Vehicle breakdown cover

There are generally two types of breakdown cover offered in the market. These are:

Personal Cover. This covers the insured person to call on the breakdown service in any car they are driving.

Vehicle Cover. This covers the car, so that anyone driving the car can call out the breakdown service

The Green Insurer offers Vehicle Cover.

What is vehicle breakdown cover?

Vehicle Cover protects a specific car (or van). If the vehicle is insured, it’s covered, whether it’s you, your partner, or even a friend borrowing the car, as long as they are insured to drive the car.

It’s designed to keep things simple: cover the car, and you cover everyone who drives it.

The benefits of vehicle cover

1. 1. Cost-effective

   Vehicle Cover can be cheaper than personal cover because the protection is limited to one car. If you mainly use one vehicle, it can be a budget-friendly way to get peace of mind.

2. 2. Covers multiple drivers automatically

   With Vehicle Cover, you don’t need to list every driver. Provided they’re insured to drive the car, they’re covered if it breaks down. Perfect for families sharing a car, or households where more than one person uses it.

3. 3. Simple and hassle-free

   There’s no need to keep track of who’s covered and in which vehicle. You just insure the car, and the cover applies across the board.

4. 4. Ideal for single car households

   If you only own one car, vehicle cover makes sense, there’s no need to pay extra for the flexibility of personal cover.

5. 5. Ideal for single car households

   Even if you have more than one car, you may find that one of your cars is already covered under a car manufacturer or dealer’s breakdown scheme for some years. So choosing Vehicle Cover means that you’re not paying to double insure. If both cars need cover, you could find that the best option is to take Vehicle Cover out on each car. That way you can tailor the cover level to match how you use that car. For example, if one of the cars is only used as a local run around, why pay for national recovery?

Multiple cover levels

• Roadside breakdown with local recovery

• Roadside breakdown with local recovery and Homestart

• Roadside breakdown with UK national recovery and Homestart

• Roadside breakdown with EU and UK recovery and Homestart

So, you’re not missing out on protection, you’re just choosing the simpler, car-focused version.

When vehicle cover is the best option

• You live in a single-car household

• The car is shared between multiple drivers

• You need different levels of cover for each car

• One of your cars is already covered under a manufacturer or car retailer scheme

• You rarely drive other people’s cars

In these scenarios, personal cover could be more expensive as you’re paying to get cover you don’t need or for cars you don’t drive.