Is your breakdown/recovery insurance as good as you think?

Tco

Guest
Having read something that concerned me about the RAC/AA recovery services I contacted the AA to seek clarification. My specific question was what happened if I had a puncture. the reply is as follows:

In the specific case of a puncture, you will be assisted without charge, provided that there is no additional damage to any other part of the vehicle. If the only damage is to the tyre, and you carry a serviceable spare (or alternative means of puncture repair - some cars carry a sealant instead) then the AA will attend and change your wheel, or recover the vehicle if necessary, and there is no charge for this. If you were unfortunate enough to have two punctures at the same time (for instance running over nails), then the vehicle would be recovered. Again there would be no charge if the vehicle is otherwise undamaged.

However if the incident that causes the puncture also causes additional damage (for instance if you collided with something and also damaged the bodywork) then it is classed as an accident. We WILL attend accidents and recover the vehicle if necessary; however you would be billed for this. You would then be able to reclaim the costs from your insurance, or from the insurance of whoever was responsible for causing the accident.

In the case of regular breakdowns, mechanical or electrical failures, flat tyres or lost keys, these are not counted as "damage" and again you would not be charged for these sorts of incidents.


I read that as if, the tyre bursts and damages (say) the wheelarch, The Patrol may decide that the damage is in his opinion, accident damage, they will regard your difficulty as an accident. So any relay that they provide will be charged for at commercial rates. I specifically wanted to know because in the past I have collected two punctures by two wheels running over the same sharp object. In my case I was able to rectify my own situation. However as I am now nearing my 70th birthday, I wanted to know what would happen if the same circumstance occured again whilst I was driving my MH. At this point I should say that the reason I took out cover was so that a younger man might change my wheels for me.

I was shocked to see that the AA in particular (and I am told the same goes for the RAC) will not relay a vehicle which has "accident" damage. They will call in a commercial recoverer and leave to make your own arrangements with him, or reimburse him from their funds and charge you later.

It all depends on what in the opinion of the patrol sent out to you is "significant" damage. It may be worth checking your own policy.
 
I'm not too worried, I have been "recovered" from Scotland to Derby by the RAC after falling off the bike when exiting a ford and damaging the radiator.
 
Don't like AA or RAC - too expensive plus service is not great

Having read something that concerned me about the RAC/AA recovery services I contacted the AA to seek clarification. My specific question was what happened if I had a puncture. the reply is as follows:

In the specific case of a puncture, you will be assisted without charge, provided that there is no additional damage to any other part of the vehicle. If the only damage is to the tyre, and you carry a serviceable spare (or alternative means of puncture repair - some cars carry a sealant instead) then the AA will attend and change your wheel, or recover the vehicle if necessary, and there is no charge for this. If you were unfortunate enough to have two punctures at the same time (for instance running over nails), then the vehicle would be recovered. Again there would be no charge if the vehicle is otherwise undamaged.

However if the incident that causes the puncture also causes additional damage (for instance if you collided with something and also damaged the bodywork) then it is classed as an accident. We WILL attend accidents and recover the vehicle if necessary; however you would be billed for this. You would then be able to reclaim the costs from your insurance, or from the insurance of whoever was responsible for causing the accident.

In the case of regular breakdowns, mechanical or electrical failures, flat tyres or lost keys, these are not counted as "damage" and again you would not be charged for these sorts of incidents.


I read that as if, the tyre bursts and damages (say) the wheelarch, The Patrol may decide that the damage is in his opinion, accident damage, they will regard your difficulty as an accident. So any relay that they provide will be charged for at commercial rates. I specifically wanted to know because in the past I have collected two punctures by two wheels running over the same sharp object. In my case I was able to rectify my own situation. However as I am now nearing my 70th birthday, I wanted to know what would happen if the same circumstance occured again whilst I was driving my MH. At this point I should say that the reason I took out cover was so that a younger man might change my wheels for me.

I was shocked to see that the AA in particular (and I am told the same goes for the RAC) will not relay a vehicle which has "accident" damage. They will call in a commercial recoverer and leave to make your own arrangements with him, or reimburse him from their funds and charge you later.

It all depends on what in the opinion of the patrol sent out to you is "significant" damage. It may be worth checking your own policy.

I use Green Flag and they are great and at a fab price too, when compared to the RAC or AA. I do not like the service attitude of the AA or RAC and the membership cost is prohibitive.

Only had 5 star treatment , courtesy and expertise from GreenFlag, plus you get £10 if they do not turn up within 60 minutes.
 
I am with the german ADAC. Haven't asked about Motorhomes yet but hope I will not get bad news.
 
I use Green Flag and they are great and at a fab price too, when compared to the RAC or AA. I do not like the service attitude of the AA or RAC and the membership cost is prohibitive.

Only had 5 star treatment , courtesy and expertise from GreenFlag, plus you get £10 if they do not turn up within 60 minutes.

Can you tell me what level of cover you have and how much it cost please.

I am asking because I am changing my insurance company (the renewal price is too high with my present one). I thought getting Green Flag independantly might be worth doing. I ticked the Premium + box and got a quote of over £95 for breakdown and recovery which I thought was expensive.
 
So what is the situation with Green Flag if you have an accident?

I remember the AA always used to recover you as part of the service if you had an accident, or say for example a puncture resulted in an accident which caused other damage.

So far as I can see these motoring organisations are all now nothing but disguised insurance companies, who are desperate to get out of paying for any claim the same as any other insurance. Since we can all probably afford the cost of recovery, it is perhaps a loss we shouldn't bother insuring as in pure financial terms, it doesn't make sense to pay for insurance where you can cover the loss.

If everyone started doing that, it would make the AA and Co, sit upright and focus their minds on providing a service like they used to.
 
My insurance through Comfort includes RAC commercial recovery for all of Europe for as many trips and as long as you like. I don't know what the accident recovery is but woould hope that as the vehicle and insurance are on the same policy one or the other would cover the cost.
 

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