Category: covering your car

Getting Breakdown Insurance

Breakdown insurance is a very nice thing to have, especially if you spend a lot of time behind the wheel. But before you buy, there are some things that you should know about breakdown insurance.

Negatives about Breakdown Insurance

  • Not all cars are eligible. You need to sign up for breakdown insurance while the vehicle is still under its original warranty.
  • There is usually an age and mileage limit on how long your vehicle will qualify for breakdown insurance.
  • Not all policies cover what is known as wear and tear.
  • It does not cover damages from an auto accident.

Positives about Breakdown Insurance

  • Regulated by the same Insurance Boards as your accident policy.
  • Can be paid in monthly payments.
  • Often covers more parts than an extended warranty.
  • Sometimes includes a limited amount of roadside assistance, such as towing.
  • Continues beyond the warranty.

Is Breakdown Insurance Worthwhile?

Is breakdown insurance coverage worthwhile? The answer is “that depends.” The age of your car and the number of miles on it are definitely a factor. If you will only get a few months out of the policy, it might be a good idea to bite the bullet and trade in your car. On the other hand, if your car has low mileage and has expensive parts, it might definitely be worth the extra insurance fee to have that margin of safety.

When do You Drive and How Often?

Even though you might take a  hit on the mileage, if you are on the road a lot with either a long commute or a delivery route, breakdown insurance could be a literal lifesaver. As anyone knows who has driven across the salt flats in Utah, there are places in the world where you don’t want to be without a lifeline for assistance. Even if your normal driving route does not involve hazardous terrain, it is no fun to be stuck miles from everyone or to be stuck in the middle of traffic on a busy freeway. When your vehicle breaks down, you want help to arrive as quickly as possible.

The “How Did it Add Up to That?” Repair Bill

Vehicle repairs are not cheap. Even if your unexpectedly large bill isn’t the result of a vehicle failure that leaves you stranded, a large repair, such as to the motor, transmission or drivetrain, can leave you feeling as if you’ve been run over by a Mack truck. That is when your breakdown insurance can really pay off by helping you over that bump. Although most such policies have a deductible, anything that requires pulling the motor is likely to add up to enough of a bill to make you glad that you only must pay the deductible, it’s still always worth checking your options on sites like

Maintaining the Right Insurance

It can be a careful balancing act to maintain the right insurance for your vehicle. You want enough insurance to take care of problems as they arise, but you don’t want so much insurance that it becomes a challenge to meet the monthly bill for it. Fortunately, the yearly fees for most breakdown policies are moderate when compared to liability or full coverage collision insurance.

Analyzing Your Situation

While breakdown insurance might not be for everyone, if your car is less than 15 months old and has fewer than 15,000 miles on it, then you are a good candidate for breakdown insurance. Although it is wise to watch your mileage to be sure that you are not paying for something that you will not be able to use, as your vehicle ages out of its warranty breakdown insurance can be a nice buffer between you and those big repair bills.

Categories: covering your car