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Author Topic: Insurance and breakdown  (Read 3011 times)

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dave the builder

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Insurance and breakdown
« on: 17 May 2019, 20:42:40 »

Tomorrow it will be a year since i started driving the Omega ,so time to find replacement insurance
Got a renewal offer off the AA for over £300  :( which I ignored  ;D

few days later they send an email "guarantee to match any like for like quote"  ::)

so I went on a rodent infested comparison site

increased the value to £2500 , all other details remain the same
I had quotes as low as £200 ,but found one with legal assistance,personal accident,courtesy car and basic breakdown and many more extras i won't use  ;D  for £233

phoned the AA , who said they will match it ,but I would have to pay £28 extra for legal protection and breakdown would be extra on top  >:(
their reason for not price matching "guarantee to match any like for like quote"
The quote I found was not "like for like" because my old policy did not have breakdown or legal protection (I have auto-aid for breakdown anyway and plenty of ambulance chaser companies will help me in event of a not my fault accident)
so, they refused to match .
 I was comparing a much better policy than they where prepared to offer .

I now have a new insurer  :)


also up for renewal is my auto aid breakdown £48
offers better cover that what is included in insurance (max 15 miles recovery) so I will renew Auto-aid   :)

£70 saved ,which is 3/4 of a tank of GOGO juice  ;D

the reason my Quotes are so high is because I'm still young by the way  ;)




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Bigron

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Re: Insurance and breakdown
« Reply #1 on: 17 May 2019, 21:44:22 »

Yeah Dave; and I'm only 29, which is why they charge me so much!  :(

Ron.
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dave the builder

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Re: Insurance and breakdown
« Reply #2 on: 17 May 2019, 21:50:10 »

Yeah Dave; and I'm only 29, which is why they charge me so much!  :(

Ron.
says more than that on your profile Ron  :-\

I'm 49 but had a hard paper round as a kid  :D ;D
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Bigron

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Re: Insurance and breakdown
« Reply #3 on: 17 May 2019, 21:54:15 »

My profile has been hacked..... :-[

Ron.
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ronnyd

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Re: Insurance and breakdown
« Reply #4 on: 17 May 2019, 22:11:31 »

My profile has been hacked..... :-[

Ron.
There,s denial and there,s delusional Ron lad. :-*
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TheBoy

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Re: Insurance and breakdown
« Reply #5 on: 18 May 2019, 09:36:53 »

I just paid one of the 2 well known national breakdown companies £100 for 15 months cover.  Cover is the personal type, so covers any car, and includes national recovery.

Its unlikely we'd ever use it, as I'd probably just tow her home anyway, but with Mrs TB blatting up and down the motorway every day, and me being away for work a lot, its just piece of mind...
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dave the builder

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Re: Insurance and breakdown
« Reply #6 on: 18 May 2019, 10:08:52 »

Having now skimmed through the insurance docs, breakdown cover is RAC roadside,recovery within 15 miles and miss fueling.
Auto aid recovers further afield ,so that's covered, plus we have some sort of breakdown cover via bank account ,never looked into that  ::)

too much cover but as you say " its just piece of mind..."
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Nick W

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Re: Insurance and breakdown
« Reply #7 on: 18 May 2019, 10:20:24 »

I've mentioned this before, but I've done a lot of jobs for Auto Aid. Every one of them involved arguments with them about what work they would authorise. Often we(both the company I worked for, and Auto Aid's customer) spent more time arguing than actually doing the recovery!


There is no way I would rely on any of the smaller companies for what is emergency help.


Finally, 15mile recovery isn't enough. Upgrade to national, or don't bother having it.
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TheBoy

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Re: Insurance and breakdown
« Reply #8 on: 18 May 2019, 10:25:34 »

Only time I've used breakdown (personally, and not in works vehicles) is when the Bullet died in France in 2005.  I think the company was Euro Assist?  I know at the time, the forums gave them bad press, but I couldn't rate them higher.
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dave the builder

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Re: Insurance and breakdown
« Reply #9 on: 18 May 2019, 10:31:39 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.
I should look at the bank account cover, to see what that covers
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Nick W

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Re: Insurance and breakdown
« Reply #10 on: 18 May 2019, 10:39:01 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.



