breakdown Cover Finder Launches - Summer 09

July 12th, 2009

Breakdown-cover-finder.co.uk to much antisipation has now launched in the UK.

With the mission to provide clear and biased overviews of emergency breakdown cover providers in the UK, Breakdown-Cover-Finder has access to the latest and best offers as soon as they’re launched by the provider, giving consumers everything they need to make an informed decision.

Focussing on the breakdown companies that provide the most complete emergency roadside assistance, the packages we compare are offered by companies such as RAC Breakdown, AA Breakdown, Green Flag Breakdown, Rescue My Car, More Than, Autonational and GEM Motoring Assistance.

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