1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Breakdown cover. Worth it?

Discussion in 'Motoring Related Discussion' started by Yugguy, May 21, 2019.

  1. davemercedes

    davemercedes Senior Member

    Messages:
    2,363
    Likes Received:
    583
    Joined:
    Jun 15, 2012
    Location:
    Worcs
    Your Mercedes:
    2007 Merc 220 CDi Est Auto Av
    Oh yes, Yuggy... But it's still just about worth it. Costs have crept up to £13 pcm but the account pays 3% on balances up to £2500 and they provide UK/Euro RAC type cover plus year-round "free" travel insurance - which is free but excess charges apply for age and existing conditions (although I checked this year and our travel cover fees were less than a quote for 2-weeks cover from a broker). They also provide free mobile phone cover that I don't bother with but if I followed our kids and spent a fortune on the latest i-phone/whatever it would be worthwhile.
     
  2. sonic

    sonic Senior Member

    Messages:
    901
    Likes Received:
    282
    Joined:
    Nov 21, 2009
    Location:
    Staffordshire
    Your Mercedes:
    E350CDI, SLK200K, FJR 1300
    In 52 years of motoring I have always managed to get home. But I have Nationwide's Flex Plus, which I have never used.
    Their world travel & medical cover is very good. My wife broke her kneecap in Dubai on our way to Vietnam, so we had to return home. Put a £12K claim in paid out except £50 excess. Last November we should have gone to Dubai again this time on a cruise. 10 days before my wife had to have a urgent hip replacement. Claimed cancelled holiday, paid out in full £9K. Very good service.
     
  3. keefysher

    keefysher Senior Member

    Messages:
    3,044
    Likes Received:
    1,112
    Joined:
    May 4, 2007
    Location:
    Hampshire
    Your Mercedes:
    W166 GLE350AMG Line 3.0 2017. BMW Z3 2.8 1998.
    Are there age / length of holiday restrictions on that travel insurance?
     
  4. sonic

    sonic Senior Member

    Messages:
    901
    Likes Received:
    282
    Joined:
    Nov 21, 2009
    Location:
    Staffordshire
    Your Mercedes:
    E350CDI, SLK200K, FJR 1300
    30 days standard cover, but you can buy an extention.
    Up to 69 years, 70 onwards you have to buy an extension. I will have to do that next year, I think its £25 & that's a couple joint account.
     
    keefysher likes this.
  5. davemercedes

    davemercedes Senior Member

    Messages:
    2,363
    Likes Received:
    583
    Joined:
    Jun 15, 2012
    Location:
    Worcs
    Your Mercedes:
    2007 Merc 220 CDi Est Auto Av
    With travel insurance, it's not just the age extension that boosts the cost - you have to declare all existing medical conditions (and the same for SWMBO if you have one). Being both in our mid 70's we have quite a few bits to list - and of course if you don't declare something you could find yourself with a large bill or in the worst case, maybe abandoned somewhere. One thing is not to renew or set up the age/existing conditions extras unless/until you're actually going to be travelling again.

    SWMBO and I went on a cruise in May and renewed the cover and took out both extensions - total cost for the two of us was £445.80 (which is less than £4.30 each per week). I just checked and while they don't seem to limit the number of times you use the cover, the maximum break covered is 31 days (although they will quote if you need more). This time before I paid up I rang a couple of companies offering short term e.g.: 2-weeks cover and one of them refused to quote without a detailed medical history and the other one was dearer for two weeks than than Nationwide's price for a year!

    But as we've said before, you take out insurance for the accident you hope will never happen... On the second day of our holiday I fell while trying to tie up my shoe laces (no I hadn't had a drop me lud!) and with an enormous bang, I hit the fridge cabinet with my back. I didn't go to the sick bay for about three days thinking it was just bruising but the pain became unbearable so I ended up with various medication and wheelchair trips to the medical centre. I came home with a medical bill for $1549 (£1219) and the claim is in progress. I asked the insurers if it affected future premiums and they said emphatically not. It was actually quite nasty though - back home our GP arranged detailed XRays and I have a fracture low down my back in the ribs area and I'm still taking morphine to relieve the pain and I just have to wait for it to heal.

    Sorry Sonic, but like all insurers they come at you from every angle - since 3 January 2019, Nationwide changed the cost of an age upgrade from £50 to £65, as well as lowering the age requirement for the upgrade from 75 to 70 years.
     
    sonic and Blobcat like this.
  6. sonic

    sonic Senior Member

    Messages:
    901
    Likes Received:
    282
    Joined:
    Nov 21, 2009
    Location:
    Staffordshire
    Your Mercedes:
    E350CDI, SLK200K, FJR 1300
    Thanks for the update I couldn't find the letter Nationwide sent me. But they were very good I was 70 in January, & my renewal is in November. They said the increase is at the next renewal, next November.
    Once you are 70 insurance companies become very picky, & most will exclude you. So get a decent company before you are 70 & stick with them.
     
  7. Frontstep

    Frontstep Senior Member

    Messages:
    6,638
    Likes Received:
    626
    Joined:
    Apr 22, 2007
    Your Mercedes:
    T210 320cdi
    Breakdown Insurance is overpriced and utterly useless till one snowy January night your car stops with a dashboard full of warning lights and a back seat full of elderly relatives, then it seems a relative bargain as the recovery vehicle arrives.

    Then my cars cps decided to pack up on a busy roundabout that was bad enough and its a heavy old tub to push.

    Twice bitten......
     
  8. daibevan

    daibevan Senior Member

    Messages:
    948
    Likes Received:
    511
    Joined:
    Sep 29, 2015
    Location:
    Plymouth
    Your Mercedes:
    W203 C200 Kompressor Elegance SE 2006
    28 of the last 30 years it has been a total waste of money. 1 year it was helpful and 1 year it was a godsend. I hate paying for it, but would not be without it.
     
  9. daibevan

    daibevan Senior Member

    Messages:
    948
    Likes Received:
    511
    Joined:
    Sep 29, 2015
    Location:
    Plymouth
    Your Mercedes:
    W203 C200 Kompressor Elegance SE 2006
    A workmate went to the Pyrenees in his VW camper without cover. He went for a bike ride & his wife went for a drive, ignored the temp gauge and blew the head gasket. By the time they got it home the spend would have bought a nice little runabout.
     
  10. Rob76

    Rob76 Senior Member

    Messages:
    100
    Likes Received:
    49
    Joined:
    May 13, 2018
    Location:
    Coventry, UK
    Your Mercedes:
    S211 E280 CDI Sport
    I took my VW camper to Milan for the Italian GP; blew an intercooler in Lucerne on the way down! Managed to limp down to Italy and back with black smoke pouring out the back: It was like a Cheech n Chong Movie!! Had something more important failed - I would have been well and truly fubar'ed......
    The wife was NOT impressed that i didnt have breakdown cover....For me - it's worth if if just for peace of mind
     
    daibevan likes this.
  11. McDonald

    McDonald Senior Member

    Messages:
    977
    Likes Received:
    786
    Joined:
    Apr 11, 2017
    Location:
    Surrey
    Your Mercedes:
    SL500 2004
    My daily runaround (2002 Peugeot 206) started running rough this week. AA man was first class. Located the faulty injector precisely and apologised that he doesn't carry the part, it will have to go to a garage. He reckons the part is about £100 and under an hour to fit it. Meanwhile the car will run on 3 pots, so I can drive it to a garage. A really valuable service.
     
    daibevan likes this.

Share This Page