Personal breakdown policies covers you rather than a named vehicle. We don’t currently compare them, but it’s worth learning more about different types of breakdown cover to see which is right for you.
A personal breakdown policy covers you – as in, whichever vehicle you’re driving – instead of a particular named vehicle.
For example, say you have two family cars and you’re insured to drive both. With personal breakdown cover, you’d be covered no matter which one you’re driving.
We don’t compare personal breakdown cover, but it’s worth knowing about if you drive multiple vehicles.
Depending on your policy, you might be covered for:
A personal vehicle policy will cover you while driving most vehicles, but the exact terms of your cover will depend on your provider – you should check your terms and conditions for any exclusions.
For example, you probably won’t be covered if you decide to take a super car or classic vehicle for a drive.
You’ll also need to check with your provider whether you’re covered while towing a caravan or driving a motorhome.
The last thing you want is to break down and have to pay out foe vehicle recovery because your policy isn't valid.
Vehicle breakdown cover applies to a particular named vehicle, rather than to you.
That means you wouldn’t be covered if you drove any vehicle that’s not named on the policy.
A business or 'fleet' breakdown policy allows you to cover the multiple commercial cars, vans or motorcycles that make up your business’s fleet.