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european breakdown cover
donn006 - 30/5/10 at 11:42 AM

hi anyone got europeon breakdown cover im going to le man next week and want to be save im already in the aa with my bank tried up grading with them and the said the wont insure kit cars in france and neither will the rac can antone help as dont want to go unless covered

Ninehigh - 30/5/10 at 12:48 PM

With the AA you're the member not the car. You're in a car, it broke down, they rescue you. What's the argument?

As for insuring a kit car in France I dunno

cliftyhanger - 30/5/10 at 12:57 PM

may be worth asking your insurer. My classic policy includes european cover as std, but some policies allow you to add it as an extra.
As for the AA, and others, they are increasing the number of things they DO NOT cover (ie our modern doesn't have a spare tyre, so that means that our breakdown cover won't help us out if we get a flat....)

fha772 - 30/5/10 at 01:51 PM

I'm with Footman James insurance, and all that is included as standard on all their policies, both classic and modern.

SteveWalker - 30/5/10 at 02:02 PM

quote:
Originally posted by cliftyhanger
may be worth asking your insurer. My classic policy includes european cover as std, but some policies allow you to add it as an extra.
As for the AA, and others, they are increasing the number of things they DO NOT cover (ie our modern doesn't have a spare tyre, so that means that our breakdown cover won't help us out if we get a flat....)


Which makes cover fairly pointless, as tyre damage is one of the more likely failures on any reasonably maintained car.

I've worked on the principle that I've had three call outs in twenty-odd years of driving (all while I was covered through work and two of which I would not have made a call-out for if I hadn't been covered) and that adds up to a fair saving in premiums, which will more than cover the cost of calling out the local garage if needed.

European cover however, I have always taken - mainly on the principle that getting stranded abroad and getting a damaged vehicle back could be very expensive.

TimEllershaw - 3/6/10 at 09:28 AM

I'm thinking the same - going to Le Mans and car is not looking good, so thinking breakdown cover may be a good option.

This is from the RAC European Breakdown cover terms and conditions. Doesn't mention kits cars :

3. Eligible vehicles
An Insured Vehicle must be one of the following and must be permanently registered in the Territory as a private vehicle: car, motorcycle 121cc or over, motor caravan, minibus fitted with not more than 17 seats including driver, light van, estate
car, MPV or 4 x 4 sport utility vehicle.

The Insured Vehicle must also:
– be less than 6 years old* at the start of the Journey;
– have a maximum legal laden weight of 3,500kg (3.5 tonnes). This weight is called the Gross Vehicle Mass (GVM)
– have maximum overall dimensions of:
length 7m; height 3m; width 2.25m (all including any load carried).

*Vehicles six years old and over may be covered on payment of an additional premium.

An Insured Vehicle can only be covered if it is being used for a Journey and returning to the Territory within the Period of Cover.

Caravans and baggage or boat trailers privately owned and managed not over 3,500kg (3.5 tonnes) Gross Vehicle Mass are
covered, subject to payment of an additional premium. They must also carry a roadworthy spare wheel and tyre. Caravans and trailers must not be more than overall dimensions as follows: length including tow bar 7m; height 3m; width 2.25m.

Jasper - 4/6/10 at 11:36 AM

Guys, you're talking two different things here, European Breakdown Cover, and European insurance for driving.

Most policies cover you for being insured to drive in Europe, though check of course.

Breakdown cover is a totally different thing, it's not you that's covered, but the car. The cover is understandably more expensive for cars over 6 or 10 or 15 years old and not all of them will cover kit cars.

The best deal I could find for my 10 year old Mini was with the AA, as I already have UK breakdown cover and they give a big discount.

MikeRJ - 4/6/10 at 01:01 PM

quote:
Originally posted by Jasper
Guys, you're talking two different things here, European Breakdown Cover, and European insurance for driving.


Not really, various people are simply pointing out that breakdown cover is included within their insurance policy.