Killarney

<p>By John Healy of Healy Insurances</p>
<h3>A large number of insurers now include breakdown rescue or recovery on their private car insurance policies.</h3>
<p>It is important to check your own terms as there could be limitations as to the age of&nbsp;vehicle that can get this cover. Also, some insurers only give breakdown with “comprehensive cover”.</p>
<p>Usually the following kinds of breakdown would be covered:</p>
<p>Mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures that need help to fix or to replace a wheel, lost keys, stolen keys and keys broken in the lock or keys locked into the car.<br />
Cover applies in the 32 counties of Ireland and in England, Scotland and Wales. There may be restrictions to cover for finishing your journey if it’s outside Ireland.</p>
<h3>The following benefits are normally included:&nbsp;</h3>
<h3>Roadside assistance:</h3>
<p>The insurer will send a competent repairer to help you at the scene and usually provide one hour’s labour.</p>
<h3>Towing:</h3>
<p>Cover is provided to tow the car to the nearest motor garage or to your own garage.</p>
<h3>Finishing the journey:</h3>
<p>Transport can be arranged to reach the final destination. There are also benefits such as accommodation while you are waiting for repairs to be finished.</p>
<h3>Theft of your car:</h3>
<p>A replacement car can be provided if your car has been stolen and not recovered within 24 hours.</p>
<p>A claim under the breakdown section will not affect your No Claims Bonus.</p>
<p>It is crucial to check your own&nbsp;policy wording as some insurers will only cover breakdown away from your private residence. Some insurers impose maximum ages for vehicles that can benefit from breakdown cover.</p>


Breakdown rescue cover explained

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