Joined: May 2021 Posts: 103 Threads: 10
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2
Location: Leicestershire
Car type: Ulster replica lwb rod Yates
Ours is coming round again later this month. We have been on lay up for the last year as not been using the cars. I shop around every year for modern insurance and saved £100 this year changing to another company. I hope R&H come up good never had any problems with them my father has been with them now for a number of years but that shouldn’t simply stop you shopping around. Same with AA cover that comes back silly money every year until you get on the phone to them again quickly sorted and prices amended so it’s reasonable. Whatever you do enjoy your cars this year and will be glad to get back out again kind regards Joe
Joined: Aug 2017 Posts: 134 Threads: 11
Reputation:
2
Location: Herefordshire
I've just renewed my policy for 2 classics with RH.
The premium was up more than I expected when I queried the rise with the agent they explained that it was due to a rise in the cost of legal cover and that as breakdown cover now included problems at home they were suffering a big rise in the number of calls from customers calling out the service for problems like flat tyres and batteries. The cost for this service is probably more than the annual premium for that car.
Time for a change in the rules?
Joined: Aug 2017 Posts: 3,417 Threads: 107
Reputation:
28
Location: Darkest Bedfordshire
Breakdown cover at home sounds like a daft idea to me and inevitable that it will be taken advantage of and push up premiums.
If it means a more affordable premium for insurance and 'real' breakdown cover I'd be happy to see that go.
Joined: Feb 2018 Posts: 129 Threads: 13
Reputation:
1
Its more than a daft idea Chris its absolute madness when an owner can"t find a long term problem , then lets get someone here that might be able to sort it out , if this is whats happened then when it comes to our insurance we are our own worst Enemy Regards to all and I hope my god will help me when I receive my renewal at the end of this month Rob.
Joined: Aug 2017 Posts: 1,658 Threads: 23
Reputation:
15
Location: The village of Evenley
Car type: 1934 Austin Seven RP Deluxe
David is absolutely right, I cannot believe that any real old car enthusiast would call out a breakdown company at home, it’s utterly ridiculous.
Now, a broken crank in the Pyrenees is entirely different.
Joined: Aug 2017 Posts: 1,354 Threads: 243
Reputation:
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Location: North Herts
Reading the comments on this thread prompted me to look at my various RH policies. The breakdown section reads: Breakdown assistance – You will be covered for roadside assistance and recovery if your vehicle breaks down at or away from your home including the EU.
I have always known I had recovery and assistance in UK and Europe (and on the two occasions in about 15 years that I have used it RH were brilliant) but had never consciously twigged that it is also 'assistance' at home.
So this morning I emailed Emma Airey to ask her to clarify and confirm. She has done so and says I may put the following on this forum. Apparently the roadside and home assistance has been in place since 2016 and was publicised on facebook and in the A7CA mag. I have to say that I completely missed the announcement and have seen nothing about it since.- but then I do live under a stone...
Given that they have been running this for a number of years I would have to say they they must find it is cost effective to include it in their policies. Which is another good reason to use RH!
RH Specialist Insurance unlocks the puzzle of home breakdown cover
The big day has arrived. The picnic is packed, and you're in the garage, turning your classic's ignition key. There's the familiar whirr of the starter, followed by – nothing.
Failure to start is not exactly rare in classic vehicle circles. In fact, you could say it is all part of the experience. But when you're booked into a long-anticipated event, it can ruin your day, or even your year – especially when you find that your classic policy doesn't cover you for home breakdowns – and many don't.
For most classic policies, breakdown cover only comes into effect when the vehicle is at least a mile away from home. Pushing a Ruby a mile up the road to get around that caveat might be an option for a fit policyholder, but it's not really a practical solution for the owner of a post-war Bentley.
That's why RH will come to your vehicle’s rescue even when it has inconveniently decided to break down at home.
According to Head of RH, Emma Airey, "more often than not, non-starts at home are down to insufficient 'kick' from the battery, which is a straightforward fix even for non-mechanically minded owners,”.
"But sometimes the fix isn't that simple. And that can be a problem when most classic policies only qualify a vehicle for breakdown assistance if it's at least a mile away from the owner's house.
"Many classic owners pay out separately for traditional breakdown cover simply because it covers them for a breakdown at home. That can be a substantial extra outlay. RH’s benefit (which is included as standard – at no additional cost - with every single policy sold) totally does away with the need to waste money on separate breakdown insurance”.
Joined: Feb 2018 Posts: 129 Threads: 13
Reputation:
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well only two hours ago with my god help me plea, when my renewal comes in "he or she" must have been listening my 1934 two seat tourer and 1936 cabriolet came in at under £50 each , the other three on the policy are also what I consider to be very good , It maybe a post code thing why other austin seven owners are getting far higher quotes or maybe putting to high a value on their cars or perhaps points on the old licence. I know that I can go really quickly in my two seater ,more than fast enough to scare the s--t out of me, regards to all Rob.
Joined: Aug 2017 Posts: 1,539 Threads: 61
Reputation:
20
Anyone who needs a breakdown recovery service to start their car on their own drive is probably in for a difficult ownership experience!
.)