Motor Breakdown Cover

All the information you need to get the best deal on motor breakdown cover

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What are the different types of motor breakdown cover?

There are many different levels of motor breakdown cover offering different benefits and exclusions which reflect the price that you pay, but ultimately there are two different types of motor breakdown cover that you can buy – personal motor breakdown cover and vehicle specific motor breakdown cover.

What is the difference in these types of motor breakdown cover?

Personal motor breakdown cover means that the driver is insured by the motor breakdown cover company, and that no matter what car they drive they will be covered to call their company for assistance. This means that you could own more than one vehicle and only need one motor breakdown cover policy.

With vehicle specific motor breakdown cover, you have to register the details of the vehicle when you purchase motor breakdown cover, and you would only be covered on that vehicle for assistance. This works in the same way as car insurance, and you would need a seperate motor breakdown cover policy for each vehicle that you had.

Which type of motor breakdown cover is best?motor-breakdown-cover-2

In practice, if you had personal motor breakdown cover but someone else was driving your car, they may not be covered for assistance, whereas with vehicle motor breakdown cover any driver would be covered for assistance with the vehicle registered on the motor breakdown cover policy. It’s also more likely that someone else will be driving a vehicle than for one person to own muliple vehicles without someone else driving them.

Personal motor breakdown cover also tends to be more expensive – companies calculate motor breakdown cover premiums based on risk, and with personal cover having different vehicles to cover, the risk can be more difficult to calculate, resulting in a higher premium. With vehicle specific motor breakdown cover, the risk can be calculated easily based on the type of vehicle and its age, resulting in a reduced premium.

Where should I go for my motor breakdown cover?

For all of these reasons, on balance vehicle specific motor breakdown cover will be the best option for most people. It also makes sense to go to a motor breakdown cover provider that specialises in vehicle specific motor breakdown cover. For peace of mind, we recommend First Call for your breakdown cover. Founded in 2002, First Call offers the best breakdown cover for the price. Cheap breakdown cover from First Call is offered at fixed prices for any age vehicle. They also offer European breakdown cover for drivers who travel abroad. Join today!