SUE’S GUIDE TO The Best Deal On Break­down Cover

My Weekly - - Finance -

I’ve just switched break­down providers – ditch­ing my cur­rent provider to re­turn to the AA. Yes, my old com­pany was cheaper, but I de­cided it was a case of “you get what you pay for” af­ter I’d had to wait two hours for help af­ter break­ing down in a su­per­mar­ket car park.

I did get an apol­ogy and com­pen­sa­tion af­ter com­plain­ing, but too late, in my book – I was off.

So here are my top tips on how to get the best deal with break­down cover.

Are you cov­er­ing you – or your car? Some com­pa­nies cover you, which means even if you’re a pas­sen­ger in a friend’s car that breaks down, you can call up for a res­cue, while oth­ers will cover your ve­hi­cle.

Call-out lim­its? You hope you won’t need to call at all, but it’s worth know­ing up­front if there’s a limit.

Get your car fixed. Break­down cover isn’t a cheap way to save on garage bills, as you’ll still pay for parts. And most break­down com­pa­nies won’t keep com­ing out for re­cur­rent faults, so if some­thing’s wrong, get it fixed at the garage.

Are you al­ready cov­ered? Around 50 of the 300 mo­tor poli­cies avail­able ac­tu­ally in­clude break­down cover ac­cord­ing to fi­nan­cial re­search group De­faqto. With oth­ers it’s of­ten an op­tional ex­tra, so check you’re not pay­ing twice for break­down cover.

If you’ve got cover and it’s up for re­newal, shop around. Check com­par­i­son sites, or join through deals on cash­back sites like TopCash­back where you can earn over £100 with an AA or RAC mem­ber­ship.

Make sure you get the cover you need

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