Can I call RAC for this?

[Stoosal]

I am sure you are correct. How does that compare With the £600 Inhave paid the RAC in the last two years and had nothing?

It does seem like a trivial item it’s like judging whether to claim on the house insurance for something

Have you not had two years of breakdown cover?

I’m not sure what terms of RAC cover are, but many ‘breakdown’ policies exclude items such as bulbs. If your policy doesn’t include such repairs and you’re so concerned you could ask your local garage to attend and repair.

 

[ceejayt]

Wow, that's extornate

And the only option that I am aware
Of and
Has to be through CAMC

 

[ceejayt]

Have you not had two years of breakdown cover?

I’m not sure what terms of RAC cover are, but many ‘breakdown’ policies exclude items such as bulbs. If your policy doesn’t include such repairs and you’re so concerned you could ask your local garage to attend and repair.

Sure

Reading the fine print the only exclusions appear to be deliberate damage, roadside collision and lack of maintenance Loads
Of stuff about tyres and batteries (both of which they are happy to supply and sell
you if you need them).

My conclusion from all the above ….

I think I would be embarrassed to phone them for a bulb and I will probably pop down the local garage about 8 miles away who will fix it while I wait.

Interesting all the same

 

[Stoosal]

Is there any definition of covered parts?

 

[Nanniemate]

And the only option that I am aware
Of and
Has to be through CAMC

Gosh that's a monopoly, mind you it's like house insurance make a claim and it goes up. Can I ask.why just curious as the organisation get quite a roasting on here I'm not a member

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[pappajohn]

Average £200 per year!
I kicked Arrival into touch when the premium increased to £80.

 

[pappajohn]

Reading the fine print the only exclusions appear to be deliberate damage, roadside collision and lack of maintenance

So you have an accident and the vehicle is immobilised.....and they don't cover that scenareo.

 

[ceejayt]

So you have an accident and the vehicle is immobilised.....and they don't cover that scenareo.

I believe not Lots of fine print as always

 

[ceejayt]

Gosh that's a monopoly, mind you it's like house insurance make a claim and it goes up. Can I ask.why just curious as the organisation get quite a roasting on here I'm not a member

It’s much cheaper
If you have smaller vehicle and you can sop around but once you get to9m there just aren’t any choices. I used to have ADAC which was about £70 per annum covering all our vehicles. That is no more unfortunately

 

[Spriddler]

Loads of stuff about tyres and batteries (both of which they are happy to supply and sell
you if you need them).

When the battery went flat (suspected duff alternator) on my son's Audi TT whilst visiting his brother one wet night twelve miles from home the AA guy gave him a battery. He said that Audi stipulate that the car shouldn't be towed for more than 2 miles and by giving him a battery it was cheaper for the AA and quicker for my son than calling out a flatbed transporter.

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[Spriddler]

So you have an accident and the vehicle is immobilised.....and they don't cover that scenareo.

Your mandatory vehicle insurance covers that.

 

[The general]

Challenge Halfords to fit it, any time i buy bulbs or wiper blades they seem quite willing to fit - for a fee.

I think the small print says after an assessment of the job ? Some are easier than others for sure

 

[Phill D]

personally i dont think breakdown cover includes changing a bulb. however, the only way you are going to be convinced one way or the other is to call them.
you may get lucky, but, i would not hold my breath.

 

[ceejayt]

personally i dont think breakdown cover includes changing a bulb. however, the only way you are going to be convinced one way or the other is to call them.
you may get lucky, but, i would not hold my breath.

Still an interesting question though

 

[pappajohn]

Your mandatory vehicle insurance covers that.

That's not the point.
If your immobilised you should be covered by BD cover.

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[Phill D]

Still an interesting question though

i guess it keeps some of us out of mischief as we are on the forum.

 

[Spriddler]

personally i dont think breakdown cover includes changing a bulb. however, the only way you are going to be convinced one way or the other is to call them.
you may get lucky, but, i would not hold my breath.

I read on here last week that the French no longer require you to carry a spare bulb kit as few people would know how to ft them and these days it's hardly a road side/autoroute side DIY job - especially with some headlamp units.
I seem to remember that on one of my vehicles I had to take off the front wheel and remove the inner wing to replace a headlamp bulb.

