Comfort Insurance M/C Assist Breakdown


Bennett Family
 

In recent years I’ve used Comfort insurance with the added M/C Assist Breakdown cover which is coming up for renewal.

Relatively recently I opened an account with Nationwide which includes European cover for any vehicle we have, however, I expect this is mainly aimed at car owners rather than someone with a 3,500kg Motorhome although they are covered.

The question is would it be wise to continue with added cover from Comfort for £65 in the (possibly mistaken) belief that it is tailored towards motorhomes or should I save the money & rely on Nationwide europewide?


Martin


Carol Weaver
 

On Thu, 18 Jul 2019 at 16:22, Bennett Family <martin@...> wrote:

In recent years I’ve used Comfort insurance with the added M/C Assist Breakdown cover which is coming up for renewal.

Relatively recently I opened an account with Nationwide which includes European cover for any vehicle we have, however, I expect this is mainly aimed at car owners rather than someone with a 3,500kg Motorhome although they are covered.

The question is would it be wise to continue with added cover from Comfort for £65 in the (possibly mistaken) belief that it is tailored towards motorhomes or should I save the money & rely on Nationwide europewide?


Martin



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Carol WeaverAires photos here|. www.carolweaver.co.uk/Travel
Plusnet -cardun if you sign up recommended


Alan Morris
 

On Thu, 18 Jul 2019 at 15:22, Bennett Family <martin@hymer.demon.co.uk> wrote:

In recent years I’ve used Comfort insurance with the added M/C Assist Breakdown cover which is coming up for renewal.
The question is would it be wise to continue with added cover from Comfort for £65 in the (possibly mistaken) belief that it is tailored towards motorhomes or should I save the money & rely on Nationwide europewide?
Martin I assume the £65 is the additional premium for breakdown cover.

I've looked at the links provided by others and the time limit has
been extended and the age limits removed, compared with NW's initial
release of their insurance. So possibly worth considering.

We have been with ADAC for over 10 years and have just renewed. Since
2014 the cost in Euros has remained the same. However converted to UK
money, the cost has increased from £66.12 in 2015, to £80.39 now.
This is due to the fall in in the exchange rate as a result of brexit!

Our Hymer is insured with Comfort and had the Fiat breakdown cover
until the beginning of this month. Our car has Nissan's b/d cover.
Despite of this, we remain with ADAC. We chose to use the Nissan's's
b/d cover when required in Suffolk. But RAC took 12 hours to get us
recovered home. Should have used ADAC.

Alan.


Mervyn Pickard
 

I have been with Comfort about 10+ years. Three years ago our motorhome had a big engine failure when the head dropped a valve guide.  This required 10 days in an Austrian garage. During that time the Comfort breakdown service, at that time through RAC, was superb. They paid for accommodation for the whole 10 days and supplied us with a hire car. I would suggest that you're unlikely to get this level of service from any other than a motorhome specialised breakdown service.  All breakdown cover offer different levels of cover and the devil is in the detail. I urge you to make sure these cheaper options give you the cover you may need. 
Incidentally Comfort breakdown cover is now through the AA. I can only hope the cover offered will march my experience of that given me by their RAC cover.
HTH
Mervyn


Bennett Family
 


Thanks everyone for your helpful comments. 

Over the years (many) I’ve used Britannia, Red Pennant, RAC, Fiat & Comfort for Motorhome problems. They’ve all provided acceptable service including a repatriation from South of France by Red Pennant and all have appreciated the added problems of the vehicle also being our accommodation. 

In recent years I found RAC on 3 occasions hiked up direct debit prices which when queried turned out to be a “mistake” and money was refunded. I’m not impressed with this approach and will be avoiding them in future. 

I’ll now give it some thought but may just stick with Nationwide and see how it goes. Hopefully I’ll never need to use them. 


