How Much is Breakdown Cover?

Experiencing a vehicle breakdown can be both stressful and inconvenient. Having reliable breakdown cover ensures that you’re not left stranded and provides peace of mind on the road. Breakdown cover prices can differ depending on several factors, but you shouldn’t have to pay through the nose to protect your vehicle.

In this guide, we’ll explore the average cost of breakdown cover, as well as the factors that can affect this cost and any extra fees involved. We will also discuss whether breakdown cover is worth the cost, and how our breakdown policies at ALA can help.

How Much is Breakdown Cover on Average?

The cost of breakdown cover varies depending on the provider, level of coverage, and any additional services included. On average, basic breakdown cover in the UK can start from as little as £20 per year, while more comprehensive policies can cost upwards of £100 annually.

When selecting a breakdown policy, it is important to consider the different levels of cover available. A basic roadside assistance policy may be the most affordable option, but it might only provide help if your vehicle breaks down a certain distance away from your home. More comprehensive policies can include home start, national recovery, and even European breakdown cover, which will naturally increase the cost.

At ALA, our breakdown cover is available in four different levels: roadside, roadside and recovery, total UK and total UK and Europe. Prices are competitive, and you can obtain a personalised quote by visiting our breakdown cover page or using our breakdown cover quote calculator. With ALA, you can choose from a variety of cover levels to suit your specific needs, ensuring you receive quality assistance at a fair price.

What Can Affect the Cost of Breakdown Cover?

Age of Vehicle

Older vehicles may be more prone to mechanical issues, which can increase the cost of breakdown cover. Providers might charge higher premiums to account for the increased risk of breakdowns in aging cars.

Mileage

The more miles you drive, the higher the likelihood of experiencing a breakdown. High annual mileage can lead to increased premiums, as it indicates more wear and tear on the vehicle.

Coverage Level

Breakdown cover comes in various levels, from basic roadside assistance to comprehensive policies that include home start, onward travel, and European cover. The more extensive the coverage, the higher the cost. We offer multiple levels of breakdown cover, allowing you to choose the one that best suits your needs and budget.

Added Extras

Additional services such as excess cover and keycare can enhance your policy but may also increase the premium. For instance, we offer keycare insurance, which covers the cost of replacing lost or stolen keys and can be added to your breakdown policy for extra peace of mind.

Payment Method

How you choose to pay for your policy can affect the overall cost. Paying monthly can be more manageable but often results in a higher total cost due to interest or administrative fees. Paying annually in full is usually more cost-effective. We provide flexible payment options, allowing you to choose the method that suits your budget.

Will I Have to Pay Anything Extra Towards My Breakdown Cover?

While breakdown cover policies are designed to cover most emergency situations, there may be additional costs in certain circumstances, such as:

• Parts and Repairs: While labour at the roadside is typically included, the cost of any replacement parts will usually be your responsibility.
• Specialist Equipment: If specialist equipment is required to recover your vehicle, there may be additional charges, especially if you don’t opt for a roadside and recovery policy.
• Excess: Some policies include an excess amount that you’ll need to pay when making a claim. It’s important to check your policy details to understand any potential extra costs. At ALA, you can add excess cover to your policy.

Is Breakdown Cover Worth the Cost?

Investing in breakdown cover can save you time, money, and stress in the event of an unexpected vehicle failure. Without cover, the cost of roadside assistance and recovery can be significant. Additionally, having breakdown cover provides:

• Peace of Mind: Knowing that help is just a phone call away allows you to drive with confidence.
• Convenience: Access to professional assistance 24/7 ensures you’re not left stranded, regardless of when or where you break down.
• Financial Protection: Avoid unexpected expenses associated with towing and emergency repairs.

Considering these benefits, many drivers find breakdown cover to be a worthwhile investment. You can find out more about the benefits of breakdown cover here.

Our Breakdown Policies at ALA

At ALA Insurance, we understand the importance of reliable and comprehensive breakdown cover. That’s why we offer flexible options to suit your individual needs:

• Multiple Levels of Cover: Choose from different levels of breakdown cover, ranging from basic roadside assistance to total UK and European cover.
• Optional Add-Ons: Enhance your policy with additional services such as Keycare and Car Excess Insurance.
• Competitive Pricing: Our policies are designed to provide excellent value for money, ensuring you receive comprehensive cover without breaking the bank.

To find out more about our breakdown cover options and to get a personalised quote, visit our breakdown cover page or use our quote calculator.