Breakdown cover with insurance or current account question
Discussion
My car insurance is up for renewal on 19/11, It has gone up from £32 p/m to £39, but I've noticed I have no add-ons with them, it's just the very basic (fully comp) policy.
Just had a look at some renewals and I can either bring it down to £30, or, have all the bells and whistles including legal, courtesy car, and breakdown cover as well and still only pay £39.
I have been an RAC member for 7 years, never taken any notice of it but when I just checked what I was paying it is actually £38 per month!
I have also got a nationwide flexplus account which is £13 a month, I have just remembered that you get breakdown cover with this, which I believe is with the AA.
I was going to cancel the RAC cover and just take it with the new car insurance policy, effectively saving myself £38 per month, but..
Do I even need to do that? Is the Nationwide cover any good? does anyone just rely on that?
I know it seems like a daft question, but because I've been paying £38 for RAC, it kind of seems too good to be true, and maybe the current account cover is crap and it is worth doubling up with the insurance, or not?
Just had a look at some renewals and I can either bring it down to £30, or, have all the bells and whistles including legal, courtesy car, and breakdown cover as well and still only pay £39.
I have been an RAC member for 7 years, never taken any notice of it but when I just checked what I was paying it is actually £38 per month!
I have also got a nationwide flexplus account which is £13 a month, I have just remembered that you get breakdown cover with this, which I believe is with the AA.
I was going to cancel the RAC cover and just take it with the new car insurance policy, effectively saving myself £38 per month, but..
Do I even need to do that? Is the Nationwide cover any good? does anyone just rely on that?
I know it seems like a daft question, but because I've been paying £38 for RAC, it kind of seems too good to be true, and maybe the current account cover is crap and it is worth doubling up with the insurance, or not?
Pent said:
i have the same bank account for the perks.
haven't had to rely on it yet though
Policy doc here seems to suggest to a place of your choice, so maybe I'm overthinking it:haven't had to rely on it yet though
https://www.nationwide.co.uk/-/assets/nationwideco...
Deesee said:
Ive got the Lloyds bank account/breakdown cover (AA) 20+ yrs, covers me, any car and any member of family (household as driver or passenger). No complaints and 3/5 call outs.
Good to know thank you, I would imagine the cover is near identical as well.Think I will just cancel the RAC and also save a few quid per month switching insurance.
Berger 3rd said:
Pent said:
i have the same bank account for the perks.
haven't had to rely on it yet though
Policy doc here seems to suggest to a place of your choice, so maybe I'm overthinking it:haven't had to rely on it yet though
https://www.nationwide.co.uk/-/assets/nationwideco...
Berger 3rd said:
Deesee said:
Ive got the Lloyds bank account/breakdown cover (AA) 20+ yrs, covers me, any car and any member of family (household as driver or passenger). No complaints and 3/5 call outs.
Good to know thank you, I would imagine the cover is near identical as well.Think I will just cancel the RAC and also save a few quid per month switching insurance.
Berger 3rd said:
I know it seems like a daft question, but because I've been paying £38 for RAC, it kind of seems too good to be true, and maybe the current account cover is crap and it is worth doubling up with the insurance, or not?
More like you've been absolutely mugged at paying £450 a year for breakdown cover. Previously I've been using Autoaid at £40-60 a year but they have age restrictions in place now so I have now opened the Nationwide account in question. Not had to use it yet but others who have haven't had any complaints.Shaoxter said:
More like you've been absolutely mugged at paying £450 a year for breakdown cover. Previously I've been using Autoaid at £40-60 a year but they have age restrictions in place now so I have now opened the Nationwide account in question. Not had to use it yet but others who have haven't had any complaints.
Yep, I've been a complete idiot. I just never paid attention to it or the renewals, and I didn't take the Nationwide account for the breakdown cover so kind of forgot it was a feature until now. I've never even used the RAC cover in 7 years, which makes it even worse!(I will breakdown tomorrow now)
I've had the Nationwide account for a while, I've made one claim and that was for a stolen iPhone, it was replaced quickly with a brand new identical phone.
Deesee said:
Ive got the Lloyds bank account/breakdown cover (AA) 20+ yrs, covers me, any car and any member of family (household as driver or passenger). No complaints and 3/5 call outs.
Same here. Used it probably every other year, had home start, recovery to home and to a nearby garage. Reassuring that it covers the person rather than the car, albeit it’s always been my crappy older cars that I’ve needed it for.There’s also phone insurance (not worth it) and travel insurance (thankfully not needed but believe it may be rather basic).
Berger 3rd said:
I have been an RAC member for 7 years, never taken any notice of it but when I just checked what I was paying it is actually £38 per month!
I have also got a nationwide flexplus account which is £13 a month, I have just remembered that you get breakdown cover with this, which I believe is with the AA.
I have unfortunately used the Nationwide cover many times over the years for motorbikes and cars and the service has been great, the main benefit for me of the Flexplus account is they don't question how old the car is, they also cover Europe and home start. Worth the monthly fee to me (as is their mobile phone cover).I have also got a nationwide flexplus account which is £13 a month, I have just remembered that you get breakdown cover with this, which I believe is with the AA.
That said, i've never had the AA come out, always been a local company.
- edited to say, 'unfortunately due to the breakdown, not the service!'
A word of caution with the bank account policies... The AA/RAC policy is not (generally) recovery. If you need recovering somewhere then you get stung for a call out charge of about £140 then a ppm charge.
The AA guy explained this when I had to use them earlier this year. He said a lot of people don't realize when they sign up with their bank.
Luckily he got me started and followed me to the garage. Top service from AA too. I was really impressed.
Easy to use app where you can track the driver to see ETA.
OP, what was your policy if paying £34 a month?
The AA guy explained this when I had to use them earlier this year. He said a lot of people don't realize when they sign up with their bank.
Luckily he got me started and followed me to the garage. Top service from AA too. I was really impressed.
Easy to use app where you can track the driver to see ETA.
OP, what was your policy if paying £34 a month?
remedy said:
A word of caution with the bank account policies... The AA/RAC policy is not (generally) recovery. If you need recovering somewhere then you get stung for a call out charge of about £140 then a ppm charge.
The AA guy explained this when I had to use them earlier this year. He said a lot of people don't realize when they sign up with their bank.
Luckily he got me started and followed me to the garage. Top service from AA too. I was really impressed.
Easy to use app where you can track the driver to see ETA.
OP, what was your policy if paying £34 a month?
I'm not sure the Nationwide policy, its not something i've personally experienced (apologies if you're referring to other bank account policies).The AA guy explained this when I had to use them earlier this year. He said a lot of people don't realize when they sign up with their bank.
Luckily he got me started and followed me to the garage. Top service from AA too. I was really impressed.
Easy to use app where you can track the driver to see ETA.
OP, what was your policy if paying £34 a month?
Small print here.
https://www.nationwide.co.uk/-/assets/nationwideco...
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