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Worse that could happen, accident in europe?

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If I was involved in a car accident in europe  & my car was damaged & had to be repatriated or I was unable to drive while I was out solo, caravan on a site for the holiday, how do I get my caravan home? The reason I ask is my RAC renewel, Arrival through the camping & caravan club, states that following an accident car would be towed to a garage & left. I telephoned RAC & put the question "would you repatriate my caravan?" Reply "No, it's breakdown cover".

I am now trying to find a way to cover this eventuality, hope it never happens, but so far no luck!

Any ideas? The thought of our caravan being 1000 miles from home & no way of getting it back is frightening!

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Caravan and Motorhome Red Pennant - it is not cheap but it’s full ‘end to end’ cover

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I'd look at other Breakdown & Recovery providers, I'm covered through ADAC (Germany) and they'd bring me, my family, car and caravan back home from anywhere in Europe so if they offer that service I'm sure the AA, Greenflag etc must offer that service (at a cost obviously). I think my cover costs around €80 a year.

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Thanks, I have contacted Caravan Club re Red Pennant for confirmation of this by email so that I have Proof.

I have told the RAC what I think of them & cancelled my renewal.

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21 minutes ago, FrankBullet said:

Caravan and Motorhome Red Pennant - it is not cheap but it’s full ‘end to end’ cover

Totally agree Frank, never leave home without it, when our nearside wheel came adrift in France one phone call to Red Pennant and everything sorted, car not damaged but van written of (only six weeks old) the van arrived back on a low loader to my dealer within 10 days.

I know this does not help the OP, but I hope fellow posters take note of this advice

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Check your caravan insurance policy, mine covers me for caravan  accident recovery UK/EU  (not breakdown) and will recover the caravan, there is a dedicated phone number, I would have to pay then claim it back on the insurance policy.

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8 minutes ago, Les Medes said:

Totally agree Frank, never leave home without it, when our nearside wheel came adrift in France one phone call to Red Pennant and everything sorted, car not damaged but van written of (only six weeks old) the van arrived back on a low loader to my dealer within 10 days.

I know this does not help the OP, but I hope fellow posters take note of this advice

That was a bit of a catastrophe, do you know why the wheel fell off? We're the bolts torqued up after 20 miles as recommend or did the bolts fail?

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We were in Black Forest and our neighbours Volvo was almost totalled he was in hospital a week with kidney damage.When they let him out I took him to garage to see the wreckage and get some personal effects out. Apparently his car had to be returned to UK and Red Pennant had already arranged this. A separate vehicle was arranged to take them and their caravan back to UK....

Once again Red Pennant to the rescue.

 

Geoff

 

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What is now greenflag did when it started cover recovery of caravan but that was many years ago.

 

Dad had the same in Scotland, I live in North Wales, crash with car and caravan, the caravan was taken undamaged to a local caravan site, and car taken for repair, then car written off, leaving dad in Scotland with caravan and no car.

 

I tried to hire a car to tow it home, the only vehicle I could find for hire with a tow ball was a Landrover lucky bank holiday week end so got a good deal and took my family to join my Mum and Dad for weekend then drove back with caravan. However Landrover was limited to 50 MPH so even light going for caravan stuck at 50, and it used a lot of diesel, at least I got a diesel version.

 

It was after this my dad got the special break down cover,  which latter became greenflag, however never again did we need a caravan recovering.

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Like Les Medes I lost a wheel in France and was repatriated by CSMA, not as easy a service as Red Pennant but massively cheaper.  Also, it does not cover holiday insurance.

 

After the incident they asked me if it was ‘an accident’ or ‘a breakdown’.  Luckily I went for breakdown otherwise I would not have been covered.

 

I am not sure what Red Pennants take on an ‘accident’ might be.  And your car insurance May have to get involved.

 

I agree that Red Pennant seems as complete a service as one can get, but at a price.

 

John

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The Nationwide Flexplus insurance will repatriate both car & caravan. I have this in writing.

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3 hours ago, Hairyspinner said:

That was a bit of a catastrophe, do you know why the wheel fell off? We're the bolts torqued up after 20 miles as recommend or did the bolts fail?

The bolts failed, it was at the time that Bailey had their problems with wheels falling off, as soon as our van returned to the UK and we cleared it of all our possessions the van was whisked off to Coachman as they feared that they had the same issue as Coachman, within six weeks a new VIP was delivered to our dealer, so I can vouch for Red Pennant and CMC Insurance, both turned up trumps 

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3 hours ago, iansoady said:

The Nationwide Flexplus insurance will repatriate both car & caravan. I have this in writing.

 

But for what circumstances?  Breakdown or accident driver illness or all of the above.

 

John

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All of the above.

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6 hours ago, iansoady said:

The Nationwide Flexplus insurance will repatriate both car & caravan. I have this in writing.

That's what I have. I can't fault them when I lost two caravan tyres in as many days.

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We have had a member on here had a NF accident and car was total write off and was injured and he was with Red Pennant and he found they took control of the situation with hospital and interpreting .

 

 

Dave

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7 hours ago, iansoady said:

The Nationwide Flexplus insurance will repatriate both car & caravan. I have this in writing.