But then you're still stuck miles from home with a broken car.


ALL I've ever wanted from my breakdown cover(long before I did it for a living) is to make a phonecall and know I and the car are going to get home. The bigger providers do just that. Considering what the recovery should cost, a years cover is seriously underpriced, even if you don't haggle.
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Re: Insurance and breakdown
« Reply #11 on: 18 May 2019, 10:53:00 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.
I should look at the bank account cover, to see what that covers
This is ours, Dave, with Barclays:

https://www.barclays.co.uk/insurance/travel-insurance/travel-pack/
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dave the builder

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Re: Insurance and breakdown
« Reply #12 on: 18 May 2019, 11:06:30 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.
I should look at the bank account cover, to see what that covers
This is ours, Dave, with Barclays:

https://www.barclays.co.uk/insurance/travel-insurance/travel-pack/
Thanks Uncle Stemo  :)
you prompted me to google (Lloyds platinum)
AA Roadside Assistance,relay and homestart and accident Management
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Doctor Gollum

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Re: Insurance and breakdown
« Reply #13 on: 18 May 2019, 12:03:13 »

Accident management is worth the account fee on its own :y
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BazaJT

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Re: Insurance and breakdown
« Reply #14 on: 18 May 2019, 18:08:17 »

I've got the same bank account cover as you dtb.I used to pay separately for AA cover for many years before this bank account idea came about,so when I renew my car insurance I always decline the breakdown and courtesy car extra cost options.I'll have to look into multi car insurance prices rather than having three separate policies to see which works out cheapest.
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dave the builder

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Re: Insurance and breakdown
« Reply #15 on: 18 May 2019, 18:41:47 »

Accident management is worth the account fee on its own :y
Is that a dig at my driving  :( It was the buckets fault  ;D :D


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Lizzie Zoom

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Re: Insurance and breakdown
« Reply #16 on: 18 May 2019, 18:46:49 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.
I should look at the bank account cover, to see what that covers
This is ours, Dave, with Barclays:

https://www.barclays.co.uk/insurance/travel-insurance/travel-pack/
Thanks Uncle Stemo  :)
you prompted me to google (Lloyds platinum)
AA Roadside Assistance,relay and homestart and accident Management


Having been with the AA most of my motoring life I would highly recommend that package Dave.

The only time I was with another breakdown provider, the RAC, when the new company Carlton came with the membership, they let me down after the cam belt went prematurely.

Another time, when I was with the AA my first Omega broke down in Manchester and for some reason Green Flag got involved at the request of the AA.  It was a nightmare, until the AA took the job back on and relayed us all back over 100 miles. The AA agreed to refund my membership costs, plus give compensation, for the initial poor service.  Apart from that, every time I have needed the AA over 40 years they have been great! :y
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dave the builder

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Re: Insurance and breakdown
« Reply #17 on: 18 May 2019, 18:47:46 »

I've got the same bank account cover as you dtb.I used to pay separately for AA cover for many years before this bank account idea came about,so when I renew my car insurance I always decline the breakdown and courtesy car extra cost options.I'll have to look into multi car insurance prices rather than having three separate policies to see which works out cheapest.
:y
How is the new Volvo Mr Baza ?
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dave the builder

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Re: Insurance and breakdown
« Reply #18 on: 18 May 2019, 18:59:08 »

I remember you saying that auto aid was a PITA Nick, other OOFers have said it's good,
15 miles with RAC would get me(or more importantly Mrs Builder) off the motorway and out of danger.
I should look at the bank account cover, to see what that covers
This is ours, Dave, with Barclays:

https://www.barclays.co.uk/insurance/travel-insurance/travel-pack/
Thanks Uncle Stemo  :)
you prompted me to google (Lloyds platinum)
AA Roadside Assistance,relay and homestart and accident Management


Having been with the AA most of my motoring life I would highly recommend that package Dave.

The only time I was with another breakdown provider, the RAC, when the new company Carlton came with the membership, they let me down after the cam belt went prematurely.

