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If one has ever had the experience of having your car breakdown in the middle of nowhere when you are suppose to be enjoying a road trip with your family, one will know just how frustrated it can be during these times. In fact, car breakdowns are a nasty experience and definitely not something that anyone will plan before hand. It is during these times that one might wish that help would be made available in some form; which is why car breakdown cover is deem important. Perhaps, there are some who do not see car insurance or car breakdown coverage as a necessity, but when you imagine yourself stranded in the middle of nowhere during winter, or trying to change a flat tire in the pouring rain; you might want to think again.
While car breakdown cover does not exactly ‘prevent’ or ‘reduce’ the chances of your vehicle breaking down, it does help to put a mind at ease, knowing that should such unexpected event arise assistance will be available one phone call away. Car breakdown coverage provides emergency roadside assistance services that aid drivers and motorists who have their vehicle suffered a ‘serious’ mechanical failure that leaves them stranded on the spot. Some of the basic services they provide include jump-starting a vehicle in case of a dead battery, towing, flat tire changing, fuel assistance, lock out cases where people accidentally locked their keys in the car and also for those who find themselves trap during winter when their car refuses to start due to the cold weather.
There are many different types of car breakdown coverage policy that is made to suit different individual with different needs. The packages range from basic coverage to premium coverage for those who are willing to pay more. Other services that might be included within the premium packages are such as home assistance and onward travel assistance when your car could not be repaired immediately or within a short period of time. Onward travel provides other alternatives for the convenience of the insurer with premium services such as replacement hire, alternative transport and hotel accommodation; all these while your insured car are being repaired in the garage.
With many different insurance companies offering similar packages on car breakdown cover the premium prices is offered at a rather competitive rate. Therefore, besides comparing quotes with different companies, one is also advise to read the fine print of the premiums. This is because while the larger and more popular companies tend to charge at a higher price, but they might offer better service and arriving at the scene at a faster rate compared to smaller companies.
This is because larger companies tend to have larger network hence they have larger coverage and will be able to answer to a call for roadside assistance at a faster pace; not to mention they will be able to invest more of better equipments and better service. As a result, while one might prefer to pay less for a policy, but if you could afford it sometimes paying a little extra tends to make a big difference.