FabSwingers.com forum: Breakdown insurance for cars

By *at69drive OP Man
over a year ago

Hertford

I have always found the AA to be the best of the breakdown companies but also the most expensive .

When it comes to renewal it is always nececessary to negotiate a price and sometimes they will not reduce it to a sufficiently competitive level.

My aim is always to pay the same price as a new member . I include both home start and recovery .

Which company are you with and what is your experience ?

How many do not bother with breakdown cover ?

I had a broken spring recently which wrecked a tyre. It was convenient to have recovery insurance as I was able to be taken to the destination of my choice. Having said that , I have paid for recovery for eight years and never used it .

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

I get RAC cover through tescos points and a year free Europe cover when I get my car serviced. Plus I also do the travel car insurance too from Eurotunnel.

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By *GHertsCouple
over a year ago

North Herts

Have tried most of them over the years but by far the best for price and service has been thw cover we had through Insurance Choice. They use a network of local firms.

With my old car, which was forever breaking down, they always had someone to us within an hour, kept us ipdated by text etc and always tried to get us back on the road.

Renewal price was fixed too, so never any haggling needed. Last time I looked their top range cover was about £60.

Mr G

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

Fuck, it's a dull subject really, ain't it just?

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By *eavenNhellCouple
over a year ago

carrbrook stalybridge

Switch between AA & RAC each year never pay more than £70 certainly never pay the £120+ renewal jokers

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By (user no longer on site)
over a year ago

I go with Recuse my car, they're about £40 and use local garages so the wait time is so much less. I'd highly recommend them.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"Fuck, it's a dull subject really, ain't it just?

Easily avoided

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Start rescue, never had to use it yet but others have and they were pleased with the service

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By (user no longer on site)
over a year ago

I don't bother. I have friends with recovery vehicles and rarely travel far.

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By *at69drive OP Man
over a year ago

Hertford

"Switch between AA & RAC each year never pay more than £70 certainly never pay the £120+ renewal jokers "
That is what I usually do. I paid £120 last year as I needed to be covered for driving any car. I still have to receive my free £30 of petrol which I have queried with the AA.

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By *at69drive OP Man
over a year ago

Hertford

"Have tried most of them over the years but by far the best for price and service has been thw cover we had through Insurance Choice. They use a network of local firms.

With my old car, which was forever breaking down, they always had someone to us within an hour, kept us ipdated by text etc and always tried to get us back on the road.

Renewal price was fixed too, so never any haggling needed. Last time I looked their top range cover was about £60.

Mr G"
That is excellent value , however I need cover for any vehicle .

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By *litterbabeWoman
over a year ago

hiding from cock pics.

I am with 2 together. I got it as a wowcher or Groupon and had to use it for the first time a couple of weeks ago and they were fantastic. I think it cost £19 for the full package for a year.

The renewal will be more unless I manage to get another offer, and it is only me in my car and my passengers that are insured. (As in a second driver is not covered). That is the only downside to it.

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By *ivemeyoursoulWoman
over a year ago

Easter just around the corner!

I had mine with The green insurance company and this year's quote was £68,shopped around and for the same with 2Gether Motor Breakdown it's £35. The test if it's any good will be when/if I break down!

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By *at69drive OP Man
over a year ago

Hertford

"I don't bother. I have friends with recovery vehicles and rarely travel far."
The cheapest cover assuming your friends do not let you down.

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By *at69drive OP Man
over a year ago

Hertford

"Fuck, it's a dull subject really, ain't it just?

"
That is the great thing about forums . Topics that some find interesting will bore others .This probably applies to every post ever posted on the forums .

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By (user no longer on site)
over a year ago

"I have always found the AA to be the best of the breakdown companies but also the most expensive .

When it comes to renewal it is always nececessary to negotiate a price and sometimes they will not reduce it to a sufficiently competitive level.

My aim is always to pay the same price as a new member . I include both home start and recovery .

Which company are you with and what is your experience ?

How many do not bother with breakdown cover ?

