What about legal and breakdown cover in your car insurance?
There are 2 additional types of cover you can include in your car insurance - legal cover and breakdown cover.
Legal cover
Legal cover insures you for the legal expenses involved in trying to recoup any losses that you are uninsured for through your regular car insurance policy when you have an accident that wasn't your fault. Legal expenses might include your insurance policy excess, damage to possessions in your car, travel expenses whilst you're vehicle is being repaired and compensation for injuries.
This car cover will include the cost of evaluating your insurance claim, negotiating with the other person and their insurers, and taking the claim through the courts if necessary.
When you want to make a car insurance claim, your case is referred to a solicitor or, increasingly regularly, to a 'paralegal', who is basically a poorly-paid junior solicitor. Most car insurance policies will not cover you unless the other party is at least 50% at fault, although for serious injury claims your legal expenses provider may take on the case even if the other party is just 10% at fault (i.e. you are 90% at fault).
Breakdown cover
Another precaution you can take is breakdown cover.
There are 2 types of packages
o Two typical breakdown policies are:
o Roadside Rescue
If your car breaks down beyond a specified distance from your house, this type of insurance policy will quickly get you moving again or towed to the nearest garage within a specified radius. If the car can be fixed at the roadside you should receive up to 60 minutes of free labor to repair minor mechanical or electrical faults. All you are likely to pay for are the parts.
Roadside Rescue and Home Rescue
This car insurance policy provides the same level of cover as roadside rescue but will also extend the cover to your house and local area. In addition, this cover will usually return your vehicle to your local garage.
When you've broken down you still need to get to your destination or to return home. Sometimes you can get what's often referred to as 'Recovery Plus', which typically gives you a choice of:
o A hire car to return home or continue your journey.
o The cost of alternative transport to return home or to enable your journey to be completed.
o Accommodation in a local hotel while you await completion of repairs (providing the incident occurred more than a set number of miles away from your home).