Who hasn't got Accident and Breakdown recovery?

[dizzyblonde]

well if you don't have breakdown in with your insurance, then your a bit silly.
Maybe not the org way to say things, but you have to cover yourself for these things and not expect others to help out. But none of us leave each other stranded anyway, as we're not that sort of folk.

Mod Edit - thread split off from Gm3 discussion thead. Into this one which is why it starts in an odd way...

Apologies cant do much about it...

Fizz

[independentphoto]

Yes indeedy folks - cover your own arses. I'm happy to stop and help on any run and enjoy getting oily, however none of us are only ever out on the roads with the org. It therefore makes sense that you have some level of recovery service for your bike. I wouldn't be without it although at the same time, I hope not to need it.

It's not the way we do things, but that's because we're nice folk and not that we feel that we need to wipe your backsides! It's always wise to work on the assumption that there won't be someone passing with the right bits at the right time.

Garry
:smt020

[Dave20046]

well if you don't have breakdown in with your insurance, then your a bit silly.
Maybe not the org way to say things, but you have to cover yourself for these things and not expect others to help out. But none of us leave each other stranded anyway, as we're not that sort of folk.
I didn't have breakdown cover until GM2, and I used it too. Only cost me £15, Paid off. Just renewed with nci, and they look the best - not used em yet though. Think it's worth it for most of us.

[DaveP]

The spirit of the org was summed up at the GM II on friday night...

Badger had a slight problem that despite the best efforts of at least 10 guys we could not seem to understand...let alone begin to fix. He had tools.. I had tools... northy and bibbio had tools... YC tuened up and got a fix on the problem within about two minutes... By which time it was pitch black and raining...

However... it may have been crappy weather, it may have been about midnight but there wast still a good number of us stood out there badgering away to make sure that this bike was fit to make the start line in the morning... And it Did!!

This is the spirit of the ORG!

But even with more than enough tools, hands and knowledge its still took a long time to fix. Out on the road this would not have been possible. We all should carry the basics at the very least and with a bit of good look shoud anything go wrong we can fix it.

Dave

[-Ralph-]

I would never want to see the spirit of the org change, but it's exactly because we will do anything to stop and help that you need to have breakdown cover.

If you break down without any cover you are not only causing a problem for yourself, but you are also putting that problem onto anybody else who stops to help you, because they don't feel that they can just leave you there, and if they stick you on pillion and take you home, they worry about a passing van lifting your bike, and they miss out on the rest of their ride-out.

If you have breakdown cover and you can't get the bike going again, at least those who stopped to help you can then leave you at the roadside, safe in the knowledge that the AA/RAC will pick up both you and your bike and see you home safe.

Instead of just you standing at the side of the road thinking "oh f**** I wish I'd bought breakdown cover", you also have somebody else stuck there with you thinking "oh f***** the silly t**t doesn't have breakdown cover, I'm stuck here with him for hours until we figure out a way of getting him and the bike home", and that's not fair.

[independentphoto]

Not quite what I was thinking Ralph, but close. You need breakdown cover because one day/night there will NOT be someone to help.

[Dave20046]

I would never want to see the spirit of the org change, but it's exactly because we will do anything to stop and help that you need to have breakdown cover.

If you break down without any cover you are not only causing a problem for yourself, but you are also putting that problem onto anybody else who stops to help you, because they don't feel that they can just leave you there, and if they stick you on pillion and take you home, they worry about a passing van lifting your bike, and they miss out on the rest of their ride-out.

If you have breakdown cover and you can't get the bike going again, at least those who stopped to help you can then leave you at the roadside, safe in the knowledge that the AA/RAC will pick up both you and your bike and see you home safe.

Instead of just you standing at the side of the road thinking "oh f**** I wish I'd bought breakdown cover", you also have somebody else stuck there with you thinking "oh f***** the silly t**t doesn't have breakdown cover, I'm stuck here with him for hours until we figure out a way of getting him and the bike home", and that's not fair.


RAC/AA: people with this sorta cover who aren't from scotland want to double check their Ts & Cs, I've recently bought breakdown with NCI, reason I chose them (other than price) was because AA & RAC's top packages wouldn't deliver me home from scotland they'd just take me to a garage. They also don't recover me in an accident, although that can be got around to a degree;)

[-Ralph-]

You need breakdown cover because one day/night there will NOT be someone to help.

