Breakdown cover is one of those every day things that people tend to forget about and auto renew each year. By doing so there is a good change they are paying over the odds. There are a lot of great deals out there for basic policies or fully comprehensive cover for under £50. Below you will find the best deals in the UK this month.
Firstly some advice on how to find the best deals.
1) If you have a new car that’s still under warranty you probably don’t need a fully comprehensive policy. As we discussed in our “Guide To Breakdown Cover” the most basic type of policy provides roadside assistance (your car will be fixed by the roadside or towed to the nearest garage). This should be enough for new car owners as the cost of repairs and replacement vehicles is usually provided under their new car warranty. A “Comprehensive Cover” policy usually provides for a replacement car as well as home assistance (when your car will not start)
2) Do you want to cover yourself or your car? Policies that provide personal coverage when driving any car are typically more expensive than those that cover a single car. If you never drive anyone else’s car then avoid this type of policy. If you choose to cover your car you get the added benefit of it being covered even when someone else is driving it.
3) Consider a “joint policy” for you and your wife. Typically a policy that covers multiple family members will work out cheaper than buying individual policies for each.
4) Negotiate! It is fairly common for people to negotiate the cost of their coverage, especially when it comes time to renew. The breakdown industry is a large, lucrative and highly competitive industry so don’t feel shy about haggling for a discount or a price match deal.
Best Breakdown Cover Deals
The cheapest policy available from the RAC is £29.99 per year. This is a basic policy that offers “Roadside Rescue.” It covers breakdowns more than 1/4 mile from your home and is available 24 hours a day. It includes a 10 mile tow to a local garage or destination of your choice for you and up to 6 passengers if the car cannot be fixed at the roadside. There are often cashback deals available which bring the cost down further and more comprehensive policies are available for both you as an individual and your vehicle.
StartRescue offer a range of policies from £16.45 for the most basic cover to £58.50 for their most comprehensive option. The basic policy covers breakdowns more than 1 mile from your home and is available 24 hours a day. It includes a 10 mile tow to a local garage or destination of your choice for you and up to 6 passengers if the car cannot be fixed at the roadside. Their comprehensive policies offer everything from European Roadside Assistance to National Recovery and Home Assistance and is one of the best comprehensive policies we’ve seen.
The cheapest policy is from £25 per year although only around 10% achieve this quote (it takes into account the age of your car). Most people will likely pay around £30 for their basic policy (Rescue) which offers Roadside Assistance 24 hours per day. Their Rescue Plus option starts from £35 and include Home Assistance. They advise that 40% of all reported breakdown occur at home which makes this an attractive “semi comprehensive” option. Their comprehensive policy (excluding European coverage) starts from £60 per year.
Kwik Fit Insurance
A newcomer to the breakdown cover market, Kwik Fit offers a basic vehicle only roadside cover from £15.93 per year. This policy is only available for cars that are less than 5 years old and breakdowns have to be more than 1 mile from your home. They offer 1 hour of roadside assistance after which time, if the problem has not been fixed, your car will be taken to the nearest garage. They also offer a Personal Cover policy which will protect you as both a driver or a passenger in another vehicle for £30.94 per year – a good option if you often drive or travel in another car.
The AA’s basic breakdown cover package costs £29 per year and provides Roadside Assistance for breakdowns more than 1/4 mile from your home. If they can’t resolve the problem at roadside they will tow your car to the nearest garage. The policy covers only 1 call out per year. A better option might be their standard “Breakdown Membership” which costs £39 per year and has no limits on call outs. If you choose to upgrade this standard option with Home Assistance, National Recovery or Onward Travel coverage you will receive gift vouchers between £20 and £50 for Amazon or M&S.