Types of Cover

As well as thinking about the level of breakdown assistance you require for your vehicle, you should also consider what type of cover you want. Will you be the only person driving your car? Do you drive a van for work and have a car for personal reasons? Do you currently live with a partner and do you share the same car or have separate vehicles of your own?

Types of cover are typically divided into two main categories:

• Vehicle Based Cover

• Personal Cover

Vehicle Based Cover

Vehicle based cover is designed for families and couples where more than one person will be driving one vehicle, ensuring that the vehicle will be covered in the event of an accident regardless of who is behind the wheel. Vehicle-based cover also normally costs less than personal cover.

There are a number of varying degrees of vehicle-based cover depending upon the number of named drivers and the number of people living at one address. The three main types of vehicle-based cover available from the majority of insurers are as follows:

• Single - covers one person as the driver or passenger in any vehicle

• Joint - will covers two people, living at the same address

• Family - offers cover for your family

Family vehicle insurance plans vary between insurers – some offer cover for up to four people living at the same address, some offer cover for two adults and two others under 21 years of age.

Personal Cover

Personal cover plans are more expensive than vehicle-based plans, but are a better all-round solution for drivers with more than one vehicle registered under their names. The most common plans provide cover for individuals who have one vehicle for work, and another for personal use. Personal cover also provides roadside recovery rescue cover for the insured individual no matter what car they are in, and whether they are driving it or not.

Related Frequent Questions:

• Levels of Cover
• Service Considerations
• European cover benefits
• Al Testing