Motor Breakdown Cover
Yes it's boring, there's no fun thinking about it, and it's definitely not fun paying for it.
There's a bewildering array of choices but a surprisingly few number of actual companies providing it.
Basically, there are only about 4 main companies providing the service, the rest are brokers, and apart from the obvious companies like the AA and RAC and Greenflag, the rest often use a wide range of independent motor breakdown operators.
That doesn't mean you should be put off using someone other than the big 3, because we know of one company that does it cheaper
It's well worth givingFirstcall motor breakdown cover a try
and you may be very pleasantly surprised.
Try to remember that there are limits to the cover.
You aren't supposed to buy motor breakdown cover and then assume that you don't have to maintain your car.
The very low priced Motor Breakdown Cover is available from FirstCall
and all you have to do to get the discount is phone up for Motor Breakdown Cover and give them the code FC02
<<<<< Last Page <<<<<----------------------->>>>> Next page >>>>>
Motor Breakdown Cover is usually the last thing on our minds, even when we're thinking of buying car insurance, and lots of us only do that because the law says we have to.
Funny how motor breakdown cover is exactly what you wish you'd bought, when the car breaks down far from home at night in the pouring rain!
Students never think of it, so maybe a sensible present for your young man or woman who's about to leave home, is Motor Breakdown Cover insurance, because, if they do run into problems with their car, at least you thought of it and took care of it....they'll be glad you did, and you'll even get a discount!
We're going to go through a list of things to think about when you are choosing which Motor Breakdown Cover to buy.
Starting with what you are covered for.......
Motor breakdown cover insures you for call out charges and up to one hours labour charges, at the scene of your breakdown where your vehicle is rendered immobilised within the territorial limits stated in the membership document.
Phew! What does that usually mean in fairly simple english?
Well unless it actually says so, your motor breakdown cover isn't valid in France, Belgium, Holland or Spain, so don't just drive your car onto the ferry for a day out, and think you can call the motor breakdown guy out unless you've definitely got european motor breakdown cover.
Immobilised means just that.....
If you completely trash your car because you did something stupid (like driving way too fast), and then think you've got this amazing Motor Breakdown Cover that includes every type of event, when you call out the trusty motor breakdown cover mechanic to fix it; you'll find he won't do it for free because that's not what you've paid for, and if it's your Dad's car he can't promise not to tell him!
Getting stuck on the beach after that great barbecue doesn't count either; because Motor Breakdown Cover only covers you for the normal highway, so if you must drive on the beach, try to work out how far in the tide comes because you'll be sorry if you don't..........
Summary of Motor Breakdown Cover:
OK, there's a definite limit to what motor breakdown cover insures.
Roadside assistance, roadside repairs, assistance at your home, onward destination service, which is the sort of thing we expect the motor breakdown guy to do for us.
Then motor breakdown cover insures any driver, cars, vans, and motorcycles up to 3.5 tonnes, and any caravan or trailer attached to your vehicle at the time of breakdown (up to a maximum 25feet), so no, it won't insure just any vehicle, you need to talk to the Motor Breakdown Cover insurers first if you are in any doubt at all.
The motor breakdown cover gives you up to 1 hours roadside assistance, and up to 6 call outs in any one year, so you should make sure your car is well maintained.
That's the point really, motor breakdown cover isn't meant to be a replacement for regular maintenance.
The motor breakdown cover guy will come out and do wheel changes when you get a puncture, (as long as you have a serviceable spare tyre and wheel and are able to provide a manufacturers key to remove any locking wheel nuts).
What is definitely not covered under Motor Breakdown Cover:
Any claim arising within the first 48 hours from the date of incepton, so no waiting until you actually need motor breakdown cover and deciding to buy it after you've broken down.
labour charges in excess of one hour, because Motor Breakdown Cover, like any insurance is limited to what you paid for it.
Motor Breakdown Cover doesn't insure the cost of any replacement parts or materials used in the repair, because that's what you'd normally pay for yourself anyway.
You'd have to pay for toll charges, ferry charges, parking charges or traffic congestion charges during the course of your journey, , storage charges incurred during or after the use of our services, so you can't expect Motor Breakdown Cover to insure you for that either.
The motor breakdown cover insures you for no more than 6 call outs a year, and lets face it you'd have to be very unlucky to have that many if you maintain your car.
I know we all do it from time to time if we get distracted but the fact is that letting your car run out of fuel is careless, and losing your keys is just as bad; and although the motor breakdown cover guy that comes out may well be sympathetic and may even try to help, he's not supposed to and you shouldn't expect him to.
If you have any broken glass that's normally covered by your own vehicles car insurance cover so the motor breakdown guy won't deal with that.
And if you get your car , immersed in mud, snow, sand or water the motor breakdown cover definitely can't help you. Actually I once did that, I got stuck in the sand at low tide, and when I rang everybody for help, nobody wanted to know.
Because it wasn't on the road, the motor breakdown cover didn't insure me.
Because it wasn't on the road, the police and fire brigade wouldn't come out.
Because the tide wasn't in, the coastguard wouldn't come out.
I got lucky with the R.N.L.I. because they had a caterpillar tractor they used to launch the lifeboat - it trundled around at 3mph while the tide slowly came in, and finally it dragged us out of the mud.
You may not be so lucky.
If you get your keys locked in your vehicle, motor breakdown cover won't help.
Territorial limits of Motor Breakdown Cover:
The United Kingdom including Northern Ireland, the Isle of Man and the Channel Islands, and nowhere else unless you take out extra motor breakdown cover.
Breakdowns:
Motor Breakdown Cover means an electrical or mechanical failure or a road traffic accident or damage caused by vandalism, fire, theft or attempted theft which renders the vehicle immobilised, it does not cover a car that's written off in a car crash.