If you own a car, then you should consider getting additional insurance rather than just the basic Third Party cover. Additional cover such as breakdown cover can come in quite handy, regardless of your lifestyle. If you use your car for business, then you cannot afford to have it breakdown because this may affect your business and clients may not be happy. This might cost you. However, with additional cover such as breakdown insurance, you are guaranteed some roadside assistance should your car breakdown. The car may get towed to a garage for further repairs if need be and you will also get a rental or alternative car to use in the meantime.
Apart from this additional cover, you may also choose other additional cover such as a comprehensive cover. Comprehensive cover involves plenty of additional cover. Some insurance companies may allow you to choose the added cover you want for your comprehensive insurance. For instance, would you like cover against fire? You can get that as well. How about roadside assistance? Will you need towing services as well? These can all be added to your comprehensive insurance package. The trick is to ensure you know what your circumstances are.
Remember, when you seek insurance, the cost of the premiums will depend on how good a driver you are and what your previous experiences were like. Therefore, before paying for breakdown cover or other additional insurance, let them know about your driving history, especially if it is accident and incident free. They will likely charge you lower premiums. If you have been with the same insurance company for a while, let them know about this. Insurance company love loyal customers and they will likely ensure you get good rates. Above, insurance gives you peace of mind as you drive you car down the streets. Therefore, get a good cover and bargain for good rates.