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Breakdown Insurance for Winter Weather

Breakdown insurance is just the thing for there is winter weather. When the winds are blustery and cold, and the rain is pelting down the very last thing you want to do is to get out of your vehicle to change a tire that has gone flat. Worse yet, you do not want to be stalled on a busy highway when the weather is severe enough to make steering and braking difficult.

Breakdown insurance comes in several types, but one of the most common is roadside assistance. This is where the mechanic and the parts shop come to you. A driver and a van full of parts arrive at your location. The trained mechanic will assess your situation. In many cases, he or she will make repairs immediately. Occasionally, however, your vehicle will need to be towed to the nearest repair facility. Should this be the case, the driver will be able to call it in and a towing truck will arrive quickly.

Not all repairs will be included in your breakdown insurance coverage. For example, if you have an older vehicle that is out of warranty if your car or truck requires parts you might need to pay for the parts. However, the mechanic who arrives with the van is paid out by your insurance company. If your vehicle is still under warranty, the parts might be included in the service.

There might be some restrictions on towing, as well. Usually, your vehicle will be towed to the nearest facility that can effectively work on your vehicle. Some policies have restrictions on the miles, others on the repair facility, while still others have no restrictions at all.

If you are traveling outside your home country, breakdown insurance is really nice to have. Make sure you pack your policy along with your passport and other necessities. If you are guiding your SUV toward a winter sports destination, you can almost count on having some bad weather along the way. As frustrating as it is to have a vehicle failure within a few blocks of your home, it is truly scary to have to deal with car repairs in a country where you don’t even speak the language. It is difficult enough to learn how to speak mechanic, let alone having to do it in a language that is not your own.

Better yet, a good travel policy breakdown insurance will often help with hotel or motel accommodation if the repair is going to take long enough that you must make an overnight stop. It will even get you to that important appointment, meeting or concert and back to your accommodation. Be sure to discuss your travel plans with your insurance agent. You might need more than one type of policy if you expect to travel through several countries.

Breakdown insurance can help with your winter travel plans. Whether you are making a last minute before the storm run to the grocery store, heading toward sunnier climes or making your way toward the slopes, breakdown insurance can help make sure that you arrive. The important thing to know about breakdown insurance is that it comes in many different types. Talk with your insurance agent about the best policy for you. You can even buy one that will help with those embarrassing moments when your vehicle won’t even start, or when it breaks down less than five miles from your own driveway. If you are a habitual short-distance driver, those are good policies to have because the normal breakdown insurance doesn’t cover those embarrassing Oops! moments, like locking your keys inside the vehicle.