Accident and
breakdown cover
Insurance is not rocket science. We explain everything you need to know about the accident and breakdown cover in this glossary article.
What is accident and breakdown cover?
Accident and breakdown cover is an additional benefit that you can add to your car insurance policy. Vehicle associations also offer this extension. With accident and breakdown cover, you are covered in many situations in which you need help quickly. For example, if your car needs to be towed away, your insurance will cover the costs.
What does accident and breakdown cover include?
The services included vary from insurance company to insurance company. Among others, the following services are covered:
Breakdown and accident assistance at the scene of an incident
If you get into an emergency situation, your vehicle will be repaired directly at the scene of the breakdown or accident.
Towing service
If your car needs to be towed, it will be taken to the nearest garage immediately.
Vehicle recovery
If you drive into a ditch, for example, your car has to be recovered. Your vehicle will be lifted and brought back to the paved road.
Rental car
If, for example, you are unable to drive your car due to an accident, you can continue your journey with a rental car until your car has been repaired.
Accommodation costs
Your hotel costs will be covered if your vehicle breaks down and you are unable to continue your journey.
Vehicle theft
If your vehicle is stolen, you will be provided with a rental car. If your stolen car is recovered, it will be transported to your home.
Medical repatriation
If, for example, you become seriously ill while on vacation and are no longer able to drive, you will be transported by air to a hospital in your home country as quickly as possible, if necessary.
It is best to contact your insurance company directly to find out what services are covered.
When is it useful to have accident and breakdown cover?
The accident and breakdown cover is especially useful if you commute or drive long distances with your car. In the event of a breakdown or an accident, the motor insurance policy offers you additional security. For example, if you only use your car for shopping, we do not recommend you the accident and breakdown cover.
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When is it useful to have accident and breakdown cover?
The accident and breakdown cover is especially useful if you commute or drive long distances with your car. In the event of a breakdown or an accident, the motor insurance policy offers you additional security. For example, if you only use your car for shopping, we do not recommend you the accident and breakdown cover.