Yes, but that's obvious, everyone knows that's a possibility and if they have chosen not to pay for breakdown cover they have already accepted that risk, so you're not going to convince them otherwise on that basis.

However, people may not already have thought about the impact on others of breaking down without cover on an organised ride-out miles from home.

The organisers could stipulate very clearly in advance that riders without breakdown cover will be left behind to fend for themselves if their bike cannot be started again following a breakdown, and people are to leave them behind on the basis that they were warned.

In reality though you've got to be a bit of a barsteward to do that to somebody in the middle of the Scottish Highlands, when the nearest village is 20 miles and the nearest bike dealer is up to 60 miles away, however much of an idiot they have been. It's a long walk!

[-Ralph-]

RAC/AA: people with this sorta cover who aren't from scotland want to double check their Ts & Cs, I've recently bought breakdown with NCI, reason I chose them (other than price) was because AA & RAC's top packages wouldn't deliver me home from scotland they'd just take me to a garage. They also don't recover me in an accident, although that can be got around to a degree;)

What if you live in Scotland and breakdown in England? What if that's only Carlisle to Dumfries? Can you post up what the T&C's say? I can't wait to see what wording the money grabbers have come up with for this one!

[petevtwin650]

Following on from another thread, and not withstanding this has been covered before (my excuse is, we have a regular turnover of newbies), who rides without recovery cover?

Bear in mind that a lot of Recovery companies, will not recover after an accident, especially if it came free with a new bike.

It's all very well saying that the insurance will pay if you use a one off private company, but try and find one on a Sunday afternoon after you've had a little unplanned off-road excursion. Plus you usually need to be able to pay them up front Also, if you have anything less than Fully Comp, that expense, usually quite considerable, will have to come out of your own pocket. Not good on top of having to pay to get the bike repaired and possible exorbitant storage charges on top.

So go check the small print on your recovery policies or maybe ask Santa for a years blanket cover.

Remember, it doesn't take much to make a motorcycle unrideable, from a puncture, to it falling off the sidestand, to wet getting into the electrics, to name but a few.

Food for thought?:smt102

[dyzio]

My first 2 years on the SV, I didn't have one (newb), bought one before the euro trip for ~£60.

The Prilia's insurance came with breakdown cover, not sure about accidents but it's parked now and I'll need new insurance before I start riding again.

I'd add, if you're insuring your bike online, it's good to give the best 2-3 brokers a call, they may come up with extras not mentioned on the web, that's how I got mine.

[ArtyLady]

Got my own personal recovery service - known as my OH - will come anywhere, anytime night or day to rescue me :sunny::D
mind you very rarely need him to as he lavishes so much tlc on the bike ;-)

[timwilky]

My insurance is through A quote. They specifically say they will recover after an accident and use RAC.

My only experiences of recovery was where I was hit from behind at a red light and called bennetts. Their recovery came after about 2 hours and was a man in a van with a bike trailer to take me home. And when my mate dropped his R6 in the middle of nowhere I had to ride 5 miles down the road to get a mobile signal to phone the AA, after about 3 hours a man arrived the AA had sent a local recoverer from 40 miles away. I have been trying to phone you he say. Guess what mate mobiles don't work round here

[DaveP]

Did my fisrt year without... Silly really as i live in warrington.. North west england. ANd was as far south as cornwall, as as far north as Fort william almost. Thats a long way to push the bike home...

However When the insurance renewal come in i got to work with the old gift of the gab and got Euro breakdown added... with a bit of banter i gor the monthly price down so much that it only cost me 10p extra pm from origional renew price. There was too many slight issues on the GM II to risk anything else like that without it....

Granted it was the curveys that were having problems.... ;););) (runs and hides)

Dave

[speedplay]

I'm covered :)

The nice guy from the RAC helped me drag my pointy round the side of the house too :)

[Luckypants]

Granted it was the curveys that were having problems.... ;););) (runs and hides)

Dave

So Badgers totally nadgered bike was a curvy? :smt068 :smt077

On topic:- I have always had recovery as I run a family membership with the RAC. Never needed it on the bike *touches wood*

[Sean_C]

I only had breakdown cover when I crashed, but managed to get recovered anyway. Now I'm covered for accidents too now, its definitely worth having.

