Omega Owners Forum
Chat Area => General Car Chat => Topic started by: pscocoa on 27 May 2014, 12:53:14
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I was going to add this post to the running multiple cars thread but it may warrant separate consideration.
I have AA cover with the Bank which is driver based so no need for separate cover but there is obviously an account fee which for the purpose of this post I will say is £17.50 a month. The cover applies to my wife and myself
If I go for a vehicle based policy as opposed to driver based then obviously with 5 insured drivers on each car there is more piece of mind for any insured driver of the car. I can get the Insignia and Omega on good home start cover with long distance recovery and courtesy car for £99 per year the pair. This leaves the Phaeton with VW Assistance and European Recovery and Accommodation at £125 per year.
Is the decision what to do in future really as broad as it is long??
Banks have been heavily criticised for these monthly account fees - eg mobile phone insurance which is now quite limited compared to the insurance offered by EE, and I get Travel Insurance through work etc but these deal may make sense for some.
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I do the same. Joint account with doubled benefits. Phone and breakdown cover are the 2 that make it worthwhile for me. Plus lots more should I want it. I know the cover is basic. But adequate. If I need to pay for a long recovery for example I know I've more than saved enough to pay for it by not having separate cover. Used the AA via the bank once. Quick turn around and job done. I also only pay £7 a month for all this lot :-)
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My mum pays for a bank account as its the cheapest way for her to get travel insurance. So there are advanatges to bank account perks for some, *IF* the perks exactly meet your requirements.
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So as long as you maintain the car correctly, I've never had break down cover.
Then again I usually replace engine sensor parts when I think they need replacing for piece of mind, I can get bosch parts far cheaper than vauxhall sell, direct from the manufacturer from a guy who has a bosch account and puts a lot of business bosch's way, hence the discount.
Again down to personal experience and personal opinion.
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My mum pays for a bank account as its the cheapest way for her to get travel insurance. So there are advanatges to bank account perks for some, *IF* the perks exactly meet your requirements.
Although the travel insurance is a bit basic in experience and not something I would use if going outside of Europe.
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My mum pays for a bank account as its the cheapest way for her to get travel insurance. So there are advanatges to bank account perks for some, *IF* the perks exactly meet your requirements.
Although the travel insurance is a bit basic in experience and not something I would use if going outside of Europe.
Indeed. My Mum broke her leg during a trip to Cambodia about 10 years ago and the final bill was around the £50,000 mark! :o
That included a night in a clinic in Siem Reap (Cambodia), air ambulance to Bangkok where she had an operation to pin her leg back together, a week in Bangkok General, a business class flight back to UK and transport home from Heathrow, accompanied all the way by a nurse. :y
Luckily she had good insurance and from the first contact they swung into action and organised everything! 8) Travel insurance is not something to skimp on! ;) :)
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My mum pays for a bank account as its the cheapest way for her to get travel insurance. So there are advanatges to bank account perks for some, *IF* the perks exactly meet your requirements.
Although the travel insurance is a bit basic in experience and not something I would use if going outside of Europe.
Not the one she has. Her bank keeps suggesting to her to move to an account with a slightly cheaper monthly fee, but that has relatively poor travel insurance. I think the one she has doesn't cover things like winter sports though, not that a woman of her age would be looking to take up snowboarding ;D. Mind you, she never fails to surprise me ;D