Recommend me some breakdown cover

[yorkie_chris]

Must cover me on 2 bikes, preferably whatever I'm riding at the time.
Must also cover collection after accidents.

Euro cover would be nice.

Price obviously a factor, but not THE factor.

Suggestions?

[Teejayexc]

For the FJ ? Good luck ;-)

[yorkie_chris]

For the SV too, engines can go pop, tyres can shred, chains can snap. I never bothered getting any on my insurance this time as I've only been doing local stuff so could always just pop back and get a van.

[Specialone]

Ive just took one out Chris with Swinton as an add on for my bikes insurance, it covers me for whatever im riding, driving etc, doesnt have to be owned by me either, so could be out with someone in their car as a passenger and say i was driving and it would be covered.
Think it costs £6 a month, i thought that was reasonable as i have 4 vehicles, van, car and 2 bikes so id be covered on all of them.

[Teejayexc]

Small print is the thing to look out for, a lot of the breakdown/repair clauses won't cover vehicles over 10 years old, I have E-Bike cover and there's won't cover my '98 D9.

I'm also with the AA, and as above they cover all vehicles in the family, four bikes, a 4wd, two corsas and owt any of us are passengers in.

[toby_smith]

Hello Christopher my good, equally as balding and angry, friend.

First of all I must get myself to the 'fax to see you and make myself a cuppa soon.

Secondly, I'm with the AA, £6 a month, covers me on any vehicle I'm in or on as long as it's 1/4 mile from home (not an issue with a bike because you can just push it round the corner!), not covered in Europe I don't think but I know it doesn't cost much to upgrade it.

Now for the honest part. I took out AA cover because I locked my keys in the car on a sunday afternoon. Instantly covered, then called then back and told them I'd locked my keys in the car. The operator recon'd that's how they get 75% of their business.

The second time I called the AA it was because I'd locked my keys in the car.

And the third time, yup, I'd locked my keys in the car.

I have now sold the car (no coincidence)

[toby_smith]

Just a quick one before chris calls me a retard for those 3 occurences of locking my keys in the car.

Chris once spend a rather daft amount of time blowing up an air bed with the bung in the other end removed (East fortune, october 2010, I have witnesses)

[squirrel_hunter]

The AA do not cover for accidents. They will come out but will threaten to charge you, though in practice I've not personally seen this happen. They say that you are to claim this cost back through your insurance. I am no longer with the AA because of this.

The only thing I would advise is the level of cover. Not sure about euro cover but I have breakdown and recovery that will take me and my bike anywhere in the UK. If you just have breakdown most will just take you to the nearest garage. Not much use if you are 200+ miles from your garage. And yes I have put this to the test and been very happy with the level of cover I have.

[kellyjo]

I pay RAC £9.79 a month and that covers me home, out and abroad for any bike or car im driving or passenger/pillion. Its also covers accidents so if im out on my own and chuck it down the road they'll come and scrape me and the bike up and get us home.
Expensive but total peace of mind as i ride alone a lot.

[Dicky Ticker]

+1 For the RAC,not cheap but all situations covered,breakdown or accident on any vehicle I am either driving or a passenger in.
No quibble service that I have used on the pick-up[sons]when driving and a recovery of the bike when I got taken off.
I recon you get what you pay for with recovery/breakdown cover and the service is excellent so far.
One of the things you buy and hope not to use but when you do it is reassuring to know you are covered.

[454697819]

NCI Recovery (now rescue my bike .com i think)

cheapest, reliable, fairly quick responses, will cover you as a person in or on any vehicle, and ask for optional plus they will collect after an accident..

[AndyBrad]

just as a curve ball im with autoaid. Its 37 quid a year and it covers you in any car anywhere. But theres a catch and a big one.

You phone them up and you have to pay any charges on the spot, recovery, parts etc etc. obviously this can run into 100's you then send them the reciept and they give you the money back in 14 days.

its a faff but its cheap.

[andrewsmith]

I've got RAC have used it wasn't too bad as they contract bikes out to local recovery firms. I think mine is £77 this year

Just a quick one before chris calls me a retard for those 3 occurences of locking my keys in the car.

Chris once spend a rather daft amount of time blowing up an air bed with the bung in the other end removed (East fortune, october 2010, I have witnesses)

It was a brew and beer if I can remember :lol:

[aarond]

rac for me and importantly more than 10 year old cars/bikes covered!

[AndyBrad]

btw avoid the aa.

