Road assistance and break down coverage are great services that help cyclists, or drivers, whose cars have suffered a minor mechanical malfunction that renders the driver stranded on the road. Coverage can also be helpful if you have an expensive piece of road equipment that’s left unattended. The good news is that Road Assistance and Breakdown Coverage are usually optional with new auto insurance policies, so you won’t have to worry about choosing them. But you may be surprised by how often these services are actually required. In fact, your new car insurance policy probably won’t cover the costs of Road Assistance or Breakdown coverage, because those types of services are usually elective items.
With that in mind, Road Assistance and Breakdown coverage can provide the peace of mind that comes with knowing you have some extra help available should something go wrong while you’re out on the road. It can also save you time when it comes to getting to the nearest gas station or restocking your fuel. So, what exactly is Road Assistance?
Road assistance service differs from roadside assistance only in its primary function. Road assistance is designed to be an additional service to the basic Road Maintenance policy of your vehicle. This means that you’ll need to purchase Road Maintenance plus Road Assistance coverage, not the other way around. (For example, you wouldn’t buy Road Service plus Insurance coverage if you didn’t already need it.) Road assistance coverage offered by most insurers goes beyond basic maintenance to include emergency roadside assistance and comprehensive coverage.
Road assistance is usually elective or per-ride, but Road Assistance Plus insurance provides the most comprehensive coverage available for minimum premiums. You’ll find Road Assistance coverage offered at all major insurers and many at several others. The type of Road Assistance offered depends on your insurance coverage and the extent of your driving record. For example, if you’ve had multiple collisions and not been at fault in any, you can still receive breakdown coverage that may be higher than a comparable standalone policy.
Most insurers will offer you Road Assistance services in England, Scotland and Wales at no extra charge for up to 12 hours after the breakdown or third party service is offered. In many cases you can get the Road Assistance service free of charge as a bonus for purchasing a new policy with them. Road Breakdown cover is a separate insurance product and must be purchased within the same scheme.
Road Assistance can save you money in the form of having an emergency roadside assistance policy, but you need to make sure you’re covered for the cost of any assistance required after the car has been towed. You may also have to pay for breakdown cover separately, so you need to decide how much of your overall premium you want to pay for this additional Road Assistance cover. And remember, Road Assistancy policies don’t always cover the roadside service for free. You will, however, usually have your roadside assistance expenses paid for within a day of the accident, which could save you hundreds of pounds if you should have to use this service.