free breakdown cover with prudential

stumpjumper

I'd agree with dopester about being careful with these deals. I was told by the guy who recovered my car a couple of months ago that I had done well to buy proper breakdown cover as he reakons 'most folk get it free with their insurance and it's not worth the paper it's written on as there's so many exclusions'.

ioscorpio

Quinn-direct also now give free breakdown cover which includes Homestart with their insurance policy.

piggeh

Zurich also do free breakdown - however it's only basic so you'd need to pay more for homestart, etc.

10 miles rule makes most of these worthless though. Best to check the T&Cs I guess.

movilogo

Currently, if you take a policy from Norwich Union and take breakdown cover, you premium will be reduced compared to preminum without breakdown cover!

My premium was reduced by £8 when I took the cover!

Wig

pompeyrich wrote: »

Worked for me too, you can phone and upgrade the Green Flag cover to include European Cover too for £47:25 once you have received the documents.

Only applies to cars under 10 years old.

So that's why it says £47 for "advanced cover" it is the extra premium you have to pay to get european cover.... I thought the Advanced cover cost £47 all-in, which was why I was confused why they valued the home & Rescue cover at £54. So that would put European cover at a cost of about £100 all-in.

I only go to Europe for 2 weeks a year, don't think I'll be adding the extra cover.

Wig

dopester wrote: »

Just want to warn you to read the T&Cs of the Green Flag free breakdown cover so you don't get burned fingers like my Mum did.

She breaks down with misfire which she's all paniced about... rings me, rings Green Flag (free breakdown via Prudential Car Insurance)... and fair enough, they are with her promptly and are courteous.

However the Green Flag mechanic has no equipment to do any diagnostic check and says something about it not being their policy to do such checks.

He sets up his Green Flag vehicle to tow her car and asks where she wants to go to. I suggest 3 garages, one being our nearest VW dealership, and the other 2 being specialists... all 25 to 35 miles away.

Get this.... her free Green Flag Breakdown/Rescue cover T&Cs say something on the lines of you're only entitled to a tow to a garage within 10 miles !!!!!!!!!!!! Ten miles ! :rolleyes:

We knew of no garages nearby, and certainly none of any repute who we can be sure know what they are doing. Luckily she had her CC with her. Ended up having to pay an extra £55 (about that from memory) to Green Flag to get towed to the nearest VW Dealership with Green Flag.

And once there, whilst VW were good enough to see car that day, £70 labour charge + £25 ignition coil part = £95. (So £55 + £95 = £150)

Next day she joined AA. Soon after another ignition coil failed. AA turned up very quickly, did on-the-spot diagnostic, and fitted new ignition coil. Job sorted within 20 minutes. She just paid AA for the part, around £25. Even if they hadn't diagnosed the issue, I'm pretty sure full AA membership (not so expensive for basic) would have seen AA tow the car to a proper dealership.

That sucks! I will look again at the T&Cs for green flag UK home and rescue cover (as though you had bought it direct from greenflag,) and compare it to the policy I get from Pru, and then compare it to other policies. For example I recently was in a car which broke down and had Tesco breakdown cover (costing £70), and got a 250 mile tow home.

Of course it does not help that the prudential insurance site is so full of dead links and bugs that neither their own insurance policy documents or the green flag T&C's are available online and it doesn't tell you that you got the greenflag cover inclusive when you finalise to pay the bill - I phoned up CS and they said it will be included, anyway, even though it does not show on the screen, and if it doesn't then you phone them up and they will add it on.

P.S. my quidco / pru application on Sunday-yesterday has not tracked yet.

Wig

My first observation is that Greenflag Eurocover is for cars up to 16 years old
but I could swear the Prudential cover only goes up to 10 years old.

Ok, found this below (they give level 4 free BTW), it does say 10 miles for a garage, which is rediculous because they also say you can be towed to your destination, so the MSE's mother mentioned above could have had a tow to her destination, now she could either have said "home" or that she was going to the "VW dealership". or close to it.

I'm going to have to read the policy because benefit No.3 seems to contradict benefit No.4

Summary of Breakdown Cover


Below outlines what is covered, and the level of cover you will receive with our Car Breakdown Cover policies:

Wig

Quick update from me, My Prudential documents have arrived, no mention of greenflag (as expected because of a glitch on the pru server.) Anyhoo, phoned them up to ask for them to add the greenflag on, they said it was already showing as being on and I should recieve the greenflag documents in due course. As my green flag cover commenced at polcy inception (last week) I asked for a greenflag phone number should my car breakdown between now and getting policy docs. No problem, they gave me this number 0800 032 4166

I am yet to read the greenflag policy when it arrives.

Oh and I just realised, the apparent contradiction between benefits 3 & 4 in the above table, are because level 2 of has benefit 3 but not benefit 4, Logically if you have benefit 4 you don't need benefit 3, but they still put a yes in there for whatever reason, However I don't understand why level 3 has a no for benefit 3. Maybe the policy will shed some light on it.