RAC European Breakdown Cover - Impressed by Countries Included (1 Viewer)

[Sundowners]

We changed from RAC after many years with them as they do not cover vehicles over 11 years old on European cover.

 

[Robin McHood]

I think the T & Cs for the RAC Arrival scheme depends on who you got it through. Under C&CC memebership there is no age restriction on motorhomes and it says specifically that motorhomes over 11 years old are covered. They also cover a towed vehicle. There is a Fair Use clause but its terms seem reasonable and I cant see anywhere a limitation on trips of 90 days maximum. Here is the document itself -. Anyone spot any caveats? Like to know as I'm about to go for it. AA with whom I've been a car member for years wouldn't touch "Rolling Home" as she is over the height and weight restrictions.

 

[Lenny HB]

R


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

Not with Comfort I think there may be a limit on the insurance policy of a max of 9 months. Also the Comfort deal covers Morocco (you have to pay then claim back) and part of Russia.

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[Sundowners]

Have to go back over my paperwork as that's why we cancelled after having been with them for years. However we were paying £234.00 a year for it to include European cover (maybe that's where the over 11 years old came into effect - for overseas cover), we now get it included with our vehicle insurance and also covered with Nationwide free with their Flexplus account.

 

[Lenny HB]

Not found it yet,,,SAGA cover 365 days a year///

They do via RAC as well.

 

[Lenny HB]

Have to go back over my paperwork as that's why we cancelled after having been with them for years. However we were paying £234.00 a year for it to include European cover (maybe that's where the over 11 years old came into effect - for overseas cover), we now get it included with our vehicle insurance and also covered with Nationwide free with their Flexplus account.

Have you looked at changing your insurance Comfort prices are very competitive and the breakdown cover is only £60 could work out a lot cheaper even if you have to pay a £25-£50 exit fee.

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[Andy in Lossie]

Have you looked at changing your insurance Comfort prices are very competitive and the breakdown cover is only £60 could work out a lot cheaper even if you have to pay a £25-£50 exit fee.

Thanks, that's exactly what we have had to do, although the CC insurance team didn't charge us the £25 cancellation fee as we hadn't yet started our cover (they could have though if they had wanted to! .... so thanks CC). Comfort were very easy to deal with and answered all our questions, including "How come RAC will not cover our van at 7.4m and that's who you use?" Answer " We use RAC commercial which has no limits".

 

[Robin McHood]

Update on RAC Arrival T&Cs. Their version on the RAC website the C&CC links to is 115004013 attached below. This does say trips are maximum 90 days with maximum one callout per trip for European cover. However the Club T&C's which I posted earlier says "
e. Separate Terms and Conditions are issued for
Annual European Cover which should be read in
conjunction with these Terms in this booklet.
If there is a conflict between these Terms and the
RAC European Cover Terms, then these Terms
will prevail.

As those terms include a Fair Use of 6 callouts per year then that would appear to override the RAC standard T&Cs.

I have emailed the RAC for clarification and will post once I get an answer.

@Andy in Lossie how did you get on with ADAC in the end? Their English terms and conditions look far better than anyone else I've come across but the possible language barrier is a pause for thought.

 

[busby]

Update on RAC Arrival T&Cs. Their version on the RAC website the C&CC links to is 115004013 attached below. This does say trips are maximum 90 days with maximum one callout per trip for European cover. However the Club T&C's which I posted earlier says "
e. Separate Terms and Conditions are issued for
Annual European Cover which should be read in
conjunction with these Terms in this booklet.
If there is a conflict between these Terms and the
RAC European Cover Terms, then these Terms
will prevail.

As those terms include a Fair Use of 6 callouts per year then that would appear to override the RAC standard T&Cs.

I have emailed the RAC for clarification and will post once I get an answer.

@Andy in Lossie how did you get on with ADAC in the end? Their English terms and conditions look far better than anyone else I've come across but the possible language barrier is a pause for thought.

No problem with language at all,,Most of their staff speak perfect English..BUSBY.

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[Cavs]

I'm currently reading through policy documents in order to renew.

C&CC insurance premium is less than half others I have been quoted. When I mentioned that RAC breakdown cover at £79 would have time and trip restrictions, I was told to ring RAC direct and they would provide an extended period of cover, with 25% discount for being insured with C&CC.

Haven't read all the bumph yet - spending too much time on here

 

[Jagtazman]

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 ..