Both my cars are new so I don't have to add breakdown insurance as part of my insurance cover

the Toyota has Toyota Roadside Assistance and they use the AA

I am not sure who Mercedes use but there is a red emergency button overhead in the cab, if you get into trouble you press the button and Mercedes speak to you over the phone intercom and arrange what ever is required, good job it has a clear cover over it that you have to remove before pressing

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By (user no longer on site)
over a year ago

Just renewed mine 70 quid with rac full cover

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By (user no longer on site)
over a year ago

I use the AA and pay £18 a month. That may seem price but it also includes up-to £500 in repairs 3 times a year with a £35 excess. Add to the fact I drive an Alfa and it's a bargain...

Well, it would be if I ever used it!

MrWho.

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By (user no longer on site)
over a year ago

I think I paid £60 for recovery bundled with my insurance - it was certainly cheaper that way over a separate policy as I couldn't believe how expensive it was even through comparison sites.

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By *GHertsCouple
over a year ago

North Herts

"Have tried most of them over the years but by far the best for price and service has been thw cover we had through Insurance Choice. They use a network of local firms.

With my old car, which was forever breaking down, they always had someone to us within an hour, kept us ipdated by text etc and always tried to get us back on the road.

Renewal price was fixed too, so never any haggling needed. Last time I looked their top range cover was about £60.

Mr G That is excellent value , however I need cover for any vehicle ."

I forget if they do any vehicle cover, but worth a call to them - whenever I called they bent over backwards to help and weren't just some mindless and bored call centre agent reading from a script.

Mr G

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By *uddlybear2015Man
over a year ago

BEDFORD

"I have always found the AA to be the best of the breakdown companies but also the most expensive .

When it comes to renewal it is always nececessary to negotiate a price and sometimes they will not reduce it to a sufficiently competitive level.

My aim is always to pay the same price as a new member . I include both home start and recovery .

Which company are you with and what is your experience ?

How many do not bother with breakdown cover ?

Both my cars are new so I don't have to add breakdown insurance as part of my insurance cover

the Toyota has Toyota Roadside Assistance and they use the AA

Oooh! I want a big red button!!

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By *ivemeyoursoulWoman
over a year ago

Easter just around the corner!

"I think I paid £60 for recovery bundled with my insurance - it was certainly cheaper that way over a separate policy as I couldn't believe how expensive it was even through comparison sites."

I found mine was more expensive if I did that.

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By *he-Hosiery-GentMan
over a year ago

Older Hot Bearded Guy

Because of the soaring price of insurance itself and various other household necessities, that's one of the voluntary expenses that's gone by the wayside now.

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By *ivemeyoursoulWoman
over a year ago

Easter just around the corner!

"Because of the soaring price of insurance itself and various other household necessities, that's one of the voluntary expenses that's gone by the wayside now.

I understand that,but what if you do breakdown at various time's isn't that going to be more expensive in the long run?

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

I wouldn't reccommend RAC ever. I've been with the A.A but wasn't totally happy.

GREEN FLAG is by far the best in my experience. I'm sure they are now part of Direct Line.

Join online and save.

They've never let me down.

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By *he-Hosiery-GentMan
over a year ago

Older Hot Bearded Guy

"Because of the soaring price of insurance itself and various other household necessities, that's one of the voluntary expenses that's gone by the wayside now.

I understand that,but what if you do breakdown at various time's isn't that going to be more expensive in the long run?"

Of course.

But, I trust to luck. Never broken down before in over 20 years of driving.

VW have never let me down.

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By (user no longer on site)
over a year ago

"Because of the soaring price of insurance itself and various other household necessities, that's one of the voluntary expenses that's gone by the wayside now.

I understand that,but what if you do breakdown at various time's isn't that going to be more expensive in the long run?"

Just getting towed once is going to cost far more than a years policy.

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By (user no longer on site)
over a year ago

I treat breakdown cover like car insurance. I don't like paying out for it but it's for peace of mind.

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By *ivemeyoursoulWoman
over a year ago

Easter just around the corner!

"Because of the soaring price of insurance itself and various other household necessities, that's one of the voluntary expenses that's gone by the wayside now.

I understand that,but what if you do breakdown at various time's isn't that going to be more expensive in the long run?

