Insurance with breakdown cover explained for peace of mind on the road

Driving is an important aspect of many people’s lives for a number of key reasons. Drivers may rely on their cars to get to and from work, while others enjoy the freedom to explore that having a car brings. 

Taking care of your vehicle is a major aspect of owning a car, as all vehicles need regular maintenance and checks to ensure that everything is working properly. This is reflected in the fact that cars can experience breakdown on European roads, which can be a challenge if there is no support plan in place.

Statistics show that vehicle breakdown in Europe can be attributed to a number of factors, including tyre punctures, loss of power or a flat battery. A motor insurance policy that can also offer breakdown cover provides a secure safety net to help if you suddenly breakdown and need professional support. 

In this article, we explore what motor insurance with breakdown cover is and how it can give you peace of mind for every journey you take. 

Contents

• What is breakdown cover?
• How does breakdown cover support drivers?
• Do I need breakdown cover?
• Enjoy peace of mind with car insurance and breakdown cover from GasanMamo. 

What is breakdown cover?

There is a legal requirement to have third-party insurance if you drive on roads in Europe. Third-party car insurance covers any damage or injury to third-parties or passengers that occurred while you were driving and deemed responsible for the accident. 

A useful addition to vehicle insurance is breakdown cover. Having this type of coverage means that you can get help if your vehicle breaks down on the roads. In this situation, roadside assistance is extremely useful as you can gain support from a professional to fix your car or tow it to a garage to resolve any issues. 

Notably, breakdown cover and roadside assistance are not usually integrated within a standard car insurance policy. Some comprehensive policies, such as GasanMamo’s Comprehensive motor insurance policy, offer roadside assistance as part of the plan which is really convenient for motorists. 

How does breakdown cover support drivers?

Car insurance that can be enhanced with roadside assistance cover provides you with vehicle support options that are useful if your car has a problem, such as punctures, breakdowns, towing, battery failure, key locked in car and other unexpected scenarios. 

Combining a car insurance policy with roadside assistance enables drivers to gain a strong sense of reassurance that if their vehicle encounters a problem while they are driving, they will be given the right support at the right time to get the car moving or to a place where it can be fixed. 

As an example of what roadside assistance can provide for drivers, GasanMamo’s Comprehensive car insurance with integrated roadside assistance includes:

• 24 hour breakdown and towing service all over Malta and Gozo.
• Free towing to any destination from any point of breakdown.
• Transport to your home if the vehicle is towed to a repairer’s site during the night.
• Replacement of battery on site (please note, the cost of a battery is extra).

For drivers with third-party or third-party, fire & theft motor insurance, there is the option to purchase roadside assistance alongside their existing policy for a small additional cost. 

Do I need breakdown cover?

There is no legal requirement to buy breakdown cover or roadside assistance to drive on public roads in Malta. However, having roadside assistance cover reduces stress and creates a sense of security as it’s easier to get help while finding out what is wrong with your car.

The chances are you could also save money as roadside assistance could help reduce costs. This is because the amount you pay if you don’t have insurance to support you with a breakdown situation can be very high. This could involve a substantial emergency call out fee, which is often decidedly expensive. 

Enjoy peace of mind with insurance and breakdown cover from GasanMamo

Here at Gasanmamo, we have a whole team of experienced insurance specialists who can guide you through the attractive additional benefits on offer, ranging from discounts for multiple vehicles to free roadside assistance.

Plus, we offer an affordable motor insurance policy for young drivers called Boosh. It’s specifically  designed  for  drivers between the ages of 18-24 and offers a range of additional benefits at an affordable price.

Get in touch to secure a quote today or  contact  our  team for a friendly chat.

GasanMamo Insurance is authorised under the Insurance Business Act and regulated by the MFSA.