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Anyone know how to get cheaper Accident Recovery?

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Anyone know how to get cheaper Accident Recovery?

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
11 replies 2.3K views
BaritoneUKBaritoneUK Forumite
231 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Hi.

I've just been with Ford Insure for the past 3 years, they have given me the cheapest car insurance. However this year they quoted £760 while direct line quoted me £520 and they said they didn't price match. So, bye-bye Ford Insure. The problem is that when I was with Ford Insure they did Joint Solution 3 Cover for just over £50 a year (compared to when you go to RAC direct for £143) That's a big difference.

Direct Line say they can give me Green Flag cover for £90ish. But I really want to stay with RAC as I really like their service. I don't like the idea that Green Flag use the nearest garage. Can I get it cheaper? I think AA do it for £124 but that's still kind of expensive.

I know that they don't do price matching, but has anyone had any experience with actually getting a price match or similar money saving ideas?
Moneysaving since 2004!
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Replies

  • SONIC_2SONIC_2 Forumite
    59 posts
    How about getting a quote from the RAC or AA directly for your car insurance, they must offer a discount if you are insured with them on the breakdown service.
    :)

    This post may need moving to a more suitable board - what do you think MODS?
  • I tend not to bother with the RAC or AA as they allways seem to be loads more expensive than if i get the quotes direct. Try TESCO for motor insurance and i think they do breakdown cover for extra aswell.
    **BERTIE**

    Did you Know: It costs more than £325,000 a day to run the lifeboat service? (with no government funding) Please donate to the RNLI
  • SONIC_2SONIC_2 Forumite
    59 posts
    I tend not to bother with the RAC or AA as they allways seem to be loads more expensive than if i get the quotes direct. Try TESCO for motor insurance and i think they do breakdown cover for extra aswell.


    I feel that you have missed the point a bit here ;)

    BaritoneUK is asking how to get cheaper RAC cover, not get cheaper insurance. Tesco's use Greenflag (I think) which is the one most major insurers use.

    I'm only naming insurers, because they may offer a discount on RAC or AA membership.

    :D
  • Thanks guys.

    With regards to moving this to a more sutable board- please do move it- but I am not sure where. Would it be possible to have a 'car' section or a transport section for trains, planes and motors?

    I have opted for Direct Line as they were the cheapest Insurance. Not sure whether to trust Green Flag. Anyone tried them before? I like RAC, but why oh why does it have to cost so much! Aggghh.
    Moneysaving since 2004!
  • Me again.
    I've not been moved yet... Martin, if you are looking... how about creating that new motor discussion area?

    Anyway, I just phoned the AA who are doing Free Joint Cover on all their accident policies. So:
    Option 3 is £126 for the year.
    The same on RAC is £143 (done through the internet) Apparantly one big difference is that the RAC will come out to you if you have an accident, where as the AA will not (as they say your car insurance cover this) I must say I prefer this option as a back up with the RAC. But at £143 it so much more expensive. However the RAC say that they can accept post payment- ie they offered to do it from the 1st september, where as the AA couldn't do that and said that the offer wouldn't be around in September. Great customer service, eh?
    Moneysaving since 2004!
  • OK perhaps this is better?

    Just looked in the LXDirect Catalogue (one with clothes in that you get delivered to your house and not the one you pick up at the store) and at the back you can join the RAC.

    Roadside £39.00; Roadside and Recovery £80.50; Roadside and Recovery £79.00 and standard Cover with RAC no-call-out discount £110.00

    "If you allready have RAC cover, give us a call just before you membership is due to be renewed and we'll add it to your flexible account"

    08457 616171 ext 972
    **BERTIE**

    Did you Know: It costs more than £325,000 a day to run the lifeboat service? (with no government funding) Please donate to the RNLI
  • BirdyBirdy Forumite
    147 posts
    How about Auto Aid Breakdown Recovery (I think I've seen this on another thread a long time ago)

    Contact them at Boncaster Limited Tel. 01277 235500

    Mine cost £28 for the year for myself and husband (we can be driving any car) - must be a MARRIED spouse.

    The insurance does not cover cost of parts, or any repairs not carried out at the roadside.

    You pay for the recovery at the time, and claim back afterwards.

    They refund call-out fees and labour charges for a repair at the roadside, but if broken down at home or within one mile, they will only refund up to £45 for costs involved.

    They will also cover emergency hotel accommodation, or taking vehicle with you and up to 5 people to a place of your choice. Can refund cost of alternative transport if you choose to do that instead.

    I haven't required use of the service as yet (fingers crossed), but I can't find anything else providing all this at such a good price.

    Paying up front may be off-putting for some, but I think it's worth it. I expect credit card would suffice.

    If anyone else has had experience of Auto Aid, it would be useful to know (good or bad)

    Hope the above helps :)
  • I have opted for Direct Line as they were the cheapest Insurance. Not sure whether to trust Green Flag. Anyone tried them before?

    Hi Baritone,
    I've been with Green flag for 5 years, and needed to call them out 3 times.
    Average wait 25 minutes, which I think compares well to the Big Boys, and a good service. Although I get them "free" as its included as part of my insurance, I would stay with them on price and service even if it wasn't.
    Bad Spellers of the world untie
  • AndreaAndrea Forumite
    368 posts
    I've been Money Tipped! Chutzpah Haggler Newshound! PPI Party Pooper
    ✭✭
    Hi

    There's an article on the main site about breakdown cover I think you'd find useful. Click here. :)
  • I know I am mad, and due to this certainly not a money saving expert. This is a confession... I think I am going to go with RAC at £143 for the two of us. It's peace of mind really. I know there are much cheaper options out there, but I just can't make myself do it...

    Sorry.

    I pray that you may all forgive me...
    Moneysaving since 2004!
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