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Confused by Breakdown cover

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Mini Stalk
Renault 5 Driver



Joined: 23 Dec 2010
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PostPosted: 17:03 - 17 Jan 2012    Post subject: Confused by Breakdown cover Reply with quote

Hi guys, im looking into breakdown cover, i think its probaly one of the best things to get with a chinines bike, but i just dont understand all the differnt things about breakdown cover, i just want somthing that will get me home if i need it.
So what would you guys recomend?

Thanks
Dave
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Kwaks
I'm not a fast rider



Joined: 28 Jan 2006
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PostPosted: 17:16 - 17 Jan 2012    Post subject: Reply with quote

Relay is the part that gets you home


remember to check quidco for cashback
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Marmalade
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PostPosted: 17:18 - 17 Jan 2012    Post subject: Reply with quote

It does usually explain the stuff on the sites.

Homestart, they'll help if at home or break down within 2-5 miles away from home

Roadside - They'll help you anywhere but recovery/towing is usually to the next motorway junction, 10 miles or local agent only.

Recovery - they'll tow you home if required

Relay plus/onward travel/accommodation - they'll sort and pay for a hire car/public transport or hotel etc while yours is fixed or recovered

Any claim or dervice is usually provided up to the value of the vehicle so for a chinkie roadside would probably provide enough cover to the value of the bike ~£15 Wink
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Mini Stalk
Renault 5 Driver



Joined: 23 Dec 2010
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PostPosted: 17:26 - 17 Jan 2012    Post subject: Reply with quote

so i wanna aim for Recovery, so that now leads me to my next question, witch breakdown company would you recomend?

Thanks
Dave
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GREENI3
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PostPosted: 17:33 - 17 Jan 2012    Post subject: Reply with quote

You can buy local breakdown which covers you up to around a 25 mile radius from your home address.

UK breakdown cover which covers you anywhere in the UK.

And UK + Europe which covers you for UK and Europe.

Just depends what you use your bike for and whether the breakdown cover meets your requirements.

I've got a 125 and decided to buy UK cover, even though I rarely go further than around 25 miles from home, but just wanted that extra re-assurance in case I do ride further than that.

You may have to buy the breakdown cover with or add it to your insurance, if you're under 18, as some breakdown companies won't offer it to anyone younger.
Plus it can work out cheaper, even if the initial price is cheaper with an independent breakdown company because some of them require you to pay an additional amount of excess in the event you require the use of the breakdown service.
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Marmalade
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PostPosted: 17:39 - 17 Jan 2012    Post subject: Reply with quote

I use AA, they may have their issues but are fully accountable for what they do.

I have personal cover at £7 a month for everything.

Full euro cover with the AA via carol naish, included with insurance

ADAC, full euro cover.

Greenflag are ok mainly but it is all agent serviced so you may get a decent trained and qualified mechanic one time and the next some trained monkey who wouldn't know where the petrol goes.
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky
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Mini Stalk
Renault 5 Driver



Joined: 23 Dec 2010
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PostPosted: 17:39 - 17 Jan 2012    Post subject: Reply with quote

Thank you for all your help guys Smile Smile, well it looks like im going to have to go for greanflag :/ ill give them a call in the morning and see what they say Smile
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iooi
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PostPosted: 18:06 - 17 Jan 2012    Post subject: Reply with quote

Mini Stalk wrote:
Thank you for all your help guys Smile Smile, well it looks like im going to have to go for greanflag :/ ill give them a call in the morning and see what they say Smile


Stuff ringing.... Get your cashback.... Do it online
Quote:

Quidco Cashback Rates

£5> for a Rescue policy
£20> for a Recovery policy
£15> for Rescue Plus
£25 > for a Recovery Plus or Euro Plus policy


Shame you didn't do it last night as you could have had £2 for a quote....

(Other cashback sites are avaiable) Thumbs Up
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Rogerborg
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PostPosted: 19:32 - 17 Jan 2012    Post subject: Reply with quote

Babba wrote:
I & almost everyone I know, use these people :-

www.autoaidbreakdown.co.uk

If your bikes over 150cc & you could normally afford to pay out in advance, then it can't be beaten.


I'll be switching from Green Flag to Auto Aid at next renewal. I've read their current policy document carefully and like what I see. There are fewer exclusions than anyone else - they explicitly do cover accident damaged vehicles, which is great. It's policy holder plus spouse, and any vehicle and they really do mean (nearly) any vehicle - there's no minimum cc (or maximum age) on motorcycles.

There may have been at one time, but given that you're paying up front yourself, you'll get to argue the toss (and win) from the comfort of your sofa rather than at the side of the road.
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whitedevil
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PostPosted: 20:18 - 17 Jan 2012    Post subject: Reply with quote

+1 autoaid
Im with them and had to use them the other day, no problems whatsoever.
Best cover you can get for £38 a year
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JustGraham
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PostPosted: 21:34 - 17 Jan 2012    Post subject: Reply with quote

I need cover aswell, Auto Aid sounds good Thumbs Up

Just a few questions tho,
do they repair bike punches at the side of the road or do they just recover the bike ?

