EU Insurance and breakdown cover.
Discussion
My Insurance is now due for my Griff 500. Its a 'P' reg car, 50K miles and in good order.
I have found a sensible deal for the regular comprehensive insurance that I am 'comfortable' with, BUT......
As I like to take my car abroad, I am now having some problems getting a sensible deal for the EU breakdown cover.
I have looked at the main websites ( RAC etc) and sue to gthe cars age, they want an extra £100 (or similar) to give breakdown / recovery / assistance cover ON TOP of the regular fees that are in the region of £200.
Any suggestions or pointers from the PH massive ?? Any specialist companies that cover cherished cars etc ??
Any first hand experience with their services too ??
All advice appreciated.
I have found a sensible deal for the regular comprehensive insurance that I am 'comfortable' with, BUT......
As I like to take my car abroad, I am now having some problems getting a sensible deal for the EU breakdown cover.
I have looked at the main websites ( RAC etc) and sue to gthe cars age, they want an extra £100 (or similar) to give breakdown / recovery / assistance cover ON TOP of the regular fees that are in the region of £200.
Any suggestions or pointers from the PH massive ?? Any specialist companies that cover cherished cars etc ??
Any first hand experience with their services too ??
All advice appreciated.
I did specifically ask about the details of Eu recovery and breakdown cover. Mannings will NOT cover the car abroad due to being over 16 yrs old.
Other companies also have an age limit and if they will cover, they charge a supplement.
Ivanhoe : I'll investigate the specialist.....Thanks.
Other companies also have an age limit and if they will cover, they charge a supplement.
Ivanhoe : I'll investigate the specialist.....Thanks.
Many insurers seem to be operating a 16 year old cut off policy on Euro breakdown cover & insurance.
If your car is 16 years old or more they often will not offer the breakdown element at any price.
If you approach the AA & RAC they may offer breakdown cover but the price goes through the roof when your car passes it's 16th birthday.
The solution is a decent classic car policy.
You typically lose out on NCB & track day cover, but if the Euro breakdown is what you want a classic policy is definitely the way forward.
In my experience the NCB issue is irrelevant on our cars anyway; bonus, discount... my hat, it all comes down to number of past claims, cost of the claim & your driver record (DD, disqualifications ect).
When buying car insurance you should always ask yourself these three questions, & in this order:
1) The package, does the policy suit me & what I want from it?
2) The service, will your insurer/broker look after you properly if the s
t hits the fan?
3) Price, am I buying the right policy for me at a market competitive price
In my opinion too many people put price at the top of their list when choosing car insurance and then forget the other two key deciders.
REMEMBER, YOU BUY CAR INSURANCE TO GET YOU OUT OF TROUBLE SHOULD YOU BE UNLUCKY ENOUGH TO HAVE AN ACCIDENT OR BREAKDOWN.
If you buy a policy on price only & then need to claim, that smug feeling of saving yourself £50 - £100 will soon be forgotten if you end up finding out your insurer is a professional non-payer (as many are).
I have a 5,000 mile classic type policy purchased from MSM that gives me UK & full Euro cover including the all important breakdown element that includes repatriation of driver, passenger & vehicle to your chosen UK address.
I managed to swing class 1 business use too so I can visit my clients in the TVR when the sun shines, and all this with a realistic excess.
My modifications are noted but never charged for, & there is zero loading for penalty points.
Every year I test the market, every year MSM are the cheapest.
The killer punch is not only are they cheapest, but MSM provide my ideal package, I dont track my car but I am very much a serial Euro touring TVR owner.
I have had one "not at fault" claim since being with MSM & they were absolutely fantastic, so while the price is great the service is too.
Give MSM a call, highly recommended:
http://www.msminsurance.co.uk/
If your car is 16 years old or more they often will not offer the breakdown element at any price.
If you approach the AA & RAC they may offer breakdown cover but the price goes through the roof when your car passes it's 16th birthday.
The solution is a decent classic car policy.
You typically lose out on NCB & track day cover, but if the Euro breakdown is what you want a classic policy is definitely the way forward.
In my experience the NCB issue is irrelevant on our cars anyway; bonus, discount... my hat, it all comes down to number of past claims, cost of the claim & your driver record (DD, disqualifications ect).
When buying car insurance you should always ask yourself these three questions, & in this order:
1) The package, does the policy suit me & what I want from it?
2) The service, will your insurer/broker look after you properly if the s
t hits the fan?3) Price, am I buying the right policy for me at a market competitive price
In my opinion too many people put price at the top of their list when choosing car insurance and then forget the other two key deciders.