[Dave20046]

What if you live in Scotland and breakdown in England? What if that's only Carlisle to Dumfries? Can you post up what the T&C's say? I can't wait to see what wording the money grabbers have come up with for this one!
Sorry, might have put that across confusingly; it's not to do with the england/scotland divide it's purely 'cause you're a long way from home. Speaking to the RAC about their £100+ 'top package':

them: With the top package you get 6 callouts, 4 homestarts and we'll recover you to wherever you want to go; your destination, home or a garage which ever's closest

me: sorry, what was that last bit you said, whichever's closest? What if I'm on my way home from scotland or soemwhere miles away and breakdown, but want to get home - would you take me the rest of the way?

them: why would you want to do that? you'd want to get to a garage to get it fixed blah blah etc.

They irritated me because 1) for that amount of money that's not practical at all 2)he tried to snidely get it past me by saying it quietly and quickly 3) he back tracked and tried to argue that that scenario would never happen. I told him exactly why it would happen and obviously knew the sales pitch had gone down the crapper when he weakly said 'well you can put all sorts of variables in there'.

Didn't try AA but thought it'd be the same game, and I've heard thye don't recover you in an accident.

[Alpinestarhero]

My carol nash insurance seeminglycoversme for accident recovery and breakdown. Ididnt really think about it when I had my accident...the bike was broken and it was down, if thats not a break down i dunno what is :lol:

[keith_d]

I'm thinking about getting recovery cover. With two bikes and a car it's only a matter of time before one of them goes wrong.

[DaveP]

So Badgers totally nadgered bike was a curvy? :smt068 :smt077

On topic:- I have always had recovery as I run a family membership with the RAC. Never needed it on the bike *touches wood*


But that was fixed and not recovered...;);)

[-Ralph-]

My AA cover is with Lloyds TSB Gold Service Account (8 quid a month with a load of other stuff such as travel insurance, mobile phone insurance, sentinel card protection, etc) only gives you basic cover, but you can phone and upgrade it and only pay the difference, which I have done. The cover is for the account not the person, so it covers both myself and my wife (joint bank account) for any vehicle, anywhere in the UK. The LTSB Gold Service Debit card is proof of your membership and the telephone number you need is the Gold Service number on the back.

Even basic cover gets your bike off the roadside away from opportunist thieves with a van, and gets you back to civilisation where you can get public transport and avoid a 20 mile walk! Takes worry away from you, and from anybody else riding with you when you break down. It's worth 30 quid a year.

I'd go anywhere at any time to rescue my wife, buy I'd rather not drive 12 hours return trip to Scotland do so on a weekday evening, then have to explain to my boss where I am the next morning. Also whoever rescues you needs to have a van or bike trailer.

The AA will come and get you if you're not a member, but last time I checked you had to pay 250-300 quid odd for the call out and to join the AA, plus the cost of the recovery, but that's no good if your bank account is empty for two weeks before pay day every month and your credit card is on it's limit. And you'd probably be cheaper getting a local company to do it if you can find one.

My AA cover doesn't cover me for an accident. Last time I needed it I phoned the AA and they quoted me 150 quid to come and get me, but only because I was already a member. That's OK for me, 150 quid I can always credit card and I accept that risk.

[Luckypants]

I think you were mis-informed. Here is what their website says...

"If we can't repair your vehicle locally within a reasonable time, we'll take your vehicle and up to 7 people to your home or a single address in United Kingdom, Jersey, Guernsey and the Isle of Man."

So recovery from John O'groats to Sheffield would not be a problem.

[-Ralph-]

Yeah, it does sound like the wee scroat on the other end of the phone was probably on his first day with no training in the products. My AA gives me recovery to my choice of address from and to anywhere in the UK mainland, and it's not the top package, it's the one that includes roadside and recovery, but not home start.

[Tiger 55]

"If we can't repair your vehicle locally within a reasonable time...
Your idea of reasonable or theirs? I rather think that might depend on whether you're in Glencoe and want to go to Truro or Glasgow. Hmm.

