Does insurance cover RTA costs?

Stoke

Hello,
I've been looking at getting some breakdown cover. None of them include RTA's but Green Flag told me the costs can usually be recovered from insurance. Is this the case?

Thanks

BeenThroughItAll

If you incurred recovery charges in a non-fault accident and the 3rd party admitted liability, you could reclaim them from their insurer.

Stoke

BeenThroughItAll wrote: »

If you incurred recovery charges in a non-fault accident and the 3rd party admitted liability, you could reclaim them from their insurer.

OK, so they're covered in a non-fault claim, but not covered in a fault claim?

BeenThroughItAll

Stoke wrote: »

OK, so they're covered in a non-fault claim, but not covered in a fault claim?

Sarcasm alert!

Well, if you trolley your motor into the back of a bus full of nuns with baskets of kittens, do you really think your insurer should ultimately pay to help you get home?

That'd be like rewarding you for being a !!!!!!. It's bad enough for them having to pay to get your car repaired.

Actual answer:

In reality, I think it'll depend on your insurer and the type of incident, but it won't be that they'll pay out for recovery 100% of the time in a non-fault situation.

OnanTheBarbarian

Most comp policies would cover the cost of your vehicle being recovered from the scene of a fault collision (assuming your car was not driveable or you were injured and unable to drive)
Alternatively, if plod were there and you had no recovery facility, they would get the local recovery company to recover it.

Your insurers and their approved repairers would then settle the inherited recovery and storage charges.

The above generally would be how it works, but all policy terms do differ.

force_ten

Stoke wrote: »

Hello,
I've been looking at getting some breakdown cover. None of them include RTA's but Green Flag told me the costs can usually be recovered from insurance. Is this the case?

Thanks

a few years ago I was involved in a road traffic accident and the car was undriveable, the car was recovered by the rac and two days latter the RAC rang me and said they were passing the cost of recovery over to my insurance company and this would maintain my RAC no claims

so yes my insurance covered the cost of recovery

Stoke

Cool thanks everyone

AdrianC

Think of the recovery costs as being part of the damage to your car.

If you're not at fault, then the insurer who your claim is paid by will cover your costs, including the recovery.
If you're at fault, and your insurance is comprehensive, then your insurer will cover your costs, including the recovery.
If you're at fault, and your insurance is TPFT or TPO, then your insurer won't cover any of your costs, including the recovery.

Stoke

AdrianC wrote: »

Think of the recovery costs as being part of the damage to your car.

If you're not at fault, then the insurer who your claim is paid by will cover your costs, including the recovery.
If you're at fault, and your insurance is comprehensive, then your insurer will cover your costs, including the recovery.
If you're at fault, and your insurance is TPFT or TPO, then your insurer won't cover any of your costs, including the recovery.

Thanks All good stuff to know.

Aretnap

Also remember that your excess will be applied to recovery costs, so if you have a large excess you might still be paying for. However I suppose if you have a normal excess and your car's too badly damaged to drive away, you'll be on the hook for the whole excess for the repairs anyway.

arcon5

BeenThroughItAll wrote: »

Sarcasm alert!

Well, if you trolley your motor into the back of a bus full of nuns with baskets of kittens, do you really think your insurer should ultimately pay to help you get home?

That'd be like rewarding you for being a !!!!!!. It's bad enough for them having to pay to get your car repaired.

Actual answer:

In reality, I think it'll depend on your insurer and the type of incident, but it won't be that they'll pay out for recovery 100% of the time in a non-fault situation.

Yes, if that's what you pay them for when using their services.

How about you get off your soap box and stop being a !!!!!!.