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    • MSE Tony
    • By MSE Tony 27th Mar 12, 4:48 PM
    • 71Posts
    • 20Thanks
    MSE Tony
    Car Breakdown Discussion
    • #1
    • 27th Mar 12, 4:48 PM
    Car Breakdown Discussion 27th Mar 12 at 4:48 PM

    This discussion is specifically for you to feedback on

    Car Breakdown cover

    Please first read the

    Click 'post reply' to have your say and let us know if it's about home or car cover

    To discuss other issues please use one of the following:

    Car Insurance


    Last edited by MSE Tony; 27-03-2012 at 7:00 PM.
Page 32
    • Quentin
    • By Quentin 17th Jul 18, 9:47 PM
    • 37,527 Posts
    • 21,737 Thanks
    According to your #616 the recovery was arranged by autoaid??

    If so why will ERS be chasing you? Who told you "it was all taken care of"?

    And why did you renew with Autoaid who you now say were "no help"??
    • roseview
    • By roseview 17th Jul 18, 11:16 PM
    • 80 Posts
    • 10 Thanks
    The recovery driver said that it was all taken care of. On later phoning the call line we were told that they'd sent a courtesy recovery out as they were unable to establish or check membership status.

    Why have we renewed? Because we don't like being without cover, of course.
    • fifty
    • By fifty 18th Jul 18, 6:27 PM
    • 9 Posts
    • 2 Thanks
    RAC Renewal
    I was shocked that our cover had gone up from £140 last year to £220!! We always haggle; last year they gave us an extra 3 months. This year, we did a couple of comparisons online; even new cover with RAC was only £129, and we've been with them for years. Loyalty counts for nothing. Anyway, my husband did a sterling job and got it reduced to the £129. Motto is, "Always haggle".
    • hybernia
    • By hybernia 23rd Jul 18, 3:58 PM
    • 281 Posts
    • 221 Thanks
    * 12 months' RAC breakdown cover today. £29.89p. *
    We trust neither of the two main cashback sites and instead use the much smaller (but to us, considerably more dependable) iMutual.

    Every year, we buy our daughter vehicle breakdown cover. Every year, we finish up purchasing from a different provider, because every provider is in the business of seeking extortionate amounts on renewal unless you're prepared to spend time, haggling with them. We value our time; we find it cheaper to be a new customer.

    Daughter's existing AA subscription, purchased on a temporary promotional deal last year, replaced a previous RAC subscription, funded by Tesco Clubcard vouchers.

    Today, we're back with the RAC as a disloyal customer once more and have paid £34.99p for 12 months' breakdown cover. It has no bells and whistles, because in over 40 years of our motoring and 8 years of hers, the bells and whistles haven't been needed (and nor has the cover, seeing as we've never had a breakdown.) Daughter doesn't do much mileage. Her little 4-year-old car is annually serviced. Any repairs that might ever need doing, are done.

    iMutual isn't offering vast sums in cashback (it generally doesn't) like the bigger but less reliable operators, so in this instance, today, the cashback is £5.10p, bringing the net RAC subscription down to £29.89p. The £5.10 will be forthcoming from iMutual in due course; all it wanted was to see the transfer from its website to the RAC's tracked, and the purchase confirmed, and it has. And that's it. Job done. No messing around with "waiting for merchant" and all the other nonsense outfits like Top Cashback come up with.

