Some car insurance companies include roadside assistance, otherwise known as breakdown cover in their comprehensive insurance cover plans that could get you out of a difficult situation while you are on the road. If your plan does not include roadside assistance cover, it might be a good idea to add this onto your policy, especially if you usually travel alone.

What does roadside assistance cover?

Roadside assistance usually covers car issues you may have with your vehicle while travelling if you are unable to reach a mechanic or garage. When you request roadside assistance, a qualified mechanic will travel to where you are and assist you with your car problems, 24 hours of the day.

Depending on your level of coverage, you will be able to receive assistance on all matters from on-site vehicle repair to towing of your vehicle and even assisting you to access your vehicle if you lock your keys in the car. If have run out of fuel on the side of the road, someone will be able to assist you and get you back on the road. Higher level roadside assistance may include a professional driver service or transportation of your vehicle. The level of roadside assistance you receive depends on your chosen plan and these levels of assistance are also based on a difference in premiums.

Who would benefit from roadside assistance?

All drivers would benefit from roadside assistance to help them in a situation when they have car troubles. Being stranded on the side of the road with a vehicle which is not operational or safe to drive can be a dangerous and stressful situation to find yourself in. Individuals who would particularly benefit from this add on include women, the elderly and new drivers who are perhaps less experienced with changing tires or fixing minor car issues. It can be expensive hailing a mechanic to repair your vehicle when you are far from home or after hours, having roadside assistance covers the cost of the mechanic, travel and labor, which could save you money later on.

How can I get roadside assistance cover?

When shopping around for a car insurance plan, it is recommended that you compare options, looking at their level of coverage and the optional extras your plan has to offer. If you are specifically looking for roadside assistance, make sure that the plan you are interested in has this type of cover before signing up.