Martin 

On 19 Jul 2019, at 08:24, Mervyn Pickard via Groups.Io <mervyn@...> wrote:

I have been with Comfort about 10+ years. Three years ago our motorhome had a big engine failure when the head dropped a valve guide.  This required 10 days in an Austrian garage. During that time the Comfort breakdown service, at that time through RAC, was superb. They paid for accommodation for the whole 10 days and supplied us with a hire car. I would suggest that you're unlikely to get this level of service from any other than a motorhome specialised breakdown service.  All breakdown cover offer different levels of cover and the devil is in the detail. I urge you to make sure these cheaper options give you the cover you may need. 
Incidentally Comfort breakdown cover is now through the AA. I can only hope the cover offered will march my experience of that given me by their RAC cover.
HTH
Mervyn


timsinc Sinclair
 

On 19/07/2019, Bennett Family <martin@hymer.demon.co.uk> wrote:

I’ll now give it some thought but may just stick with Nationwide and see how
it goes. Hopefully I’ll never need to use them.
Indeed.

Got to say, I do wonder as chancellor of the exchequer of my own
full-time life style (and budget coming up) whether we're getting
value for money paying for breakdown (with small print get-out
clauses) at all - and indeed some of our insurance.

Thinking is that instead of paying Nationwide, Comfort or whoever, I
put the equivalent premium every year into an interest-bearing savings
account. Come an emergency (what, once in 5 years) that would be my
first call for resources.

Except for case of a total write-off, I'd guess we'd be well in the surplus.

I have an expensive camera, for which I paid £55 annual insurance
premium - and then it had to be in a locked cupboard in the van at all
times (small print). In six years never had it stolen or broken. I
gave up that cover after three years. I wonder how much others pay to
cover for such as bikes on the rack at the back.

Accepted that we obviously have to pay so we are on the right side of
the law, I think otherwise others are just out to make a profit from
our desire for peace of mind.

TimS


Alan Morris
 

On Fri, 19 Jul 2019 at 15:19, timsinc Sinclair <timsinc@gmail.com> wrote:

Got to say, I do wonder as chancellor of the exchequer of my own
full-time life style (and budget coming up) whether we're getting
value for money paying for breakdown (with small print get-out
clauses) at all - and indeed some of our insurance.

Thinking is that instead of paying Nationwide, Comfort or whoever, I
put the equivalent premium every year into an interest-bearing savings
account. Come an emergency (what, once in 5 years) that would be my
first call for resources.

Except for case of a total write-off, I'd guess we'd be well in the surplus.

I have an expensive camera, for which I paid £55 annual insurance
premium - and then it had to be in a locked cupboard in the van at all
times (small print).
I came across this dilemma many years ago, when my 'pride and joy' was
a Canon A1 and three lenses.

While taking photos from a high vantage point, I was next to another
photographer who had a bigger bag full of extras. While in
conversation, I said that his insurance premium would be rather high.
In those days camera and ham radios were not covered by home
insurance, but an extra 'all risks' policy.

Not so he replied, I don't have any insurance. He regularly deposited
in a special building society account, rather than pay a premium. If
something got lost or was damaged, he raided the savings account. He
added that when he wanted a newly released lens etc. he just bought it
from his savings.

I followed his advise and have saved much since. I only insure for a
legal requirement or it the cost of a risk would be too high. i.e.
house or car.

My wife's brother has just had his car stolen to order. A high risk
so insured, but he is having a problem with the insurance company who
value his car at a much lower price. The ombudsman is next on his
action list.

Alan


David Scholes
 

Absolutely

David

On 19 Jul 2019, at 16:19, timsinc Sinclair <timsinc@gmail.com> wrote:

On 19/07/2019, Bennett Family <martin@hymer.demon.co.uk> wrote:

I’ll now give it some thought but may just stick with Nationwide and see how
it goes. Hopefully I’ll never need to use them.
Indeed.

Got to say, I do wonder as chancellor of the exchequer of my own
full-time life style (and budget coming up) whether we're getting
value for money paying for breakdown (with small print get-out
clauses) at all - and indeed some of our insurance.

Thinking is that instead of paying Nationwide, Comfort or whoever, I
put the equivalent premium every year into an interest-bearing savings
account. Come an emergency (what, once in 5 years) that would be my
first call for resources.

Except for case of a total write-off, I'd guess we'd be well in the surplus.

