LV car breakdown terms question

SCUD

hello guys
i was shopping around for car insurance and got the cheapest one with Liverpool Victoria (LV).

There is an option for roadside breakdown and I chose UK Recovery package so they take me home if the car is not fixed at the roadside.

but after reading thier terms and stuff, i became a bit suspecious about this:

"Section E – UK Recovery
If your vehicle cannot be driven because of a breakdown which occurred at least a quarter of a mile from your home address we will;
Pay the labour costs and reasonable incidental expenses following
agreement between you and us if a major fault can be repaired locally. This will be instead of having to transport you and your vehicle a long distance to carry out repairs or having to take you to your home address."

does this mean they will not take me home?

here is the full terms for the Recovery package:

Section E – UK Recovery
If your vehicle cannot be driven because of a breakdown which occurred at least a
quarter of a mile from your home address we will;
• Allow you to use the cover as specified under Section C (Roadside Assist).
• Transport the vehicle, contents, driver and up to 7 passengers to your
choice of destination if, in our opinion, the fault or damage cannot be
repaired at the scene of the breakdown or locally by the end of the working
day. We will not pay for any other recoveries.
• Pay the labour costs and reasonable incidental expenses following
agreement between you and us if a major fault can be repaired locally.
This will be instead of having to transport you and your vehicle a long
distance to carry out repairs or having to take you to your home address.
• Try to make your vehicle safe to drive following accidental damage, theft,
attempted theft or vandalism. You will be responsible for the full cost of
any repair, and for collecting the vehicle. If repairs cannot be carried out at
the roadside, we will take the vehicle to your chosen destination.
• Supply a Relief Driver if the only driver of the vehicle cannot continue
a journey because of illness or injury and where other drivers are not
sufficiently experienced or confident in using the vehicle.
Exceptions to Section E
• Any exceptions specified in Section C (Roadside Assist).
• Anything specified within the Service Limitations and Exclusions section of
this policy (See Section J).
Important Information about UK Recovery
• Where it is not possible or safe to repair a fault at the roadside (for
example, on a motorway), we may take the vehicle to a safe place or to the
agent’s premises to carry out the repairs.
• UK Recovery is only effective the day after you purchased this cover for the first
time.
• All costs relating to parts remain your responsibility.
• The decision to supply a Relief Driver is ours alone and is at our absolute
discretion.

in case i don't buy breakdown cover. how much would it cost to call AA or RAC to come and fix the car? I mean is it worth to buy the cover with the insurance or just wait till it breaks down and call the rescue people?!

magpiecottage

The point of this is that if it is mutually beneficial, they can agree to get the work done locally.

Suppose you live in London and are on holiday in the Scottish Highlands when the clutch fails.

If you want, they can take your car all the way back to London - which will cost them hundreds of pounds.

Then you will have to pay labour costs to have a new clutch fitted. Once it is done you are in London when you really want to be in Scotland.

The alternative is to get the car repaired in Scotland. LV then do not need to take you home. They will pay the labour cost, which you would have had to pay when you got it back to London, but they do not need to pay the (higher) recovery cost. So a result for both of you.

SCUD

magpiecottage wrote: »

The point of this is that if it is mutually beneficial, they can agree to get the work done locally.

Suppose you live in London and are on holiday in the Scottish Highlands when the clutch fails.

If you want, they can take your car all the way back to London - which will cost them hundreds of pounds.

Then you will have to pay labour costs to have a new clutch fitted. Once it is done you are in London when you really want to be in Scotland.

The alternative is to get the car repaired in Scotland. LV then do not need to take you home. They will pay the labour cost, which you would have had to pay when you got it back to London, but they do not need to pay the (higher) recovery cost. So a result for both of you.

Thanks for explaining the matter.
So in this case the UK cover will be waste of money. Because the example you gave would be solved using their basic recovery package ”towing the car to a local garage within 10 miles from .”

keith1950

So in this case the UK cover will be waste of money. Because the example you gave would be solved using their basic recovery package ”towing the car to a local garage within 10 miles from

But in this case it would be recovered locally and YOU would have to pay for the repair.

• Pay the labour costs and reasonable incidental expenses following
agreement between you and us if a major fault can be repaired locally.
This will be instead of having to transport you and your vehicle a long
distance

Whereas this appears that they would pay for it to be repaired locally ??????

Rodders53

Note that you have to agree to that local repair option. You can insist on being recovered home.

mikey72

SCUD wrote: »

Thanks for explaining the matter.
So in this case the UK cover will be waste of money. Because the example you gave would be solved using their basic recovery package ”towing the car to a local garage within 10 miles from .”

No. In the example above you've paid for recovery, so to recover you home would be about 500 miles, or a thousand mile round trip. Say LV pay a scottish garage 90p a mile to get you back, it costs LV £900 for the recovery, then you pay a London garage £600 to fix your car. LV would want to make an offer to you, they would recover your car to a scottish garage, and they pay the scottish garage £600 to get your car fixed for you. LV are £300 better off, your're £600 better off. Win-Win. If you only had roadside, LV would take your car to the scottish garage, but you would have to pay the £600 to get it fixed. Or maybe more, as the garage won't know you, and won't care if you come back again, and you'll be desperate.

SCUD

thank you guys