Arrival checks

Discussion in 'Motorhome Insurance General Discussion' started by nahnotme, Mar 16, 2010.

  1. nahnotme

    nahnotme Read Only Funster

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    I know ive been down this road before but I have yet to find a solution.
    I am in spain in my 16 year old RV and am covered for European breakdown cover with the C&CC / RAC arrival scheme but you are only allowed 90 days per single trip.
    I am one month into the three month trip and want to now stay for 6 months to work, the maximum time im allowed out of the UK on my vehichle insurance.
    Ive considered taking out a policy with ADAC but thanks to my wing mirrors and air con unit am slightly over their size restrictions but more so a 200 euro maximum cover per tow is not enough for an RV. Ive tried every where and some one said just risk them not checking your ferry booking, now surely under the data protection act the ferry company ( booked through the C&CC) cant veryfy what is on a reciept, or can they ?
    So my question is have any funsters actually used this cover and what checks where made by the RAC ?
    I know its risky but I am going to loose out on three months well paid work to go back to the UK and none.
     
  2. madbluemad

    madbluemad

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    If I understand you correctley its a break down and recovery insurance that your talking about. What would the ferry company have to do with that.

    If you aint insured for breakdown and recovery its only you that will have to fork out.

    Maybe I'm reading your post wrong ?

    Jim
    :Smile:
     
  3. nahnotme

    nahnotme Read Only Funster

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    cos they would check your ferry to see if your within the 90 days limit ? woudnt they ?
    I know of a pay as you use scheme but I dont have the kind of money needed for low loaders etc.
     
  4. madbluemad

    madbluemad

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    I dont know why the ferry company would be interested as to whether or not you could or could not afford to transport your broken down mh. Breakdown and recovery insurance isnt a legal requirement.

    Jim
    :Smile:
    Edit: Sorry are you talking about the breakdown company not covering you after the expiry of you breakdown cover.
     
  5. nahnotme

    nahnotme Read Only Funster

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    yeah Jim thats right
    ...the second bit .
     
  6. nahnotme

    nahnotme Read Only Funster

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    sooooo no ones ever used the Arrival / RAC/ C&CC policy abroad ??????
    I just want to know did they ask for proof of ferry booking ??
     
  7. matamoros

    matamoros Funster

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    Never used the service because I never joined. I brought this point up when speaking to the young lady at the RAC who said that they WOULD check crossing dates. When I asked whether the cover would operate for the first 90 days, as I do not always make a return crossing booking, I was informed the cover would not operate at all in that case. About as much use as a chocolate teapot to me!! Of course this is only what I was informed, another operator on a different day may have given a different answer, the only way is to find out from experience. I hope someone else can furnish a more definitive response as I would also be very interested.
     
  8. nahnotme

    nahnotme Read Only Funster

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    well I have to leave sunny spain and and my job to go back to blighty and no job. all because this 90 day rule. If people would have shared thier experiences on this thread I might have thought differently, perhaps their too busy sharing jokes and trivia !! Maybe its time to try motorhome FACTS !!
     
  9. imprint

    imprint Read Only Funster

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    Sorry, Wyn, but that sounds like sour grapes!!

    Would you rather have bum advice, rely on it and get into more trouble, or have folks giving it straight like the funsters who have tried to help you?

    If you ask for advice, don't moan if you get it.

    Put bluntly, you want to cheat your insurance company, which means the rest of us have to pay a bit more. I accept you changed your mind about how long you wanted to stay, when a work opportunity cropped up, but you don't get something for nothing.
     
  10. dazzer

    dazzer Read Only Funster

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    Now Now calm down dear :thumb:

    I assume you have access to the internet??

    If your RV breaks down and your working I assume you wont require immediate assistance same day?? If this is the case and you are over your 90 day period just go online and book another ferry ticket, ok it will cost you a few quid to book it but you will then have proof of a ferry crossing (even though you never actually used it) to give to the breakdown man when they turn up :thumb:

    Problem solved, yes???

