If your vehicle breaks down, motor breakdown insurance will usually provide emergency roadside assistance, which includes:
- Towing your vehicle to a nearby garage
- Providing you with a replacement vehicle
- Paying for your accommodation if you're stranded overnight
2. Cover for mechanical and electrical repairs
Motor breakdown insurance will also usually cover the cost of mechanical and electrical repairs to your vehicle. This includes:
- Engine problems
- Transmission problems
- Electrical problems
- Cooling system problems
- Fuel system problems
3. Cover for additional expenses
In addition to the above, motor breakdown insurance may also provide cover for additional expenses, such as:
- The cost of recovering your vehicle if it's stolen or lost
- The cost of replacing your keys if they're lost or stolen
- The cost of hiring a vehicle if your own vehicle is being repaired
4. European breakdown cover
Some motor breakdown insurance policies will also include European breakdown cover, which means you're protected if your vehicle breaks down in Europe.
5. Optional extras
You may also be able to add optional extras to your motor breakdown insurance policy, such as:
- Cover for punctures and tyre blowouts
- Cover for windscreen chips and cracks
- Cover for personal injury
6. Exclusions
There are some exclusions to motor breakdown insurance, so it's important to read the policy details carefully before you buy a policy. Some common exclusions include:
- Damage caused by wear and tear
- Damage caused by an accident that's your fault
- Damage caused by driving under the influence of alcohol or drugs
- Damage caused by overloading your vehicle
