Home start breakdown cover
Few things are as frustrating as not being able to start your car when you have places to be. Find out all about home start breakdown cover.
What is home start breakdown cover?
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.
What does home start breakdown cover include?
This will vary by provider.
Typically, home start breakdown cover will have the following options:
- Cover in case your car breaks down or won’t start directly outside your home.
- Some policies might include someone coming out to help you if you break down away from your home but within a certain distance.
- Some policies might include having your car towed to a local garage. More comprehensive policies can also include the option to have your car towed to any address of your choice within the UK.
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.
When can home start breakdown cover be useful?
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.
What doesn’t it cover?
Depending on the provider and policy level you choose, your cover might not include the following:
- Cover in case your car breaks down away from your home (some will include this up to a certain distance).
- Having your car towed to anywhere other than a local garage.
- Cover for alternative modes of transport for you to continue your journey.
Can I get home start breakdown cover without taking out a policy?
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.
Compare breakdown cover
Frequently asked questions
More guides on Finder
Nissan LEAF insurance group and cost
Find and compare car insurance costs for your Nissan LEAF model based on the engine size, the driver’s age and location.
Citroen C4 insurance group and cost
Find out the average cost of insurance for a Citroen C4 based on the driver’s age and location.
Car insurance group 33
Find out which cars are placed in insurance group 33 and how much it might cost to insure them by driver age and location.
Best Amazon Prime Day deals 2020
Just when you thought Black Friday was the best day of the year, Amazon Prime Day comes along.
The UK’s best home emergency cover in 2020
We’ve compiled a list of some of the best home emergency cover providers in the UK and the cover options available.
Best backpacker insurance companies in 2020
We’ve compiled a list of some of the best backpacker insurance providers in the UK and some top tips on how to get the best deal on your policy.
Best current accounts in the UK 2020
Find out what the best bank account is for packaged accounts, basic accounts and cashback accounts.
Temporary car insurance for new drivers
If you just passed your driving test and are looking to save on insurance, you can consider a temporary policy for new drivers.
List of cars in insurance group 20
Find out what cars are in car insurance group 20 and how much it might cost to insure them based on the specific model version, the driver’s age and their location.
List of cars in insurance group 14
Find out how much it might cost to insure a vehicle in car insurance group 14 based on your age and location.