RAC European Breakdown Cover - Impressed by Countries Included

Discussion in 'Motorhome Insurance General Discussion' started by John Laidler, Mar 24, 2016.

  1. John Laidler

    John Laidler Funster

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    I have had European breakdown cover with the RAC for a couple of years now but in planning for a slightly more adventurous trip I checked the countries covered and found where I wanted to go was not included as I only had Zones 1 & 2.

    Ringing the RAC they charged me an extra £50 to include what they call Zone 3 countries, which effectively is the whole of Eastern Europe, as shown on the map below.

    Unfortunately, they only cover MHs up to 3500kg which is fine for us and it includes repatriation of the vehicle if it cannot be locally repaired up to the market value of the vehicle.

    The policy runs out this September so I might look elsewhere then, for example ADAC but for the moment I'm covered for where we want to go. :)

    zone-3.jpg
     
  2. andrewjw

    andrewjw Funster

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    That seems good value to me...

    Where are you planning to go?
     
  3. icantremember

    icantremember Funster

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    If you are a member of C&CC the RAC will cover any weight of motorhome, in UK and abroad, under the Arrival scheme.
     
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  4. John Laidler

    John Laidler Funster

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    Nothing too adventurous, Slovenia and Croatia but further south if not too hot and the co-pilot agrees!

    Now need to look at the coverage of the vehicle and medical insurance.
     
  5. andrewjw

    andrewjw Funster

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    Hopefully both your vehicle and medical insurance should be ok for Slovenia and Croatia as they are both in the EU...

    We'll be in S Croatia [again!] for most of May...will look out for you!:)
     
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  6. chaser

    chaser Funster

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    £50 more than what?
     
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  7. John Laidler

    John Laidler Funster

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    It was £115 for Zones 1 & 2 for 12 months.
     
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  8. chaser

    chaser Funster

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    That's good then, just paid £117, for greenflag for 1 and two
     
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  9. busby

    busby Funster

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    £80 with ADAC for every where in Europe and Morocco...BUSBY.
     
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  10. gus-lopez

    gus-lopez Funster

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    + it covers you rather than the vehicle so anything you are travelling in !(y) Wife & I was 109€ last year & same this year as I rang & asked whether it was auto-renewal recently.
     
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  11. John Laidler

    John Laidler Funster

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    As I mentioned originally when the current policy expires I'll try ADAC. They weren't taking new UK customers a while ago, only renewals for existing customers. Hopefully things have changed.
     
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  12. Andy in Lossie

    Andy in Lossie Funster

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    RAC only cover for a 90 day trip in the EU according to their T&Cs. I have sent an email to ADAC to try and get some clarification on their 90 day limit or not policy. I'll post when I get a reply.
     
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  13. busby

    busby Funster

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    Don't think there is a limit on ADAC...somewhere on the forum is an English translation of their terms and conditions,,,BUSBY.
     
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  14. Andy in Lossie

    Andy in Lossie Funster

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    Hi Busby, that's what I mean, there seems to be conflicting info. I phoned ADAC yesterday and the lady that I spoke to said that I would need to return to the UK every 90 days to maintain their cover. As has been mentioned in other threads, it seems to depend on who you get to contact at ADAC as to how the rules are interpreted and unless I have it in writing from them that up to 6 months is ok in EU, I would feel vulnerable that I wouldn't be covered if we broke down, post 90 days.
     
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  15. scotjimland

    scotjimland Funster Life Member

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    Comfort Insurance.. 365 foreign use..

    Full UK & Continental Breakdown Cover, with no Limits on Height, Weight or Length.

    Cost me £60 for the full year ..
     
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  16. Andy in Lossie

    Andy in Lossie Funster

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    Sounds great, do you have to have one of their van insurance policies to "bolt" this on to or can you just buy it as a stand alone? (Comfort were £200 dearer for their policy and thought that I could get RAC EU cover for £110 but then read their T&Cs ..... 90 day/trip)
     
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  17. scotjimland

    scotjimland Funster Life Member

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    as far as I know they don't do a 'bolt on', it comes as an option with the policy.. all in, mine was £340 this year ..
     
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  18. Andy in Lossie

    Andy in Lossie Funster

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    Ok thanks for that, it's what I suspected. Comfort quoted £465, CC £265 so thought that that was a no brainer. Next year I should be in a stronger position knowing exactly what we need and which products offer the added benefits i.e. breakdown cover for long periods. The small print is a minefield as always.
     
  19. scotjimland

    scotjimland Funster Life Member

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    @Andy in Lossie

    Just had a look at the schedule..

    Comprehensive.. Premium £284, Breakdown cover £60

    Total £344 ..

    the breakdown cover is with Horizon RAC Advantage, same as you get with the RAC Arrival from the C&CC
     
  20. Andy in Lossie

    Andy in Lossie Funster

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    R
    RAC Advantage T&Cs not limited to 90 day EU trip?
     
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