Breakdown Cover for Over 3.5t?

[Wissel]

Doing a little more research on next base vehicle and see that Fiat can supply a 180bhp L4H2 Ducato rated at 4.25t. This is tempting as it will give a lot of flexibility, plus my plan is to fit quite large water tanks.

But, with breaking down a lot lately , I'm a little concerned about breakdown cover. I know my current cover only covers to 3.5t.

Obviously there must be a good few options for all you that have much larger vans, but I wondered which cover is the better option in peoples opinions?

This van will be used full time and have proper full time insurance (if that makes a difference).

Thanks.

 

[PJGWiltshire]

Open a Nationwide flex plus account gives breakdown cover unto 7 ton. Cost £13 per month. If you can stick £3000 in the account and you earn £75 interest per year. So the breakdown cover costs £75 in real terms. The account also then gives travel and mobile home insurance.
Once open even if you do not put in the cash to earn interest, for £150 (£13x 12), it still good value. You do not have to actively use the account just pay the fee.

Alternatively Comfort insurance throw in breakdown cover

 

[PJGWiltshire]

Open a Nationwide flex plus account gives breakdown cover upto 7 ton. Cost £13 per month. If you can stick £3000 in the account and you earn £75 interest per year. So the breakdown cover costs £75 in real terms. The account also then gives travel and mobile home insurance.
Once open even if you do not put in the cash to earn interest, for £150 (£13x 12), it still good value. You do not have to actively use the account just pay the fee.

 

[Sundowners]

We have breakdown cover included in our insurance with Safeguard for our six ton van. We are also covered with our Nationwide Flex Plus account, and also can draw cash free from ATM's abroad with that account debit card.

 

[Casper46]

Am I correct that the Nationwide Flex Plus is limited to 90 days a year. I know that it costs extra for over 70’s but not sure about the time limit.

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[chaser]

we have this www.first4recovery.co.uk not had to use them but very friendly people on the phone , they do over 3.5 and are cheap to boot.

 

[jtp890]

Green flag cover

 

[peterc10]

We get our breakdown cover for the moho through its insurance. Covers whatever weight the vehicle being insured is.

 

[Minxy]

The reason there is a difference is that when you go over 3500kg you go into the 'commercial' class of recovery which some will cover and others won't, or will with some reductions so you don't get X and Y included (usually no overnight hotel accommodation, hire car etc), but the basic cover is normally the same.

We are with Safeguard and their policy includes breakdown, but our camper also has Fiat Assist anyway for the first 2 years however it doesn't include everything hence why we insured with Safeguard (also the cost with them was as good as or better than without breakdown elsewhere!).

Your sticking point may be that the insurer you use for full-time cover may not provide breakdown cover so you might have to buy that separately but that shouldn't be difficult.

Now, back to the unasked question ... I thought you were revamping your current van to live in ... where's the talk of a new one come from???? ... how's the current one coming on?

 

[PJGWiltshire]

Am I correct that the Nationwide Flex Plus is limited to 90 days a year. I know that it costs extra for over 70’s but not sure about the time limit.

Thats health, you can pay extra to cover 180 days

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[Wissel]

Thanks.

Now, back to the unasked question ... I thought you were revamping your current van to live in ... where's the talk of a new one come from???? ... how's the current one coming on?

This should answer that:
Broken Link Removed

 

[Rapido925M]

If you decide to go down the NationWide route (to my mind, it's a non-brainer), remember that using the "Introduce a Friend" scheme, it is possible to get a £100 cash pay out for you AND a £100 for the NationWide member who introduces you.

So another non-brainer, as that pays for most of the first year of cover [longer if you keep £2500 in the account, but only 8 months if you don't have that money hanging around].

ALSO, NationWide do a "regular saver" account which pays 5% interest.

Gordon

[Obviously, happy to be a "friend" if you don't know anyone else. ]

 

[Casper46]

If you decide to go down the NationWide route (to my mind, it's a non-brainer), remember that using the "Introduce a Friend" scheme, it is possible to get a £100 cash pay out for you AND a £100 for the NationWide member who introduces you.

So another non-brainer, as that pays for most of the first year of cover [longer if you keep £2500 in the account, but only 8 months if you don't have that money hanging around].

ALSO, NationWide do a "regular saver" account which pays 5% interest.

Gordon

[Obviously, happy to be a "friend" if you don't know anyone else. ]

We already bank with Nationwid, just a Flex account so would only need to upgrade, but thanks for the offer.

 

[jezport]

The reason there is a difference is that when you go over 3500kg you go into the 'commercial' class of recovery which some will cover and others won't, or will with some reductions so you don't get X and Y included (usually no overnight hotel accommodation, hire car etc), but the basic cover is normally the same.

We are with Safeguard and their policy includes breakdown, but our camper also has Fiat Assist anyway for the first 2 years however it doesn't include everything hence why we insured with Safeguard (also the cost with them was as good as or better than without breakdown elsewhere!).

Your sticking point may be that the insurer you use for full-time cover may not provide breakdown cover so you might have to buy that separately but that shouldn't be difficult.

Now, back to the unasked question ... I thought you were revamping your current van to live in ... where's the talk of a new one come from???? ... how's the current one coming on?

Fiat assist is for 3 years on my van.

 

[Minxy]

Fiat assist is for 3 years on my van.

Might be on ours, I was being 'conservative' as couldn't be bothered to check the booklet!

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[Stonemags76]

Am I correct that the Nationwide Flex Plus is limited to 90 days a year. I know that it costs extra for over 70’s but not sure about the time limit.

You can upgrade the time limit - we currently have 100 days & it cost about £70 from memory. A lot cheaper than separate travel insurance!

 

[denisejoe]

You can upgrade the time limit - we currently have 100 days & it cost about £70 from memory. A lot cheaper than separate travel insurance!

Not if you have health problems

 

[PeteH]

My insurance is via my CCC membership and covers me for recovery via the RAC at 3.8 tonne. And up to 180 days away.