Any help that comes at the time of need certainly serves the purpose well. On the contrary, anything that is not offered at the time of need proves to be valueless. Thus, during breakdown, if you get a mechanic then and there and he repairs your vehicle instantly, the service proves to be invaluable. This same help, if comes late, when you run out of your required time, will be of no value.
Sometimes it is not possible to ensure that you get a helping hand instantly when any mishap befalls on you. But with breakdown, it is possible to do so and for this, all you need to do is to take breakdown cover insurance. It is almost like any other auto insurance; the only difference is that it gives you on the spot coverage. Unlike any other insurance policy, it does not require any claim to make and paperwork to get help.
In breakdown cover, you make a call to the insurer informing him that the engine of your vehicle is not working and you are left stranded on the spot. As per the terms of the deal, they will be bound to send a mechanic to the spot then and there. With a mechanic ready to repair your vehicle as soon as the breakdown happens, your vehicle may start working unless there is a major problem.
So, you can resume your journey and avoid the loss that you were going to incur. Breakdown cover may not cost you too much; but the service it provides is highly valuable. When compared to the losses one has to face due to sudden breakdown, this type of car insurance proves to be a godsend. Be it the owner of a van or the one travelling in his personal car, breakdown cover makes real sense for both.
Breakdown Cover In Europe
When you are left in the lurch because your vehicle has met with an accident and you have nobody around to help, breakdown cover comes in handy. This type of insurance covers such accidents among other things. It ensures that you get a mechanic then and there though you are far away from a garage. The insurance company sends a mechanic to repair your car on the spot so that you can resume your journey.
If it is seen that car repairing would take some time, you can take another vehicle and continue with your journey. It would be the duty of the breakdown cover insurance agency to repair the car and make it ready for a journey again. So, you would not need to be worried that your car would lie unattended and unrepaired. With full confidence, you can resume your journey, either in your own car or in a hired one.
Though traditionally offered by a country's Automobile Association, nowadays almost all the mainstream car insurance agencies sell breakdown cover. It is more prevalent in the UK than anywhere else. Insurance of this sort is also known as 'emergency roadside repair' or 'roadside assistance'. As in the case of any other car insurance, it is necessary to know the terms and conditions of breakdown cover insurance policy. It helps to avail the full benefit of the insurance.
The definition of breakdown cover clearly states that the vehicle owner can claim the insurance benefit only if his car meets with an accident that causes a mechanical failure significant enough to leave him stranded. This means that simply meeting with an accident will not be sufficient to claim for the compensation. There should be a mechanical failure that makes the vehicle stop working. This and so many other details are to be taken care of while purchasing a breakdown cover insurance policy.
Smith James has sinced written about articles on various topics from Finances, Mortgage Insurance and Insurance. The author is an expert in car insurance, van insurance, breakdown cover, online insurance and has written a number of authoritative articles on this subject. His art. Smith James's top article generates over 90500 views. Bookmark Smith James to your Favourites.