[Whitty]

Is your insurance a long way off? I have just covered srad 600(limited miles) and ratty old gpz 500(10,000miles) both fully comp inc breakdown and accident recovery and euro cover with carol nash for £260. Both bikes are over 10 year old (had to be to get that specific policy). I am older than you though and am in HX6 post code.

[yorkie_chris]

Yeah, 6 months to run on the SV. I need to do the XJ shortly, but you know what it's like asking an insurance broker about their add ons.

[Whitty]

When I first put gpz on they charged about another £80. By the way you would love it chris, front forks leak that bad I use centrestand so it doesnt drip on to side of front tyre. Rear end is siezed solid, I have softened back tyre just to keep my fillings in!!!!!

[yorkie_chris]

Ahahaha, sounds nicer than mine was :)


BTW it is much cheaper for me to insure the XJ alone than it is to add it to SV policy.

[sam anon]

Is your insurance a long way off? I have just covered srad 600(limited miles) and ratty old gpz 500(10,000miles) both fully comp inc breakdown and accident recovery and euro cover with carol nash for £260. Both bikes are over 10 year old (had to be to get that specific policy). I am older than you though and am in HX6 post code.

Yeah, 6 months to run on the SV. I need to do the XJ shortly, but you know what it's like asking an insurance broker about their add ons.

I've used CN breakdown cover twice and have no complaints. It is Euro-wide and although I have no experience with them in Europe, my Dad has and had good things to say.

[Luckypants]

Another vote for the RAC here, they cover you, not the vehicle so whatever I'm in as driver or passenger is covered. Used them numerous times over the years, 4 times in one year to my taxi, for the kids' cars, friends cars when I was a 'passenger', etc and always they have fixed it or got me home.

[Runako]

+3 RAC. Here's my experience. 1st track day led to ... yep, 1st crash. Obviously insurers were out of the question and i didn't have recovery as I only rode locally. So i call the AA. They quoted almost £200 for recovery and membership, only to drive me 25 miles down the road. Oh, and they would only take me to the nearest garage ... on a Saturday evening (what?).

So with little hope, i contacted RAC. £120 full membership, legal assistance blah blah blah ... by this time i was trying to tell her i was sold so come and pick me up. They dropped me back home (although they used a local recovery driver, subcontracted i guess), no problems. Compared to the AA I would say you get more options for significantly less.

[philbut]

rescuemycar.com also do bikes. They will recover you after an acident if you ask them to add it. I had it added free this year. Cost depends on the age of your newest bike, but covers you for any vehicle should you wish. Three levels of cover avalible.

[dizzyblonde]

I've used CN breakdown cover twice and have no complaints. It is Euro-wide and although I have no experience with them in Europe, my Dad has and had good things to say.

As have I.....which has always been a really good company(can't remember the name) but this year they've put it out under the AA, which I'm dubious about. They say they'll still come pick you up in a bike specific van. In both instances I have been recovered with CN, they have taken me home, not to some place as near as damn it, and dump you there.

We've been covered under the RAC for ALL vehicles, taken out really for the car, which reminds me, thats another bloody bill I need to pay for:evil:

Chris....are you looking for this due to you being a stingy git in the first place and not getting a good insurance package that covers you for such?

[steve 1052cc]

Try Britannia rescue breakdown and recovery personal cover, covers you for any thing your driving/riding or passenger/pillion. I've called them for a puncture on a bike and a couple of times over the years for car breakdowns usually there within 30mins

[yorkie_chris]

Chris....are you looking for this due to you being a stingy git in the first place and not getting a good insurance package that covers you for such?

Yes.

Of course I took a quote from bikesure, £250 TPFT, modifications covered, good customer service (second time I've been with them). The breakdown would have been £50 extra.

Or I could have had the carole nash cover, which has FREE breakdown cover. For £800 :smt082

[dizzyblonde]

Yes.

Of course I took a quote from bikesure, £250 TPFT, modifications covered, good customer service (second time I've been with them). The breakdown would have been £50 extra.

Or I could have had the carole nash cover, which has FREE breakdown cover. For £800 :smt082


On the same token, you obviously can't be playing the game right well. How long you been riding.....4 yrs? You need to be getting quotes of 250 FC not TPFT...BTW you do know that companies are trying to steer folk towards FC by bumping up TPFT quotes

CN aren't expensive, if you know how to get them to drop the price of the premium. Bearing in mind the VRaptor is a bugger to insure for cheap, I just got my two insured FC for £270, including everything and personal accident, after having a renewal quote of £340, which didn't inc the PA.