Can't speak for the AA but the RAC will certainly recover you after an accident. They just want paying for it.

[orose]

The AA didn't have any issues picking me up from Penrith and taking me home, although the driver wasn't too happy about it - my trip was his entire shift from signing in in Newcastle to picking me up, and had to include a stop under the driving time regulations before he could go back north. They did try and see if there was a half-way stop to switch vehicles, as he felt it might have been cutting it fine for time, so any further south probably would require that to be taken into account. My package is the same as Ralphs, although I've also got stay mobile cover (who got me on the bike for the last north wales run)

[ethariel]

Just had a double check, the cover from standard e-bike insurance covers accidents too (maybe just to a repairer but better than a kick in the goolies).

[Dicky Ticker]

Regarding recovery/breakdown cover,I have RAC roadside and recovery and on both occasions I have had need of their services they have been most efficient.
1] Accident A14/M1 recovered my bike,collected me from Kettering Hospital and took me to the change over point,did the change. Driver number two took me home to Essex,unloaded the bike and put it in my garage for me.
2] In my sons pick-up when it broke down in Kent[Elect] arrived in Min's,found the fault from his computer, swapped a relay over and we were on our way,be it without
indicators[Thats reverting back to hand signals for the rest of the journey]
I don't have a vehicle defined in my agreement ,it is for me whither I am driver or passenger in /on any vehicle up to 3.5ton---------Cost £120 but if you don't use the service you get 10% NCB for non use each year.
Just for the peace of mind IMHO it is well worth it

[ManxMatt34]

Hey all this talk of break down cover, is it genuinly that important? I don't use it because i'm normally on the isle of man obviously so easy for me to get back if i do break down.

However i do not want a years cover from the aa/rac etc.... just for the sake of a weekend, any ideas of prices and best value for money or options, also whats the difference of having the cover and just ringing em' up and saying ... " AA can you come pick me up and fix my bike, surely they're getting buisness from that?"

[Dicky Ticker]

I presume you mean not having the cover and ringing them up.
Your not a member sir------sorry we can't help you
Much the same as having no insurance and only asking for it when you have an accident.

[Dave20046]

Hey all this talk of break down cover, is it genuinly that important? I don't use it because i'm normally on the isle of man obviously so easy for me to get back if i do break down.

However i do not want a years cover from the aa/rac etc.... just for the sake of a weekend, any ideas of prices and best value for money or options, also whats the difference of having the cover and just ringing em' up and saying ... " AA can you come pick me up and fix my bike, surely they're getting buisness from that?"
For me it genuinely was worth it last year, bought it just for the GM (granted it only cost me £15) and killed my bike on the way home, got a lift all the way back. Paying to get picked up when you don't have cover (by a professional outfit anyway) is well into the hundreds.

I got my breakdown cover from NCI cost me £60 for the year and it covers me in my car,my bike +as a passenger in anyone elses vehicle. And do homestarts too and pretty much all you want em to by the sounds of it.
That's like £5 a month to be covered on both my car and bike.

[petevtwin650]

Hey all this talk of break down cover, is it genuinly that important? I don't use it because i'm normally on the isle of man obviously so easy for me to get back if i do break down.


That is sort of attitude I'm trying to highlight. So if your bike had been involved in an accident when you were on the "mainland", how would you have gotten it home Matt? And look at the trouble other people went to when you had a puncture, whereas a simple call to a breakdown company would have had you sorted.

Lot's of riders think because they are within a 30 mile radius of home, that is not neccessary, then don't bother when they start doing rideouts that take them further from home.

To me, it's irresponsible to travel more than a few miles from home without it.

[barwel1992]

^ have to agree i only travel 25 miles most and have euro cover lol :D

[ManxMatt34]

That is sort of attitude I'm trying to highlight. So if your bike had been involved in an accident when you were on the "mainland", how would you have gotten it home Matt? And look at the trouble other people went to when you had a puncture, whereas a simple call to a breakdown company would have had you sorted.

Lot's of riders think because they are within a 30 mile radius of home, that is not neccessary, then don't bother when they start doing rideouts that take them further from home.

