What are the different types of European motor breakdown cover?
There are many different levels of European motor breakdown cover offering different benefits and exclusions which reflect the price that you pay, but ultimately there are two different types of European motor breakdown cover that you can buy – personal breakdown cover and vehicle breakdown cover.
What is the difference in these types of European motor breakdown cover?
Personal breakdown cover means that the driver is insured by the car breakdown cover company, and that no matter what car they drive they will be covered to call their company for assistance. This means that you could own more than one vehicle and only need one breakdown cover policy.
With vehicle specific breakdown cover, you have to register the details of the vehicle when you purchase breakdown cover, and you would only be covered on that vehicle for assistance. This works in the same way as car insurance, and you would need a seperate breakdown cover policy for each vehicle that you had.
Which type of European motor breakdown cover is best?
In practice, if you had personal car breakdown cover but someone else was driving your car, they may not be covered for assistance, whereas with vehicle car breakdown cover any driver would be covered for assistance with the vehicle registered on the car breakdown cover policy. It’s also more likely that someone else will be driving a vehicle than for one person to own muliple vehicles without someone else driving them.
Personal car breakdown cover also tends to be more expensive – companies calculate car breakdown cover premiums based on risk, and with personal cover having different vehicles to cover, the risk can be more difficult to calculate, resulting in a higher premium. With vehicle specific car breakdown cover, the risk can be calculated easily based on the type of vehicle and its age, resulting in a reduced premium.
As people tend to drive just one vehicle when travelling to Europe, only one car often needs European motor breakdown cover. Also, for the long journey people may swap driving to make the journey easier, so for European motor breakdown cover it is often best that the vehicle is covered for any driver, making vehicle specific car breakdown cover the most practical option overall.
Where should I go for my European motor breakdown cover?
For all of these reasons, on balance vehicle specific car breakdown cover will be the best option for most people. It also makes sense to go to a car breakdown cover provider that specialises in vehicle specific breakdown cover. For peace of mind, we recommend First Call for your European motor breakdown cover. Founded in 2002, First Call offers the best breakdown cover for the price. Cheap breakdown cover from First Call is offered at fixed prices for any age vehicle. They also offer European breakdown cover for drivers who travel abroad. Join today!