Many breakdown insurance companies limit the age and mileage for covered vehicles. If you have a favorite car that is completely paid for you might want to have some sort of breakdown coverage. While major repair cover is not usually an option, many companies will still allow roadside assistance.
Personal or Vehicle
When you take out a breakdown cover for your older vehicle, you might want to consider whether you want to cover your vehicle, or if you want the cover to be on yourself.
The difference is simple. If the coverage is for the vehicle, then only that vehicle will be assisted using your policy. However, if you have roadside assistance for yourself, then any vehicle you drive will be eligible for help.
Realities of Roadside Assistance for Older Cars
Since your older car is not covered by a warranty or service agreement, you are likely to have some added expense when your qualified mechanic with the van full of parts and tools shows up at the scene. If you need a new tire, a gallon of gas or a part that can be added right away, the cost of the mechanic being on the scene might be covered but you might need to have some funds for parts.
The other problem with older cars is that sometimes it is difficult to find parts for them. Roadside assistance for your classic might consist of pulling it up on a flatbed vehicle transport and taking it to your favored shop.
Is It Worth It to Get Roadside Assistance for Older Cars?
Unless you are a brawny young person who has no trouble changing a tire, that is an unqualified yes. If you know very little about what goes on under the bonnet, again, yes. Your roadside assistance mechanic is a qualified professional who can quickly discover if your vehicles problem can be solved by doing something simple like adding a coolant mix or putting in a quart or two of oil. He or she will have the number for your insurance company’s dedicated towing vehicle and a safe destination for your car or truck.
Traveling in Other Countries
Travel on coverage, even for your older vehicle, can help save your vacation or business trip. You might have options for a hotel or motel room or to obtain an alternative vehicle while your car is being repaired. At the very least, your breakdown cover for your older car will put you in touch with someone who speaks your language and who will be able to negotiate with repair personnel. Your agent is a friendly voice on the phone who can talk you through what is needed to get you and your vehicle to a safer location than the side of the road.
Breakdown Cover for Classic Cars
If you have invested in restoring a classic car to its former beauty, you want every kind of insurance possible for your special baby. If you drive it to car shows in different countries, Travel On breakdown insurance is almost essential. Even if you only drive it around your home town, At-home coverage will take care of those oops moments such as when you forgot that the dome light has to be turned off manually or you locked your keys inside the vehicle.
Rainy Days and Other Considerations
Your ability to change a flat tire or add motor oil are not the only considerations for having breakdown insurance. Inclement weather can mean that it is just simply safer to have an experienced professional mechanic come to you than it is to brave the elements and other hazards on your own. If you are a single person traveling alone, staying inside your vehicle and calling for help can be the wiser choice for coping with unexpected vehicle events.