Personal Breakdown Cover
What is Personal Breakdown Cover
Personal breakdown cover is the type of assistance that can help a driver or rider of any vehicle they are operating when it becomes disabled on a road in the UK. This is a driver specific type of cover so a person will never be alone on the road with a vehicle that is not operational. This type of cover is also referred to as family car breakdown cover or simply family breakdown cover.
Who would have personal breakdown cover?
Personal breakdown cover is designed to help provide roadside assistance to a person who is not only on the road a great deal of time, but in different vehicles. This type of cover has a named person and not a vehicle so no matter what vehicle breaks down if the named person is in it, roadside assistance will be rendered.
Family Breakdown Cover
Family Breakdown Cover is designed for families and will let you add 3 or more people to the policy. As such you can add the whole family and get cover for all the cars in the household. So each person is covered regardless of which car they choose to drive. This makes it a very popular option over the more traditional car specific breakdown cover.
Personal breakdown cover is not only limited to cars, but can include motorbikes and vans if at the same address. So you can choose to take out traditional motorbike breakdown cover or if you live with other people you can also choose family cover. The personal breakdown cover can include the motorbikes and other vehicles of the family members that live at the same address.
What is the advantage of having personal breakdown cover?
The vehicle that becomes disabled on the road can be owned by the named person of the vehicle or can be owned by someone else. The named person can also be just a passenger in the vehicle that breakdown. That vehicle is also eligible to receive roadside assistance just as long as the named person in the policy is present when the mechanic arrives on the scene of the disabled vehicle.
Personal cover is also very handy to have for a person that commutes daily to work, but rides or drives for leisure in off work hours in another vehicle.
What can be included in the basic personal breakdown cover?
What are the add-ons for personal breakdown cover?
Home assistance provides for roadside assistance to occur at the residence of the named person in the policy.
The use of personal breakdown cover can benefit a person who has more than one vehicle. It is also useful for a person who carpools regularly. With this type of insurance, help is just a text or phone call away no matter what vehicle breakdown.