Direct Line Breakdown Insurance

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Direct Line Breakdown Insurance

Direct Line breakdown insurance could get you back on the road quickly and with minimum fuss – wherever you are. You can choose from five different levels of car breakdown insurance to suit your needs and budget. Some of the benefits of Direct Line breakdown insurance, depending on what level of cover you choose, include:

• No call-out charges or special equipment fees
• Works in partnership with Green Flag
• Unlimited call-outs 24/7, 365 days a year
• No-call-out discount
• Home start cover
• European cover
• The average Direct Line response time is just 46 minutes (based on 580,100 recorded call-outs Jan – Dec 2013)
• Misfuelling cover – If you put the wrong fuel in your tank, Direct Line will pay the cost of draining the fuel and give you enough of the right fuel to get you going again (included in Rescue Plus and Recovery levels)
• Cover no matter who is driving the designated vehicle
• Personal cover options

Breakdown insurance considerations

If you are thinking about taking out breakdown cover, you will find that are a range of options with many providers so you may first want to consider what type of cover you want and how comprehensive you want your cover to be.

Personal or vehicle cover

A personal breakdown cover policy an individual (or a selection of individuals such as a household of up to 4 with some plans) will be covered if any car they are driving, or with some plans are a passenger in, sustains a breakdown. There is normally a limit on the age of the age and type of vehicle that this policy will provide cover for. Vehicle cover allows you to insure a nominated vehicle no matter who drives it.

Levels of cover

• Roadside: A roadside cover policy with many providers mean if your car breaksdown your provider will dispatch a mechanic to try to fix the vehicle, if it cannot be readily repaired at the roadside you will be towed to a nearby garage or possibly your home. Some policies might be able to take you to your original intended destination or this might be offered only as part of a more comprehensive cover type.

• Home start: if you break down within a set proximity of your home (usually within a 1 mile radius) or your car simply does not start as you are leaving your home, a roadside cover policy may not provide you with cover, as a result you would need a home assistance policy, which will in most cases include roadside assistance.

• Onward travel: Onward travel policies are designed to prevent vehicle failure hindering the travel of customers. Different insurers include different features on their onward travel polices however they may be able to offer you with a hire car, or alternative transport costs, some policies may also offer to provide you with accommodation while your vehicle is repaired.

• European Cover: If you breakdown on the continent a UK breakdown cover policy may not automatically cover you, having European cover will be able to provide you with assistance from English speaking representatives. This product may be offered as a temporary standalone product or as an permanent add-on of your policy.