    Now go and pick up your dummy and chill out, life is to short to get all excited about little things like this, remember there is always a way round this kind of thing :thumb:
     
  11. G4GMO

    G4GMO Read Only Funster

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    Seems a little unfair to expect others to share their experiences in order to aid you to consider risking not having valid breakdown insurance cover.

    A little extreme giving up a job for the sake of break down cover? :Cool:

    Chill 'cus the weather's cool here. :Smile:
     
  12. John & Joan

    John & Joan Funster

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    I am with Comfort Insurance. Aviva are the insurers and RAC commercial the recovery agent.

    I was covered for 6 months on any trip out of the UK. I am now on a Full Timeing policy with the same insurers and I do not have to return to the UK at all. The only limit is 6 months in any 12 months on one country.

    I have used the recovery service in the UK but have not needed their services overseas. Broken Fan belt on both occasions.
     
  13. chatter

    chatter Read Only Funster

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    Maybe no one has anything to share. We have a 5ver try getting cover for that impossible to get true cover with either of our two big organisations, so i opened an account with a commercial recovery firm that also covers europe - no yearly premiums to pay (and no time limits on length of stay) but should i ever have to use them i will have to pay whatever the bill is. I look at it from the point of view that for every year i would of paid for nothing (recovery policy not used) balances what i might have to pay one day
     
  14. lebesset

    lebesset Read Only Funster

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    think you will find that the mirrors play no part in the legal width of your vehicle ; I think there is a legal maximum for the mirrors in addition to the vehicle though

    I suspect adac put this in in case of low loading ; if that should happen you could demount the mirrors , couldn't you ?

    just had a quick look at ADAC site , max width is 2.55 , which is the maximum width [ excl mirrors] permitted in europe ; if you exceed that you are illegal anyway

    with regard to the height at 3.0 , if you only have bits sticking up from the bodywork [ virtually all motorhomes do ] , don't worry about it ,the nominal height of the vehicle excludes the bits ! on a low loader there isn't a roof anyway , and drivers are well used to judging bridges etc

    btw , I have never had breakdown cover in 35 years , I soon found out it was cheaper just to pay to have it fixed wherever I found myself

    ADAC sounds just the job !
     
    Last edited: Apr 30, 2010
  15. Reallyretired

    Reallyretired Funster

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    I have used it and there were no checks on how long I'd been away (though it was only 2 days in my case)
     
  16. matamoros

    matamoros Funster

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    I am in the same situation, when I contacted the RAC last year they did give me a phone number for recovery assistance abroad but fortunately have not needed to use it so far.I agree with your philosophy on paying for recovery, especially as there does not seem to be any cover available.
    I would be grateful if you could let me know the recovery firm that you are registered with( by PM if you like) as this seems a very sensible alternative.
     
  17. Wildman

    Wildman Read Only Funster

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    no need for that tone of voice not our fault that YOU failed to research before leaving.
     
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  18. nahnotme

    nahnotme Read Only Funster

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    OOOhhh look at the respnose I get when I mention jumping ship :Rofl1:
    Firstly I did do my research and planned on returning within the 90 days but as I said I now have work here and none to go back to, so wish to stay longer.
    Comfort wont insure me due to my proffesion as most wont.
    I would like to know who this commercial recovery pay as you tow scheme is, though I dont have the sort of funds available to pay for low loaders etc.
    and ADAC will only pay for the first £200 of any tow, which wont get a 7 tonner far.
    I know I can get a new ferry ticket but should I be on the hard shoulder of a motorway could be problematic. and my question is can and do the RAC check with the ferry company to see if a journey has been made ? bearing in mind the data protection act etc.
    I dont want to bend the rules, I am always to honest for my own good, which is exactly why I have this problem.
     
  19. Wildman

    Wildman Read Only Funster

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    why not just get it fixed wherever you are instead of worring about getting it back here
     
  20. nahnotme

    nahnotme Read Only Funster

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    I would rather do that but a 35 footer cant just go to any garage and if im in the middle of nowhere ??, them motorways between southern spain and england arnt half long.
    it just pisses me off that a 7.5 meter motorhome is covered for 180 days with the C&CC /RAC arrival scheme but anything over that is only covered 90 days and I quote the reason being the computers need updating !!
     

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