Q. Why is your breakdown cover so cheap?
A. Our scheme is run by an insurance company who do not spend millions of pounds on advertising like our main competitors do each year, this saving is then passed on to our customers.
Q. I have never heard of your company.
A. IC Breakdown is administered by us Insurance Choice. We are an insurance broker based in Leamington Spa and registered with the FSA, number 452767 and our details can be viewed on their website. This breakdown scheme has been in operation since 1983.
Q. Do you cover the person or the vehicle?
A. Our breakdown polices cover the vehicle, and anyone driving your vehicle who is insured to drive it.
Q. Do I get immediate cover?
A. Cover is effective from midnight on the day of purchase, this helps us exclude people who intend to use the service after the event and helps keep our costs down for the genuine customer.
Q. Who rescues me when I need to use the service?
A. Once you have made a call in to the rescue centre, they will arrange for one of over 1,250 operators nationwide to assist you. They are all AVRO (Association of Vehicle Recovery Operators), or RRRA (Road Rescue Recovery Association Operators), with over 5,000 vehicles between them.
Q. How long will I have to wait to be rescued?
A. The average response time is 39 minutes, priority is given to female drivers and anyone else in a serious situation.
Q. Is there a limit on the number of times I can use the service?
A. No, but the underwriters will expect the vehicle to be in a roadworthy condition and you must abide by the general terms of the policy.
Q. Do I get a discount if I purchase more than one policy?
A. Yes you do, we offer a £5 discount off the second and any subsequent breakdown policies you purchase.
Q. How can I find out more information before making a decision?
A. Our website provides comprehensive information for you to view. The full Policy Wording and Key fact Summary are available to read and download in PDF format.
Q. Can I speak to someone before I purchase a policy online?
A. Yes you can, please feel free to contact us on 0844 55 77 600. We are open between 9am and 6pm weekdays, and 9am to 1pm on Saturdays.
Q. How do I purchase my policy?
A. You can buy online immediately using a credit or debit card via a secure payment area, and we also accept PayPal.
Q. What happens once I have purchased the cover?
A. If you buy online you will receive an instant confirmation and an a email will be sent providing you with the relevant policy number and emergency contact numbers. If you buy by phone, our member of staff will instantly provide you with the policy number and emergency contact numbers.
Q. Is this just another “Pay and Reclaim Scheme”?
A. No, we know that some cheap offers in the market place expect you to have to pay the recovery operator at the scene of an incident, we have no hidden costs, our service is covered in the annual premium you pay, you will only be responsible for the cost of replacement parts, emergency windscreens, fuel, etc.
Q. What if my vehicle can’t be repaired at the roadside?
A. All of our policies include recovery to the nearest local garage or to any other destination of your choice if the vehicle cannot be repaired during the same day.
Q. How much does it cost to change my vehicle on my policy?
A. We allow you to change your vehicle once for no charge, we will then charge you £5 for each further change.
Q. Can I change my level of cover mid term?
A. You cannot change your level of cover until the renewal of your policy, however you could cancel your policy and take a new policy out, but no refund would be due.