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What is Breakdown Cover Insurance
Breakdown cover is a form of insurance policy that provides assistance to motorists whose vehicles have suffered a mechanical failure that is significant enough to leave them stranded at their present location. It is traditionally provided by a country's national automobile association, but may also be made available as part of the service of a vehicle insurance company.
Breakdown Cover is an essential addition to your car. With more of us travelling further and further, being sure that you're covered in the event of needing roadside recovery is essential.
History
When communication technology and availability made it practical, a network of emergency phone boxes, placed at intervals by the roadside, was introduced. In recent years, the widespread ownership of mobile phones has, to a large degree, supplanted the need for an emergency phone network. With many more vehicles on the road, breakdown cover is now offered by a greater number of companies, particularly car insurers.
Services
Breakdown cover may include jump starting an automobile, towing a vehicle, helping to change a flat tire, providing a small amount of fuel when a vehicle runs out of it, pulling out a vehicle that is stuck in snow or helping people who are locked out of their cars.
As cars become more like computers it is perhaps not surprising that fewer of us than ever before dive under the bonnet whenever we experience a vehicle breakdown. With high-tech devices now controlling much of a modern car's engine performance, and a laptop instead of a set of ramps and a torch being the diagnostic tool of choice, it seems a safer and quicker bet these days to call for breakdown assistance rather than to try and fathom out the problem ourselves.
Just another reason then to take out breakdown cover, as is satellite navigation and CD changers! These seemingly innocuous systems designed to improve our driving experience are increasingly the root cause of flat batteries -- the second most common reason for calling for breakdown assistance.
Also on the rise are call outs for cars that won't start because the immobiliser has been activated, either by accident or through driver error, and call outs to drivers who've locked themselves out of their cars. |
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 Top Providers |
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ICICI Prudential Life |
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SBI Life Insurance |
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Life Insurance Corp. |
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Bajaj Allianz Insurance |
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United India Insurance |
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