Everyone knows that it isn’t any fun to have a mechanical failure with no cover in the middle of nowhere. But one of the common places for vehicle problem is right in your own driveway. Many breakdown policies have a distance-from-home clause written into them. At least ten miles from your residence is the usual requirement.
Trouble in the Morning
Mornings are often hectic even in the most well-regulated households, especially if children are involved. But even if you have only yourself to get prepared and out the door, even the littlest things can cause serious delays. Some common morning problems include:
- Your vehicle fails to start. This can be from cold weather or because someone didn’t close a door or left the radio or other battery-draining device turned on in the car or truck.
- The car door is locked – with the keys inside. The engine might or might not be running. This becomes even scarier if a child or pet is locked inside during extreme weather temperatures.
- You have a flat tire. And the spare is flat.
- Your vehicle is out of gas.
- A rodent has eaten vital wires that connect to spark plugs or other devices. Squirrels and rats are frequent culprits for this kind of behavior.
None of these things are items that you wish to deal with first thing in the morning, especially if your morning schedule is calibrated to the last second. While your breakdown cover won’t completely prevent those precious minutes from ticking away, your mobile agent is probably your best chance of arriving at your destination in a timely fashion.
Adding At-Home Cover
Adding at-home cover to your existing breakdown policy is usually just a matter of making a request or even just ticking a box when filling out your application. For a modest amount, you can count on having someone to unlock your vehicle, give you a jumpstart or change that flat tire. You won’t even have to get your hands or your office wear dirty.
You can count on that same coverage just about anywhere in your home territory, whether you are grocery shopping, delivering the kids for sports practice, going to work or dropping off those late library books. But you do want to read the fine print on your policy.
Things to check include:
- Your regular work commute (for some, this is another one of those boxes that need to be ticked off in order for you to be fully covered.
- New or learning drivers
- Whether the account accrues to the driver or to the vehicle
- Miles on your vehicle
- Whether you cross a county or country border
- Business use of your vehicle
Read carefully to be sure that you have accurately and truthfully filled out boxes such as how many miles you travel each day and common usages of your vehicle. Being in the wrong place during an undisclosed activity, such as driving for Uber or delivering pizza after your regular work hours could result in denial of benefits. No one wants that.
At-home or on the road, a correctly set up breakdown cover policy can make a world of difference in whether you arrive in a timely fashion. Morning might not be your favorite time, and it can already be crowded with many considerations. A vehicle that doesn’t work just should not be a part of your morning routine.
Talk with your regular insurance agent. He or she might have an in-house breakdown cover that can be added to your full coverage or uninsured motorist collision insurance. If that is not the case your agent might be able to recommend a provider company.