Roadside.co.uk aims to be the number one place to compare roadside assistance – the cheapest form of breakdown cover. There are now more providers of roadside assistance than ever before, all of whom will offer you similar kinds of deals making it difficult for you to decide which one is the best to go for.
Like anything, you normally have to take the time to read through policy features thoroughly just to find out small yet important details, due to there being minor differences between one policy and another.
However, with our easy tables, we highlight what we consider to be the three main points to help you speed your decision up and narrow down your choices quicker than ever before. At a quick glance you'll be able to compare what the average waiting time, percentage of breakdowns fixed at the roadside and cost is for providers such as the RAC.
You need to be decisive in your own mind about what company and policy features are best for your individual situation and which one is of the most financially viable. Something you should decide is whether you want to cover yourself personally or just your car. Often it is possible for providers to cover a person using any car, no matter which car they are in and some will only cover just the vehicle. Covering the vehicle itself is probably the best idea if you have a family who regularly travel in the car as opposed to family policies that provide cover for every individual member of the family.
Other things to think about include the degree of cover that you will receive. The most common and basic packages, which is what the website showcases, offer roadside repairs and local recovery (which can mean taking your car to the nearest garage to be fixed). This kind of cover is very helpful to many people and for that reason is popular.
Individual vs Vehicle
When browsing through insurance providers, it is also useful to note that some breakdown recovery companies will offer predetermined vehicle based premiums which will cover anyone using the vehicle, whilst others such as GEM Motoring Assist cover people individually regardless of the vehicle. In basic terms, you will generally be able to benefit from a cheaper policy price if you only use one vehicle, due to you being seen as a lower risk of needing to call the provider in the event of a breakdown. There are of course exceptions to this rule, when an individual based cover may actually work out cheaper, such as if your vehicle is fairly old.
In modern times, more and more providers offer an automatic system where they will send their patrols to deal with roadside breakdowns. This type of service is the most convenient and reliable that you can have but it does come at a cost. There are however some companies who offer a pay and claim service whereby they ask a local recovery firm to deal with the situation, you pay for the repairs needed for your car and then claim back the expenses from your provider. The system isn’t as well used and probably isn’t the most convenient but it is an alternative if you want a lower premium.
If you are planning travelling to another country it is well worth knowing that expenses incurred through breakdowns abroad are rarely covered by car insurance, travel insurance or some breakdown cover providers so can be extremely costly if you don’t read the small print. Even things like repatriation costs for your vehicle can amount to thousands of pounds if you have no protection to cover it. Some providers offer European breakdown cover as a stand-alone service though, which can be well worth having.
Again, it is vital to read all the policy through and work out which provider will best suit your needs and will offer you the best cover and deal. Membership usually incorporates full roadside and recovery assistance via English speaking staff. This is a major bonus as a lot of time can be taken in trying to break down language barriers.