RAC COVER

Discussion in 'Motorhome Chat' started by Big bus man, Nov 13, 2015.

  1. Big bus man

    Big bus man

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    After reading all your postings regarding breakdown cover today I decided to phone the RAC to see if i was covered for my motorhome. No was the answer, they only cover up to 5 metres long, also height and weight make a difference. They asked if I was a member of the CC or C&CC which I am then they used the membership number to transfer the policy to a different sector, it cost no more and I get the same cover benefits although it took about half an hour to do the transfer. Paying £138 per year it still does not give me European cover, no that would be a separate policy at £108 per year or £10 per day.
    I know some members recommend other assistance cover much cheaper and maybe one day I will look into it until then I am happy I now have full cover, especially as my van has no Jack should I get a softie. Guess I have been lucky so far all have remained firm (y) :giggler::giggler:
     
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  2. swidy

    swidy Funster

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    RAC was not suitable for me as their European cover only covers you for a maximum trip of 90 days for only one call out per trip.
     
  3. Big bus man

    Big bus man

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    The £108 fee give full cover for the whole year, no call out restrictions.
     
  4. NickNic

    NickNic Funster Life Member

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    Who are you insured with?

    Several of the specialist motorhome insurers include UK/EU breakdown cover with their policies. That's how I've always got my cover for the MH. They tend to use HGV recovery services so there won't be an issue with size.

    The thing you have to be careful of using AA/RAC/Green Flag etc is that if you ever need recovering they are likely to send a vehicle that's not big enough to lift you. If you have a search you will find a few horror stories.
     
  5. Big bus man

    Big bus man

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    I am insured via Direct Line so they would offer Green flag. The reason for transferring the policy via a CC membership number is obviously to avoid the wrong recovery vehicle being sent, at least I hope so and hope never to find out.
     
  6. swidy

    swidy Funster

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    Your European Breakdown Cover is for a period of:
    1. 12 months under an annual policy
    (maximum 90 day journey whether standard or
    comprehensive)

    Claims limit - 1 claim for
    single trip, 3 claims per
    annual policy

    This is what I got from the small print so I rang them and they confirmed only one claim per trip, so I cancelled the policy within the first week.
     
  7. NickNic

    NickNic Funster Life Member

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    You would think so wouldn't you. Don't count on it though. Like I said, have a search....

    It's very telling that the specialist motorhome insurers don't use any of the "big name" breakdown companies.
     
  8. Big bus man

    Big bus man

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    I am sure your facts are correct swidy, being the fee would be on top of the GB only cover when I do eventually stray to foreign shores I will look at other cover, obviously I will ask the question on the forum.
     
  9. Minxy Girl

    Minxy Girl Funster Life Member

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    HOW MUCH!!! :eek:

    Our MH insurance is only £300 including full European recovery! :)
     
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  10. swidy

    swidy Funster

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    RAC quoted me £136 for GB and additional £110 for Europe £246 for £348 I got insurance and breakdown with Safeguard
     
  11. NickNic

    NickNic Funster Life Member

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    I'm with Comfort.

    £292 for insurance and full UK and European breakdown cover.
     
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  12. Derbyshire wanderer

    Derbyshire wanderer Funster Life Member

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    And mine at the same price.
    Why have RAC or AA when it's all in at this sort of money? The only time we had a recovery on the last van, they sent the AA anyway!
     
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  13. Cavs

    Cavs Funster

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    Except is isn't. We're with Comfort as well; it is price capped and it uses RAC in Europe. They did not send an appropriate breakdown vehicle to us.
     
  14. WAG2CRU

    WAG2CRU Read Only Funster

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    [QUOTE="NickNic,
    It's very telling that the specialist motorhome insurers don't use any of the "big name" breakdown companies.[/QUOTE]

    I have previously insured with "Safeguard" who use the AA and, now "Comfort" who use the RAC, both give full European cover and both cover our 4 ton 7.5 m motor home, I checked with both before buying their policies though, I have not had to call them out. As far as I can tell, both are specialist MH insurers and the RAC & AA "big name" break down companies.:confused:
     
  15. NickNic

    NickNic Funster Life Member

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    Not what Comfort told me a couple of months ago when I specifically asked that question but hey ho. Never dealt with Safeguard so can't comment on them.
     
    Last edited: Nov 13, 2015
  16. mustaphapint

    mustaphapint Funster

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    I'm with Comfort too for 7 metres at 3850Kg. They assured me I have full EU breakdown cover for 365 days a year so long as no trip is longer than 9 months.
     
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