 What's
Not Covered
Purchasing good breakdown cover is an important decision. No doubt you want to
be well informed before you buy. However, one big mistake that many people end
up making is learning all about what is covered and then never actually finding
out what's not covered by the plan they choose.
Knowing what's not covered by your policy is just as important as knowing what
the policy is going to cover. To help you out, here is a look at what's not
covered by most of the breakdown insurance policies out there.
Vehicle Parts
First of all, when it comes to what's not covered, you'll find that vehicle
parts are not covered by most of the policies, although you will find that most
companies will come out and fix your vehicle for you, the parts are probably not
covered. So, when you call out the company to fix your car if you breakdown at
the side of the road, then remember what's not covered - the parts used to fix
the vehicle.
Big Jobs and Labour
If you are wondering what's not covered by your breakdown cover, you will find
that often the big jobs and the labour costs are not totally covered. Although
some of the labour costs may end up being covered, you may be billed if it is a
big job or a job that takes a lot of time. Be prepared for this to happen,
although it may depend on the specific company that you choose for your cover.
About Accidents
Some people have the idea that accidents are covered with breakdown cover. This
is not the case. Accidents fall under the "what's not covered" heading. If you
are in an accident then you'll need to call your vehicle insurance company. The
breakdown insurance is not going to cover this problem for you.
Going Over Mileage
You'll find that some policies out there have a specific mileage that you can
drive under the policy. You may find that if you go over that mileage, whatever
happens may be part of what's not covered. For example, if you had a 10,000
mileage cap and you go over that, the company isn't responsible for what occurs
if you exceed that. Check into this closer with your particular policy so you
know what's not covered by your company.
Not Following Claims Procedure
What's not covered? Well, if you don't follow the proper claims procedure with
the company, you may not have a valid claim. Check closely into the policies of
your company so you know the proper claims procedure. This way you ensure that
you go through the proper procedures to make sure your claim is covered by the
company.
Your Animals
Animals fall into the what's not covered category. In some cases you may get
someone that will help your animals, but that is up to the person who comes out
to help you. They technically don't have to do anything about any animals that
you have with you.
The Same Problem
Another issue that is considered to be in the "what's not covered" category is
issues with the same problem multiple times. For example, if you make a call to
have them come out because of a problem with the starter, and then you continue
to make calls for help for the same problem, this probably won't be covered. You
are responsible for the repairs that need to be made.
When it comes to what's not covered, these are just a few things that won't be
covered by your breakdown insurance policy. Check with your own company to make
sure you know what's not covered by them.
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