The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Car Insurance Add-Ons - Breakdown Recovery
Under a basic comprehensive policy, your insurer will pay for recovery to the nearest competent repairer. You can add to that and have full motoring assistance on your policy. If you have separate membership of a motoring club for breakdowns, consider this as worth looking at.
"My car got hit by a submarine." (The Navy informed the wife of a submariner that the craft was due in port. She drove to the base to meet her husband and parked at the end of the slip where the sub was to berth. An inexperienced ensign was conning the sub and it rammed the end of the slip, breaking a section away, causing her car to fall into the water. The Navy paid the compensation claim. (Thanks Jay Kuivinen)
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
The cover provided might be adequate and cheaper than that which you can buy separately. But read through the 'small print' so make sure you have enough cover for your needs. You will not receive a membership card or a membership number.
I strongly recommend calling the emergency breakdown number a couple of weeks after going on cover to make sure they have your details. Whilst these are sometimes passed on by electronic means, I also know that they are sometimes sent on tapes and diskettes in the post. Errors in computer data have arisen and caused difficulty at the time of a breakdown or accident. The last thing you want. So check it out first!
