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Van breakdown cover is a type of insurance designed to provide roadside assistance in the event of a mechanical breakdown. Van breakdown cover is designed to provide protection from the many potential costs associated with a breakdown, including the cost of recovering the vehicle and having it repaired. It can also help with costs such as accommodation, vehicle hire, or even hotel transfers if the breakdown takes place at a distance from home.
As a van driver, breakdown cover can provide peace of mind and assistance when you are in need of assistance. If you are unfortunate enough to experience a mechanical breakdown, it can be a frightening and stressful experience.
Having a breakdown cover for your van is not legally required, but can give you reassurance if a tyre blows out or an electrical fault occurs.
It’s not much fun to be stranded without transport, and it’s particularly frustrating if you don’t have van breakdown cover and need to get yourself moving again or your van home. It’s not good if you have a dog in the back or if you’re packed with boxes. In addition to being a hassle, it could end up costing you a lot of money in towing and repairs.
The good news is that you can compare quotes online and get van breakdown insurance in a few clicks.
We often receive a lot of questions regarding van breakdown cover and what to expect. We will answer them here to give you a better understanding:
You might need to find a local garage if your van breaks down without breakdown cover. In many cases, you will have to pay a fee and find alternative transportation to continue your journey.
With a basic roadside assistance and local recovery policy, if the mechanic can’t fix your van right away, you’ll get towed to the nearest garage.
If you have national recovery in place, then your van can be towed to a location of your choice, anywhere in the country.
Look in your logbook to find the section on vehicle category or vehicle type approval, this will give you a letter and a number. It it’s ‘M1’ it’s a car and if it is ‘N1’ or ‘N2’ it is a van. If you’re unsure about anything, check in with the breakdown coverage provider.
It depends on the type of breakdown policy you’ve paid for.
If you have personal cover, then it should cover you for any van you drive, including if you’re a passenger in the van.
If you’ve bought vehicle cover – which is usually a cheaper option – then you’ll only be covered when you’re in the particular van covered by the policy.
This can vary between providers. Some offer unlimited callouts whereas others place a limit. And it’s unlikely you’ll be covered for repeat callouts for a recurring issue. Look out for any limits when comparing van breakdown cover between multiple providers, and make sure you get the cover you need.