chamonixstu
03-04-2007, 12:54 PM
PERSONAL BREAKDOWN & RECOVERY INSURANCE
AutoAid (no website) 01277 235500
There are two types of breakdown assistance policies, and it’s the one most haven’t heard of that can really save you cash.
Automatic service (the usual system). Here, quite simply, you call them and they send their patrols and sort it out.
Pay and Claim (cheap but not nasty). When there’s a problem, call them and rather than their own patrols, they utilise a local recovery firm (either selected by you or them).
At this point you pay for the repairs, and after send in receipts to claim the money back. If you don’t have cash, they’ll ensure the recovery firm sent offers a credit card or debit payment service or can invoice later.
Which is better?
Automatic service is more convenient, but it’s also costlier. In terms of ‘call out time’ there’s little difference between the two.
Pay and claim’s main drawback is some people forget to claim. Yet this is one of the factors that helps bring down the cost. If that’s likely to be you, forget it; stick to the ‘autoservice’ type instead.
Top is AutoAid, a UK-only pay and claim service. This is a little known subsidiary of large insurer Boncaster, which also runs the AutoNational breakdown recovery service. AutoAid doesn’t do any active marketing, so it has no brochures.
However the price is stunning. For £32 a year, it insures the person not the car, meaning vehicle age, mileage and reliability are irrelevant, plus caravans & trailers are included. It also includes free cover for a spouse (must be married not just cohabiting) or in a civil partnership with a certificate.
While most budget policies only fix the car at the roadside or tow it to a garage, AutoAid provides transport for up to 6 people to the required destination, plus home start cover up to a limit of £45. However, like most policies, it only pays for labour and recovery, not parts.
Its stated average call out time is 40 minutes (roughly on a par with others) and it promises to pay back the cash you lay out within 14 days.
The advantage of this type of policy is obvious, if you claim you get the same cover as the expensive policies. If you don't have to claim, you have already saved loads of money!
For further information try the link below, happy bargain hunting!
www.moneysavingexpert.com/cgi-bin/viewn ... 3518,14076 (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1094823518,14076),
AutoAid (no website) 01277 235500
There are two types of breakdown assistance policies, and it’s the one most haven’t heard of that can really save you cash.
Automatic service (the usual system). Here, quite simply, you call them and they send their patrols and sort it out.
Pay and Claim (cheap but not nasty). When there’s a problem, call them and rather than their own patrols, they utilise a local recovery firm (either selected by you or them).
At this point you pay for the repairs, and after send in receipts to claim the money back. If you don’t have cash, they’ll ensure the recovery firm sent offers a credit card or debit payment service or can invoice later.
Which is better?
Automatic service is more convenient, but it’s also costlier. In terms of ‘call out time’ there’s little difference between the two.
Pay and claim’s main drawback is some people forget to claim. Yet this is one of the factors that helps bring down the cost. If that’s likely to be you, forget it; stick to the ‘autoservice’ type instead.
Top is AutoAid, a UK-only pay and claim service. This is a little known subsidiary of large insurer Boncaster, which also runs the AutoNational breakdown recovery service. AutoAid doesn’t do any active marketing, so it has no brochures.
However the price is stunning. For £32 a year, it insures the person not the car, meaning vehicle age, mileage and reliability are irrelevant, plus caravans & trailers are included. It also includes free cover for a spouse (must be married not just cohabiting) or in a civil partnership with a certificate.
While most budget policies only fix the car at the roadside or tow it to a garage, AutoAid provides transport for up to 6 people to the required destination, plus home start cover up to a limit of £45. However, like most policies, it only pays for labour and recovery, not parts.
Its stated average call out time is 40 minutes (roughly on a par with others) and it promises to pay back the cash you lay out within 14 days.
The advantage of this type of policy is obvious, if you claim you get the same cover as the expensive policies. If you don't have to claim, you have already saved loads of money!
For further information try the link below, happy bargain hunting!
www.moneysavingexpert.com/cgi-bin/viewn ... 3518,14076 (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1094823518,14076),