Breakdown cover is a usually extra bit of insurance to give you peace of mind whilst out on the road. Suffering from a car breakdown can be a daunting experience, especially if you are on the motorway, in the countryside, and don’t have any breakdown cover at all. Taking out a breakdown policy could ensure you get the help you need, no matter where you are. But do you need breakdown cover?
In our guide, we will explore what breakdown cover includes, whether or not it is needed for you and your vehicle, and if it is a legal requirement. We will also explore the difference between personal and vehicle breakdown cover, the risks of not having breakdown cover, and how our policies at ALA can help.
Breakdown cover is a service designed to provide assistance when your vehicle breaks down. From a flat tyre to engine failure, breakdown cover ensures help is just a call away. Instead of being stranded on the roadside, you’ll have professionals to get you moving again or transport your vehicle to safety.
At ALA, we offer comprehensive and reliable breakdown cover that’s tailored to your needs. Our policies cover everything from roadside assistance to the cost of accommodation on our more comprehensive policies. We also provide European breakdown cover, ensuring you’re protected when driving abroad for an extra 31 days.
Breakdowns can happen at the most inconvenient times, whether it’s during your morning commute or a family holiday. Having a reliable policy means you’re always prepared, no matter the circumstances.
You can find out more about our vehicle breakdown policies here.
While breakdown cover isn’t mandatory, it’s a practical safety net for drivers. Here are some key benefits:
Whether you commute daily or drive occasionally, breakdown cover can save you time, money, and stress. It’s particularly valuable for those with older vehicles, which may be more prone to mechanical issues. Additionally, frequent travellers or those who rely on their car for work can benefit immensely from having a dependable policy in place.
If you want to protect your car from a total loss, consider our GAP insurance policies here.
No, breakdown cover is not a legal requirement in the UK. However, that doesn’t diminish its importance. While third-party insurance is legally mandatory to drive a vehicle, breakdown cover is an optional extra that enhances your protection.
That said, many drivers find breakdown cover essential, particularly if they travel frequently or rely heavily on their vehicle. It’s also worth considering the impact of being stranded without help, which can be inconvenient and potentially unsafe.
Even though it’s not a legal requirement, some drivers may feel that it’s a necessity for their peace of mind, especially when faced with the unpredictability of vehicle issues.
When choosing breakdown cover, you’ll typically encounter two main options: personal and vehicle cover.
Both types have their merits, and the choice depends on your circumstances. If you frequently switch between vehicles, personal cover offers flexibility. Conversely, vehicle cover may be more economical if you stick to one car.
Families or those sharing a vehicle may find vehicle cover more convenient, as it ensures that the car itself is always protected. Meanwhile, individuals who travel with different cars—such as work vehicles or rentals—may find personal cover a better fit for their lifestyle.
We provide car breakdown cover to all types of vehicles, from petrol and diesel to EVs and hybrids. You can start building your breakdown cover quote here.
Driving without breakdown cover can expose you to various risks, including:
Additionally, if you break down in an area with limited access to repair services, the wait times can be prolonged and frustrating. This can be especially challenging if you have young children, pets, or a packed schedule.
While breakdown cover is an added expense, it’s a small price to pay compared to the potential costs and stress of being unprepared. It’s always better to have coverage and not need it than to need help and not have coverage.
At ALA, we pride ourselves on offering breakdown cover that’s comprehensive, flexible, and excellent value for money. Our levels of cover include:
With transparent pricing and no hidden fees, our breakdown cover is designed to provide real value. We also offer a quick and easy sign-up process, making it hassle-free to get the protection you need.
Our commitment to customer satisfaction means you can trust ALA to provide support when you need it most. With years of experience in the industry, we understand what drivers need and strive to deliver the best possible service.
To find out more, get in touch with us today.
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