What about if you come off your bike or was in a accident ?

If you was 100+ miles away from home will they take you Straight home ?

If you make a claim how do they pay you the monies back if you paid by credit card. Thumbs Up

thanks to anyone who can clear this up for me Thumbs Up
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Rogerborg
nimbA



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PostPosted: 22:15 - 17 Jan 2012    Post subject: Reply with quote

graham123 wrote:
I need cover aswell, Auto Aid sounds good Thumbs Up

Just a few questions tho,


Easily answered by reading their site. Don't take our word for it, please.
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JustGraham
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PostPosted: 22:48 - 17 Jan 2012    Post subject: Reply with quote

Rogerborg wrote:
graham123 wrote:
I need cover aswell, Auto Aid sounds good Thumbs Up

Just a few questions tho,


Easily answered by reading their site. Don't take our word for it, please.


Thumbs Up
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bigfella
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PostPosted: 14:26 - 29 Jan 2012    Post subject: Reply with quote

I'm looking at Autoaid but they dont cover anything smaller than a 150cc?
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neil.
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PostPosted: 14:38 - 29 Jan 2012    Post subject: Reply with quote

Check their current policy documents, which you can download from their website. Last time I looked, they didn't specify any lower cc limit for bikes. But, I heard rumors that they started to state that 100 or 150cc bikes would be the lowest they'd cover. I emailed them and they confirmed that it was 150cc. Then I replied, stating that their policy documents/terms and conditions didn't say anything at all about this. They then said they would make an exception and I would be fine on my 125. I used them a couple of times with no issues, but that was before this 150cc thing came to light for me (when it was time for me to renew).

Now I am with the Hondacare AA cover supplied with my new CBF125, and it's been very good so far - recovers anywhere in the UK and even provides recovery from an accident (and I used it), which a lot don't. Something else to look out for...
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Polarbear
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PostPosted: 15:04 - 29 Jan 2012    Post subject: Reply with quote

I'm with AA at the moment. I usually swap each year between AA & RAC to get the introductory offers but I forgot cause I was away this year Embarassed .

So it cost me £149. Thats for myself and the wife as named people with any vehicle, relay, roadside, home start. As we both ride bikes and drive cars (4 bikes and 2 cars in the stable at the moment) I can't really accuse the AA of ripping us off.
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Rogerborg
nimbA



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PostPosted: 16:23 - 29 Jan 2012    Post subject: Reply with quote

bigfella wrote:
I'm looking at Autoaid but they dont cover anything smaller than a 150cc?


Where is this coming from? Confused

The policy is issued to a person, not a vehicle. It shouldn't even come up unless you ask, and what some phone drone or keyboard monkey happens to tell you isn't binding.

The policy document that forms the basis of the contract has no minimum capacity listed in the definition of a motorcycle, so there isn't one. End of.

Granted, it does say "motorcycle", and a moped is a different class of vehicle, but anything over 50cc or (hilariously) capable of more than 45kph is a motorcycle, so Peddy McWheelie and his de-restricted Chinese ZingPing can actually claim that it's a "motorcycle". Laughing

Remember, you pay a truck goon up front then claim the money back from Auto Aid later from the comfort of your sofa, you won't have to argue it out on some sleet covered motorway at 3am. There is no realistic way that they could refuse to pay out if you happen to be on a 125 when you break down - the FSO or a small claims court would tear them a new policy-hole.
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Biking is 1/20th as dangerous as horse riding.
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bigfella
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PostPosted: 17:07 - 29 Jan 2012    Post subject: Reply with quote

Roger, agreed with comments. I read this on the website:

"Qualifying vehicles:
• UK vehicles only
• Private cars, car derived vans and motorcycles over 150cc. Motorised caravans will only be covered if they do not exceed 2.5 tonnes gross vehicle weight and 2500cc.
"
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Ingah
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PostPosted: 17:13 - 29 Jan 2012    Post subject: Reply with quote

bigfella wrote:
Roger, agreed with comments. I read this on the website:

"Qualifying vehicles:
• UK vehicles only
• Private cars, car derived vans and motorcycles over 150cc. Motorised caravans will only be covered if they do not exceed 2.5 tonnes gross vehicle weight and 2500cc.
"

Wheras the full policy document states:
"The vehicle– a saloon car, hatchback, estate car,
car derived van or motorcycle. Motorised caravan under
2.5 tons gross vehicle weight and with an engine
capacity of no more than 2500 cc."

No mention otherwise.
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Rogerborg
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PostPosted: 18:10 - 29 Jan 2012    Post subject: Reply with quote

Ingah wrote:
Wheras the full policy document states...


The only thing that matters. Until they update that, they're pissing into a hurricane. Very Happy
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike
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c-m
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PostPosted: 18:28 - 29 Jan 2012    Post subject: Reply with quote

Remember autoaid is only any good if you have enough reserves to pay therm.

If your CC is full, or you don't have a means of payment, then you're screwed.
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bigfella
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PostPosted: 18:46 - 29 Jan 2012    Post subject: Reply with quote

Thats that settled then, Autoaid it is.

Understood with regards to the recovery fees....
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