Do I need breakdown cover?

[Deleted User]

Hi,

The time has come for renewing my car insurance and this year it doesn't come with breakdown cover.

As per http://www.moneysavingexpert.com/insurance/roadside-recovery I'd probably go for AutoAid for £37 a year but I'm not sure if I really need it. My car's a 2003 Toyota Yaris 1.0 62k miles. It's been a reliable car so far and I'm unsure when I should start (or expect) to buy breakdown cover.

Any advice?

Thanks

cyclonebri1

It's like any other insurance policy, you either pay the premium or take the risk (attitude to risk)

One option may be not to pay upfront, but to take out membership WHEN or if your car breaks down. I understand several of the breakdown outfits will accept imediate payment/cover;)

[Deleted User]

Yeah agreed.

It's the risk / probability that I'm not sure on...

hewhoisnotintheknow

flat tyre, stuck in a ditch, hitting road debris, flat battery leaving lights on, running out of fuel on the motorway, locking your keys in

All of the above have nothing to do with reliability

Tally-Ho_2

Bear in mind a tow off the motorway can cost in excess of £100 (before any work is even done to a car) and to me its a no brainer, particularly when such as the AA offer even their most basic cover for around £29.00 per year.

Not much to pay for piece of mind.

Tally

passatrider

I broke down on the M1 near Nottingham last january and had no breakdown cover. I had no choice but to join the AA on the side of the road as I was in the middle of nowhere. They charged me £175 for roadside/relay which is quite expensive than normal, but they did transport my car 200 miles down to Wiltshire. The membership lasted a year though so still good value for money I reckon.

So yes my advice is to buy it beforehand as it is much cheaper!

McKneff

On the back page of the Daily Mirror today there is an Ad forthe AA cover
It costs (from) £39 and you get a £20 M & S gift voucher. 12 months basic cover for £19 I am going to snap their hands off.
There is a code for the offer, it is 6882 and their telephone number is
0800 032 0675

Crabman

You can get cashback for joining AA (on top of M&S vouchers). Auto Aid is also worth a look for the price, they have good feedback:

http://www.moneysavingexpert.com/insurance/roadside-recovery

[Deleted User]

Crabman wrote: »

Auto Aid is also worth a look for the price, they have good feedback:

http://www.moneysavingexpert.com/insurance/roadside-recovery

Yeah I think I'll go with AutoAid. I had no issues whatsoever when I was with them with my old car and they offer what the top package with AA or the RAC is for a fraction of the price.

devizes18193

hewhoisnotintheknow wrote: »

flat tyre, stuck in a ditch, hitting road debris, flat battery leaving lights on, running out of fuel on the motorway, locking your keys in

All of the above have nothing to do with reliability

you forgot to mention the comon rta can leave you with no wear to go

cyclonebri1

Deleted_User wrote: »

Yeah agreed.

It's the risk / probability that I'm not sure on...

This is not advice it's my situation. Wife works indirectly for the RAC, and has done for the last 20 years, and as such gets free cover for the whole family at our address. The only time we have made a call on them was about 22 years ago, as I said it's insurance and is calculated to make a profit for the supplier;)

The sting in the tail is that from the 1st Jan 09 the company has been taken over and we no longer have that cover, sods law will no doubt apply from hereon:rolleyes: :rolleyes: