Breakdown and personal insurance abroad

Discussion in 'Motorhome Insurance General Discussion' started by Sylvia Want, Nov 5, 2018.

  1. Sylvia Want

    Sylvia Want Funster

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    Hi
    I am now looking at both breakdown and personal insurance for our trip to Spain Jan and Feb
    Any advice on who to use and maybe avoid
     
  2. mitzimad

    mitzimad Funster

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    quite often you can get breakdown cover with your insurance personal insurance you need to trawl the web to find what suits you
     
  3. QFour

    QFour Funster

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    Red Pennant is really good. If you have a problem they are very helpful and keep in contact with you until its solved or you get home.
     
  4. Jim

    Jim Ringleader

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    We've always enjoyed breakdown cover along with our insurance. Holiday insurance is always bought on a trip by trip basis. If you shop around there are lots of companies and you should find precisely what you need at the right price (y)
     
  5. Koppersbeat

    Koppersbeat Funster

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    Nationwide Flex Plus bank account covers it all.
     
  6. monzer

    monzer Funster

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    Little bump for this as although I have motor insurance sorted for my extended Euro trip I am still looking for personal travel insurance. Any recommendations?

    When using the compare sites would a 9 month+ trip through various European countries class as back packers insurance or a multi trip?
     
  7. Mikeco

    Mikeco Funster

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    We have used the Camping Club for our 6 months trip, basic cost was £104 each plus any add ons for pre existing conditions. Mine cost £9.40 and the quote for my wife was around £680, quess who’s not covered.
     
  8. mikebeaches

    mikebeaches Funster Life Member

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    We have used Columbus Direct successfully for a number of years. We always have an annual multi-trip policy and you can choose single trip lengths of 30 days, or 45 days or possibly longer?

    We used to pay about £85pa (to cover both of us) for a Bronze Europe only policy, but when I reached 65 it doubled - which I still found acceptable value. We have quite a few medical conditions listed, but fortunately nothing too serious.

    https://www.columbusdirect.com/
     
  9. berni109

    berni109 Funster

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    From my experience so far the nationwide travel insurance for medical emergency is not worth the paper it's written on or the space it takes up in the internet.
    I will post more details as a warning to others when I get a final answer.
     
  10. joka250

    joka250 Funster

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    As per @QFour another vote for CAMC Red Pennant. Just received my renewal down by £60 on last year, £370 for vehicle self and Janet, all health conditions (mine, she's condition free) to a greater level than I'm likely to need, very comprehensive vehicle cover all of Europe for up to 66 days at a time (longer available) and total for year is 247 days I think (got to double check that).
    C&CC didn't want to know and as @berni109 said Nationwide Flex Plus an absolute non starter. Haven't gone to huge lengths to find alternative but best I could find on comparison sites was £408 for personal cover for the 2 of us with 45 day limit and no vehicle cover.
    NOT everybody will gain from the Red Pennant policy as it is geared up to complex health needs but I can't find anything better.
     
  11. carolyn

    carolyn Funster

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    Oh dear, that does not sound good.
     
  12. Mikeco

    Mikeco Funster

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    I think that you will that none of the normal travel insurance companies policies include any medical cover apart from repatriation. The ones I looked at which includes Staysure, Caravan Club and the Camping Club say that you should use your EHIC insurance for any medical treatment. One of them clearly told me that it was travel insurance not medical insurance.
     
  13. mikebeaches

    mikebeaches Funster Life Member

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    That is very strange. Medical cover - including all types of emergency treatment - is normally an integral part of personal travel insurance.
     
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  14. Mikeco

    Mikeco Funster

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    That’s what I used to think until I asked them, I am only talking about insurance within the normal eu countries and not worldwide.
     
  15. denisejoe

    denisejoe Funster Life Member

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    We use Eurotunnel Multi trip personal insurance. Costs £88 per couple and you don't need to declare any conditions. It's valid as long as your doctor will confirm that you are fit for travel if you need to claim. It is only available for 31 days at a time which suits us at the moment. Other insurances were coming in at ridiculous amounts as we both have medical problems, all of which are controlled by medication and unlikely to cause problems.

    It is Europe only cover and you don't have to be travelling by Eurotunnel to use it!

    Denise
     
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  16. mikebeaches

    mikebeaches Funster Life Member

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    All I can say is that the company I referenced earlier - Columbus Direct - which we've used for some years, certainly includes full emergency medical treatment, in addition to repatriation if required.
     
  17. joka250

    joka250 Funster

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    The cover I purchase from Red Pennant covers all medical aspects. It does require presentation of EHIC at time of treatment but this is so that any local treatment covered by reciprocal arrangements is given. Beyond that it pays for anything else required. This is confirmed to me verbally and in writing and covers all of geographic Europe and for all pre existing conditions.
     
  18. Mikeco

    Mikeco Funster

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    You do not need the travel insurance though to get any treatment required, even things like heart surgery and other major operations are, at the moment covered by the EHIC which is why the insurance company’s ask you to use it. The only thing not covered is repatriation which is what you are paying for in the event that you need it.
     
  19. joka250

    joka250 Funster

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    The information I have from both insurance company and DWP is contradictory to that and certainly personal experience also contradicts that.
     
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  20. mikebeaches

    mikebeaches Funster Life Member

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    I have an elderly close relative that suffered a fall in Tenerife who had an EHIC card, but no travel insurance, and ended up with medical and other expenses of circa £25,000 as a result (not including repatriation - he was eventually able to return to the UK on a scheduled flight).
     
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