Joint and Family breakdown cover can be a great way to reduce the cost of breakdown protection.
What is joint/family breakdown cover?
If you live in a house with multiple drivers (eg. grown-up children) and you all need breakdown cover, a cheaper way of getting the cover you all need is often to buy a multi-person/multi-car policy.
What levels of cover are available?
As with standard breakdown cover, multi-person/multi-car policies offer a number of different cover options, including:
Roadside assistance enables you to request that a patrol vehicle attends your car and fixes it (where possible) at the side of the road. Major breakdown cover operators tend to operate their own fleet of patrol vehicles which are on the road 24/7, while smaller providers often use local breakdown rescue firms. If you do opt for a smaller provider (and there can be sound financial reasons for this), you should remember that you will sometimes be charged for your rescue upfront, and will need to reclaim the money from your breakdown cover supplier. There are pros and cons to either option.
Having recovery cover means your vehicle will be taken to a garage of your choice (within a defined mileage limit) so that it can be repaired. Obviously, it doesn't cover the repairs themselves, which your garage will have to quote for. It's also worth bearing in mind when selecting cover that all recovery options are not created equal; sometimes recovery is restricted to a specified distance from your house, sometimes it is national.
If your car fails to start in the morning, you'll need home start, so a patrol vehicle will come to your house and get you moving.
Onward travel might mean a hire car, other alternative transport (trains, buses) and sometimes also covers hotel accommodation, if you are stranded a long way from home.
As you increase your level of cover, so the amount you pay will increase. What is right for you (and your family/friends) will depend on how, when and where you drive, as well as the cars you drive and how reliable (or unreliable) they are.