    Obviously, £29.89p a year for RAC breakdown cover is going to be considered as just too basic by many. Fair enough. Suits us, and our daughter, just fine though.
    • comments occasionally
    • By comments occasionally 26th Jul 18, 3:05 PM
    • 26 Posts
    • 12 Thanks
    comments occasionally
    any knowledge of Breakdown Assist company?
    Just got renewal quote from AA. £250+ Comparison site gives me quote of £94 from Breakdown Assist. £70 if i have £35 excess!
    both for family cover,roadside. BA adds onward journey and emergency accomodation so better cover (AA has 'benefits' but i wouldnt use them apart from app, which is obviously no use if not a member!
    Does anyone have experience of using Breakdown Assist? I've not heard of them.
    cover is for 3 family members, any car. Have only called out for tyre changes.. (x2 on different cars)
    Thanks for any feedback.
    NB. Online quote from AA is £129 for 4 people.. Might i be better trying to haggle down to this? or is B Assist as good. Most reviews are from people who haven't used service, but few who have seem ok.
    Last edited by comments occasionally; 26-07-2018 at 3:14 PM. Reason: extra info
    • JBMouse
    • By JBMouse 6th Sep 18, 11:56 AM
    • 5 Posts
    • 1 Thanks
    Postcode price variance
    I have had my renewal for Green Flag car breakdown cover, and it has gone up £10 on last years price of £57, so I am shopping around, and also checking Green Flag site for new quoptes for new customers, and I have discovered that the postcode makes a big difference to the price quoted. Why is this? I can understand car insurance being very dependant upon postcode, as some areas are more prone to car theft, vandalism etc., but what effect can postcode have on the likelyhood of my car breaking down? I have had a quote from Green Flag of £61 for my postcode, and a quote of £50 for the road directly opposite me, just the width of the road between my drive entrance and the entry to the other postcode. It makes no sense to me, so can someone answer my question with a plausible explanation. Thanks.
    • SpideressUK
    • By SpideressUK 6th Sep 18, 12:21 PM
    • 146 Posts
    • 70 Thanks
    JBMouse I am guessing but insurance normally gets calculated on number of claims in an area/risk groups etc so I would imagine that certain post codes are likely to attract a certain section of society who are more likely to be able to afford certain types of car and therefore have a greater statistical chance of the need for breakdown services. Also, certain post code areas might attract less funding for road maintainance so if the people from that area are using those poorly kept roads they may be more likely to have the need for breakdown services due to their car suffering from the external effect of dodgy road surfaces etc
    • JBMouse
    • By JBMouse 6th Sep 18, 12:37 PM
    • 5 Posts
    • 1 Thanks
    Thanks for the reply, but the quote is car and age of car dependant, most companies want to know the exact model and age, and yes, that would be expected to increase the cost for an older car, and a make with less reliability, and the state of the roads in an exact area could not be known to the companies, and anyway, everyone from the road opposite must drive into my road (and postcode) to get anywhere, as they are a cul-de-sac.
    There must be some other explanations, I wait to hear.
    • murphydavid
    • By murphydavid 6th Sep 18, 1:16 PM
    • 607 Posts
    • 137 Thanks
    Thanks for the reply, but the quote is car and age of car dependant, most companies want to know the exact model and age, and yes, that would be expected to increase the cost for an older car, and a make with less reliability, and the state of the roads in an exact area could not be known to the companies, and anyway, everyone from the road opposite must drive into my road (and postcode) to get anywhere, as they are a cul-de-sac.
    There must be some other explanations, I wait to hear.
    Originally posted by JBMouse
    Itís a type of insurance so is worked out on statistics and probability of making a profit, not common sense logic if there is such a thing. Whatís thrown into the melt is down to the company. It would seem Green Flag include post codes. You might be better served by spending your time reading MSE Best Buys again and comparing other companies.
    Out of interest most statistical studies of expected life span (age of death) are also affected by where you live.
    • comments occasionally
    • By comments occasionally 10th Sep 18, 8:03 AM
    • 26 Posts
    • 12 Thanks
    comments occasionally
    Further to earlier post, after rather irrelevant replies.. I rang AA and asked for online quoted price, no trouble getting that. Even let me think about it for day or so. I was tempted by cheaper one because it included onward travel and we were about to go on holiday in elderly vehicle. Finally stuck to AA. Asked them to throw in relay but no joy!! (Car fine for the 500miles plus)
    So got same cover for about half price... And the guy pointed out that I could have another family member included (4 total) so I added second daughter who doesn't drive but will be covered as passenger!
    I know it could be cheaper but I was happy to pay half of quote. We will see what happens next year..
    Still interested in other company but as no relevant replies, I'm glad I stuck to AA for now.
    • bethanyhen
    • By bethanyhen 11th Sep 18, 10:50 AM
    • 5 Posts
    • 2 Thanks
    Have been with AutoAid for a few years now and have nothing but praise for them. They seem to have expanded now (had to call this morning with a change of address on renewal and noticed 'call centre' type background noise) but it's still the same quick telephone response, to a real person, who knows what they're doing and does it promptly and efficiently. My new docs were in my in-box before I'd even put my payment card back in my wallet.
    However ..... slightly irked that premium has gone up from 42.00 (rounded up) to 49.00 (rounded up), and 5.00 of that is detailed as 'charge', explained as a charge for renewing the policy. Do any other companies charge simply for renewing a policy? Or is it a seemingly innocuous way of gouging?
    • Quentin
    • By Quentin 11th Sep 18, 11:36 AM
    • 37,527 Posts
    • 21,737 Thanks
    The (rounded up) cost for joining is now £49.

    They are just being transparent in separating this 'charge' from the premium

    Save £10 by letting your policy lapse and buying a Groupon subscription instead of renewing
    • redux
    • By redux 12th Sep 18, 2:31 PM
    • 18,568 Posts
    • 24,808 Thanks
    Does anyone know whether it's possible to find access to a database of callout firms contact details without buying breakdown insurance?

    The reason I ask is that my car is now too old to find multiple or perhaps even any quotes for European policies. I had wondered about joining ADAC, but this is said, possibly more accurately now than in the past, to be no longer possible.

    I've had the car 15 years of its 19 year life, the only time broke down was over 12 years ago, and even that involved no callout, I just stopped at one garage then drove to a main dealer.

    So actually paying for help or recovery if it's needed late at night looks like a risk worth taking, subject to needing some phone numbers ...

    Edit: I'm making some progress looking on Google Maps for well chosen words like auto depannage, Pannenhilfe, Abscheppdienst, etc
    Last edited by redux; 12-09-2018 at 4:43 PM.
    • dboywunda
    • By dboywunda 12th Oct 18, 6:06 PM
    • 5 Posts
    • 2 Thanks
    A Puncture? Renault Assist May NOT attend!
    Just purchased a new 18 plate Renault. On scrutiny of the Renault Assist Breakdown cover that came with the car, it seems that cars purchased after 1st January 2018 no longer will have European Breakdown cover, but perhaps more importantly, wheel changes, punctured tyres, damage to wheels or tyres are also no longer covered. The Clio comes with a puncture repair kit, no spare tyre. I can not visualise my good lady, who is the main driver, fiddling with a tyre repair kit at the side of the motorway and for this reason I now feel compelled to purchase alternative breakdown cover.
    Buying a new Renault? Then indeed 'buyer beware'!
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