|
|
Post by Fiasco on Feb 21, 2007 23:11:13 GMT
Just got fully comp RAC cover for a 4 day Europe trip on the bike - cost - £28.
I got a discount for being an RAC member and a bit more for being an IAM member.
Includes courtesey vehicle if repairs going to take a while, and recovery home and hotel expenses if bike not fixable.
Can anyone recommend a good source of economical travel insurance for a short Europe trip like this ? Must not exclude motorcycling as a dangerous sport obviously !
Regards
Dave ;D
|
|
|
|
Post by alpaholic on Feb 22, 2007 9:05:07 GMT
Just got fully comp RAC cover for a 4 day Europe trip on the bike - cost - £28. I got a discount for being an RAC member and a bit more for being an IAM member. Includes courtesey vehicle if repairs going to take a while, and recovery home and hotel expenses if bike not fixable. Can anyone recommend a good source of economical travel insurance for a short Europe trip like this ? Must not exclude motorcycling as a dangerous sport obviously ! Regards Dave ;D Dave, does RAC European Breakdown cover now include accident damage? I always figure it's far more likely the bike gets knocked over and a gear lever snapped than actaully breaks down. Last time I checked they excluded 'non-breakdowns'. I don't know if that's changed. |
|
|
|
Post by Ghoti on Feb 22, 2007 12:15:45 GMT
The AA include accident recovery now (not sure if they have always though). Only conditions are that you have told your insurance company and that recovery is less than the value of the vehicle.
I once took out cover, can't remember who with, but they had all my details correct, 900cc Yamaha Diversion, only to find out that the policy only covered bikes upto 250cc. After an argument I got my money back but it was hard work.
Oh yeah, as to the question in point. Get an E111 or whatever they are called now and don't worry about it.
|
|
|
|
Post by alpaholic on Feb 22, 2007 12:48:51 GMT
The AA include accident recovery now (not sure if they have always though). No, that's new. As of two years ago they didn't. Louise got stuck with a £150 quid bill. Oh yeah, as to the question in point. Get an E111 or whatever they are called now and don't worry about it. Yeah, I don't bother with Holiday insurance - after all I don't when I'm out on my bike at home. In theory you could get stuck for a bit of medical (is it 10 per cent in France?). Also the only time I ever claimed on holiday insurance was for a broke cameara and they took yonks to give me my cash. |
|
|
|
Post by Fiasco on Feb 22, 2007 13:34:05 GMT
Haven't got the RAC policy yet, but pretty sure that the nice lady said something along the lines of what Ghoti said re AA accident recovery.
I think she said they recover the wreck (then realise they have picked up Ghoti's Divvy by mistake) and let the insurance company make the decision on what happens next.
Good point re holiday insurance, I guess most eventualities covered by bike insurance and breakdown cover. If they refuse me medical treatment I can always pretend to be Bulgarian - seems to work for them !
Dave ;D
|
|
|
|
Post by Ghoti on Feb 22, 2007 16:18:29 GMT
From the AA web site:
"The Covers
If your vehicle is stranded on the highway as a result of breakdown or accident, European Breakdown Cover ("the covers") will provide, within the Geographical Limits, subject to all relevant terms, conditions and exclusions contained in this booklet, for the arrangement of emergency roadside assistance and, where appropriate, vehicle recovery to the UK, emergency alternative travel or emergency accommodation assistance and legal protection benefits for you and your party."
and
"Breakdown or accident: means the unexpected complete immobilisation of your vehicle due to mechanical disruption or a road traffic accident, which affects the mobility or security of your vehicle or renders it unsafe to drive."
You also get legal aid and bail bond too.
|
|
|
|
Post by molestrangler on Feb 22, 2007 16:20:22 GMT
We got 8 day cover last year with NCI, full cover for £30. Even covered punctures if I am not mistaken.
Ian
|
|
|
|
Post by alpaholic on Feb 22, 2007 16:23:20 GMT
From the AA web site: "The Covers If your vehicle is stranded on the highway as a result of breakdown or accident, European Breakdown Cover ("the covers") will provide, within the Geographical Limits, subject to all relevant terms, conditions and exclusions contained in this booklet, for the arrangement of emergency roadside assistance and, where appropriate, vehicle recovery to the UK, emergency alternative travel or emergency accommodation assistance and legal protection benefits for you and your party." and "Breakdown or accident: means the unexpected complete immobilisation of your vehicle due to mechanical disruption or a road traffic accident, which affects the mobility or security of your vehicle or renders it unsafe to drive." You also get legal aid and bail bond too. Nice, Ta for that! |
|
|
|
Post by Ghoti on Feb 23, 2007 10:01:28 GMT
Fat man down 't pub said:
What the AA and RAC (and others I assume) do in the event of an accident is to charge you and you can in turn reclaim this through insurance. If you are not making a claim from your insurance (ie you are 3rd party and it was your fault with nobody else involved) they are normally happy to waive the cost.
Anybody else heard about this?
|
|
|
|
Post by alpaholic on Feb 23, 2007 10:22:29 GMT
What the AA and RAC (and others I assume) do in the event of an accident is to charge you and you can in turn reclaim this through insurance. As of a year or so ago that was exactly the case. The only one of the big breakdown firms that did cover for accident damage was Britannia which is why I use them. Didn't you post a couple of posts back the latest contract which suggests that's changed? If you are not making a claim from your insurance (ie you are 3rd party and it was your fault with nobody else involved) they are normally happy to waive the cost. That's not the case. They will not waive the cost. (Louise got stung for £150 that way.) Anybody else heard about this? Yes. I investigated and that was the case a short while back. |
|
|
|
Post by Ghoti on Feb 23, 2007 14:16:33 GMT
Just perused my policy over lunch and it appears that they will repair/recover after an accident and no mention of cost against insurance company.
