Why Breakdown Cover is Different To Car Insurance
The whole point of insurance by car is to explore the different levels of insurance premiums quoted for different makes and models of cars. What you never get to know is, why there is still so much difference in insurance quotes and is it possible, that some insurance companies overcharge certain drivers so they can be competitive in pricing for their preferred type of car owner?
With many providers of breakdown cover these rules do not apply. They market a specific price for a particular breakdown cover policy of which everyone pays the same amount, not matter which make or model of car they drive. This makes it so easy for the consumer to compare what is right for them, without the need for a computer to calculate the difference.
There are some breakdown cover providers that do ask a few more questions and quote different prices depending on age and model of car and sometimes other criteria such as how many miles per year they do. One such provider is green flag, who is owned by the Royal Bank of Scotland the same company that owns Direct Line, Churchill and other car insurance organisations.
At the time of writing this, Green Flag were advertising breakdown cover or more specifically, roadside assistance from £25. It is not until you fill in their application form however that you find out if the car you drive and your driving circumstances will qualify you for the cheapest rate of £25.
Other breakdown cover organisations show you the price for each level of policy and that is it. The argument is, they can keep the price down if you show reason that the likelihood of a callout is low. However consumers like to see prices there and then, so there is also a possibility they lose customers at the point of filling in this form.
Even so, the form filling is far less labour intensive and quicker than expected with most car insurance companies, so in hindsight it’s maybe not such a bad idea.
