If you have home start breakdown cover, then you can get a mechanic to come take a look at your car if it breaks down or fails to start in your driveway or just outside your home.
This type of breakdown cover can be taken out as a standalone policy, or as part of a more comprehensive breakdown cover policy that can also include things like roadside assistance, national recovery and onward travel.
This will vary by provider.
Typically, home start breakdown cover will have the following options:
Always check the details of your policy and make sure you know exactly what’s included to avoid being left out of pocket.
Note that certain elements, like how many times in the year you can call someone out to help you and what type of repairs you’re covered for can also vary by provider and level of cover you take out.
Home start breakdown cover is mostly useful in case you get in your car to go somewhere and find that it won’t start, especially if you drive to work.
That said, breakdown policies that include cover away from home and the option to have your car towed to a garage (whether local or further afield) can be extremely helpful under any circumstances, as even new and well maintained cars might sometimes break down at the side of the road. This can be frustrating, costly and even dangerous, so having the option to call a professional for help is a relief.
Depending on the provider and policy level you choose, your cover might not include the following:
If you break down without insurance, one option you have is to call Green Flag, which offers a breakdown service, on 0800 400 600. Another option is to call the AA, which offers instant cover, on 0800 88 77 66. Note that these options will likely involve paying an emergency call-out fee.
If you have a local garage you often use, one of its mechanics might be able to come over to your property and look at the issue. They might charge more for this than regular repairs when the car is brought to them, but it can be a cheaper option than paying emergency call-out fees.
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