You can choose the cover based on the services you need and your budget. Apart from basic protection, you can also consider other service packages. These include provision of alternate means of transport to return home or successfully complete your foreign trip or a replacement vehicle driver in the event that you fall sick. For big travel groups on a trip aboard, group breakdown cover is also offered. Depending on your needs, you can opt for a comprehensive car breakdown cover or a basic cover.

Even as you plan your trip itinerary and details, arrange for car breakdown cover in advance. Research the top providers offering this service, compare prices and terms, and purchase the car breakdown cover that best meets your travel requirements. Make sure you read the company’s car breakdown policy thoroughly to have a clear picture about the level of assistance you can expect in emergency situations. Note the excess charges you may have to make for every claim made and the exclusions mentioned in the cover agreement.

If you travel frequently to foreign countries, then it is advisable to buy a comprehensive international breakdown cover which not only provides for regular services like on road assistance, minor repairs, lockout assistance, towing the car, but also services like legal assistance, arranging for an emergency driver or even for an ambulance. Ensure that you get the most comprehensive international breakdown cover at the lowest possible rates. Carefully see under what all circumstances you will not be covered so that you can determine the extent up to which you will be personally liable.

International breakdown cover is helpful in making travelling abroad simpler and relatively tension free due to the following reasons:
1.    It provides a sense of security while driving overseas as you will not have to worry about dealing with a breakdown situation while you are in a foreign country.
2.    It provides on road assistance and undertakes minor repairs. If the vehicle cannot be repaired, it is towed to the nearest workshop.
3.    While travelling long distances, people usually hire a driver. If due to any circumstances, your driver becomes incapable of driving, then an emergency driver will be provided.
4.    If you meet with an accident in a foreign country, then you can seek assistance by contacting the insurance company.

Keep in mind the following points while buying international breakdown insurance:
1.    Make of the car is a deciding factor in deciding the premium amount. A hatchback will have lower premium rate compared to SUV’s.
2.    Determine the driver among your group who can get the cheapest cover based on various criteria’s like age, sex and experience.
3.    Compare policies offered by various service providers to choose the one that suits your requirements the most and is cost efficient.
4.    Buying international breakdown cover online is a good idea as it not only offers insurance cover at great prices, but also provides tips to ensure safety while travelling abroad.

Your car is one of your most valuable possessions. We spend so much money on buying the car of our choice then why not spend a little more to get an international breakdown cover which will help in resolving a breakdown situation which is likely to occur in everyone’s life at some point or the other.
Summary- Don’t let a breakdown situation spoil your holiday mood when you travelling abroad and choose the most comprehensive international breakdown cover. It provides a sense of security, services like on roadside assistance, minor repairs, lockout assistance, towing the car, and premium services like legal assistance, arranging for an emergency driver or even for an ambulance.

By guest blogger Atul