When it comes to breakdown cover, one of the key decisions you’ll need to make is whether to go for personal or vehicle cover. Each type of policy offers its own unique advantages and is suited to different lifestyles and driving habits. Understanding the differences between them can help you choose the option that best meets your needs, ensuring you’re fully covered in case of an unexpected issue on the road.
In this guide, we’ll break down the pros and cons of personal vs. vehicle breakdown cover, compare their costs and convenience, and help you find the best option for your needs.
What is personal breakdown cover?
Personal breakdown cover ensures you’re protected as an individual, regardless of the car you’re driving. Unlike vehicle-specific cover, this policy covers you, not the car. Here’s a look at the pros and cons:
Pros of Personal Breakdown Cover
- Flexibility: You’re covered no matter whose car you’re driving, whether it’s yours, a rental, or a friend’s vehicle.
- Cover as a passenger: You’re covered as a passenger if the car you’re traveling in doesn’t have its own breakdown policy.
- Convenient for multi-car users: Ideal if you frequently drive or share multiple cars, eliminating the need for multiple policies.
- Peace of mind: You don’t have to worry about whether the vehicle you’re driving is covered by insurance.
Cons of Personal Breakdown Cover
- Higher cost: Personal cover is typically more expensive than vehicle-specific policies. A policy with us starts from £29.77 a year
- Not ideal for single-vehicle owners: If you only drive your own car, personal cover might not be cost-effective.
What is Vehicle Breakdown Cover?
Vehicle breakdown cover is designed to protect a specific car, no matter who’s driving it. Here’s a closer look at the pros and cons of vehicle breakdown cover:
Pros of Vehicle Breakdown Cover
- Lower cost: Vehicle breakdown policies are usually cheaper since they focus on just the one car. Our policies start from £13.87 a year.
- Comprehensive for that vehicle: Cover applies to anyone driving that car, so it’s useful for families or car-sharing situations.
Cons of Vehicle Breakdown Cover
- Limited to one car: If you drive multiple vehicles, you will need separate policies for each one.
- No flexibility: It won’t protect you in a breakdown if you’re driving a different car.
Should I get personal or vehicle breakdown cover?
Deciding between the two options comes down to your driving habits:
- Personal breakdown cover is ideal if you frequently drive multiple vehicles or want the added flexibility of being protected as a passenger.
- Vehicle breakdown cover is a better choice if you mainly drive one specific car and prefer a simpler, more cost-effective solution.
Types of breakdown insurance policies
Once you’ve decided whether it’s a personal breakdown, or vehicle breakdown policy you’re looking for it’s time to pick the type of policy for your needs. There are several levels of breakdown cover, each catering to different needs.
Here’s a quick overview of the policies we offer:
Roadside Assistance
Covers basic breakdown services, typically repairing the car at the roadside or towing it to a local garage if the issue can’t be resolved kerbside. This is usually a local level of cover, helping within a specified distance from your home.
National Recovery
Nationwide cover, towing you, your car, and your passengers to any destination of your choice in the UK if the problem can’t be fixed at the roadside.
Home Start
Cover if your car won’t start at home or within a short distance from your address, saving you a frustrating start to your day.
European Breakdown Cover
Ideal for anyone driving abroad, this type of policy ensures you’re protected if your vehicle breaks down while traveling in Europe. Some policies even include emergency overnight accommodation, providing peace of mind when you need it most.
Choosing breakdown cover for you
Choosing the right breakdown cover depends on your driving habits, the number of vehicles you use, and your budget.
We know every driver has unique needs, which is why we provide a variety of breakdown cover options to ensure you’re never left stranded on the road. Get a quote today and discover the plan that’s right for you.
FAQs
Does Personal Breakdown Cover apply to any car?
Yes, personal breakdown cover protects you in any car, whether you’re the driver or a passenger. This means you can confidently get behind the wheel of a borrowed or rented vehicle, knowing you’ll still receive assistance if something goes wrong.
It’s also a great backup plan if you’re travelling with someone whose car isn’t covered under their own breakdown policy.
Is personal or vehicle breakdown cover cheaper?
Personal breakdown cover is often more expensive because it covers you as an individual, regardless of the vehicle you’re driving. Vehicle breakdown cover, on the other hand, is usually cheaper as it only applies to a specific car, no matter who is driving it.
Are personal contract hire cars covered by breakdown cover?
They can be! In fact, breakdown cover might already be included in your package. It’s worth checking with your provider to avoid paying for something you might already have.
Does personal breakdown cover have a vehicle age limit?
Yes, personal breakdown cover can have an age limit for vehicles, but it really depends on the provider. Some will cover cars of any age, while others might have restrictions, usually around 10-15 years. It’s always a good idea to check the policy details to be sure!
If you don’t yet have breakdown cover, our home and national cover starts at under £20 per year
Get Free Key Cover included with your Breakdown Policy!
Giving you peace of mind if your car keys are lost, stolen, or accidentally locked inside your vehicle. We’ll arrange for a locksmith,
cover the cost of replacement keys, or provide transport to get you back on the road—so you’re never left stranded!