There are various types of auto cover and one of these is breakdown cover. If you own a car or drive a company car, then you definitely require insurance. While mandatory insurance is Third Party policy, you can choose to have more than just this policy because it is the bare minimum. If you only have bare minimum insurance, it means your cover will only take care of any other car you damage in an accident or resulting injuries.
With breakdown cover, you get a little more. For instance, if you are driving down the street or along the highway and for some reason your car breaks down, the insurance company will send out a mechanic to fix your car at no extra charge. If the car can be fixed immediately, then the mechanic will do so but if serious or further repairs are needed, then the car will be towed to the nearest garage. This can be convenient if the car needs major repairs. Therefore, ensure that you acquire breakdown cover on top of your regular and acquire the benefits that come with it. While the additional cost in terms of monthly premiums is minimal, the benefits will be absolutely great.
Apart from the breakdown cover, there are other types of auto insurance add-on covers that you can opt for. For instance, you can have fire cover for your car or theft cover, incase the car is stolen. Motorists need to choose the cover that best suits their situation. For instance, a company car can sign up for comprehensive insurance cover. A transport company may sign up for breakdown cover to prevent any roadside incidents from affecting their business adversely. It is advisable to get additional insurance on top of regular auto cover in order to be prepared for all sorts of roadside accidents and incidents.
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