The only slight query is for the recovery to UK, the recovery must cost less than the value of the bike. If they value the bike as a crashed bike, they might not bring it back.
|
|
|
|
Post by alpaholic on Feb 23, 2007 14:20:09 GMT
Just perused my policy over lunch and it appears that they will repair/recover after an accident and no mention of cost against insurance company. It's Miller time then! Britannia have been fine but if you can choose between AA, RAC and Britannia at renewal time you're always gonna get a cheaper deal. |
|
|
|
Post by alpaholic on Feb 23, 2007 14:23:03 GMT
I once took out cover, can't remember who with, but they had all my details correct, 900cc Yamaha Diversion, only to find out that the policy only covered bikes upto 250cc. The RAC give free bike cover. Great thinks I. 2 *years* later I renewed and bike cover came up. Her: 'You're not covered on your bike'. Me: 'I am, it's free.' Her: 'It's free but you have to ask for it to be added.' Thank Christ I didn't break down. |
|
|
|
Post by ContourMac on Feb 23, 2007 18:25:03 GMT
"Yeah, I don't bother with Holiday insurance - after all I don't when I'm out on my bike at home. In theory you could get stuck for a bit of medical (is it 10 per cent in France?). Also the only time I ever claimed on holiday insurance was for a broke camera and they took yonks to give me my cash."
Debs & I were on holiday with the kids when she started getting severe stomach pains. We rushed to hospital where she was diagnosed with Peritonitis. She needed an immediate operation there and then as she only had hours to live. The hospital wanted £15,000 up front to save her life. They would not even prep her until they had a written gaurantee of payment faxed over from the insurance for the full amount covering the operation, staff and 14 days recouperation afterwards.
The insurance then put me and the kids up in a hotel and fed us until Debs came out and for another week until she was deemed fit to fly home. They paid for the flights home and for the extra parking charges at the airport. All told costs were in the region of 20 grand.
Never underestimate the cost of being sick abroad. Its the extra expenses that mount up.
|
|
|
|
Post by ContourMac on Feb 23, 2007 18:34:12 GMT
Sorry, I should add that this was in Malta.
|
|
|
|
Post by Fiasco on Feb 23, 2007 22:32:55 GMT
I caught Salmonella in Malta, luckily it was mussles I ate the day before I came home.
Nearly died during the following week but at least I was in the Uk (not too far to carry me!).
Mark - do you mean RAC Personal cover includes bikes for free but only if you ask for it ? If that is so I better get on the phone !
Dave ;D
|
|
|
|
Post by alpaholic on Feb 23, 2007 23:09:14 GMT
Mark - do you mean RAC Personal cover includes bikes for free but only if you ask for it ? That was the case a couple of years back. Maybe around 1999-2002. I would deffo give them a call if you haven't already told them. The hospital wanted £15,000 up front Hmmmmm. No doubt it could get pricey if I was unlucky but I'm pretty sure you don't have to pay up front in Western Europe. I think you pay a small percentage subsiquently in the event of emergency treatment. Are you sure you're not getting mixed up? If not I'll fork out for insurance from now on. I'd hate to be left to die for 9 quid. For _non_ emergency stuff I'd have to return to the UK but that's no hassle for me. |
|
|
|
Post by ContourMac on Feb 24, 2007 12:22:53 GMT
Malta was not part of the EU then so had no mutual agreement over health.
My main reason for posting was to point out that even in EU countries it may be that, in order to stay alive, you need the best treatment then and there. Insurance makes this happen.
If you get it or not I hope you never need it.
|
|
Nomad
Boy Racer
Posts: 188
|
Post by Nomad on Feb 26, 2007 0:06:25 GMT
Hi Dave , Try Carole Nash Insurance
|
|
|
|
Post by knight on Feb 26, 2007 18:47:44 GMT
Surely if you have your E11 you are entitled to health care in EU countries.
Now I'm going to make myself a hypocrite because we always take out insurance. For what it costs and for what medical bills can cost I think it's worth it.
Richard
|
|
|
|
Post by alpaholic on Feb 26, 2007 20:53:14 GMT
Surely if you have your E11 you are entitled to health care in EU countries. Richard I think most (all?) European countries with a reciprocal arrangement charge a percentage. (10pc?) So in theory you pay something. I'd be interested to know how many UK residents actually had to pay last year. I have a feeling it might be zero. |
|
|
|
Post by Fiasco on Apr 16, 2007 23:26:44 GMT
Leaving nothing to chance I have taken out a single Europe trip cover with the post office for £15.00 Peace of mind for £3.75 a day got to be worthwhile. So now I have bike insurance, breakdown cover and travel insurance, bet that gets confusing if you are injured in an accident, someone nicks your wallet while you are on the deck, and your bike is not rideable  !! Dave ;D |
|
|
|
Post by alpaholic on Apr 17, 2007 8:02:04 GMT
Leaving nothing to chance I have taken out a single Europe trip cover with the post office for £15.00 Peace of mind for £3.75 a day got to be worthwhile. So now I have bike insurance, breakdown cover and travel insurance, bet that gets confusing if you are injured in an accident, someone nicks your wallet while you are on the deck, and your bike is not rideable !! Dave ;D Doubly so because AIUI the Medical component of the travel insurance is usually only valid if you have your EU NHS card on you. Mind ewe, I bet in practice these things are not enforced in the EU. Hard to imagine the Belgians leaving people to die over a lost card. |
|
|
|
Post by swerve9031 on Apr 17, 2007 11:52:01 GMT
No but the Germans might!
|
|
|
|
Post by teejayexc on Apr 30, 2007 22:28:03 GMT
;D ;D ;D ;D
|
|
!!