To me, it's irresponsible to travel more than a few miles from home without it.


The puncutre got fixed, didn't need recovery, would have found somewhere anyway, very kindly davenumbers after me asking around offered to run me to sheffield. So that point is compeltly irrelivant.

As for not having cover, the ammount of time i spend in the "uk", is negilable so i don't put money on something that i will hardly use if ever. Now that i am coming over more frequently doing rideouts, i am intending to get cover. Hence asking about "prices, options and companies".

I appriciate your compelte mis-quotation of what i said by taking it compeltly out of context, you seem to have a skill for this. In future there is the big ignore button which you can put with my name or simply bypass anything i say as i belive that would be more constructive than your current responses. Cheers Matt.

DT/Davenumbers - Thanks for the constructive answer, once i return from the uk next week i will look into your suggestions and make some calls.

[-Ralph-]

The puncutre got fixed, didn't need recovery, would have found somewhere anyway, very kindly davenumbers after me asking around offered to run me to sheffield. So that point is compeltly irrelivant.

As for not having cover, the ammount of time i spend in the "uk", is negilable so i don't put money on something that i will hardly use if ever. Now that i am coming over more frequently doing rideouts, i am intending to get cover. Hence asking about "prices, options and companies".

I appriciate your compelte mis-quotation of what i said by taking it compeltly out of context, you seem to have a skill for this. In future there is the big ignore button which you can put with my name or simply bypass anything i say as i belive that would be more constructive than your current responses. Cheers Matt.

DT/Davenumbers - Thanks for the constructive answer, once i return from the uk next week i will look into your suggestions and make some calls.

You seem to have taken exception to the way Pete put it across (maybe there's some background I'm not aware of, as whilst "to the point", Pete wasn't that harsh IMO), but it certainly isn't an irrelevant point. You were lucky enough to be in the company of people who were willing to give up their enjoyment of the ride-out and give their time and petrol to help you, but don't take that for granted otherwise the next time people might just foxtrot oscar and leave you stuck at Derwent Water, and it could have happened whilst you were on your own on the way back to the ferry.

[Blue Flame]

I am with RescuemyBike.com (essentially NCI).

One years Premium (Comprehensive) >>> £28.75.

Got to me within an hour and took me all the way home from just North of Birmingham to Fife when my chain snapped on the way back from the AR.

That is good value for money.:D

[Dicky Ticker]

Silly question perhaps but has anybody[Admin?] ever thought of asking for group cover ?
May be a completely impractical idea but I would have thought it would work out cheaper
By becoming a subscribing member with an annual fee it would include breakdown-accident recovery.
In addition you could get a discount on your insurance as there breakdown cover would be superfluous to your insurance requirements

[jimmy4237]

www.ncionline.co.uk (http://www.ncionline.co.uk)

If you get a quote online first, bear in mind they don't include accident cover. Phone them up, and ask for it to be included. Simpleees

Cheap enough too....

[Dave20046]

I'm thinking about getting recovery cover. With two bikes and a car it's only a matter of time before one of them goes wrong.
My cover from nci (rescuemycar.com) covers me on my cars,bike and even as a passenger in a vehicle. £62 for the full cover for a year - not bad imo.

edit : just spotted jimmy's post, yeah I just went to the link he posted and got the number. although slightly worried now as they didn't have to include the accident cover separately I just asked if I was covered in an accident and she said yeah.

[Binky]

Always had breakdown and accident cover since first getting the SV.

Covered in the majority of Europe for everything too. I pay £69 annually. Not sure how that stacks up against others' cost of cover, but it seemed like an acceptable price at the time.

[philbut]

I have always had breakdown cover, despite having only used it once. I carry tools and a puncture repair kit as I am quicker at sorting most stuff than waiting for a recovery van.

I just too out cover with rescuemybike.com. I went for personal cover rather than bike cover as I have too many bikes and it's also good to be covered when I'm out with the Mrs in her car. I paid £68 for the year including a £5 add on that will cover me if I chuck it down the road. had my newest vehicle been more modern, i would have paid less (I thought 1998 was pretty new but apparently not ;-) )

EDIT - rescuemybike.com is part of NCI as mentioned above.

