Comparing van breakdown cover
Where would we be without the good old van? It’s the heart of hundreds of thousands of small businesses across the UK and Europe, from tradespeople to florists, dog walkers to delivery drivers.
Why choose van breakdown cover?
With so many people relying on their vans, the idea of it breaking down can be a pretty scary thought. Breaking down on the way to a job could mean missing out on important work and could mean that you fall behind on other jobs. Your van being off the road for a while could even cause you serious money problems.
That’s why thousands of van owners choose to buy vehicle breakdown cover.
Even if your van is for personal use you can still compare quotes online for van breakdown cover, to help you get back on the road or take you home if something goes wrong.
There are quite a few things to consider when buying van breakdown cover, so read on to find out more.
What are the options?
The first thing to think about is how far you will be travelling in your van. If you only work locally and rarely leave the region, you can select ‘local coverage’. You’ll need to check the details of the policy to understand how far from home you can be before you are no longer in range for the cover.
If you regularly drive further afield, ‘national coverage' will probably suit you better, to give you that peace of mind – no one wants to break down hours from home with no way of getting back.
Another thing to consider is whether you would need Home Start. If you have this included in your policy, you can call your breakdown provider out if the van is on your premises and won’t start. If you have other vans you could use, (or if you know a mechanic) you might not need to choose this level.
Perhaps your work takes you out of the country, or you use your van to go on holiday outside the UK. If so, you can opt for European breakdown cover, which offers you the same service in most countries on the continent.
Home cover and onward journey cover
The next thing to think about is how much cover you need. The basic level will just give you roadside assistance. That means, if you were to break down on a road in an area that’s within your cover, you can call your Breakdown provider and a mechanic will come out to your van. They will do what they can to fix the problem and hopefully get you back on the road. If they can’t fix it they will tow your van to the nearest garage (within the agreed distance of your cover). If you’ve broken down because of an accident, though, you’ll be covered under your car insurance policy and would need to call your provider.
That’s enough for some people, but you might also want reassurance that you can get home, and your vehicle is taken to a garage near where you live. In that case you would need make sure your cover includes onward journey cover. Here, if the mechanic can’t get your van back on the road, they will take you and your van back to where you live (or on to your next job if you prefer). They would either leave your van at your house or take it to a local garage.
If your van really is vital to your livelihood, you might choose a further level of coverage which would mean you can claim back costs – say if you need to stay in a hotel for the night while your van is being fixed, or to hire a van while your own is repaired.
Personal and vehicle cover
Another choice is whether you want ‘personal’ or ‘vehicle’ cover. If you choose personal cover, you can call for breakdown assistance for any vehicle that you’re driving, and sometimes travelling in as a passenger. This can be useful if you regularly drive different vans or other vehicles at work or in your personal life.
Alternatively you can link the cover to your van – which is useful if different people in your company might be driving it. This kind of cover can be cheaper than ‘personal’ because the breakdown provider can find out more about the vehicle – how old it is, how many miles it has done and so how likely it is to break down.
Of course, the different levels of cover come with different costs, so it’s worth comparing to really understand your options for cheap breakdown cover.
Comparing breakdown deals
That’s why we’re here to help. We can help you look at the different kinds of breakdown cover deals available to you.
We’ll list the options out in a table for you with the cheapest breakdown cover at the top, and an at-a-glance guide to the main things each one of the breakdown cover quotes offers you.
When you’ve chosen the best breakdown cover for you, just click on the button and it will take you to the provider’s website to do the rest.
Policy limitations and exclusions apply so make sure you read all the details before you buy though. Check whether vehicles over a certain height and weight are covered, or if there are age restrictions.
We’ve talked here a lot about how to work out which breakdown cover is best for you, and how to compare UK breakdown cover for vans. Just remember, when your van insurance is up for renewal of you need to compare van breakdown cover, comparethemarket.com can show you your options. So make sure you come to us for all your van insurance quotes.