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Worse that could happen, accident in europe?

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4 hours ago, JCloughie said:

 

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

 

 

I think we're looking at slightly different sections John, my quote was from section E General Conditions of Service (p15 - 16 in my policy document). However, I do know there are variations between stand alone Britannia and the Flexplus cover. The latter is actually better as it covers you in any vehicle both in the UK and EU. The stand alone cover (at least when I had it a few years ago) made you nominate a single vehicle for the EU cover, and explicitly stopped you from chopping and changing so, for instance, my motorcycle wasn't covered as I'd nominated my towcar.

 

The wording you quote is similar (possibly identical) to that in section D6 of my policy. Do you perhaps have a section like mine entitled "General Conditions of Service" - maybe F?

 

It does really surprise me that cover would not be identical.....

Edited by iansoady

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1 hour ago, iansoady said:

I think we're looking at slightly different sections John, my quote was from section E General Conditions of Service (p15 - 16 in my policy document). However, I do know there are variations between stand alone Britannia and the Flexplus cover. 

 

 

Found it.  G6 in my document.  Word for word the same as yours.  

 

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.

 

So I need to refer to my cover of entitlement..  I have the deluxe plus personal cover.  I think the relevant phrases are  

 

 

Standard breakdown cover

At £40 a year, Standard breakdown cover is designed for drivers who prefer a service that begins a quarter of a mile from home and offers recovery throughout the UK. If the fault cannot be fixed by the end of the day when the breakdown happened, you, your vehicle and up to seven passengers will be driven to a UK destination of your choice.

Comprehensive breakdown cover

At £65 a year, Comprehensive breakdown cover has been created for motorists who require a breakdown service that includes cover both at home and on the road. When away from home, if the fault cannot be fixed on the day of the breakdown, recovery will be to a destination of your choice within the UK. If you prefer not to be recovered, you can choose a hire car for up to 48 hours¹, have your accommodation costs paid up to a maximum of £500 or benefit from up to £100 onward travel expenses. If you break down at home² you’ll be assisted with problems like flat batteries or flat tyres and if LV= Britannia Rescue cannot get you going, they'll take you to a local place of repair.

¹ Replacement car hire is subject to the conditions of the car hire company. See Breakdown Cover Policy Documents for more information. The minimum age of the driver must be 21 years.

² Home Assist is not intended as a home maintenance service and LV= Britannia Rescue would not expect to attend to recurring faults.

Deluxe breakdown cover

At £80 a year, Deluxe cover includes all the benefits of Comprehensive cover plus cover when travelling in Europe.

Personal breakdown cover

You can extend your breakdown cover to include any vehicle you or your spouse/partner drive or travel in within the UK. It's great if you have more than one vehicle, or sometimes drive other people's vehicles.

 

From this it would seem to me that your Flexplus is probable essentially the same as my Deluxe cover.  It would also seem to me that the advice given to me in 2104 that I would NOT be covered if I nominated that my wheel detachment was an accident.  Was incorrect.

 

 

John

 

Edited by JCloughie

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As we travel by Eurotunnel next Wednesday, we had an amazing (their words) offer come through from them for insurance. 

Breakdown FROM £11.70 and health FROM £8 per person.

 

So, for our 39 days that comes to a minimum of £1080.30

 

Think I will give it  a miss.

 

John

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On 17/05/2019 at 16:52, JCloughie said:

 

 

 

From this it would seem to me that your Flexplus is probable essentially the same as my Deluxe cover.

 

 

John

 

 

Yes, that's true except for the extension of the EU cover to any vehicle either I or my wife happen to be in with the Flexplus version.

 

I always take a copy of the full policy with me just in case I need to refer to it......

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For information I am in the process of renewing my caravan insurance.

Safeguard assured me that their £56pa breakdown and recovery insurance for UK and Europe would attend for caravan problems (e.g. a flat tyre) and not just the towing vehicle, so equivalent to the cover offered by the clubs?

Seems almost too good to be true..

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22 minutes ago, CliveB said:

For information I am in the process of renewing my caravan insurance.

Safeguard assured me that their £56pa breakdown and recovery insurance for UK and Europe would attend for caravan problems (e.g. a flat tyre) and not just the towing vehicle, so equivalent to the cover offered by the clubs?

Seems almost too good to be true..

