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Most people are overburdened with insurance and after life insurance, health insurance, car insurance and an endless list, breakdown insurance may not be on top of the priority list for many. However, considering the benefits and the peace of mind, you must opt for breakdown insurance and more so, if you are on the road more often than the normal home to office and back commuter. Driving on a long route to a holiday or a weekend getaway or if you just have to drive a long way to work, breakdown insurance would be significantly essential.
Once you decide to have breakdown insurance, you must try and choose the best one. Here are a few things that can help you to select the ideal breakdown insurance for you and your family.
• Depending on your specific requirements, you must look for options such as two for one or a similar breakdown insurance policy. Should you and your spouse both drive cars then you may opt for a package. This may save more money than investing in two separate breakdown insurance policies.
• You must check if there are any bonuses or no claim discounts on following premiums. Some breakdown insurance policies offer no call out discounts and bonuses as well. These perks should never be overlooked while choosing breakdown insurance.
• Response times are very crucial in case of breakdown insurance. If you are travelling with your entire family and your car breaks down in the middle of nowhere, response times can become even more critically important. To know a company or insurer’s record or its response network, you must do adequate research.
• Customer service has to be round the clock and throughout the year without any exception whatsoever. Any company that offers breakdown insurance without these facilities should be rejected straightaway.
• Some companies do not respond to calls from home. You car may breakdown at your home itself and if you are covered by breakdown insurance it does not make any sense to call in a mechanic who would charge you substantially even when you are already covered for such expenses. You should check these aspects prior to even contemplating on short listing a few breakdown insurance plans.
• Finally, the premiums must not be a burden and the coverage should be justified in regards to the money you pay up.
Abiding by the factors stipulated above would ensure that you get the ideal breakdown insurance.