Another time, when I was with the AA my first Omega broke down in Manchester and for some reason Green Flag got involved at the request of the AA.  It was a nightmare, until the AA took the job back on and relayed us all back over 100 miles. The AA agreed to refund my membership costs, plus give compensation, for the initial poor service.  Apart from that, every time I have needed the AA over 40 years they have been great! :y
The only time in over 30 years in driving, I needed recovery was 20+ years ago(en route to a camping holiday, car full of family and gear) in a volvo 340 ,torque tube let go , not the sort of job to do at the roadside , pushed it 100 yards into a services.
I went to a petrol station, got the yellow pages, phoned a local company who dropped us at a local pub with camping facilities  :) took the volvo ,sourced the part, fixed it and dropped it back the same day .  :)
 that's what I call service  ;D
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dave the builder

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Re: Insurance and breakdown
« Reply #19 on: 18 May 2019, 19:16:48 »

I sold the Volvo , Moved to My first Carlton

and one thing leads to another  :-[  ;D



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Re: Insurance and breakdown
« Reply #20 on: 18 May 2019, 19:43:48 »

I sold the Volvo , Moved to My first Carlton

and one thing leads to another  :-[  ;D



Is that a Vauxhall Diplomat at the front of the row Dave?  The wheels seem to be from one, but I am confused by the "CD" badge, as that model was usually "Diplomat" as there was on the boot lid edge ;)
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dave the builder

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Re: Insurance and breakdown
« Reply #21 on: 18 May 2019, 20:16:31 »

Good eye/memory Lizzie  :)
they are Diplomat wheels  :y
on what was my daily drive until exactly one year ago today  ;)
  A late facelift Carlton 2.0 CDi with all the pedals  8)
I fitted Diplomat wheels because they are easy to keep clean  ;D
unlike the CDi cross spokes ,which the new owner of My Carlton has (stayed with the car as he was a collector), plus a set of wolfrace alloys

My collection of "dippy" wheels went to another Carlton enthusiast, who had steel wheeled Carlton Diesel , also a daily driver  :)
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Lizzie Zoom

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Re: Insurance and breakdown
« Reply #22 on: 18 May 2019, 20:26:50 »

Good eye/memory Lizzie  :)
they are Diplomat wheels  :y
on what was my daily drive until exactly one year ago today  ;)
  A late facelift Carlton 2.0 CDi with all the pedals  8)
I fitted Diplomat wheels because they are easy to keep clean  ;D
unlike the CDi cross spokes ,which the new owner of My Carlton has (stayed with the car as he was a collector), plus a set of wolfrace alloys

My collection of "dippy" wheels went to another Carlton enthusiast, who had steel wheeled Carlton Diesel , also a daily driver  :)

 :y :y
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BazaJT

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Re: Insurance and breakdown
« Reply #23 on: 19 May 2019, 08:06:47 »

New Volvo is absolutely fine thank you.Surprisingly sprightly for a big car and handles the twisty bits pretty well too.Oddly the one thing I miss on it[both the V70 and Omega have one]is a trip computer :-[ The V70 still looking like a shed[at least it was at the end of March when I "borrowed" it back from stepdaughter-the saga of her Meriva continues :o]continues to provide sterling service-I hope :D and the Omega resides in it's garage awaiting my having the time to sort its present running issue :'(
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Re: Insurance and breakdown
« Reply #24 on: 19 May 2019, 09:55:03 »

I sold the Volvo , Moved to My first Carlton

and one thing leads to another  :-[  ;D



Mr builder, there seem to be Large portable buildings in the area, the sort were retired pikey types live, From your posts, I'm assuming your mother old-retired or a a caravan dwelling type. ;)
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dave the builder

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Re: Insurance and breakdown
« Reply #25 on: 19 May 2019, 10:25:35 »


Mr builder, there seem to be Large portable buildings in the area, the sort were retired pikey types live, From your posts, I'm assuming your mother old-retired or a a caravan dwelling type. ;)
My 3 Carltons ,parked on my mates 2nd home driveway  ,where i stored the 2 I was not driving at the time . it was indeed a retirement pikey park type place .
My Mum lives in a real 4 bed house,made of bricks  :y
 not a cardboard pikey palace  :P
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