Insurance Policies/Breakdown Cover, better through companies or banks/credit cards?

Jlawson118

I was first curious about this sort of thing regarding breakdown cover. Halifax's Ultimate Reward uses AA as well as other insurance policies for £15 per month on their card and I was using this for a few months before setting the account.
I've since switched that account to Barclays. I took out their Tech Pack for my phone, but I'm yet to choose their travel pack for the travel insurance and breakdown cover with RAC. But I'm debating whether to go direct with AA or RAC or get the travel pack..

So in terms of breakdown cover, am I better through Barclays? Or AA/RAC themselves?

And the other thing I was looking at was American Express (the green £60 a year one) and wondering if that was worth it for the travel insurance. Now I won't be getting this card any time soon, not for at least a year or two, or even longer than that, but I'm just curious because they then offer travel protection and other buyer's protection, and well if I was travelling a lot, then the £60 per year would be worth it really, I do end up travelling twice a year sometimes. Although not so much now..

Anyway, opinions on cards with insurance benefits? Or aren't they worth it and i'm better off going with proper companies?

DCFC79

Depends what kind of cover the breakdown cover from the bank offers ?

If its just home start eg a basic package but you drive to work but also travel to other locations eg holidays then its pointless having it as you could have a problem when you finish work and need to call for help.

We have been with the same breakdown firm for a number of years as it covers home start and away from home, yes its alot per year but we are happy with it.

Re the Tech pack from the bank, what are covered for with it ?

I dont personally have any phone insurance because if I break my phone then I replace it.

How much is the Tech pack pm ?

forgotmyname

There was a post a little while back where someone had local cover only and got upset when the breakdown company refused to take them 100+ miles home when they broke down visiting relatives.

It was late so no garages open etc either.

Not much point speculating what maybe good in 1 or 2 years, so many terms and conditions changing as companies cut costs.