Who's best/best value for breakdown cover?
Discussion
Just had a quote from my insurance company, £57 for breakdown cover including up to six call outs, two of which can be home start, and recovering the car back home if can't be fixed where is.
No idea if that's good, bad or indifferent.
Anyone got any good suggestions or thoughts on prices?
No idea if that's good, bad or indifferent.
Anyone got any good suggestions or thoughts on prices?
Use your bank (Barclays = Additions active, Lloyds TSB = Platinum, etc)
i pay £15/month and get full RAC breakdown cover including home start which covers me not just my car. (Actually covers me and my other half seperately as its a joint account.)
Ontop you get other benefits, mobile phone isurance, and if use a few of the extras you get, you will be quids in.
i pay £15/month and get full RAC breakdown cover including home start which covers me not just my car. (Actually covers me and my other half seperately as its a joint account.)
Ontop you get other benefits, mobile phone isurance, and if use a few of the extras you get, you will be quids in.
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Depends if your car is reliable. the bank account cover usually has a 3 fallout per 12 rolling month limit.
I opt for RAC Caus the AA let me down once. its about 60 a year, can't remember exactly how much I pay tho. It is worth haggling though, as they are fiercely competitive, and one won't want to loose you to the other.
Depends if your car is reliable. the bank account cover usually has a 3 fallout per 12 rolling month limit.
I opt for RAC Caus the AA let me down once. its about 60 a year, can't remember exactly how much I pay tho. It is worth haggling though, as they are fiercely competitive, and one won't want to loose you to the other.
One thing to note, make sure of what your breakdown policy covers if it's via the bank account.
Some of the lesser a/c's only have roadside cover, and no recovery option attached. I've been out to a large number of people that have had to pay extra to get towed home when they haven't checked the entitlements.
Some of the lesser a/c's only have roadside cover, and no recovery option attached. I've been out to a large number of people that have had to pay extra to get towed home when they haven't checked the entitlements.
another vote for Autoaid - cost about £20 a year or similar for full cover for myself and my wife in any vehicle.
You pay the recovery person and then claim back from Autoaid for the full amount - I had to use them on the very first day of my policy a couple of years ago, vehicle recovered about 100 miles, cost about £300 so put that on a credit card, then put in a claim and got a cheque for the whole amount back in a couple of days, so very impressed and have had their cover since.
The only downside I can see is if you don't have a credit card to pay with so you'd be out of pocket for the recovery costs for a few days until your claim goes through.
You pay the recovery person and then claim back from Autoaid for the full amount - I had to use them on the very first day of my policy a couple of years ago, vehicle recovered about 100 miles, cost about £300 so put that on a credit card, then put in a claim and got a cheque for the whole amount back in a couple of days, so very impressed and have had their cover since.
The only downside I can see is if you don't have a credit card to pay with so you'd be out of pocket for the recovery costs for a few days until your claim goes through.
lost in espace said:
autoaid.
Funnily enough I looked at them this morning. I don't like the "pay and claim back" style though.I've gotten quotes for roadside assistance, the basic level of cover, this morning for myself i.e. covering me in any vehicle.
Prices were £38 from the RAC, £43 from the AA.
Stepping it up to 'Recovery' (i.e. recovery to any UK address) the cost was £73 from the RAC and £72 from the AA.
Greenflag was very expensive, about 50% more than both the AA/RAC for the basic cover and double the cost for the Recovery service.
Confused.com has a lot of cheap quotes from companies I've never heard of.
I will be going with the RAC.
With reference to the bank inclusive deals, these often work out as poor value. The only advantage is that it is bundled and you don't need separate policies and that you pay monthly.
AshRS250 said:
Use your bank (Barclays = Additions active, Lloyds TSB = Platinum, etc)
i pay £15/month and get full RAC breakdown cover including home start which covers me not just my car. (Actually covers me and my other half seperately as its a joint account.)
Ontop you get other benefits, mobile phone isurance, and if use a few of the extras you get, you will be quids in.
Have you checked how much the same level of cover works out at PA if you buy direct just out of interest? £180 a year isn't cheap or competitive; I pay just over £100 for all singing, all dancing cover. i pay £15/month and get full RAC breakdown cover including home start which covers me not just my car. (Actually covers me and my other half seperately as its a joint account.)
Ontop you get other benefits, mobile phone isurance, and if use a few of the extras you get, you will be quids in.
Also, best and best value rarely go hand in hand when it comes to breakdown cover.
I'd rather pay top dollar for comprehensive cover with a reputable provider for quick service. Some of these cheap ones subcontract out to mickey mouse outfits who offer a far from efficient, competent or caring service.
I've lost count of the number of horror stories I've heard about 'cheap' breakdown cover, most of which make paying a few quid more seem like a bloody good idea. In hindsight.
Any cheap insurances have a habit of rearing an ugly side when you really need them most.
I'd rather pay top dollar for comprehensive cover with a reputable provider for quick service. Some of these cheap ones subcontract out to mickey mouse outfits who offer a far from efficient, competent or caring service.
I've lost count of the number of horror stories I've heard about 'cheap' breakdown cover, most of which make paying a few quid more seem like a bloody good idea. In hindsight.
Any cheap insurances have a habit of rearing an ugly side when you really need them most.
bazking69 said:
Also, best and best value rarely go hand in hand when it comes to breakdown cover.
I'd rather pay top dollar for comprehensive cover with a reputable provider for quick service. Some of these cheap ones subcontract out to mickey mouse outfits who offer a far from efficient, competent or caring service.
I've lost count of the number of horror stories I've heard about 'cheap' breakdown cover, most of which make paying a few quid more seem like a bloody good idea. In hindsight.
Any cheap insurances have a habit of rearing an ugly side when you really need them most.
both the AA and RAC sub-contract out I'd rather pay top dollar for comprehensive cover with a reputable provider for quick service. Some of these cheap ones subcontract out to mickey mouse outfits who offer a far from efficient, competent or caring service.
I've lost count of the number of horror stories I've heard about 'cheap' breakdown cover, most of which make paying a few quid more seem like a bloody good idea. In hindsight.
Any cheap insurances have a habit of rearing an ugly side when you really need them most.
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