When NOT to get roadside recovery

Rolandtheroadie

Flyboy152 wrote: »

Not according to their website.

http://www.theaa.com/breakdown-cover/uk-breakdown/view-options.do



It seems be part of the basic package.

"Help", "advice" and "may be towed" is not the same as covered.

RAC has a similar clause under general exemptions.

lazer

King_Nothing wrote: »

For £40 a year, I'd still get it, even if the car was rolled off the production line and onto the street outside of my house.

Reliability of a car model shouldn't really enter the equation as examples above have shown, of crashes or other things happening.

this is a money saving website - how about people thinking through their logic.
Roadside recovery costs £150 (as per previous post, so supposedly this makes £40 a year breakdown assistance good value?
Really - do you actually use breakdown assistance more than once every 4 years?

As long as you have some savings - i wouldn't bother with breakdown recovery.

marlot

The AA and RAC often don't cover you after an accident unless you're claiming on your insurance (assuming you're fullt comp - the reason is that they will bill your insurance company). A friend found this when he dropped his bike and broke the gear lever. No way was he going to make an insurance claim for a £20 lever, but equally he couldn't ride it. They wouldn't recover him.

mikey72

Flyboy152 wrote: »

Not according to their website.

http://www.theaa.com/breakdown-cover/uk-breakdown/view-options.do



It seems be part of the basic package.

That isn't quite as it appears.

The actual t&c's exclude any service, and they will recover any costs as part of the insurance claim.
You can also pay them to move you, and it won't be cheap.

"AA Membership Breakdown Cover does not provide for any vehicle recovery following an accident.
The AA may, if You request, be prepared to provide recovery following an accident but, if so, You will be responsible for paying the AA’s charges for this assistance (including, but not limited to, any charges relating to any specialist equipment used).
If following an accident, You require one of the Stay Mobile services (and You have Stay Mobile), the AA may, again, be prepared to arrange this for You but will not be responsible for any costs involved. You must pay, on request, any applicable charges. You must give the AA, on request, any relevant information it reasonably requests in regard to all matters referred to in this clause. Please note that, following an accident, or otherwise, it is and remains Your responsibility to ensure that You properly comply with any requirements of Your motor insurer in making a claim under Your motor insurance policy.
"

http://www.theaa.com/breakdown-cover/pdfs/breakdown-cover-policy-feb-2011.pdf

Rolandtheroadie

ETA looks to be the same when you look again. You need to call your insurance first to check before they'll touch it.

So do any cover you?

mikey72

lazer wrote: »

this is a money saving website - how about people thinking through their logic.
Roadside recovery costs £150 (as per previous post, so supposedly this makes £40 a year breakdown assistance good value?
Really - do you actually use breakdown assistance more than once every 4 years?

As long as you have some savings - i wouldn't bother with breakdown recovery.

We usually pay about £50 to 60 a year after cashback for joint recovery, so it's worth it just to keep the wife from panicing.

mikey72

scotsman4th wrote: »

ETA looks to be the same when you look again. You need to call your insurance first to check before they'll touch it.

So do any cover you?

Not that I'm aware of. They're all insurance based services now, so they are obliged to recover costs from the at-fault party.

lazer

mikey72 wrote: »

We usually pay about £50 to 60 a year after cashback for joint recovery, so it's worth it just to keep the wife from panicing.

So its the peace of mind you are buying, thats fair enough.

I just keep the number of a breakdown & recovery provider in my car.
In 10 years of driving I have never called it, therefore saving £400 over that time by not buying breakdown cover.
I did have breakdown assistance with my new car, and the experience has put me off.
My new car over heated, so i tried to call out the RAC, but after over half an hour on hold, the battery on my phone died, so i had to sort the problem myself anyway!

Flyboy152

lazer wrote: »

this is a money saving website - how about people thinking through their logic.
Roadside recovery costs £150 (as per previous post, so supposedly this makes £40 a year breakdown assistance good value?
Really - do you actually use breakdown assistance more than once every 4 years?

As long as you have some savings - i wouldn't bother with breakdown recovery.

Indeed it is and paying forty pounds a year, to get towed off the motorway, that would normally cost anything up to two hundred pounds, is saving a great deal of money.

Flyboy152

mikey72 wrote: »

That isn't quite as it appears.

The actual t&c's exclude any service, and they will recover any costs as part of the insurance claim.
You can also pay them to move you, and it won't be cheap.

"AA Membership Breakdown Cover does not provide for any vehicle recovery following an accident.
The AA may, if You request, be prepared to provide recovery following an accident but, if so, You will be responsible for paying the AA’s charges for this assistance (including, but not limited to, any charges relating to any specialist equipment used).
If following an accident, You require one of the Stay Mobile services (and You have Stay Mobile), the AA may, again, be prepared to arrange this for You but will not be responsible for any costs involved. You must pay, on request, any applicable charges. You must give the AA, on request, any relevant information it reasonably requests in regard to all matters referred to in this clause. Please note that, following an accident, or otherwise, it is and remains Your responsibility to ensure that You properly comply with any requirements of Your motor insurer in making a claim under Your motor insurance policy.
"

http://www.theaa.com/breakdown-cover/pdfs/breakdown-cover-policy-feb-2011.pdf

Their website advertising is very misleading if this is the case. That said, your insurers would normally foot the bill for this sort of recovery anyway.