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Re: EU Breakdown Cover
[Re: Gripped]
#1484668
22/04/2014 17:47
22/04/2014 17:47
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SarahJayne
Unregistered
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SarahJayne
Unregistered
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Not all policies are Market Value, but all have either market value or a specified amount limit.
We have access to two policies - and can offer as a stand alone policy, so you don't need to have your insurance cover with us, without going into too much detail, although neither are age restricted, one states that cover is limited to the UK market value of the car and the other states a limit of £3000 per year.
Both are breakdown policies, so the repatriation would only kick in once a vehicle could not be repaired in a specified timescale, as detailed in the actual policy wording. There is usually also the option to leave the car with the garage to be repaired, be flown home (at the expense of the insurers) and then fly back (again at the expenses of the insurers) or be put up in additional accommodation (again at the expenses of the insurers) until the car is repaired if it will be after your scheduled return date. More details of this can be seen in the respective policy wording.
Personally I don't think it is all that common that a car can not be repaired. I appreciate that chances are it will probably be more expensive to put a car back on the road following a breakdown, when you are restricted by the country/garage you are using and these costs would need to be met by you. So the costs to repair the car after a breakdown will probably be more when we are talking about emergency repairs. But, with this is mind if the car can be repaired then they will not repatriate the car because you want to repair it yourself or use your usual garage, or save on repair costs. If it can be repaired then it will be repaired.
If the breakdown was following an accident then your motor insurer would pick this up, so this would not fall under the breakdown cover.
Sorry, if it sounds like I am not being very helpful and maybe a little negative, but I am failing to see where the problem lies.
Please give me a for-instance of when the damage could be so catastrophic that the car could not be repaired just so I can try and help.
Regards Sarah
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Re: EU Breakdown Cover
[Re: Gripped]
#1484801
23/04/2014 15:55
23/04/2014 15:55
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SarahJayne
Unregistered
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SarahJayne
Unregistered
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I am in discussions with insurers regarding the cover. but can happily say that the outlook appears very positive.
I have had a conversation regarding the repatriation limit and the insurers involved have told me they have NEVER had a situation arise where they have left a car in Europe. The limit they believe is very wide and should the situation arise where the £3000 is not enough they will always discuss different options to get the car home; like being transported on a 'slow boat' or asking for a contribution towards the costs. You would be involved in all decisions as and when if needed. I am awaiting confirmation but I believe this will put your minds at rest
I am also in discussions with regards to the price for the cover, as I am hoping if a large amount of people take it out we could offer the cover at a lower rate. At worst it would be £69.00 for 12 months cover, which can be taken out as a stand alone policy.
I will update further when I know, hopefully a matter of days, a week at most.
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Re: EU Breakdown Cover
[Re: MCMike]
#1485601
28/04/2014 20:35
28/04/2014 20:35
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Joined: Dec 2005
Posts: 8,086 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,086
South Cambs
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This sounds good Sarah, I look forward to your next update Me too.. Sarah - Some NEW parts for the Coupé are becomming hard to obtain. It's quite possible that a simple breakdown could render a car unrepairable. Accross Europe the UK is often regarded as one of the only sources for second hand Fiat Coupé parts! NOTEFor those persons choosing the Foreign alternatives (ADAC) etc. Through a German contact I contacted the ADAC and another German company. Despite both these companies initially saying, over the phone, that they would repatriate cars to the UK they have both said, in writing, that they wouldn't! They will provide full breakdown cover and recovery to a local garage for repairs but they will not recover the car to the UK. One could register at a German address and have a car recovered there. I'm thinking of this option but I think I'll wait and see what Sarah comes up with first.
Gone Audi mad!
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Re: EU Breakdown Cover
[Re: Gripped]
#1485759
29/04/2014 13:35
29/04/2014 13:35
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SarahJayne
Unregistered
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SarahJayne
Unregistered
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Just checking in ... this is taking a little longer than expected, will give you an update asap. I am mindful that this is to be in place before the end of May, but may not have an answer until next week. Sorry Hopefully will be worth the wait
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Re: EU Breakdown Cover
[Re: arm]
#1486655
05/05/2014 01:20
05/05/2014 01:20
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Joined: Dec 2005
Posts: 8,086 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,086
South Cambs
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so, unless ADAC have changed their policy recently and have also not updated their T&Cs, repatriation to UK is still included. Their T&Cs state repatriation will be "to your home address" (full stop).
I have been using ADAC on and off since 1986! I first used them when living in Holland and have continued to use them in the UK as I travel into Europe every year. I have used their breakdown and even recovery in the UK (They Contract the AA) with no problem. However I had noticed some changes in their T&Cs but my German is rusty. This is why I asked a former German colleague and German garage proprietor, based in Hamburg, to look into this for me. As you are sure UK peeps are still covered I will challenge him to look into this again..
Gone Audi mad!
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Re: EU Breakdown Cover
[Re: arm]
#1486888
06/05/2014 16:30
06/05/2014 16:30
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Joined: Dec 2005
Posts: 8,086 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,086
South Cambs
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Thanks, I already had the PDF documents After quite a lot of discussion with my friend Lars I got him to get back in touch with the ADAC... It seems he has indeed made some errors You can still be covered, if living in the UK. You must take "PLUS" membership €89.50 They will recover the car "HOME" (Within a week, or two). More info to follow.............
Gone Audi mad!
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Re: EU Breakdown Cover
[Re: Barmybob]
#1486905
06/05/2014 17:53
06/05/2014 17:53
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Joined: Dec 2005
Posts: 8,086 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,086
South Cambs
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The German PDF documents for ADAC make no mention of the Vehicles age or it's value, just that it must be a regular vehicle which is not used for business. Much of the remaining documents are regarding how they deal with personal data, transportation of you and your passengers, cover for sickness, legal assistance and even provision of a translator, German I guess
Gone Audi mad!
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Re: EU Breakdown Cover
[Re: Gripped]
#1487112
07/05/2014 17:57
07/05/2014 17:57
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SarahJayne
Unregistered
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SarahJayne
Unregistered
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Right, I have negotiated and have had it confirmed...... I can offer a European Breakdown Policy at an annual premium of £69.00, which will provide up to £3000 towards Repatriation costs in any one insurance year regardless of age or value of car if the car cannot be repaired Just to recap, the insurers involved have told me they have NEVER had a situation arise where they have left a car in Europe. The limit they believe is very wide and should the situation arise where the £3000 is not enough they will always discuss different options to get the car home; like being transported on a 'slow boat' or asking for a contribution towards the costs. You would be involved in all decisions as and when if needed. So give me a call on 01527 591057 or email me at Sarah@glynwoodinsurance.co.uk or PM me and I can forward to you a copy of the policy for your consideration and/or arrange for the cover to be issued.
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Re: EU Breakdown Cover
[Re: ]
#1488261
15/05/2014 14:29
15/05/2014 14:29
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Joined: Dec 2005
Posts: 8,086 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,086
South Cambs
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I can offer a European Breakdown Policy at an annual premium of £69.00, which will provide up to £3000 towards Repatriation costs in any one insurance year regardless of age or value of car if the car cannot be repaired Sarah, that is a fantastic price & great cover or the Coupé, well done Unfortunately, we plan to make a couple more trips into Germany and Holland this year, and with different vehicles to. We have therefore, after much research, decided to take ADAC cover this year.
Gone Audi mad!
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