LV=Britannia UK & European Breakdown Cover vs AA

D

dnhunter

Joined
Jul 13, 2020
Posts
21
Likes collected
9
Location
Lymington
Funster No
72,979
MH
C Class
Exp
1 year
I've been an AA member for 10+ years, but this year they want £119 for UK cover (after I phoned & had it reduced from £163) for myself & spouse and a further £112.35 for zone 2 European cover.
It seems I can get the same cover from LV=Britannia for both of us for all of Europe for £190.
Leaving any discussion of the LV sell-off to private equity (ahem!) does anyone have any experience with LV=Britannia breakdown cover? Or an AA comparison?
Our MH is a Chausson 640 Welcome 3,500kg.
TIA
 
Sort by date Sort by votes
Our LV cover cost us £81 for the UK & EU in the following countries:

1638620898420.png
 
Upvote 0
Got to agree that your quote for LV Brittania seems very high. Cheapest ways to access their cover are as an add on to their vehicle insurance or through club rates for Boundless https://www.boundless.co.uk/save-more/lv-car-insurance?k=mss-motoring~all&o=1&n=2 - you can get a quote there without joining. We are Boundless members & can refer anyone interested in joining but would also shop around extensively before committing to anything. Ironically we have Nationwide account for travel insurance cover as well as recovery :)
 
Last edited:
Upvote 0
dnhunter said:
Are you also insured with LV=? I can't get an online quote that low for both of us UK & Europe from them.
Click to expand...
Sorry, I should've said it was not LV ... it's a Eurobreakdown policy ... sorry!

European Breakdown Cover

Save over 50% against the AA , RAC and Green Flag on European breakdown cover for cars, 4x4s, light vans, minibus, campervans, motorhomes, motorcyles, motorbikes, light vans, hire cars up to and including 15 years old with
www.eurobreakdown.com www.eurobreakdown.com

Subscribers  do not see these advertisements

 
Upvote 0
Minxy said:
Sorry, I should've said it was not LV ... it's a Eurobreakdown policy ... sorry!

European Breakdown Cover

Save over 50% against the AA , RAC and Green Flag on European breakdown cover for cars, 4x4s, light vans, minibus, campervans, motorhomes, motorcyles, motorbikes, light vans, hire cars up to and including 15 years old with
www.eurobreakdown.com www.eurobreakdown.com
Click to expand...
I hope you haven't - but have you ever had to use them and see if they're any good?
 
Upvote 0
Wombles said:
Got to agree that your quote for LV Brittania seems very high. Cheapest ways to access their cover are as an add on to their vehicle insurance or through club rates for Boundless https://www.boundless.co.uk/save-more/lv-car-insurance?k=mss-motoring~all&o=1&n=2 - you can get a quote there without joining. We are Boundless members & can refer anyone interested in joining but would also shop around extensively before committing to anything. Ironically we have Nationwide account for travel insurance cover as well as recovery :)
Click to expand...
Thanks - but for clarity the AA for UK+Zone 2 Europe = £131.35
LV= for UK and all European zones = £190.

I'm pretty cross with the AA whose UK premium for myself and wife last year was £83 and that's gone up to £119 - and that's after ringing them and pointing out that I'm a Gold member with 10+ years membership!

Just really wanted to know if anyone had used LV=Britannia at all and were they any good.
 
Upvote 0
I had a small issue on a trip in September and had to call LV breakdown - I have been a member for years but never had to use them. The people they sent out were totally useless and I decided on limping to a healpful garage, fortunately something minor and soon fixed. LV ended up conpensating me.

I think that LV is good value for Boundless members but the problem with it is that they rely on a network of local recovery/repair people and the quality of these varies - well I assume it does, they can't all be as bad as the ones they sent out to me.
 
Upvote 0
Whatever company you use the service often comes down to the third party they use certainly when you are abroad.

Subscribers  do not see these advertisements

 
Upvote 0
dnhunter said:
I hope you haven't - but have you ever had to use them and see if they're any good?
Click to expand...
No I haven't had to use them fortunately however when I looked into it I found it's underwritten by Ageas the same as many of the others so what is covered it is exactly the same (and to the same level) as the policies being offered by the more well known companies who are just 'resellers' so couldn't see the point in paying a heck of a lot more for the same thing.
 
