European breakdown and recovery.

[paul connor]

Can anyone help or at least shed some light on this subject.

 

I plan to take the Land Rover on a ferry to Noway(via Denmak) Sweden, Back down towards France and home. This is a fairly easy trip and I thought I had planned for most things, except breakdown cover.

I thought this would be easy enough, but alas, it's far from it.

 

If you breakdown and need the vehicle repatriated they work this in cost from your vehicles worth (trade as usual!.) This is calculated via Glasses Guide.

Glasses Guide does not even list vehicles such as mine (or any MVs) 1989 TUM 110 Land Rover GS.

So, so far the insurance company see it as a few hundred pounds. I protest on the phone that the vehicle is definately worth more, as I'm sure everyone does on the phone. They also confusingly see it as a 'Y' registered vehicle first registered in 2001, this is when it was cast from MOD service, so now they say they would price it as such, which I don't believe.

I guess that when it says on the V5 - First registered abroad, like all my MV's have, it causes confusion on their insurance databases.

 

I don't want to get stuck requiring recovery to have my vehicle written off and claimed by the recovery insurance Co.

I would also like the reasurance that I have recovery and that they will understand that it's not just a 1989 Land Rover worth £500 trade, that Ex-Military vehicles command a higher price.

 

Has anyone gone abroad with an MV? How did you sort the recovery insurance & through what company?

Many thanks

 

 

Paul

[N.O.S.]

If ever there was a case for a dedicated recovery policy, this must be it.

 

If I take my daily vehicle abroad I get it covered on AA Relay, but I have a sneaking the same vehicle value limit applies?

 

The dedicated 'recovery' policies as operated by some companies for the larger vehicles are limited by total cost per incident rather than linked to the value of the vehicle. Sounds like you need one of these if they are available for < 3.5t vehicles.

[griff66]

speak to Adrian flux they should point u in direction of stand alone breakdown cover if not insured with them,

[Chrisg]

2007 when we took champs to Germany roadsure did the breakdown cover

[paul connor]

Cheers lads. I shall have to chase up footman James as I'm insured with them, then the next big companies.

Should have realised RAC was a waste of time.

Fingers crossed I can get suitable cover, I'd hate to be told my 110 is worth a few hundred and a policy is worthless if all went wrong.

 

Paul

[Tony B]

I've always used Green Flag, with never any comment or question, as long as the vehicle is under 2.5 tons.

[griff66]

adrian flux fine with a four ton ferret

[Ole Pars]

In Denmark, the vehicle insurance will include breakdown assistance abroad as well.

IF you´ll have any Land Rover problems during your transit in Denmark - give me a call and I´ll find someone near you to help :-)

0045 5156 3312

[simonm]

I used Britannia rescue for my S reg Monterey (Super Trooper but with a vauxhall badge), it blew a hose and popped the cylinder head coming up the Brenner Pass. They agreed to all the repatraition of us and the vehicle without a quibble even though it was just over 10 years old at the time. They did comment "Did I really want it back?" yes of course! And a new head gasket and I still have a great 4x4.

 

But, my advice is, don't break down in Italy. They might be in the EU but... We caught the last breakdown truck prior to a 2 week break, so nothing happened for two weeks. We got home pretty quick. When Italy returned from holiday the breakdown insurance company said " The Garage propose to do some work to explore what went wrong" I immediately said "No Way! They may not do any work!!" It was so obviously a popped gasket and that being caused by a burst coolant hose. I could see a bill that would only be limited by the garage's imagination.

 

 

Anyway, try Britannia.

[Tony B]

One Europen recovery story. Phil and I went over to Belgium for the day. We were sitting in the car park of the Shuttle at Calais , the place is full of speed bumps. An old Sunbeam (I think) car was coming along over the bumps, there was suddenly a hell of a bang and the back suspension collapsed. Not suprising as the old crock was stuffed with beer crates. Some of the driver's friends pulled it onto the train with the obligatory Transit van. When we all came off in England, straight up ramp to road, some nice person had called the Kent Police to assist them! They had very helpfully sent Three cars a van and a recovery truck! :-D

[paul connor]

Thanks for replies everyone.

I've just been looking at Britannia and they also have the clause *repatriation up to glasses market value

This is the confusion I'm worried about as glasses guide and the motor trade would view my 110 as a 1990 car worth nothing, but as a mv its far from it. I need to contact a specialist military vehicle recovery co. As I would hate to be stuck or to have the car written off. I'll be calling footman James Tuesday to see what they can offer.

[Tony B]

What about insuring at an agreed value?

[paul connor]

I've just spoken to Footman James who are the company that insure my Land Rover and they do not provide cover for breakdown on the Vintage/commercial policy that I have. Also, which has annoyed me somewhat, they do not cover me out of the UK for vehicle insurance! But, in 2007 when I left the UK for France that was ok, now they are using a different insurance company I cannot take the vehicle out of the UK!

 

Well, that's just great. I shall be going to Roadsure next year I think? Lucky that I checked as I assumed that it would have the same limitations as previous years.

 

Disgruntled.

[Tony B]

I thought that by law a 30 day EEC cover was required?

[paul connor]

It would seem not. Having said that I have been looking through my previous insurance paperwork and I can find no reference to them ever offering EU cover. This has annoyed me as I rang FJ to ask in 2007 if I was covered in France and if I had to inform them and I was told "YES" to being covered for 30 days.

So I went to France for a few weeks. Unless I am now very mistaken I was uninsured!!!!!!

 

 

I'm calling back now to explain my annoyance.

[paul connor]

OH GOD! Sometimes I could scream and bash my own head off a wall..... Call centres... AAAARRRHGGHGHHH!!

 

I phone the nice Lady at FJ and ask the following:

 

Is my vehicle covered for European travel?

 

"Can I have your broker reference?"

 

Yes, of course it's CPZ...

 

"I'll have to stop you there Sir, any vintage policy is not covered abroad"

 

Oh, right? I called a few years back to inform you I was travelling to France and you said I was covered for the duration?

 

"Oh, we don't cover any vintage policy abroad"

 

Ah, Ok. Well the new EU directives in place state that you get 35 days EEC travel with all UK policies, is that not correct?

Or did I travel for 3 weeks uninsured when you told me I was?

 

"I'll just check for you, please hold............(irritating music on loop)...... Sorry to keep you waiting, yes it does"

 

So you are saying I am covered abroad now?

 

"Yes, you're covered for 35 days at a time, just not for personal holiday insurance"

 

The car is covered then, is that what you are saying?

 

"Yes, for 35days"

 

Why did you say I wasn't then?

 

"It states on the shedule that you're insured in the countries listed"

 

Yes, it also states see section 4 which states I'm not insured?

 

"You are insured for 35 days"

 

So, if I go the car is insured as per the UK? Is that what you are saying... ?

 

"Yes"

 

End.

 

 

I now have no idea if i'm insured or not and it seems to me that they have very little idea.

First call they said no, even when quizzed, this call is a yes/maybe.

 

Anyone???

[volvoc303]

try peter s taylor 01273 820303 on your door step