Do comfort have a limit on age of vehicle?

 

[scotjimland]

Do comfort have a limit on age of vehicle?

Don't know.. my van is 15 yo ..
give them a call..

If you have any questions regarding our policies, or motorhome insurance in general, don’t hesitate to give us a call on 0800 0304 206 or 020 8984 0777 , our friendly, UK based experts will be ready at the end of the line, with the answers to your questions!

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[Andy in Lossie]

@Andy in Lossie how did you get on with ADAC in the end? Their English terms and conditions look far better than anyone else I've come across but the possible language barrier is a pause for thought.

Robin,
I didn't opt for ADAC in the end as their T&Cs and their sales department, on the phone, both said that their single trip limits were for 92 days away from your residence. The lady said that as long as we spent one day back in the UK (not even at our residence ... in Northern Scotland!) the clock would re-set. As we will be over wintering in southern EU, we couldn't take a chance on ADAC, great policy that it is. We ended up cancelling our CC insurance and going with comfort.

 

[Andy in Lossie]

By the way, Red Pennent quote was £550!!! and that's a brand new van.

 

[Robin McHood]

Ok thanks for all that feedback, having just swapped insurance companies once already (along story regarding VIN based insurance etc etc) think I'll stick with the C&CC insurance and get RAC non-European for this year and consult with Comfort next year. Of course if the two lottery emails I've received while I'm at work turn out to be anything substantial there might be an earlier change....

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[Andy in Lossie]

Of course if the two lottery emails I've received while I'm at work turn out to be anything substantial there might be an earlier change....

Ohhhhh, good luck with that then

 

[Jagtazman]

Don't know.. my van is 15 yo ..
give them a call..

Just curious at this stage looking at 06-09 models atm so no biggy atm but others might be interested.

 

[Robin McHood]

Update on RAC Arrival T&Cs. Their version on the RAC website the C&CC links to is 115004013 attached below. This does say trips are maximum 90 days with maximum one callout per trip for European cover. However the Club T&C's which I posted earlier says "
e. Separate Terms and Conditions are issued for
Annual European Cover which should be read in
conjunction with these Terms in this booklet.
If there is a conflict between these Terms and the
RAC European Cover Terms, then these Terms
will prevail.

As those terms include a Fair Use of 6 callouts per year then that would appear to override the RAC standard T&Cs.

I have emailed the RAC for clarification and will post once I get an answer..

So far not a peep out of the RAC customer support, so that's not too encouraging....

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[Cavs]

When I mentioned that RAC breakdown cover at £79 would have time and trip restrictions, I was told to ring RAC direct and they would provide an extended period of cover, with 25% discount for being insured with C&CC.

Update from RAC: I was quoted £233 after applying the C&CC discount I told the operator about the ADAC cover so he took some notes saying it was part of his job to assess the competition

 

[Robin McHood]

@Cavs @Andy in Lossie
Finally a reply from the RAC!!
Quote:-
Thank you for your enquiry received on 21 April 2016.

Re - 'This relates to RAC Arrival membership via the Camping and caravanning Club. I'm trying to understand a couple of anomalies between the T&C's. In the Ärrival Cover to Cover document its states that motorhomes are covered up to 6 callouts a year but in the European T&Cs it says one callout per trip and limits trips to 90 days duration though the C&CC site refers to 365 days European cover. Can you clarify please if this 90 day trip limit and one callout per 90 day trip applies to C&CC members covered by Arrival? Thanks & Best regards.'

I can confirm If there is a conflict between the RAC Arrival Membership Terms and Conditions and the RAC European Cover Terms and Conditions then the European Cover Terms and Conditions will prevail.

That said, restricting European Breakdown Cover use to 1 call out per trip and max trip length 90 days doesn't actually conflict with the Arrival terms.
There are no restrictions on how often you can go abroad, so the “5 call outs per year” would apply.

Unquote

So from that I can go on max 90 day trips as long as I don't have more than one breakdown during the trip..... but then if I've had a breakdown which is sorted and I continue my trip I'm not covered either way, I'd have to go back to the UK immediately after the breakdown. Quick return trip via the chunnel and I'm tickety boo again..
Shades of the guys who live out here doing visa runs to Cambodia every few months....

I think Comfort is calling for next years insurance/recovery....

 

[Robin McHood]

Ohhhhh, good luck with that then

Well the second one was 10 times the first one, unfortunately the first one was £2.50.....

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