 

If it suits you that's great, But for it to be equivalent it needs to cover what is listed from page 12 on in this:

 

https://www.caravanclub.co.uk/globalassets/pdfs/insurance/overseas-holiday-insurance-motoring-and-personal-policy-booklet.pdf

 

John

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34 minutes ago, CliveB said:

For information I am in the process of renewing my caravan insurance.

Safeguard assured me that their £56pa breakdown and recovery insurance for UK and Europe would attend for caravan problems (e.g. a flat tyre) and not just the towing vehicle, so equivalent to the cover offered by the clubs?

Seems almost too good to be true..

No idea where you store but, if you were out in the car with the caravan on site and the car broke down in a bad way would they repatriate you with the caravan, return you home when ready and then take your car to your garage? 

Edited by Easy T

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From their website:

 

Caravan Breakdown Cover

You wouldn't want anything to spoil your holiday, so cover yourself in the event that your caravan breaks down. Whether the problem is the caravan itself or the car doing the towing, our caravan breakdown cover can help get you moving again.
How we can help

    Home Start & Roadside breakdown assistance for both caravan and car (vehicles must be under 20 years old and with a maximum total weight of 3.5 tonnes).
    Recovery of caravan and car to any single destination of your choice in the UK following a breakdown.
   EU breakdown cover for trips which do not exceed 90 days (also includes vehicle recovery back to the UK).
    The EU breakdown cover also provides alternative travel arrangements to get you home if your repairs take longer than eight hours (maximum £1400 per party and car hire limit is £125 per day).
    With EU breakdown cover you could benefit from emergency accommodation costs if repairs to your vehicle take longer than eight hours (maximum £60 per person per night and maximum total claim £900).

This policy can not be purchased on its own and must be bought as an addition to your insurance policy.

 

The 3.5 tonnes limit may be a dealbreaker for many combinations - it certainly would be for me at 3.0 (max) + 1.45 (max)

I will follow up

clive

Edited by CliveB

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50 minutes ago, Easy T said:

No idea where you store but, if you were out in the car with the caravan on site and the car broke down in a bad way would they repatriate you with the caravan, return you home when ready and then take your car to your garage? 

A couple of years back I needed to look at European breakdown cover.

Initially it looked like there were about 12 providers but, weeding out those that had restrictions such as max shipping length of 7 metres, left just 2.

These we’re Red Penant and Safeguard.

My criteria was that they must guarantee to recover the caravan as well as the car and none of the others, including the often mentioned ADAC, will not recover the caravan if it is not hitched to the tow car-so whilst enroute.

My  concern , prompted by others experiences, was that should I breakdown while remote from my caravan would I be covered and my enquiries showed that I would not.

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51 minutes ago, CliveB said:

   Home Start & Roadside breakdown assistance for both caravan and car (vehicles must be under 20 years old and with a maximum total weight of 3.5 tonnes).

You have not answered my question Clive but the weight limits have ;)

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Today is the sixth anniversary of writing off a brand new van at Blois in the Loire

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On 23/05/2019 at 18:22, CliveB said:

From their website:

 

Caravan Breakdown Cover

You wouldn't want anything to spoil your holiday, so cover yourself in the event that your caravan breaks down. Whether the problem is the caravan itself or the car doing the towing, our caravan breakdown cover can help get you moving again.
How we can help

    Home Start & Roadside breakdown assistance for both caravan and car (vehicles must be under 20 years old and with a maximum total weight of 3.5 tonnes).
 

 

The 3.5 tonnes limit may be a dealbreaker for many combinations - it certainly would be for me at 3.0 (max) + 1.45 (max)

I will follow up

clive

Just an update on the Safeguard UK and Europe car/caravan insurance. I questioned the weight limits for the breakdown and recovery and was informed that the 3.5 tonne limit was for the caravan alone!

Just received a copy of the document:

 

Maximum Vehicle Dimensions
Height 3 meters (9ft 10ins)
Width 2.3 meters (7ft 6ins)
Caravans
Your Caravan and its load must also comply with the size and weight restrictions below ...
Maximum weight: 3.5tonnes (3500kgs) gross leaden weight
Maximum length: 8 meters (26ft)*
Maximum width: 2.3 meters (7ft 6ins)*
Maximum height: 3 meters (9ft 10ins)*

 

So pretty generous.

Clive

Edited by CliveB

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11 hours ago, CliveB said:

Maximum Vehicle Dimensions
Height 3 meters (9ft 10ins)
Width 2.3 meters (7ft 6ins)
Caravans
Your Caravan and its load must also comply with the size and weight restrictions below ...
Maximum weight: 3.5tonnes (3500kgs) gross leaden weight
Maximum length: 8 meters (26ft)*
Maximum width: 2.3 meters (7ft 6ins)*
Maximum height: 3 meters (9ft 10ins)*

 

So pretty generous.