[dizzyblonde]

All in with Carol Nash .. innit. :-)

Used it once, took a while to get out to me, but then the poor guy was coming from Sheffield to take me 17 miles to my house. Was a nice proper bike van, not some flat back or dodgy transit...Suzy was well cared for. But then thats what you pay CN for.

[LK-SV]

I'm thinking about getting recovery cover. With two bikes and a car it's only a matter of time before one of them goes wrong.

AA covers you .... not individual vehicles ...... :cool:

A must for all that have cars and bikes ......

i'm sure others do .... but the likes of RAC's vehicles only is no good ...

[sunshine]

another using carole nash, i they also collect you if your "riding a mates bike" in a group ride-out!

[ManxMatt34]

You seem to have taken exception to the way Pete put it across (maybe there's some background I'm not aware of, as whilst "to the point", Pete wasn't that harsh IMO), but it certainly isn't an irrelevant point. You were lucky enough to be in the company of people who were willing to give up their enjoyment of the ride-out and give their time and petrol to help you, but don't take that for granted otherwise the next time people might just foxtrot oscar and leave you stuck at Derwent Water, and it could have happened whilst you were on your own on the way back to the ferry.

No thats fair enough, i didn't take the help from davenumbers for granted and dave knows that already, or mike who leant me a puncture repair kit.

At NO point on that weekend after that puncture did anyone say... hey Matt have you thought about break down cover.... or even hinted at the case. Then we get on the forum i ask a question 2-3 months down the line... i just get :smt024

Can't even be bothered with this seen im on holiday and i think my original response said summed up my opinion... Matt.

[ManxMatt34]

For me it genuinely was worth it last year, bought it just for the GM (granted it only cost me £15) and killed my bike on the way home, got a lift all the way back. Paying to get picked up when you don't have cover (by a professional outfit anyway) is well into the hundreds.

I got my breakdown cover from NCI cost me £60 for the year and it covers me in my car,my bike +as a passenger in anyone elses vehicle. And do homestarts too and pretty much all you want em to by the sounds of it.
That's like £5 a month to be covered on both my car and bike.


I'll check there website next week, £5 a month too cover all my vechiles is alot cheaper than i would have expected, i thought breakdown cover would cost double figures a month.

[Dave20046]

No thats fair enough, i didn't take the help from davenumbers for granted and dave knows that already, or mike who leant me a puncture repair kit.

At NO point on that weekend after that puncture did anyone say... hey Matt have you thought about break down cover.... or even hinted at the case. Then we get on the forum i ask a question 2-3 months down the line... i just get :smt024

Can't even be bothered with this seen im on holiday and i think my original response said summed up my opinion... Matt.
I did :p

[-Ralph-]

At NO point on that weekend after that puncture did anyone say... hey Matt have you thought about break down cover.... or even hinted at the case.

I did :p

+1

Your getting alzheimers boyo 'cos I also asked you if you had AA cover! You didn't so there was no point perusing that question any further, we just had you get you sorted out somehow.

EDIT: Kilted Ginger say he asked you too.

[yorkie_chris]

No thats fair enough, i didn't take the help from davenumbers for granted and dave knows that already, or mike who leant me a puncture repair kit.

At NO point on that weekend after that puncture did anyone say... hey Matt have you thought about break down cover.... or even hinted at the case. Then we get on the forum i ask a question 2-3 months down the line... i just get :smt024

Can't even be bothered with this seen im on holiday and i think my original response said summed up my opinion... Matt.

Aye, reason is we are good folk. Me and davepreston didn't leave orose sat at the side of the road with a bent gixxer and no hope of getting home. Even when it was eating into our boozing time.
And I didn't leave orose when his S3 ate itself until we knew recovery was on the way!

So it's good to get breakdown/crashy cover, just so I don't have to call in favours from my mate with a van. Because if I have to do that then you will never be free lol

[BanditPat]

I didn't have but do have breakdown cover. I'll get my old man to come out with a trailer if i have an accident that im not able to ride away from.

[ManxMatt34]

I did :p

I remember you mentioning a puncture repair kit, don't remember anyone asking about breakdown recovery.... but fair enough if 3 of you mentioned it then you did. Never really thought about it up untill seeing it posted in the GM thread either way.

