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Breakdown Cover


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I have never bought breakdown cover before in respect of driving in the UK as cover was included in my cars warranties. Vehicles are getting a bit older now so looking at buying for a bit of peace of mind. 

Does anybody have any recommendations?

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1 hour ago, Lost Login said:

I have never bought breakdown cover before in respect of driving in the UK as cover was included in my cars warranties. Vehicles are getting a bit older now so looking at buying for a bit of peace of mind. 

Does anybody have any recommendations?

I think the AA are the most prolific and offer some comprehensive cover. It's worth checking what is covered to avoid any arguments later in the event of a breakdown. 

https://www.trustpilot.com/review/www.theaa.com

https://www.theaa.com/

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NFU include breakdown cover (just recovery not the full monty) with their car insurance.  At the last renewal the price was too high so went elsewhere and needed separate breakdown cover, looking around I chose Green Flag which looked the best value, I’ve never claimed but their reviews are good.

AA and RAC are reputed to be best but expensive.

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I've been with RescueMyCar for a number of years.

I think it cost me £39 for the year for any vehicle this year. Covers me all over the UK and IOM, with nationwide recovery. Most importantly, it'll cover me for any vehicle I'm driving or passenger of. 

I've used it once a couple of years ago and it was simply contracted out to someone nearby.

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When we headed across during summer holidays I took out cover with the RAC on a monthly direct debit and then cancelled it when I got back to the island.  So cover only cost me about twenty quid or thereabouts.   

Edited by ed fournier
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On 10/23/2021 at 7:40 AM, ed fournier said:

When we headed across during summer holidays I took out cover with the RAC on a monthly direct debit and then cancelled it when I got back to the island.  So cover only cost me about twenty quid or thereabouts.   

And that is why my RAC cover taken out for proper purposes costs me so much. Thanks

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On 10/23/2021 at 7:40 AM, ed fournier said:

When we headed across during summer holidays I took out cover with the RAC on a monthly direct debit and then cancelled it when I got back to the island.  So cover only cost me about twenty quid or thereabouts.   

Nothing to be clever about. Ruins it for others

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I joined the RAC in 1975, first car, whilst at university. Thought about letting it lapse in 1979 when I came back to work. But was across at least one weekend a month. I’ve a multi car policy covering my partner and I in any car we own or drive or are a passenger in. Not cheap, but worthwhile, just in case.

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I average about 18,000 miles a year and have deprived for over 39 years and other than one puncture and a couple of bulb replacement (pre led) have never needed to attend to a car/van/motorbike beyond standard servicing and maintenance.

Do you people who pay for these things ever actually use them?  I could understand it in the 60s and 70s but vehicles don’t break down these days.

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11 hours ago, Ramseyboi said:

I average about 18,000 miles a year and have deprived for over 39 years and other than one puncture and a couple of bulb replacement (pre led) have never needed to attend to a car/van/motorbike beyond standard servicing and maintenance.

Do you people who pay for these things ever actually use them?  I could understand it in the 60s and 70s but vehicles don’t break down these days.

Who have you deprived?

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12 hours ago, Ramseyboi said:

I average about 18,000 miles a year and have deprived for over 39 years and other than one puncture and a couple of bulb replacement (pre led) have never needed to attend to a car/van/motorbike beyond standard servicing and maintenance.

Do you people who pay for these things ever actually use them?  I could understand it in the 60s and 70s but vehicles don’t break down these days.

I've had a snapped clutch cable before, though it was an older high mileage bike. But, fortunately, it snapped as I arrived at work, rang breakdown and got a lift home at the end of the day on a flatbed. Leaving the bike at work overnight unsecured in a questionable area wouldn't have been ideal. I'd not long had the bike, so hadn't bothered getting a spare.

Equally, if I'm away and break down, I'm not getting the car or bike and me where I'm going for less than the £40 a year the cover cost me with nationwide recovery & onward travel. It also covers me in any car/bike I'm a passenger in. It's cheap peace of mind.

 

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  • 4 weeks later...

I've been a member of RAC for 45 years. Called them out 5 times. Mainly whilst abroad.

Sitting waiting for them now. 

Im in Manchester. Was going out to the Lowry last night. Had pre booked taxi. It cancelled about half an hour before scheduled collection. Went to retrieve car from car park. Slashed offside front tyre. 

Got the tram last night. 

24/7 tyre service is £120 plus time/materials.

Thats my RAC membership for the year.

My father was in RAC from 1946 to death in 2002. He had car repatriated from Spain to IoM once after being hit. That represented over 15 years worth of menbeship.

Its insurance. Of course RAC wins. It's a business. But worth it for peace of mind

 

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On 11/28/2021 at 8:15 AM, John Wright said:

I've been a member of RAC for 45 years. Called them out 5 times. Mainly whilst abroad.

Sitting waiting for them now. 

Im in Manchester. Was going out to the Lowry last night. Had pre booked taxi. It cancelled about half an hour before scheduled collection. Went to retrieve car from car park. Slashed offside front tyre. 

Got the tram last night. 

24/7 tyre service is £120 plus time/materials.

Thats my RAC membership for the year.

My father was in RAC from 1946 to death in 2002. He had car repatriated from Spain to IoM once after being hit. That represented over 15 years worth of menbeship.

Its insurance. Of course RAC wins. It's a business. But worth it for peace of mind

 

Sorry to hear all this. Hope you’re all sorted now.

Economically it may or be not worth joining a motor recovery organization depending on how lucky or not you are . The actuarials will know that stuff.

As someone who knows nothing about the workings of motor cars it’s the peace of mind that someone will sort me out that I’m happy to pay for.

 

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