Clive

That would exclude quite a few UK built caravans that are 2.5m wide!  Our caravan the shipping length is actually 8.14m.

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Mine's fine at 7.15mx2.2m and 1450kg so happy to save over £100 on full UK and Europe breakdown/recovery for car and caravan plus £50 saving on caravan "insurance" compared to what I paid last year to the CMC.

As a footnote I used Safeguard to insure a number of motorhomes over 20 years. They include full annual UK and Europe insurance/breakdown/recovery as part of their standard policy.

Edit

The breakdown is through the AA and their European partners.

Edited by CliveB

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On 23/05/2019 at 22:38, Les Medes said:

Today is the sixth anniversary of writing off a brand new van at Blois in the Loire

We're off to Montoire sur Le Loir tomorrow - about 45 minutes from Blois [which, in turn, was the first place I ever visited in France in September 1976].

Steve

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1 hour ago, marchie1053 said:

We're off to Montoire sur Le Loir tomorrow - about 45 minutes from Blois [which, in turn, was the first place I ever visited in France in September 1976].

Steve

We will not be far from you at Cherverny.

 

John

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Well I came here to tell you about my recent experience when taking out breakdown recovery while in the UK and Europe. I've just bought the CCC Arival policy but saved £77 by going direct to the RAC (£161) and speaking to someone rather than using the CCC automated online system (£238). However, after reading this I'm now concerned that I'm not covered as fully as I need to be to cover all eventualities.

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6 minutes ago, SCP1959 said:

Well I came here to tell you about my recent experience when taking out breakdown recovery while in the UK and Europe. I've just bought the CCC Arival policy but saved £77 by going direct to the RAC (£161) and speaking to someone rather than using the CCC automated online system (£238). However, after reading this I'm now concerned that I'm not covered as fully as I need to be to cover all eventualities.

This is from the RAC website. 

Our standard UK Breakdown cover does not cover large caravans and motorhomes that exceed 3.5 tonnes, 6.4 metres long including tow bar, 2.55 metres wide and 3 metres high.

So if your caravan is over 6.4 metres, they wont't recover you. 

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9 minutes ago, JanandJay said:

This is from the RAC website. 

Our standard UK Breakdown cover does not cover large caravans and motorhomes that exceed 3.5 tonnes, 6.4 metres long including tow bar, 2.55 metres wide and 3 metres high.

So if your caravan is over 6.4 metres, they wont't recover you. 

Yes they will. My caravan is 7.5 metres long and I went all through this before buying.
The Camping and Caravan Club Arival policy serviced by the RAC has no limits unlike the standard RAC recovery. With Arival they know they have to send a specialised recovery vehicle. I'm still going to ring the RAC tomorrow about repatriation of the caravan when not attached etc. as mentioned above. :)

 

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Jan and Jay referred to the 'standard UK cover' not to Arrival

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18 minutes ago, Easy T said:

Jan and Jay referred to the 'standard UK cover' not to Arrival

Yes I know. I get standard RAC recovery including European cover through work but it has the 7m limit on caravans. I was hoping to simply upgrade it somehow so that my 7.5m caravan was covered. The RAC couldn't do that so I ended up buying the Arival policy. Saved £77 buying directly from the RAC instead of online via the CCC though :)

Edited by SCP1959
Missing word.

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1 hour ago, JanandJay said:

This is from the RAC website. 

Our standard UK Breakdown cover does not cover large caravans and motorhomes that exceed 3.5 tonnes, 6.4 metres long including tow bar, 2.55 metres wide and 3 metres high.

So if your caravan is over 6.4 metres, they wont't recover you. 

It is possible that they are referring to body length and not shipping length?

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4 minutes ago, Durbanite said:

It is possible that they are referring to body length and not shipping length?

I wish it was body length, then I'd be okay with the standard recovery but sadly it's not.

It's overall length of the caravan including the tow hitch.

I must admit that I haven't seen any reference to the length limit of of 6.4m though, only 7m.

Edited by SCP1959

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The worst that could happen for me is, following and accident or breakdown, having to argue on the phone as to whether we are covered for getting problem sorted. So, based on poor experience with other providers, CMC Mayday and Red Pennant is always my choice. May be more expensive, but there when you need them.

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