[Dave20046]

In fairness I didn't make a big deal about it I just mentioned it in passing after the puncture repair kits. I didn't really think much of it.

[petevtwin650]

^ have to agree i only travel 25 miles most and have euro cover lol :D


costing £100 to get it recoverd as my brake down cover doset cover me for accidents...


This was one of the reasons I started this thread. :(

Some people think they have accident cover, but as Barwell sadly found out, that may not be the case.

So I urge you all to double check the small print of your recovery document. If it doesn't say anywhere specifically accident recovery, then it almost certainly won't cover you. A 100 quid is a lot of money for anybody, especially this time of year, and his bike was only taken 14 miles.

[TazDaz]

Might have been said already, but NCI (RescueMyBike) told me they recover for accidents if you have the "comprehensive" cover. It was only something like £26 for the year and they will recover for anything basically - breakdown, accident (fault or non-fault), vandalism etc.

[Dave20046]

No offence but obviously barwell isn't the sharpest tool in the box (:kiss:)it's cases like these when you ring up and say 'hello kind sirs my bike isn't working, recover it' and some neanderthal turns up and chucks it in the back of a van

[barwel1992]

^ ta i will have you know im actuly mutch smarter in person ;)

and yup chanrge £100 just to take the bloody thing 14 miles :|

and i think they broght thebigest thing they could find like a small van recovery lorry thing i was like wut

and dave even if had sead its not working they will only take to the nearest shop as its stated that they will only take it home if im within 10miles of my addres .... and theres no point in taking it to a shop as its no good there

[Dave20046]

^ ta i will have you know im actuly mutch smarter in person ;)

and yup chanrge £100 just to take the bloody thing 14 miles :|

and i think they broght thebigest thing they could find like a small van recovery lorry thing i was like wut

and dave even if had sead its not working they will only take to the nearest shop as its stated that they will only take it home if im within 10miles of my addres .... and theres no point in taking it to a shop as its no good there
was only messing, bad luck :(
Look at nci or carole nash for next years!

[barwel1992]

i will i think we will be going with some one else this year

[timwilky]

checking policies/small print etc.


My bike insurance is Aviva "premier biker" through A-quote. My insurance covers me for accident recovery. However, my breakdown is provided though a-quote "hero".

So I have two different numbers depending if it is accident or breakdown. Daft thing both services use the RAC.


Right off to update the contact details on my phone and the little card I keep in my wallet to add the second number

[gfewster]

I've got top-level AA 'personal' cover that I've always had for my car. Now I have a bike, would people imagine it covers that too? I'll check the paperwork when I get home.

[barwel1992]

depends some policies cover you as the rider/driver others only cover the car/bike

[gfewster]

I have the sort of cover that covers me, rather than a specific vehicle. I know I can call them if I'm in a mate's car and it breaks down.

As I said I'll check tonight, but I just wondered if regular AA agreements like this apply to any sort of motor vehicle or just cars?

[Dave20046]

I've got top-level AA 'personal' cover that I've always had for my car. Now I have a bike, would people imagine it covers that too? I'll check the paperwork when I get home.
It should do, I've used both my previous policies (different providers) on both. Can't say 100% for the AA as not used them but I bet they do.

[petevtwin650]

I've got top-level AA 'personal' cover that I've always had for my car. Now I have a bike, would people imagine it covers that too? I'll check the paperwork when I get home.

Even if it does cover you on a bike , it may not neccessarily cover you for accident recovery.

Note, on their website, never once is accident recovery mentioned

http://i72.photobucket.com/albums/i184/petevtwin650/org%20posts/aaa2-6.jpg

[barwel1992]

^ i found out the hard way with rac

[-Ralph-]

I have the sort of cover that covers me, rather than a specific vehicle. I know I can call them if I'm in a mate's car and it breaks down.

As I said I'll check tonight, but I just wondered if regular AA agreements like this apply to any sort of motor vehicle or just cars?

Any motor vehicle, I've used it twice for the SV. AA doesn't cover accidents though, think it was about 150 quid when i phoned so I patched up the bike at the roadside with gaffer tape and rode it home.