What Is Home Start Breakdown Cover (Motor Breakdown Recover)

Home starts breakdown cover refers to a policy that provides services at your doorstep. This policy comprises of the clause;

That whenever you experience a breakdown of your vehicle at home or a distance near to your home, they will help you out.

The service mentioned in the policy is about 1 mile away from home. Home start provides a tremendous job to people that are stuck in this troublesome situation with no help around.

This policy ensures to solve the breakdown issue with a bit low cost, compared to standard repairing costs.

Home Start Breakdown

The home start policy is termed, by another name of home assistance or at-home breakdown cover. 

Home-Start Policy 

  • In this policy, you will be assisted by a mechanic at home to repair your broken vehicle.
  • The difference between home start and standard breakdown policy is that home start policy will provide you with assistance, if your vehicle breaks down at home, or close to home, or a mile away from home.
  • It also assists you even if you break down in the middle of your journey on the road.
  • Multiple assistance for the same issue
  • Routine maintenance 
  • Windscreen repairs
  • Repairs to interior lights
  • Fixing entertainment 
  • Navigational systems fixing
  • The cost of parts repairs cost
  • receive calls around 24 hours 
  • Any breakdown outside the United Kingdom, unless you select European cover 

Buying Home start breakdown cover 

If you want to buy a breakdown cover from a provider, they will provide you the basic level of roadside assistance as standard. Later you can customize the policy by addition of points as per need. 

Details Required 

  • Buyer name 
  • Official address
  • Owners vehicle’s number plate
  • Payment method and duration (pay monthly or annually)
  • Suggestion for your policy starting date 

Selecting the best home start breakdown cover

Factors 

There are a variety of home start policies available. That’s why it can confuse you to decide which one is the right option for now. Consider some factors to select the best that fits you.

  • Select the policy according to the need
  • Personal cover or vehicle cover
  • National recovery or onward travel
  • Any addition of an optional breakout cover to your policy
  • United States cover or European cover
  • Payment method 
  • Limited or limit-less callouts
  • Eligibility of your vehicle for cover.
  • Policy manual consisting of included and excluded items

Callout Timings 

  • This policy assists 24/7
  • Day and night shift
  • 365 days a year.
  • 9 out of 10 breakdowns issues, fixed at home

Pros and Cons of Home-Start Breakdown Cover Policy

Home start breakdown has several pros and cons. The efficacy of the policy depends on your current situation.

Pros 

  • Quick call out for assistance 
  • Service provider at your doorsteps
  • If the problem persists, no additional costs are charged for callouts
  • Less costly than standard repairing
  • On spot repairing 
  • 24/7 available
  • Multiple callouts

Cons 

  • more costly than standard, roadside assistance.
  • for the new vehicle, you won’t be needing a home start breakdown policy.

The policy will not provide alternative transport unless you select a more comprehensive onward travel breakdown cover.

Conclusion 

Home starts breakdown cover refers to a policy that provides services at your doorstep. This policy comprises of the clause;

That whenever you experience a breakdown of your vehicle at home or a distance near to your home, they will help you out.

The service mentioned in the policy is about 1 mile away from home. In this policy, you will be assisted by a mechanic at home to repair your broken vehicle.

Select the policy that best fits you. In the case of a new vehicle, don’t opt for the policy. The chances for a breakout of a new vehicle are less.

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