I have an expensive camera, for which I paid £55 annual insurance
premium - and then it had to be in a locked cupboard in the van at all
times (small print). In six years never had it stolen or broken. I
gave up that cover after three years. I wonder how much others pay to
cover for such as bikes on the rack at the back.

Accepted that we obviously have to pay so we are on the right side of
the law, I think otherwise others are just out to make a profit from
our desire for peace of mind.

TimS



Sandytrax
 

Well I guess you pays your money (or not), it’s your choice. And I guess depends on your circumstances and assessment of risk.

In my recent experience I think the £45 I paid for AA breakdown cover has been well worth it.
I keep my van in a storage compound when not in use.
Sometimes it doesn’t get used for a while and the battery has gone flat on two occasions.
Both times the AA came within an hour to fix it. I summoned them using their app on my phone and was able to track their position and eta.
The second time the AA recommended a new battery, sourced the right one and accompanied me to a battery dealer 10 miles away.
(In fact it turned out that they actually had the correct battery on their breakdown van but that’s another story)

My partner & I would have been very disappointed if we’d had to call up a breakdown truck from somewhere.

Cheers
Brian.



On 19 Jul 2019, at 17:02, David Scholes <scholesd@...> wrote:

Absolutely 

David 
On 19 Jul 2019, at 16:19, timsinc Sinclair <timsinc@...> wrote:

On 19/07/2019, Bennett Family <martin@...> wrote:

I’ll now give it some thought but may just stick with Nationwide and see how
it goes. Hopefully I’ll never need to use them.

Indeed.

Got to say, I do wonder as chancellor of the exchequer of my own
full-time life style (and budget coming up) whether we're getting
value for money paying for breakdown (with small print get-out
clauses) at all - and indeed some of our insurance.

Thinking is that instead of paying Nationwide, Comfort or whoever, I
put the equivalent premium every year into an interest-bearing savings
account. Come an emergency (what, once in 5 years) that would be my
first call for resources.

Except for case of a total write-off, I'd guess we'd be well in the surplus.

I have an expensive camera, for which I paid £55 annual insurance
premium - and then it had to be in a locked cupboard in the van at all
times (small print). In six years never had it stolen or broken. I
gave up that cover after three years. I wonder how much others pay to
cover for such as bikes on the rack at the back.

Accepted that we obviously have to pay so we are on the right side of
the law, I think otherwise others are just out to make a profit from
our desire for peace of mind.

TimS







timsinc Sinclair
 

On 19/07/2019, Sandytrax <brianinspain12@gmail.com> wrote:

In my recent experience I think the £45 I paid for AA breakdown cover has
been well worth it.
How many years (£45 of it) have you paid, Brian?

I keep my van in a storage compound ....... and the battery has gone flat on
two occasions.
Both times the AA came within an hour to fix it. The second time the AA recommended a new battery.
I'd suspect that a new battery would come under two years worth of AA
cover (£90). And no problem: you've, it's assumed got a car, to
acquire such.

TimS


Sandytrax
 

Hi Tim

I bought my van in 2017.
It came with a 1 year breakdown warranty, not a lot!
So in my second year I paid £45 to the AA for breakdown cover.
Apart from the total faff of having to find a breakdown company in a frustrating moment (twice) and being covered for any other breakdown event, I think it was a good decision, for me.

But I get your point.

I think I could have a tendency to insure against too much!
Every year I have to renew my van, car, home, travel, breakdown insurances. What level of cover do I really need? How much excess? What if this or that happens?

Happy travels
Brian

On 19 Jul 2019, at 19:18, timsinc Sinclair <timsinc@gmail.com> wrote:

On 19/07/2019, Sandytrax <brianinspain12@gmail.com> wrote:

In my recent experience I think the £45 I paid for AA breakdown cover has
been well worth it.
How many years (£45 of it) have you paid, Brian?

I keep my van in a storage compound ....... and the battery has gone flat on
two occasions.
Both times the AA came within an hour to fix it. The second time the AA recommended a new battery.
I'd suspect that a new battery would come under two years worth of AA
cover (£90). And no problem: you've, it's assumed got a car, to
acquire such.

TimS