May I add to anyone reading, its something I'd recommend getting in with your insurance. I am insured upto the hilt (NO PEG YOU CAN'T BUMP ME OFF) but one thing say a life insurance (or whatever it is), won't insure for motorcyle injury or death.....which is why bike speific companies sell it. They started doing this a few years back, it was a tip off from my ex's sister who works for insurance, we both make sure we're insured for such.

[yorkie_chris]

Trust me I do shop around.

Carole Nash quoted £800 or so AFTER I was haggling with them. What it is, is they get a price from underwriter and stick their commission on top. After that any discount you get is coming out of their cut. Also then they stick a big extra commission on top for renewals, hoping you'll just renew it blindly as so many do, so the first thing they will move on is the renewal extra, then they move a little more out of their commission. So yeah you've got 25% discount from your renewals price... but they aren't going to reduce my quote by 50%.
By the way how much was comparable cover from other companies for you?

Simply I did not fit into the target customer for their underwriters at time, if the underwriters say the insurance costs £600, it is not going to get cheaper than that whatever you try and haggle the broker down to.


But we're off topic, as interesting as the rules of the insurance game are, the bike is already covered, I need some fackin breakdown cover, so how much was your RAC cover? Do you need to name the specific vehicles you own or just name the drivers or what?

[dizzyblonde]

Lowest quote was Bennetts for £270 FC for everything I already had, just helmet and leathers included which I don't have. CN matched it.
I didn't want to budge from CN, I've had good service for seven years, with 2 blips in customer service gimps, so not bad IMO


RAC.....£48.15 this time. Dunno much else, as Pete sorts that out.

Says on this ere letter, £117 membership cost, £68.85 Member discount, £48 amount payable.

[Dicky Ticker]

Chris,It is just a named rider,or in my case rider/driver and mine is £97 which includes the 10% discount for no claims------up to 40% I think.
Give them a ring and let them quote you for a package that meets your needs,its only the cost of the call.


That more or less ties in with what Dizzy has just given you[She beat me to it]

[-Ralph-]

NCI Recovery (now rescue my bike .com i think)

cheapest, reliable, fairly quick responses, will cover you as a person in or on any vehicle, and ask for optional plus they will collect after an accident..

That's what I use, and crucially for me under the European cover they give you a replacement vehicle and recover yours straight back to the UK if they can't get it going, not to a foreign garage. Last time that happened to me it was in the foreign garage for 3 months!

[yorkie_chris]

How much is this NCI recovery?

[Whitty]

Trust me I do shop around.

Carole Nash quoted £800 or so AFTER I was haggling with them. What it is, is they get a price from underwriter and stick their commission on top. After that any discount you get is coming out of their cut. Also then they stick a big extra commission on top for renewals, hoping you'll just renew it blindly as so many do, so the first thing they will move on is the renewal extra, then they move a little more out of their commission. So yeah you've got 25% discount from your renewals price... but they aren't going to reduce my quote by 50%.
By the way how much was comparable cover from other companies for you?

Simply I did not fit into the target customer for their underwriters at time, if the underwriters say the insurance costs £600, it is not going to get cheaper than that whatever you try and haggle the broker down to.


But we're off topic, as interesting as the rules of the insurance game are, the bike is already covered, I need some fackin breakdown cover, so how much was your RAC cover? Do you need to name the specific vehicles you own or just name the drivers or what?
Maybe they have seen your bike and thought this lad doesn't give a c..p what he hits, scrapes or leans on? sorry lol.

[454697819]

How much is this NCI recovery?

stick ur details in, add £15 for optional plus for scooping the bits of bike off the road and putting them on the back of the truck if you bin it

[cbay]

I'm with the AA and get a massive discount due to where the misses works, which is great. But I have got Roadside, Relay, Home Start and Breakdown Repair Cover.

It is great! the Breakdown Repair Cover covers our two cars and my bike and I have claimed three times on it now £500 twice and £260 once, so it has definately paid for itself over the last three years.

Only thing is, if the accident is your fault you have to pay for them to get you I think...

[dizzyblonde]

Maybe they have seen your bike and thought this lad doesn't give a c..p what he hits, scrapes or leans on? sorry lol.

Maybe they already class it as beyond reasonable repair :rolleyes: