What is Personal Breakdown Cover?
Where vehicle breakdown cover simply protects a specified car which you or anyone could be driving, personal breakdown cover protects you, the driver, so no matter what car you are travelling in as a driving or are even a passenger (as long as the vehicle meets the policy requirements), you’ll have breakdown cover at the touch of a button.
What Are the Benefits of Personal Breakdown Cover?
Personal breakdown cover offers you a few added benefits that vehicle breakdown cover simply can’t, we’ve outlined some of them below:
You can turn your personal cover into a joint policy by adding up to a total of four family members who live at the same address as you. This means that you can cover your entire family on any vehicle they drive. So if you’re sharing the driving on a long journey or setting your kids up with their very first car, the people you care about most will have breakdown cover for when they need it.
One of the most beneficial aspects of personal breakdown is the cover you’re afforded even if you’re a passenger in another car. This gives you the flexibility and peace-of-mind when in someone else's car, that you can be assisted should you need it.
Cover for Any Car or Motorbike up to 15 Years Old
To try and give you as much flexibility as possible, you’ll be covered in any car or motorbike as long as it’s 15 years old or younger. So dust off your ageing, forgotten sports car in the garage, and take it for a spin, safe in the knowledge that if something were to go wrong, you’ll be covered.
This policy benefit is most helpful for people who own more than one vehicle, as it’s so much easier to just have one breakdown policy that covers yourself, rather than several for each vehicle. So if you own multiple cars or motorbikes then personal breakdown cover is most likely right for you.
European Personal Breakdown Cover
For the international traveller out there, you can even purchase European personal breakdown cover, giving you the most amount of flexibility and cover options we offer.
We’ve outlined the countries and regions you’ll be covered in below:
Albania, Andorra, Austria, Balearics, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Isles, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, the United Kingdom and Vatican City.
Vehicle vs Personal Breakdown Cover
We're often asked which cover is right for our customers, and the truth is it’s all about tailoring your policy to your personal needs. If you only ever drive one car, then vehicle cover is most likely best for you.
However, if you drive more than one vehicle then personal breakdown cover may be better suited to you, provided it meets the age and type restrictions.
Whilst personal breakdown cover can be more expensive than vehicle, it gives you more flexibility, plus you’ll never need to update your vehicle registration details with us, a chore easily forgotten!