REMEMBER, YOU BUY CAR INSURANCE TO GET YOU OUT OF TROUBLE SHOULD YOU BE UNLUCKY ENOUGH TO HAVE AN ACCIDENT OR BREAKDOWN.
If you buy a policy on price only & then need to claim, that smug feeling of saving yourself £50 - £100 will soon be forgotten if you end up finding out your insurer is a professional non-payer (as many are).
I have a 5,000 mile classic type policy purchased from MSM that gives me UK & full Euro cover including the all important breakdown element that includes repatriation of driver, passenger & vehicle to your chosen UK address.
I managed to swing class 1 business use too so I can visit my clients in the TVR when the sun shines, and all this with a realistic excess.
My modifications are noted but never charged for, & there is zero loading for penalty points.
Every year I test the market, every year MSM are the cheapest.
The killer punch is not only are they cheapest, but MSM provide my ideal package, I dont track my car but I am very much a serial Euro touring TVR owner.
I have had one "not at fault" claim since being with MSM & they were absolutely fantastic, so while the price is great the service is too.
Give MSM a call, highly recommended:
http://www.msminsurance.co.uk/
Edited by ChimpofDarkness on Friday 31st August 10:55
My first priority is to get an "agreed value" policy on the car, insurers are very quick to write these cars off nowadays due to high repair costs.
My second priority is to choose a breakdown service which I have the most confidence in, rather than one that is thrown in as a freebie which may/may not be as good. One that uses it own people in the UK is my starting point, so not that many to choose from really in my case. Every breakdown service will have some horror stories attached to it at some point, so take your pick, I have opted for full european RAC cover for the last 10 years.
I have never needed to test it here or more importantly for me over the water, as in the last 10 years and many eurohoons in my TVR it has never missed a beat, a statement I hopefully won't regret making next week when I am off again
Manning UK and RAC for me then
My second priority is to choose a breakdown service which I have the most confidence in, rather than one that is thrown in as a freebie which may/may not be as good. One that uses it own people in the UK is my starting point, so not that many to choose from really in my case. Every breakdown service will have some horror stories attached to it at some point, so take your pick, I have opted for full european RAC cover for the last 10 years.
I have never needed to test it here or more importantly for me over the water, as in the last 10 years and many eurohoons in my TVR it has never missed a beat, a statement I hopefully won't regret making next week when I am off again
Manning UK and RAC for me then
Ribol said:
My first priority is to get an "agreed value" policy on the car, insurers are very quick to write these cars off nowadays due to high repair costs.
My second priority is to choose a breakdown service which I have the most confidence in, rather than one that is thrown in as a freebie which may/may not be as good. One that uses it own people in the UK is my starting point, so not that many to choose from really in my case. Every breakdown service will have some horror stories attached to it at some point, so take your pick, I have opted for full european RAC cover for the last 10 years.
I have never needed to test it here or more importantly for me over the water, as in the last 10 years and many eurohoons in my TVR it has never missed a beat, a statement I hopefully won't regret making next week when I am off again
Manning UK and RAC for me then
Have a great trip Ribol My second priority is to choose a breakdown service which I have the most confidence in, rather than one that is thrown in as a freebie which may/may not be as good. One that uses it own people in the UK is my starting point, so not that many to choose from really in my case. Every breakdown service will have some horror stories attached to it at some point, so take your pick, I have opted for full european RAC cover for the last 10 years.
I have never needed to test it here or more importantly for me over the water, as in the last 10 years and many eurohoons in my TVR it has never missed a beat, a statement I hopefully won't regret making next week when I am off again
Manning UK and RAC for me then
Forget the EU breakdown cover on your insurance. Do it independently with ADAC. Highly recommended by PH'ers, although their site (being German) can be quite difficult to navigate. http://www.adac.de/mitgliedschaft/adac_membership/
YRRunner said:
Do it independently with ADAC. Highly recommended by PH'ers, although their site (being German) can be quite difficult to navigate.
Have looked at this from time to time but always get put off it by the thought of introducing more complications at a bad time. I know some on here have been pleased with them when they were needed but not convinced yet, maybe next time (again).Ribol said:
Manning UK and RAC for me then
Mannings also offer a UK and European breakdown cover for £70 odd.
I was travelling with someone (Chris71) who had to use it whilst on a Spanish Tour a couple of years ago - seemed to be very good service.
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