 

[ceejayt]

In the words of the RAC….

A ‘breakdown’ is an event that stops your vehicle from being driven because of a mechanical or electrical failure. For example, a battery failure or flat tyres.

Here are a few examples of things that aren’t classed as a breakdown: putting in the wrong fuel, road traffic collisions, fire, flood, theft, acts of vandalism, or any driver-induced fault.

 

[Spriddler]

That's not the point.
If your immobilised you should be covered by BD cover.

An accident is not a breakdown as defined by the breakdown companies. The insurance companies have contracts with specific recovery firms and their holding yards for damaged vehicles pending vehicle inspection/repair.

 

[Phill D]

I read on here last week that the French no longer require you to carry a spare bulb kit as few people would know how to ft them and these days it's hardly a road side/autoroute side DIY job - especially with some headlamp units.
I seem to remember that on one of my vehicles I had to take off the front wheel and remove the inner wing to replace a headlamp bulb.

that is very true but IMHO its not a breakdown. if you lost all lights at night and had to stop thats a breakdown.

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[ceejayt]

See above- seems to me,minor as it may be, I have an electrical failure - the vehicle should ideally not be driven without a brake light- if someone ran in to the back of me I would not be insured. Seems pretty clear cut

 

[Spriddler]

that is very true but IMHO its not a breakdown. if you lost all lights at night and had to stop thats a breakdown.

Indeed so. I believe the same.

 

[Phill D]

See above- seems to me,minor as it may be, I have an electrical failure - the vehicle should ideally not be driven without a brake light- if someone ran in to the back of me I would not be insured. Seems pretty clear cut

then call them out and know the actual answer. I am happy to be proved my belief in this case is wrong.

 

[Spriddler]

See above- seems to me,minor as it may be, I have an electrical failure - the vehicle should ideally not be driven without a brake light- if someone ran in to the back of me I would not be insured. Seems pretty clear cut

You would be insured for repairs to your vehicle if you have Comprehensive cover but not you only have third party, fire and theft. TPF & T used to be quite common but hardly anyone has it nowadays.
The police might prosecute you having a faulty light, but highly unlikely as they're too busy pulling in over overweight motorhomes.....apparently.

 

[pappajohn]

An accident is not a breakdown as defined by the breakdown companies. The insurance companies have contracts with specific recovery firms and their holding yards for damaged vehicles pending vehicle inspection/repair.

I worked for a breakdown agent to the larger companies....green flag, brittania etc.
I can't remember how many cars and vans I've pulled out of ditches and dry stone walls.....one old woman had flipped her car onto its roof.
I'm sure if the BD companies didn't pay my boss wouldn't have sent us on the job

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[David BW]

And the only option that I am aware
Of and
Has to be through CAMC

We've got full AA cover for any of our vehicles as one of the perks of a Nationwide Plus current account, which also provides travel insurance and mobile phone insurance all for £14 per month - also gave us £200 for opening the account! We had Green Flag previously which was around £115 when bought with insurance.

 

[Spriddler]

We've got full AA cover for any of our vehicles as one of the perks of a Nationwide Plus current account, which also provides travel insurance and mobile phone insurance all for £14 per month - also gave us £200 for opening the account! We had Green Flag previously which was around £115 when bought with insurance.

Yes, I have the same with N'wide at a total cost for all 5 of my vehicles of £14 a month, with Europewide cover but I think the OP's m/h is 7.5 tonnes and outside the N'wide weight limit.

 

[ceejayt]

Correct. 9 metres 7.2 t

 

[Steve and Denise]

We've got full AA cover for any of our vehicles as one of the perks of a Nationwide Plus current account, which also provides travel insurance and mobile phone insurance all for £14 per month - also gave us £200 for opening the account! We had Green Flag previously which was around £115 when bought with insurance.

Not on vans over 8 mtrs it doesn’t

 

[nicholsong]

If it stops the vehicle being driven legally then it definitely is what I am paying for that is what it says in the Ts and Cs

So as Bailey58 says 'Have you phoned them yet?'

We don't know they answer - they do.

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