breakdown cover - hitting a pot hole... Are you covered?
Discussion
well it depends on who you are with!
Interesting conversations with the AA and the RAC...
coming home the other night we came across a car on a dangerous bend. She had hit a pot hole and damaged the wheel and tyre badley. No spare wheel on the Mini.
It got me thinking... I have been with the AA for years so I asked them the simple question...
"If I hit a pot hole with my car and it damages the wheel and tyre, will you recover me and the car home? The car does not come with a spare wheel."
The AA said no, they class it as an accident and you would be covered under your car insurance.
The RAC said no problem, we will recover you.
so bear this in mind when your renew your breakdown cover, especially with the state of the roads!
Interesting conversations with the AA and the RAC...
coming home the other night we came across a car on a dangerous bend. She had hit a pot hole and damaged the wheel and tyre badley. No spare wheel on the Mini.
It got me thinking... I have been with the AA for years so I asked them the simple question...
"If I hit a pot hole with my car and it damages the wheel and tyre, will you recover me and the car home? The car does not come with a spare wheel."
The AA said no, they class it as an accident and you would be covered under your car insurance.
The RAC said no problem, we will recover you.
so bear this in mind when your renew your breakdown cover, especially with the state of the roads!
The RAC recovered me after I took the sidewall out of a tyre on a pothole, though they patrol did say something about being careful how you report it to the call centre.
A pothole puncture is really no different to a puncture from a nail - the car has driven over something in the road which shouldn't be there and the tyre has gone down. It certainly shouldn't be classified as an accident, though as with any insurance its worth checking the small print.
What they won't cover is damage to the tyre caused by driver error - if you clip a kerb on a corner for example as that is a minor accident.
A pothole puncture is really no different to a puncture from a nail - the car has driven over something in the road which shouldn't be there and the tyre has gone down. It certainly shouldn't be classified as an accident, though as with any insurance its worth checking the small print.
What they won't cover is damage to the tyre caused by driver error - if you clip a kerb on a corner for example as that is a minor accident.
Not a damaged wheel but I had a similar incident years ago.
driving along and hit a pothole so deep that I bottomed the car out and cracked the sump resulting in oil leaking out. Called the AA, told them the situation only to be told that it was classed as a "road accident" and that I would not be recovered. I argued that there was no accident and that it was the state of the road condition that caused the damage. They wouldn't have it. had to call a private recovery service to get home
driving along and hit a pothole so deep that I bottomed the car out and cracked the sump resulting in oil leaking out. Called the AA, told them the situation only to be told that it was classed as a "road accident" and that I would not be recovered. I argued that there was no accident and that it was the state of the road condition that caused the damage. They wouldn't have it. had to call a private recovery service to get home
STe_rsv4 said:
Not a damaged wheel but I had a similar incident years ago.
driving along and hit a pothole so deep that I bottomed the car out and cracked the sump resulting in oil leaking out. Called the AA, told them the situation only to be told that it was classed as a "road accident" and that I would not be recovered. I argued that there was no accident and that it was the state of the road condition that caused the damage. They wouldn't have it. had to call a private recovery service to get home
this is why I will use the RAC or green Flag in future...driving along and hit a pothole so deep that I bottomed the car out and cracked the sump resulting in oil leaking out. Called the AA, told them the situation only to be told that it was classed as a "road accident" and that I would not be recovered. I argued that there was no accident and that it was the state of the road condition that caused the damage. They wouldn't have it. had to call a private recovery service to get home
they are no quibble...
sixor8 said:
Your car insurance, if it is one of the 'budget' fully comp policies may also not recover after an accident,
Can you say which insurer won't recover your undrivable vehicle following an accident, if you have comp cover? I'm not aware of any insurer that doesn't cover that, even the cheapo ones. SkodaIan said:
The RAC recovered me after I took the sidewall out of a tyre on a pothole, though they patrol did say something about being careful how you report it to the call centre.
A pothole puncture is really no different to a puncture from a nail - the car has driven over something in the road which shouldn't be there and the tyre has gone down. It certainly shouldn't be classified as an accident, though as with any insurance its worth checking the small print.
What they won't cover is damage to the tyre caused by driver error - if you clip a kerb on a corner for example as that is a minor accident.
I hit a kerb when going through one of those traffic calming things and took out two tyres. The AA came out, removed the two wheels, took me and them to Kwik Fit to get new tyres, then drove me back and fitted the wheels.A pothole puncture is really no different to a puncture from a nail - the car has driven over something in the road which shouldn't be there and the tyre has gone down. It certainly shouldn't be classified as an accident, though as with any insurance its worth checking the small print.
What they won't cover is damage to the tyre caused by driver error - if you clip a kerb on a corner for example as that is a minor accident.
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