There is a French proverb, “Tant va la cruche à l’eau qu’à la fin elle se case,” that translates as “The pitcher that goes oftenest to the well is the soonest broken.” It means, quite simply, that the thing you use the most often is the most likely to break or wear out. This definitely applies to cars or trucks that are used by commuters. This makes it easy to see why insurance companies that offer breakdown cover or roadside assistance place commuter vehicles in a special category.
While it is well known that a vehicle needs to be driven periodically to move fluids through the engine, a vehicle that is driven daily in all sorts of weather really does take a beating. If you live in an area where there is winter snowfall, moisture and salt can do quite a number on the undercarriage of any vehicle. Daily driving means added miles, sometimes under difficult stop-and-go driving or in areas where it is imperative that everyone should drive up to speed to prevent fender benders and traffic accidents. While roadside service or breakdown cover does not apply to fender benders or collisions, it can take up the slack when overstressed parts break. It can be the difference between arriving on time and arriving woefully late.
Regular Breakdown Might Not Cover Commuting
With that said, regular breakdown insurance might not cover your commute. Fortunately, there is a type of breakdown insurance that is created specifically for commuters. It will address distance driven, probable stresses along your route and spell out the number of times it can be used in a given timeframe. While this will vary from company to company, be sure to let your insurance agent know if you will be driving your vehicle to work each day. This includes if you will drive it to a commuter parking lot and catch some form of public transport or rideshare to continue on to your work destination.
Always Be Honest about Your Driving Plan
You should always be honest about your driving plan. Otherwise, your insurance company might refuse to cover costs because of your failure to conform to the specifics of your plan. Letting your insurance company in on your travel commitments will help them to make sure that you have the coverage that suits your need and that you are neither over-insured nor underinsured for your activities. This will save you both embarrassment and money because you will be paying the premium for the insurance that best suits your vehicle needs.
Don’t Forget the Small Details
Even if your policy is primarily for commuting, don’t forget to share the small details about your vehicle use. Keep in mind that many breakdown or roadside assistance programs don’t cover problems that develop within ten miles of your home. For that reason, you might want to add a “home” or “driveway” policy to your regular roadside assistance. That way, if you lock your keys in the car, wake up to a flat tire or a dead battery, you know who to call to get it fixed.
Age of Your Vehicle
Discuss the age of your vehicle and its mileage with your insurance agent. Breakdown policies that help pay for repairs often have age guidelines for the allowable longevity of your car or truck and the number of miles it has traveled. Its age will affect whether you invest in breakdown insurance or in roadside assistance.
It is important to get the right policy for your driving activities. A frank discussion with your insurance agent will help make sure you have the right insurance for your needs.