If you have NFU insurance, BEWARE (16 Viewers)

[OldAgeTravellers]

We have just had 10 days at our son's in Aberdeen and on the way back our car broke down with a faulty injector.
I am insured with NFU and when I bought the insurance I actually asked and was told that the breakdown insurance was Europe-wide full cover and stupidly didn't read the whole policy properly.
When the breakdown truck driver phoned after a two-hour wait he told me it was only a twenty mile tow which is not a lot of use when 400 miles from home. Luckily we have the Nationwide Flex Plus account so all cars are covered and the AA sorted us out, and actually bought and fitted a new injector at the side of the road so we were on our way back home only five hours late and £410 worse off which they said was the cost of the injector only.

So, if you are insured with the NFU check your policy before you get caught out. My Policy says:
RAC 'Mutual Assist' breakdown cover is restricted to cars being driven in the UK, if you're more than 1/4 mile from
your home and the total recovery distance is no more than 20 miles. This cover excludes motorhomes and
campervans

 

[Purrfecttune]

20 miles limit is ridiculously low, so low as to make it a completely inadequate benefit.

Shame on NFU for not making the restriction more obvious.

 

[MichaelT]

They don't cover motorhomes for breakdown. I think it's included in car insurance for free.

 

[G7UXG]

Is it a condition of NFU’s breakdown cover or the recovery agent can’t be bothered?

Seems a very restrictive condition that is the case.

 

[Fragle]

It’s very clear to be fair and it is the included price.

If you want more than that then you can pay upgrades

This was from my motorhome quote

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[bigtwin]

It’s very clear to be fair and it is the included price.

If you want more than that then you can pay upgrades

This was from my motorhome quote
View attachment 952181

So, basically, at home, but not AT home.

So you can go out, but not Out Out!

Ian

 

[funflair]

As far as I know there is no breakdown cover at all with NFU if you are over 3500kg.

Edit, oops sorry just read CAR.

 

[jerryz]

£420 for 1 injector ,, jeez,, wonder what it costs in reality ,, £140????

 

[Jimbohorlicks]

£420 for 1 injector ,, jeez,, wonder what it costs in reality ,, £140????

OldAgeTravellers
What car was it ? That's a heck of a price for an injector

 

[OldAgeTravellers]

OldAgeTravellers
What car was it ? That's a heck of a price for an injector

It is a Citroen DS3. He said that was relitively cheap, some are over £800 each. It was from EuroParts and no doubt the AA have a markup on top but there was no charge for his time. Basically much cheaper for them than having to relay us. And for us it would probably have taken most of the night waiting at various motorway services for the next truck to arrive.
I haven’t checked the price on EuroParts yet. Basically the easiest way out. How much would a garage have charged to do the job and how quickly?

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[OldAgeTravellers]

Is it a condition of NFU’s breakdown cover or the recovery agent can’t be bothered?

Seems a very restrictive condition that is the case.

My quote in italics is from their policy document.

 

[OldAgeTravellers]

As far as I know there is no breakdown cover at all with NFU if you are over 3500kg.

Edit, oops sorry just read CAR.

And basically very little cover for a car. Really just tow t the nearest garage.

 

[denisejoe]

Bought a second hand car that came with a rac warranty but only 10 miles breakdown lift

 

[gus-lopez]

£420 for 1 injector ,, jeez,, wonder what it costs in reality ,, £140????

the ones for my transit are around 250 each.

 

[jerryz]

Just been looking online DS3 injectors from £227 - £299 depending on model ,, even thats a ripoff price . Bosch knock them out for about £40 to the manufacturers for new builds

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[MichaelT]

Just been looking online DS3 injectors from £227 - £299 depending on model ,, even thats a ripoff price . Bosch knock them out for about £40 to the manufacturers for new builds

I'm sure if you asked Bosch for a quote to buy 500,000 a year then I'm sure they'd price match

 

[busby]

Years ago they used to recondition them..

 

[Jev88]

They offered me the breakdown cover but immediately pointed out not valid as 7500Kg.