13-06-2023, 08:35 AM
(This post was last modified: 13-06-2023, 08:48 AM by RH Insurance.)
Hi Peter,
With regard to RH's breakdown/recovery service - there haven't been any changes to terms. I can confirm that clients are still entitled to select their 'mechanic/repairer of choice' - which is often close to home - when being recovered. Whether you're in Spain, Scotland or Cornwall.... we will take your vehicle to wherever it needs to go.
Kind regards,
Emma Airey, Head of RH
Hi David,
Thank you for sharing your feedback. I would welcome the opportunity to discuss this year's renewal with you - and you're welcome to call me direct on 07956 232758.
For everyone's benefit re mileage on vehicles aged 40+ - this isn't generally used as a rating factor under the RH scheme. However, ERS - insurer of the RH scheme - prefers mileage to be limited wherever possible as it 'contains risk'. In reality, very few Austin Sevens cover more than 1,000, 3,000 or 5,000 miles per annum - unless you're Gez's 'Poppy'! In which case, unlimited is probably the best option!
With regard to breakdown, I have personally used RH's breakdown service on many occasions for my own classics over the past 12 years. On each occasion the recovery agent was with me within circa 40 minutes. Call Assist (the company which coordinates a network of independent recovery agents) always provides regular updates to our clients, too. For example, they will call and/or text to advise how long the recovery agent is going to be - and provide updates if they're delayed. They also call after recovery has been made to ensure you're happy with the service.
I can also confirm that I've received countless testimonials over the years from extremely satisfied clients. Yes, we might have received a couple of grumbles ie delayed arrival at the breakdown scene - and all cases which are brought to either mine or ERS' attention - are dealt wtih / compensation offered if it's deemed appropriate.
As always, members are encouraged to call or email me direct in the event of any query relating to their policy cover or service as I'm always on hand, and delighted to assist.
With regard to competitors' rates. Please check the small print very carefully as the vast majority will offer salvage 'buy back' as opposed to 'nil deduction'.
To summarise, these are examples of 'buy back' vs 'nil deduction' settlements - both based on an Austin Seven insured on an Agreed Value basis at £10,000:
Buy-back
Circa £6,000-£10,000 settlement plus salvage
Nil deduction
£10,000 plus salvage
Some competitors also have a capped limit on the value of spare parts (RH has a generous allowance which is up to vehicle sum insured), windscreen replacement and cost of recovery in a 12 month period. I can confirm that RH doesn't have any value limit on windscreen replacement or recovery.
RH clients are also entitled to many, many, more benefits - which form an intrinsic part of the policy wording - the subject of continuous development/enhancement since 1977.
Kind regards,
Emma Airey, Head of RH
07956 232758 / emma.airey@rhspecialistinsurance.co.uk
With regard to RH's breakdown/recovery service - there haven't been any changes to terms. I can confirm that clients are still entitled to select their 'mechanic/repairer of choice' - which is often close to home - when being recovered. Whether you're in Spain, Scotland or Cornwall.... we will take your vehicle to wherever it needs to go.
Kind regards,
Emma Airey, Head of RH
(12-06-2023, 08:14 PM)Pearls not a Singer Wrote: Having been with RH for 38 years I'm nervous about changing insurers but renewing another policy for 2 more modern classics with A plan has been a painful process due to their errors and communications.
My A7 policy is for 2 sevens and 2 other classics and despite reducing the limited mileage for each vehicle is still the same as last year. All these factors have combined to lead me to obtaining quotes from Hagerty which would save me £90. The actual policy offers similar cover but the breakdown cover is with the RAC and I'm concerned that they would not be very good with older cars, the youngest being 50years old.
Has anybody experience with RAC when needing breakdown help?
Hi David,
Thank you for sharing your feedback. I would welcome the opportunity to discuss this year's renewal with you - and you're welcome to call me direct on 07956 232758.
For everyone's benefit re mileage on vehicles aged 40+ - this isn't generally used as a rating factor under the RH scheme. However, ERS - insurer of the RH scheme - prefers mileage to be limited wherever possible as it 'contains risk'. In reality, very few Austin Sevens cover more than 1,000, 3,000 or 5,000 miles per annum - unless you're Gez's 'Poppy'! In which case, unlimited is probably the best option!
With regard to breakdown, I have personally used RH's breakdown service on many occasions for my own classics over the past 12 years. On each occasion the recovery agent was with me within circa 40 minutes. Call Assist (the company which coordinates a network of independent recovery agents) always provides regular updates to our clients, too. For example, they will call and/or text to advise how long the recovery agent is going to be - and provide updates if they're delayed. They also call after recovery has been made to ensure you're happy with the service.
I can also confirm that I've received countless testimonials over the years from extremely satisfied clients. Yes, we might have received a couple of grumbles ie delayed arrival at the breakdown scene - and all cases which are brought to either mine or ERS' attention - are dealt wtih / compensation offered if it's deemed appropriate.
As always, members are encouraged to call or email me direct in the event of any query relating to their policy cover or service as I'm always on hand, and delighted to assist.
With regard to competitors' rates. Please check the small print very carefully as the vast majority will offer salvage 'buy back' as opposed to 'nil deduction'.
To summarise, these are examples of 'buy back' vs 'nil deduction' settlements - both based on an Austin Seven insured on an Agreed Value basis at £10,000:
Buy-back
Circa £6,000-£10,000 settlement plus salvage
Nil deduction
£10,000 plus salvage
Some competitors also have a capped limit on the value of spare parts (RH has a generous allowance which is up to vehicle sum insured), windscreen replacement and cost of recovery in a 12 month period. I can confirm that RH doesn't have any value limit on windscreen replacement or recovery.
RH clients are also entitled to many, many, more benefits - which form an intrinsic part of the policy wording - the subject of continuous development/enhancement since 1977.
Kind regards,
Emma Airey, Head of RH
07956 232758 / emma.airey@rhspecialistinsurance.co.uk
RH Specialist vehicle insurance