If you don’t spend a lot of your time behind the wheel of your car, you might not think that you need breakdown coverage. But ask yourself, have you ever gone to your vehicle and had it refuse to start? If this has happened even one time, you need At-Home breakdown cover.
What Does At-Home Breakdown Cover
At-Home breakdown coverage takes care of those embarrassing moments when you can’t even get out of your driveway, even if it is your van that won’t start. It can also help with those little things, like locking your keys inside the car with the motor running. Ordinary breakdown policies often have a mileage restriction and do not even apply until you are five or ten miles away from your residence. Often it isn’t even a major repair that is the problem. Here are just a few of the many scenarios that can make having a breakdown policy a handy thing to have:
- Battery charge completely flat
- Flat tire
- Locked keys in car
- Doors on car iced shut
- Petrol gauge on “E”
- Squirrel or other rodent ate wires
- Locked a pet in the car
- Locked baby in the car
- Vehicle overheats within two miles of home
- Vehicle starts, dies, and battery now too run down to try again
Those are just a few of the embarrassing and sometimes even potentially dangerous things that can happen before you even get your vehicle out of the driveway. If your normal driving pattern is to leave your vehicle in the garage or on the driveway most of the week and to drive no farther than your local grocery or department store, then At-Home breakdown insurance is the best policy for you.
The At-Home Policy Difference
Even if you drive your vehicle often, and cover many miles in the course of a week, an At-Home policy can make a huge difference when you are dashing out the door for work or for an appointment, only to discover that your transportation has let you down. Whether you are driving five miles or fifty, it is no fun to be stuck in the driveway especially when minutes count.
Don’t Forget Your Accident Coverage
It is a good idea to recall that breakdown insurance is not accident insurance. You will want your regular insurance policies as well as your breakdown insurance. For example, if a large tree limb falls on your vehicle while it is in your driveway, your breakdown coverage is probably not going to take care of that. Nor will it be effective for those little fender benders that can occur within minutes of your home.
It will help if you run out of petrol on the way to the fueling station, or if you lose a sparkplug halfway down the block. It will help if you need to exchange a flat tire for one that is aired up, only to find that the lug nuts are fastened on so tightly that you cannot get them loose. It can help with rescuing your baby or your pet from the vehicle if you have accidentally locked the car with the child or animal inside.
The best part is that at home breakdown insurance is not very expensive. When you compare it to a latte or movie ticket, breakdown insurance is dirt cheap. Then when you add on the expense of calling an unaffiliated roadside service, it makes the best economic sense in the world.
No one loves to be stuck by the side of the road, even when the roadside is right in front of your own house. At-Home breakdown insurance can make the difference. You know who to call when you need help getting out of the driveway.