If you are a frequent traveler, then you must be aware of the fact that there are several car breakdown charges which are implemented by different insurance companies for every journey. For example, if you are driving to Melbourne from Sydney and you have to make the drive on the wrong side of the road, then you will have to pay heavy penalty charges.
At the same time, if you were taking the ferry from Brisbane to Melbourne, then it would not be easy to find an affordable car breakdown cover.
Insurance is a great solution. But what is important to know?
You can enjoy your trip with low car breakdown cover charges even if you have to travel alone and have no other passengers with you. For availing of this facility, you need to give a written assurance to the insurer that you will be traveling without any of your family members. In case of any loss or damage to your vehicle during the trip, then the insurance company will take care of the repair cost. But, this is the sole condition for which you need to convince the insurer for availing of the policy.
Also, if you are traveling to places that are famous for severe weather conditions, then you need to confirm this coverage in your application form. This kind of weather may lead to heavy traffic and road accidents. Hence, this coverage is very helpful in such situations. So, make sure you do not miss this opportunity to enjoy maximum benefits.
Apart from this, you need to check out the limits of the coverage offered by the insurance company. Many of them offer coverage for only 12 hours of driving with the car. If you plan to go out of the country for a few days, then it is better to opt for comprehensive coverage. But, bear in mind that this will cost you more.
What determines the amount of insurance?
There are several factors which you need to consider before settling for a particular car breakdown cover. The premium varies depending upon several factors like age, gender, experience, driving record, and even the type of car you are driving.
So, check out all these factors and choose the one that is suitable for you. In addition to this, you can also go for a high deductible or low deductibles. High deductibles mean that you will have to shell out more money before the insurance company pays any amount to the concerned party if your car gets damaged due to a road accident.
Another important point you need to keep in mind is the period for which you need to claim the insurance. Depending on the duration of the coverage, the premium will also be computed accordingly. Try to go for the minimum required coverage as far as possible.
The best way to go about getting a car breakdown cover is online. Many websites can provide you with all the information you need on car breakdowns. All you have to do is fill up a simple form provided by these websites. This will give you quotes from various companies, and you can compare them and choose one that suits your needs and budget.