There are few things nowadays more frustrating than standing on the hard shoulder of the motorway, waiting for a recovery vehicle in the future and tow you from the scene of the breakdown. One of these is struggling with a breakdown whenever you don't have adequate insurance policy.
Insurance is often among the first expenditures to become cut in times of fiscal uncertainty. Using the European economy on a back footing and the recession in severe danger of deepening, it can be tempting to chop costs that don't provide an immediate return. For every ten pounds you lower your weekly food shopping, you will notice a ten pound stop by your quality lifestyle - but for every 10 pounds you reduce your insurance there won't be any obvious effect. It will be business as always until something goes wrong.
Nevertheless anyone who has ever been caught inside a costly situation with no relevant insurance will explain, it is better to pay for peace of mind on a monthly basis than it is to end up in a situation where you might find it difficult to cover your costs.
In the above example, that very same ten pounds per week in insurance costs might stop you from having to shell out hundreds of pounds for emergency breakdown recovery. In a worst case scenario in which you do not have the money to pay for this particular service lying around, you will struggle to retrieve your vehicle and this can cause you to incur both costs of vehicle replacement and lack of earnings whilst you make alternative arrangements.
Thankfully for those of us who can't afford to pay for the most comprehensive cover, there are some different tiers of breakdown insurance available and also the cheapest is usually reasonably priced. Whilst these insurance plans will offer no-frills services, they'll be greatly better than having no cover whatsoever in case of a breakdown. It's worth considering that the cheapest plans will probably leave you exposed to loss of earnings and may result in additional costs - often efforts will allow the recovery team to deposit your automobile at a nearby garage of the choice. These garages will rarely provide you with the best good value or the most effective service since it is not in their best interest to invest the necessary money to do this. After all, you're unlikely to return to the same motorway garage any time soon so they won't benefit from your positive experience with their work.
Choosing the right breakdown insurance policy for you can be difficult, and as with any insurance contract you should be careful to see all the relevant small print before you sign the contract.
Remember that insurance shouldn't be seen as a cost but because an investment inside your security and reassurance: the last thing you would like is to be stranded through the roadside to have an indefinite period of time.