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Breakdown Repair Insurance

Breakdown cover is like an insurance policy. Should your vehicle develop a fault and leave you stranded, the cover you've purchased 'pays out' by way of providing you with breakdown assistance 24/7, anywhere in the UK. All it takes is one phone call and you'll have an experienced roadside mechanic dispatched to your location. The mechanic will diagnose the problem and look to get you on your way as swiftly as possible with the minimum of fuss. There's no charge for the mechanic's time, and no call out fee to worry about -- just a proficient service delivered with a smile.

However, it is important to realise that, no matter which level of breakdown cover you have bought, the cost of replacement parts used by the mechanic to fix your vehicle is not covered by your policy. If the mechanic installs a new battery, or perhaps a new wheel or headlamp, you'll have to pay for it.

The same of course is true if the vehicle cannot be repaired at the roadside, and instead needs the attention of a repair garage. But whereas your breakdown cover meets the labour costs of a roadside repair, at a repair garage you'll have to pay for both the time spent on the vehicle by the mechanic, and the cost of the parts too. Given that some garages bill labour in excess of a £100 per hour, the cost of fixing your car and getting it back on the road could rise quite substantially! 

Repair insurance

It is in situations like these, when you have little choice but to have the mechanic replace a part or tow your vehicle to a repair garage, that you might find breakdown repair insurance useful. In simple terms, breakdown repair insurance is a policy that covers the cost of repairs to your vehicle when it breaks down. This includes the cost of replacement parts used and, when the repair takes place at a garage, the cost of labour up to ceiling amount. Many providers offering this service also allow you to make a certain number of claims each year without those claims affecting your insurance premium.

Breakdown repair insurance is purchased as an additional element to breakdown cover. It can be used with all breakdown cover options, from standard roadside assistance upwards, and pays out on the basis of your car being installed with replacement parts at the roadside or at one of the provider's approved repair garages. 

What's covered?

Repair insurance can save you a lot of money, especially if you have an older vehicle that is perhaps more prone to breakdown issues than a newer car might be. Standard parts covered by repair insurance include:-
  • Starter Battery
  • Starter Motor
  • Alternator
  • Clutch Assemblage
  • Head Gasket
  • Radiator (replacement and repair)
  • Cam Belt

Check with your provider for a full list of parts covered. Find out too how much labour is included in your cover as there may be a limit to how much you can claim.

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