 

The breakdown service is operated by Britannia Rescue which is part of LV insurance.  The service can be bought directly from LV or via an LV car insurance add on if you do not have a Nationwide Flexplus account.

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7 hours ago, iansoady said:

The Nationwide Flexplus insurance will repatriate both car & caravan. I have this in writing.

 

Just looking a little more closely at Flexplus.  It is as you say.  However the cover is provided by Britannia Rescue same as my CSMA cover.  I have had that for many years and in the UK they have been great.  However I have only had to use them once in France for a major incident.  The wheel detachment I mentioned earlier.  The European cover is sub-let to a German company with an office in Sheffield.   

 

Their handling of the situation was disgraceful.  So much so that I claimed compensation and receiver £1200 settled voluntarily.

 

They are the people who said I would not be covered if the incident was an accident.  Only for a breakdown.

 

So I would be interested to see the bit you have in writing regarding accident cover.

 

John

 

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Had to use ADAC for exactly this problem and they were brilliant..got caravan back quickly, sorted car and provided hotel accommodation..never any quibble..highly recommended

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We use C&CC holiday and breakdown for our long stay trips into Europe 

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That's what we had, the policy document on renewal said that following an accident they would take car to garage then it was down to the insurance company. I asked what about the caravan if it was on a site at the time would they recover it? No was the reply, it is break down cover. I have not renewd.

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16 hours ago, JCloughie said:

 

So I would be interested to see the bit you have in writing regarding accident cover.

 

John

 

 

Here it is (in Section E):

 

"6. In the event of a road traffic accident you must contact your motor insurance company in the first instance to arrange recovery to ensure you receive your full entitlements. If assistance is not available for whatever reason, we will provide the services as shown under your cover entitlement."

 

As my car insurance is also with LV= hopefully there will be no issues here.

 

I was sorry to hear your experiences but others have reported much better service. Red Pennant also has not been without problems for some people.

 

What I have specifically in writing is that the caravan will be treated as part of the vehicle ie will be repaired / recovered.

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Posted (edited)
1 hour ago, iansoady said:

 

Here it is (in Section E):

 

"6. In the event of a road traffic accident you must contact your motor insurance company in the first instance to arrange recovery to ensure you receive your full entitlements. If assistance is not available for whatever reason, we will provide the services as shown under your cover entitlement."

 

As my car insurance is also with LV= hopefully there will be no issues here.

 

I was sorry to hear your experiences but others have reported much better service. Red Pennant also has not been without problems for some people.

 

What I have specifically in writing is that the caravan will be treated as part of the vehicle ie will be repaired / recovered.

Thanks for looking that up for me, i will cross check with my policy, I am making the assumption it will be the same as it is also supplied by Britannia.

 

In 2014, when I had my wheel detachment,

The whole sorry tale is here:

 

 

The Europe company that Britannia used was called IMAUK. (though might have change in the mean time).  http://www.imauk.EU/en/index.php  Part of a very large EU wide company based in France. Their blurb says that it is: 'A SPECIALIST IN COMPLEX CASES'. But my case nearly defeated them.

 

The way I see it is using Britannia rescue casts me just £80 for the deluxe cover, roadside assistance and as a passenger in someone else’s vehicle. Plus Europe wide cover. I don’t kid myself that it reaches Red Pennants service but its a fraction of the price.

 

It is just the consideration of accident repatriation which concerns me.

 

John

 

PS Just had a look at my policy and it seems they do differ.  Here is my section E6.  ther is no mention of 'accident' in the whole poicy.

 

Section E6 – Repatriating Your Vehicle If your vehicle cannot be driven because of a breakdown during your trip and your vehicle cannot be repaired in time for your return journey to the UK, we will:

• Pay any extra costs of transporting you, up to 7 passengers and luggage back to the UK; and

• Pay the cost of transporting your vehicle to your home address in the UK as long as these costs are not higher than the market value of the insured vehicle; or

• Pay up to £500 for someone you choose to travel to the place of repair to drive your vehicle back to your home address in the UK. Important Information about Repatriating your Vehicle

• It can take up to 15 working days to arrange repatriation of your vehicle following our agreement to do so.

• The UK market value of the vehicle will be obtained from the Glass’s Guide or a recognised equivalent.

• We will not be responsible for the transportation of any excise goods which come under the jurisdiction of HM Revenue & Customs (HMRC) such as tobacco, alcohol or fuel. These items must be removed from the vehicle prior to transportation being arranged and you will be responsible for the arrangement and the cost of an alternative method of shipping

-----------------------------------------

Just so you know, I never doubted what you said, I just assumed (wrongly) that the Britannia Rescue policies would read the same.

 

John

 

Edited by JCloughie

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No mention of accident but first line says breakdown. It may be worth asking the question. The Insurance company is responsible following an accident so need to know if they will recover the caravan if they are not together at the time.

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When I had my episode with Priorite I rang both insurers,Saga and Cornhill, they both asked what recovery cover I had in France,told them RP...they both said perfect fill the forms in when you return you don't need our help!

 

Geoff

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