As with most bills, if you auto-renew it’s highly likely you will be overpaying. Fortunately, the quality of breakdown cover service by different providers is all fairly similar. There is no real need to stay loyal to a particular brand.
How To Get The Cheapest Breakdown Cover Every Year.
Regardless of what type of cover you need, the best way to get the cheapest deal is to swap Breakdown Cover Providers each year. This saves money in two ways.
Firstly you get their cheap new customer low price deal. This is alone is likely to be much cheaper than your renewal quote.
Secondly, by swapping providers you can sign up to your new provider via one the main cashback sites. This can amount to a decent percentage saving on just basic cover and quite a substantial saving for more expensive comprehensive cover, for which you can currently get up to £120 cashback.
Let’s have a look at whats on offer.
Bear in mind, prices and cashback offers can change at any time.
Heres a look at the range of Breakdown Cover Providers that you can get cashback from at Topcashback. Now straight away you can see 4 decent options for cashback. However, the standout options are the most well-known, the AA and the RAC.
Examples of AA Breakdown Cover Cashback Amounts
Dependng on the cost of the particular type of breakdown cover you take out you can see the varying amounts of cashback you could get. Typically 25-35+% off. Significant savings.
Examples of RAC Cashback Amounts
Here you can see the RAC offers very similar cashback deals to the AA.
Simple Strategy For Cheapest Breakdown Cover
My simple money-saving strategy would be to one year go with the AA and the following year go with RAC. Each year taking advantage of the lowest prices they offer new customers and combining with the very generous cashback offers.
Assuming similar cashback on offer each year I’d simply an alternate breakdown service providers, for example:
- Year 1: AA
- Year 2: RAC
- Year 3: AA
- Year 4: RAC
Obviously, keep an eye out for other breakdown cover options. Some years other providers may have deals on which may work out cheaper than the above deals even including the cashback.
How To Activate The Breakdown Cover Cashback
To qualify for the cashback, click the link from the cashback site to the breakdown service provider of your choice. In the above AA an RAC from Topcashback images you would click the red button near the top that says “Get Cashback Now”.
A new page would pop and you’ll see this:
Do note, cashback is never 100% guaranteed, although I have received mine the vast majority of times. If you are in doubt as to whether the transaction will track because maybe you have visited the breakdown providers previously via other sites. Simply clear your browser cookies or open the cashback site in a different browser, log in to the cashback site and visit the AA or RAC etc site from there and it should track. If you have any issues with missing cashback you can make a claim.
Read my Topcashback review to see how it works and more ways you can get cashback. Over time it can add up to hundreds of £’s.
How To Find The Current Cheapest Breakdown Cover Deals For New Customers
To start with I look for the current cheapest breakdown providers. I do this simply by going to look the MSE Best Buys Breakdown Cover. They highlight the providers with the best new customer deals. Usually, the AA and RAC are up there as one of the cheapest.
I then take out the breakdown cover by first visiting Topcashback or Quidco. It’s always worth checking both cashback sites. Typically I find Topcashback offers a little more, however, in this instance for some cover amounts Quidco was offering high cashback for both breakdown providers on the highest premiums but a little lower on the basic cover premiums.
What Type of Breakdown Cover Do You Need?
If you have a new or reliable car then you may just want to take out the cheapest basic cover. My new car is 3 years old and this is the option I went for.
My previous car was older and reached that point of potentially being a little more likely to break down. Thankfully it never out on the road, but there was one occasion when it wouldn’t start outside my house so I was glad I had Home-Start. Although, you still pay over the odds for parts, in our case a new battery.
The cover varies as well in terms of whether you cover the car or the driver. If the covering yourself as a driver expect to pay more.
Do You Even Need Breakdown Cover?
I only ask this question as I did a poll on Twitter and was surprised at how many people didn’t actually have breakdown cover. Admittedly a small sample size, but 57% said “No”.
If you break down you can still call up a breakdown service, you’ll just have to pay more if you do need them.
If you do decide to take this option of no cover, it’s always best to save at least the equivalent of the premiums to cover any future costs of having to pay for an emergency breakdown service.
As of July 2018, for car cover (not personal cover) you would typically be looking at:
- Basic cover £35 (minus £11 cashback) £24
- Full cover (home start etc) £50-£99+ (after cashback)
Personally, I like the peace of mind for myself and especially family when they are out and about of having breakdown cover.
Other Ways To Get Cheap Breakdown Cover
Sometimes breakdown cover is included within packaged bank accounts or as part of a car insurance policy.
If you know the cheapest breakdown cover using my method above of combining cheap new customer deals and cashback discounts, you’ll be able to work out whether the breakdown cover in the package is worth the cost when comparing to other packages or insurance policies which don’t include the breakdown cover.
Averse To Switching But Still Want To Save?
If you really don’t want to switch breakdown providers for whatever reason. For examples, maybe you really like some of the member’s benefits which offer discounts in a location you guarantee to make decent savings from or you just can’t find 5-10 minutes to switch. There is a lazy but less effective method. Haggling.
I call it haggling but don’t be daunted by this. Simply ring up and ask your existing provider for a discount. Breakdown firms are known to easily give good deals if simply you ask for them or tell them you want to cancel
This lazy approach will save you money on your renewal quote but you probably won’t get the best saving on par with a new customer deal and you won’t get the added benefit of cashback.
Although breakdown cover is a fairly small annual bill for some if you only get basic cover, the savings percentage wise are significant and can certainly add up over time if you make use of my tips.
If you know of any other ways to get a cheap breakdown cover or you try my method out, please let me know in the comments or via social media.