European Breakdown Cover with Motaquote

Motaquote isn't just about delivering great rates for car insurance - we can also offer terrific deals on breakdown cover.

Did you know that with Motaquote you can take out either UK breakdown or European Breakdown cover?

If you're currently booking your next holiday and looking to take a road trip with the family over to mainland Europe then breakdown cover is a must.

Think about it for just a minute - can you afford not to take out breakdown cover if you're driving around Europe? My guess is probably not.

A decent EU breakdown policy will include things such as roadside assistance & repairs, provide overnight accommodation if required, 24 hour vehicle hire and a number of other excellent benefits to help keep you on the road.

However, Motaquote goes a little further with it's breakdown cover and can even provide extra cover if you're towing a trailer or caravan as well as provide an emergency driver should the driver be taken ill or get injured whilst on the journey.

So our breakdown cover isn't just about getting your car going again - we offer so much more.

To find out how it works please visit our breakdown cover page or simply click Get A Quote and you can buy online today!

More Than One Player In Motaquote’s Telematics Family

With the highly publicised launch of our sister brand – Fair Pay Insurance we felt it important to talk a little about the differences between Fair Pay and iKube as they are two quite different forms of telematics car insurance (or “black box insurance”) that will suit different people.

Let’s take a quick look at Fair Pay Insurance.

Fair Pay Insurance is what’s known in the press and media as “pay as you drive” car insurance. Whilst this is the case to an extent, there is still a lot more to it than just that.

It has essentially taken basic telematics car insurance and optimised it further by giving the customer even more control over their premiums.

But how has this been done?

To start with – if you tell Fair Pay you are a good driver it will believe you and reward you up-front. So you get given a pot of mileage points as well as the bonus mileage points when your policy starts. However, Fair Pay can offer the functionality to top up mileage points on your account as well if you want or need it through its Dashboard.

Fair Pay, like iKube, monitors and tracks the way in which you, the policy holder, drives. It measures elements such as speed, harsh braking, time and location, G-Force impact, Cornering and the routes and types of roads used. The TomTom navigation device that is bundled with the Fair Pay product will alert you to any incidents you may have whilst out on the road – these can be monitored both in real-time and once you get home via your computer.

Using this information, as long as you have driven safely and well, you could be due a considerable discount at renewal.

Who is Fair Pay For?

Unlike iKube, for example, Fair Pay is aimed at a broader market – i.e. older drivers (over 25s), female drivers and anyone who thinks they pay too much for their car insurance (i.e. over £1,000) and don’t deserve to be penalised.

Now Let’s Take A Look At iKube

iKube’s black box insurance is quite different to Fair Pay. It’s a usage based car insurance product specifically aimed at 17 – 25 year old full licensed drivers and those learning to drive. iKube doesn’t restrict on mileage but does ask that you  avoid driving between the hours of 11pm – 5am.

If you are found to be driving late at night then you will incur a £100 fee for driving at that time (iKube of course make exceptions for those people simply moving their car less than 100 yards to let someone else move their vehicle).

In much the same way as Fair Pay the black box device installed in the car will monitor elements such as speed, time of day the car is driven, harsh braking and cornering, etc. This can be viewed on your online dashboard that is provided when you take the iKube policy out.

As long as you have been a good, careful driver during the term of your policy then you could be due a significant discount at renewal (in some cases up to 40%).

Who is iKube For?

iKube is solely aimed at young and learner drivers between the ages of 17 – 25 who feel that they are penalised due to their age and inexperience on the road.

Keep Us Up To Date With Changes In Your Life

Did you know that changes in your life can affect your insurance policy? Whether you have your home insurance or your car insurance with Motaquote, we need to know about changes to your personal circumstances. Here's why:

Home Insurance

Whether you're planning on making significant home improvements (i.e. adding a new room) or simply moving into a bigger house - it's crucial that you let us know.

Why You Need To Let Us Know About Home Improvements

As you would expect - adding rooms on to your house is likely to increase the sum insured for repair costs of your home... so if you haven't updated us on any changes there is no guarantee that your house and it's contents will be completely covered under your existing home insurance policy.

Why You Need To Let Us Know If You're Moving House

This might seem obvious to some but let's be honest... with the excitement and hussle and bussle of the move it's easy to forget about your home insurance.

It's vital that you let us know if you are moving house so we can ensure that you are covered for the correct sums insured when you move... a home insurance policy for one house may not be suitable for another.

Car Insurance

Whether you are moving house, upgrading your car or even if you’ve recently got married and plan on adding your spouse to your car insurance policy you should let us know!

Car Insurance – Moving House

You need to tell us if you’re planning on moving house as it might affect your car insurance policy as the postcode of the area you move to may affect the policy. Besides, we need to know your address if we’re going to be sending out car insurance certificates, policy documents, etc.

Car Insurance – Adding A Newly Married Spouse To Your Policy

As odd as this might sound adding a spouse to our car insurance policy might reduce your annual premium. It’s definitely worth considering just for that fact alone!

You simply add your spouse as a named driver to your car insurance policy and voila! Car insurance policies have been known to drop significantly in some cases. However, this is not the case in all circumstances - it really depends on their driving history.

Car Insurance – Upgrading Your Car

Perhaps you’re looking at that sporty little red number in the car showroom… maybe you’re looking at upgrading to a big 4x4. Whatever the car is you’re looking to upgrade (or downgrade) to you need to let us know before you drive it away otherwise you will not be covered.

Did you know that car insurance is a legal requirement before taking to the road? For this reason alone it is vital that you update us so we can update your car insurance details.

Motaquote – More Than Just A Car Insurance Broker

As one of the largest insurance brokers in Wales it should come as no surprise that Motaquote can offer virtually any kind of insurance cover you can think of.

Did you know that Motaquote is more than just motor insurance? It is funny how few people realise that when they walk into one of our branches, whether it’s Swansea, Cardiff, Bridgend or one of the other branches dotted around the Welsh valleys.

One of our staff came to me the other day and said that the new sign we’d installed in Tonypandy, for example, had drawn in new customers – simply because they hadn’t realised that we offer other policies, such as motorbike insurance, travel insurance and home insurance in addition to our standard motor insurance policies.

But we don’t just deal with personal lines insurance – did you know that Motaquote has also been selling business insurance to small businesses around the UK for the past twenty years? Possibly not… but we do!

In fact we offer a very wide-range of highly competitive small business insurance products – from tradesman liability insurance to professional indemnity, office insurance and even motor trade insurance… and it doesn’t stop there.

I hope to bring you more information about Motaquote over the next few months – whether it’s new products, updates and changes to existing products over simply what we’re up to in the community.
Watch this space!