Of course.

But, I trust to luck. Never broken down before in over 20 years of driving.

VW have never let me down. "

I hate buying insurance and breakdown. I bought my car and house in the month of August so it's a bugger of a month for paying out for stuff,school uniform etc and I've never claimed on any insurance,but my car is getting old now and have used breakdown recently when my exhaust fell off! I think it's just the worry incase something does happen it's peace of mind isn't it. Insurance is there for a reason,because we know it'll be a damn sight more expensive if something does happen!

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By (user no longer on site)
over a year ago

We've never had breakdown insurance

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By (user no longer on site)
over a year ago

We get free Breakdown Recovery through Barclays Bank. Most banks offer it these days with certain accounts, along with Holiday & Phone insurance.

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

"Fuck, it's a dull subject really, ain't it just?

Easily avoided"

I posted on it first!

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"Fuck, it's a dull subject really, ain't it just?

Easily avoided

I posted on it first!

Yes you did Steve. Yes you did.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"We've never had breakdown insurance

Have you ever broken down ?

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

"Fuck, it's a dull subject really, ain't it just?

Easily avoided

I posted on it first!

Yes you did Steve. Yes you did."

That makes me the insurance winner...doesn't it?

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By (user no longer on site)
over a year ago

"We've never had breakdown insurance

Have you ever broken down ?"

We had to be towed once. To be honest, it wasn't that expensive. If I put all the money Marc and I would have paid to breakdown insurance over the years (he has been driving over 10 years) in the bank, which I effectively have, then I've come out better having not paid it and just paying for the tow.

I get the point of insurance. I just don't think I need it for breakdown coverage. It won't hit me (and someone else) in the bank the same way an accident might.

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By (user no longer on site)
over a year ago

"I had mine with The green insurance company and this year's quote was £68,shopped around and for the same with 2Gether Motor Breakdown it's £35. The test if it's any good will be when/if I break down!"

Green Insurance company £17 a year!! Needed to use them a couple of times and they were great. Came out within an hour.

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By *litterbabeWoman
over a year ago

hiding from cock pics.

We had to be recovered 5 hours drive from (Dartford to Leeds) a couple of weeks ago the guy said it would have cost over £500 if we haven't had the insurance.

That may be an overestimate I have no idea but I was glad we didnt have to worry about it.

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By *at69drive OP Man
over a year ago

Hertford

"We had to be recovered 5 hours drive from (Dartford to Leeds) a couple of weeks ago the guy said it would have cost over £500 if we haven't had the insurance.

That may be an overestimate I have no idea but I was glad we didnt have to worry about it."
O would say that is a fairly accurate estimate considering the distance involved .

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By *at69drive OP Man
over a year ago

Hertford

"We've never had breakdown insurance

Have you ever broken down ?

I get the point of insurance. I just don't think I need it for breakdown coverage. It won't hit me (and someone else) in the bank the same way an accident might. "
Valid point but insurance does give peace of mind . A breakdown is painfull enough , recovery charges could make it a lot worse .

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By (user no longer on site)
over a year ago

"Fuck, it's a dull subject really, ain't it just?

That is the great thing about forums . Topics that some find interesting will bore others .This probably applies to every post ever posted on the forums ."

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By *ivemeyoursoulWoman
over a year ago

Easter just around the corner!

Green Insurance company £17 a year!! Needed to use them a couple of times and they were great. Came out within an hour.

my new quote was £68! It's now kwikfit apparently. They were great at coming out quick,but how did you get it for £17?!

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By (user no longer on site)
over a year ago

I have a question...

I'm with Nat West subscribing to their platinum bank account which apparently charges me 4 squid a month for break down cover..

I owe a Mercedes that includes free break down recovery...

Should I downgrade to the silver bank account to save money but I don't have forward travel with Mercedes, although they do try to actually repair the vehicle by the roadside...

What would you forumites do?

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By *he-Hosiery-GentMan
over a year ago

Older Hot Bearded Guy

If I didn't service my car regularly, I'd probably take it out.

Reliable car, with regular servicing you should be alright.

Worked for me.

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