Is it Worth Having Breakdown Cover Included with Car Insurance?

These days, car insurance companies will offer you all sorts of incentives in order to get your business, from special discounts to cuddly toys. You might think you’ve found some great quotes, but then you have to look through all of these extras to work out which one is best; it can be a real pain. Breakdown cover is one of these things, but is it worth looking for an insurer that offers it with the premium?

Breakdown cover is something that everyone should have. It’s generally inexpensive, but comes in very handy when you need it. There are however, a huge range of companies to choose from, and different levels of cover. One of the main issues with ‘free’ breakdown cover that insurance companies offer is that it often doesn’t include a good level of cover. It’s far better to have what you need than get poor cover because it’s cheap. There’s nothing worse than breaking down and finding out that you aren’t covered because you’re too close to home.

The other problem is of course that it might say ‘free’, but this isn’t always the case, especially when you take into account the cost of the insurance premium. The breakdown cover should only really be a bonus. Because of the price difference between breakdown cover and insurance, free cover shouldn’t really influence your decision. If two prices are very similar, but one company offers breakdown cover, it’s probably a better idea to choose by the reputation of the company. Think about how much it would cost just to buy breakdown cover separately; it’s not worth a lot.

If you do choose to get breakdown cover by your own means, then it means that you can get exactly what you want, rather than settling for what you get. You can specify European cover for instance, and you can look through review sites to make sure you’re choosing a company that is going to be reliable and will give you a good level of customer service.

If you go to, you’ll see that the cost of cover starts from less than £30, so it’s really not worth deciding on an insurer by whether or not they offer breakdown cover. If they do, it’s a bonus, but don’t take it into account unless there really is nothing else to choose between two insurers.

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