Upvote 0
one thing to note is in the event of a prang your breakdown cover will not help unless having heard from your insurance that they will pick up all costs. in my case, I had a breakdown cover via my insurance, but the large recovery service would not even attend until the insurance contacted themto say they would pay for the recovery
 
Upvote 0
SSILVO said:
one thing to note is in the event of a prang your breakdown cover will not help unless having heard from your insurance that they will pick up all costs. in my case, I had a breakdown cover via my insurance, but the large recovery service would not even attend until the insurance contacted themto say they would pay for the recovery
Click to expand...

Indeed, it’s a common misconception that your breakdown cover will recover your vehicle in the event of an accident. An accident isn’t a breakdown.

Ian
 
Upvote 0
Have euro breakdown cover with Britannia and have used them with great results. Couldn’t be happier with what they did and get a discount via boundless, previously CSMA.
 
Upvote 0
SSILVO said:
one thing to note is in the event of a prang your breakdown cover will not help unless having heard from your insurance that they will pick up all costs. in my case, I had a breakdown cover via my insurance, but the large recovery service would not even attend until the insurance contacted themto say they would pay for the recovery
Click to expand...
bigtwin said:
Indeed, it’s a common misconception that your breakdown cover will recover your vehicle in the event of an accident. An accident isn’t a breakdown.

Ian
Click to expand...
Yes - something I was aware of made sure I checked the T&Cs of the breakdown policy before purchasing it.

What is insured?
An electrical or mechanical failure, lack of fuel, Accident, vandalism, theft, attempted theft, misfuel,​
flat battery or puncture to the vehicle, which immediately renders the vehicle immobilised.​
​
Accident​
A collision immediately rendering the vehicle immobile or unsafe to drive.​

Subscribers  do not see these advertisements

 
Upvote 0
Minxy said:
Yes - something I was aware of made sure I checked the T&Cs of the breakdown policy before purchasing it.

What is insured?​
An electrical or mechanical failure, lack of fuel, Accident, vandalism, theft, attempted theft, misfuel,​
flat battery or puncture to the vehicle, which immediately renders the vehicle immobilised.​
​
Accident​
A collision immediately rendering the vehicle immobile or unsafe to drive.​
Click to expand...
who was that with Mel ?
 
Upvote 0
SSILVO said:
who was that with Mel ?
Click to expand...

Eurobreakdown:
Minxy said:
Sorry, I should've said it was not LV ... it's a Eurobreakdown policy ... sorry!

European Breakdown Cover

Save over 50% against the AA , RAC and Green Flag on European breakdown cover for cars, 4x4s, light vans, minibus, campervans, motorhomes, motorcyles, motorbikes, light vans, hire cars up to and including 15 years old with
www.eurobreakdown.com www.eurobreakdown.com
Click to expand...
 
Upvote 0
Lenny HB said:
Have you considered changing your insurance for one that has a breakdown cover option. We pay £65 for full European AA cover with Comfort Insurance.
Click to expand...
But you can't take out the breakdown cover seperately, you have to have their insurance.
 
Upvote 0
bigtree said:
But you can't take out the breakdown cover seperately, you have to have their insurance.
Click to expand...
Could be that's why I said "have you considered changing your insurance" .

Subscribers  do not see these advertisements

 
Upvote 0
Lenny HB said:
Could be that's why I said "have you considered changing your insurance" .
Click to expand...
I'm currently with Comfort but have found that NFU is much cheaper including seperate breakdown cover. :xsmile:
 
Upvote 0
I always assumed rightly or wrongly, that The NFU was primarily for Farmers and all their associated insurance needs. They have never offered me a competitive quote, I assumed it was because there aint many farms in Surrey, just stock brokers.:giggle:
I am also with comfort, and like Lenny I have their Euro breakdown cover, but have never had to call on it yet.🤞
LES
 
Upvote 0
TinaL said:
I always assumed rightly or wrongly, that The NFU was primarily for Farmers and all their associated insurance needs. They have never offered me a competitive quote, I assumed it was because there aint many farms in Surrey, just stock brokers.:giggle:
I am also with comfort, and like Lenny I have their Euro breakdown cover, but have never had to call on it yet.🤞
LES
Click to expand...
NFU branches work like independants so you need to ask branch that is used to dealing with Motorhomes, like Louth or Chichester ask another branch they will either decline or quote silly prices.
 
Upvote 0

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Join us

Log in

Already a member? Log in here.

Latest journal entries

Back
Top