Car & Caravan Breakdown Insurance

Extugger replied on 15/02/2017 16:00

Posted on 15/02/2017 16:00

There are many discussions about various breakdown companies, both here and in Europe, but after extensive research, I decided to give Driver Guardian a try (Uk company too)

www.driverguardian.co.uk

Cover includes: (Cover costs £79)

  • Car and Caravan
  • Homestart
  • Roadside Assistance
  • Full European & Nationwide Recovery
  • Onward travel

A mobile friendly, English speaking operator.....all for £79. YES...£79!!!!                                       (Sorry, I got a 10% discount for my second year....i paid £71.10)

Apologies C.C. but Red Pennant is a ridiculous price in comparison; ADAC is good value but dearer and slightly messy to set up (twice put the phone down on me)

dmiller555 replied on 23/02/2017 13:30

Posted on 23/02/2017 11:27 by Fysherman

Those ARE the differences dm

Posted on 23/02/2017 13:30

I'm not doubting you for one moment but as GF told me that that their weren't any when I ask to transfer from one scheme to the other I would like the oppotuniay to talk to them; if that's OK with you?

Fysherman replied on 23/02/2017 13:48

Posted on 23/02/2017 13:48

Why the narky reply? Just trying to help. 

I'll avoid any future posts from you if that's typical of your replies.

 

Wildwood replied on 23/02/2017 19:46

Posted on 22/02/2017 22:46 by Dr Nigel

I got a full 12 months cover for car and caravan in UK and Europe with eurobreakdown.com for £99 - maximum trip time is 31 days.

 

 

Posted on 23/02/2017 19:46

Will it pick up the caravan if you are off site when a problem occurs? You need to check this as the web site is not clear.

KjellNN replied on 23/02/2017 23:02

Posted on 23/02/2017 23:02

If Mayday is not significantly more expensive than the standard Green Flag, then it is a no brainer.

Mayday is specifically designed for caravanners, so there are no risks with  it.

We have had occasion to use it only 3 times in the last 10 years........first time when we had a total gearbox failure, they took us to our site and next day took our  car to the dealer of our choice......second time was when we had a puncture on the caravan on our way to our dealer, they came out and changed the wheel........third time was when our mover totally failed when getting the van off the  drive to take it for a repair to the air con, they came out and got the van onto the street and hitched to the car, which we could never have done by ourselves.

I cannot see other breakdown services doing that!

DougS replied on 24/02/2017 09:12

Posted on 23/02/2017 23:02 by KjellNN

If Mayday is not significantly more expensive than the standard Green Flag, then it is a no brainer.

Mayday is specifically designed for caravanners, so there are no risks with  it.

We have had occasion to use it only 3 times in the last 10 years........first time when we had a total gearbox failure, they took us to our site and next day took our  car to the dealer of our choice......second time was when we had a puncture on the caravan on our way to our dealer, they came out and changed the wheel........third time was when our mover totally failed when getting the van off the  drive to take it for a repair to the air con, they came out and got the van onto the street and hitched to the car, which we could never have done by ourselves.

I cannot see other breakdown services doing that!

Posted on 24/02/2017 09:12

I agree totally about the Mayday/Green Flag cost thing but I believe the differences which allow the Club product to be differentiated (sales reasons) seem to be: no length limit, towing or not, misfuelling cover, and dual recovery. Plus, of course, you have to be a member of the Club.

https://www.greenflag.com/breakdown-cover/caravan-trailer

My other nagging point is that all organisations selling breakdown cover have to get providers to attend and they will use intermediaries including the few major organisations (AA, RAC, ADAC etc) who actually have their own van fleets. 

However, I suspect the bulk of the work will be done by local providers who are under contract. If they don't keep the customers happy then they are likely to be dropped. I don't know if even Green Flag have their own fleet?

I'd like to know for all of these rave reviews of Club service - who actually attended (as they'd probably attend for any breakdown in that location if they were available)?

Other posters have said that this is a minefield, which it is but I don't honestly believe that other cover should be rubbished providing the tiny print matches your need.

I do wish, as I've said, that the many points raised in this and other threads should be written in plain English for caravanners (this is different for motorcaravans ;-) ). The company that does that will get a lot of votes.

Edit: Or better, the Club product covered UK and Europe (choice) and stopped being a confusing mish mash of personal, accident, breakdown and travel insurance needing extra policies for non-van holidays, there, I've said it again.

dmiller555 replied on 24/02/2017 10:22

Posted on 24/02/2017 10:22

I've seen plenty of Green Flag vehicles around here, whether they are operated by contractors or not I've no way of knowing.

I suppose it could be the same van that I keep seeing, must make a note of it's number next time I see it. wink

replied on 24/02/2017 10:45

Posted on 24/02/2017 10:45

However, I suspect the bulk of the work will be done by local providers who are under contract. If they don't keep the customers happy then they are likely to be dropped. I don't know if even Green Flag have their own fleet?

Green Flag do have there own fleet but also use local firms as well. In the last 5 or 6 years I have called on their services 4 times. 3 times they were Green Flag vehicles. I think most of the recovery is contracted out though. I suspect that in the wilds of Scotland it is more likely to be local firms contracted to them. 

replied on 24/02/2017 10:47

Posted on 24/02/2017 10:47

If I got bogged down on a CL I know which breakdown service I would then wish to be with (As a Caravan Club Member). Mayday

Extugger replied on 24/02/2017 11:10

Posted on 24/02/2017 11:10

Thank you for your replies fellow members (albeit now of a different Club, cough!)

Just to reiterate.....I need European and UK cover and because my caravan is new and still under warranty (therefore it's unlikely to breakdown, but if it does, it will be attached to the car) and because I have european insurance cover, which we all have to have anyway, decided to go with them for a second year @ £71.10

 

Will let you know if there are any problems

Fysherman replied on 24/02/2017 11:26

Posted on 24/02/2017 11:26

The reason I go with one of the 2 clubs insurance is to fully cover the caravan.

I see your point about the caravan being new but 2 scenarios come to mind straight away. Firstly a puncture on the caravan wheel. My spare wheel is tucked so far under the chassis there is no way I could get it out and fit it myself at the side of the road. Doubt I could even get a jack under despite using all the old timers tricks. The other reason is if someone crashes into the caravan and makes it unroadworthy. I have seen this happen a number of times and that's when you realise only the 2 clubs insurance is going to get you out of the mire.

That's from research done a couple of years ago now so its possible that by now another insurer has changed their terms and conditions.

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